Built for Businesses That Refuse to Build Around Legacy
We are the unified platform for embedded finance, bringing issuing, acquiring, credit, ledger, and money movement together so enterprises can build exactly what their business needs.
Why We Exist
Financial infrastructure wasn’t designed for the businesses building today.
Building financial products shouldn’t mean stitching together providers, navigating disconnected systems, or designing around platform limitations.
We believed there was a better way. So we built one.
One unified platform with the flexibility to build what your business needs.
Built for Your Business
Every business is different. Your financial platform should be too.
We believe your business shouldn’t adapt to your financial platform.
Your financial platform should adapt to your business.
That’s Built for You.
Built for Your Products
Build the financial products and experiences your business needs.
Built for Your Customers
Create seamless experiences designed around how your customers transact.
Built for Your Growth
Add new products, capabilities, and markets as your business evolves.
Built for Your Future
Modern architecture designed for where your business is going next.
Our Story
We Didn’t Modernize Legacy Infrastructure. We Started Over.
Highnote was founded by payments leaders who spent decades building and scaling some of the industry’s most influential financial technology companies.
We saw the limitations of disconnected systems and rigid infrastructure firsthand. So we built something different: one unified platform designed to give businesses the flexibility to build, launch, and scale on their terms.
What We Believe
Modern Businesses Deserve Modern Infrastructure.
The way businesses move money is changing. Payments are becoming software, businesses are becoming financial platforms, and customers expect every interaction to be seamless.
We’re building the platform to power what comes next.
Leadership
Meet the Team Building the Future of Embedded Finance.
Our leadership team brings decades of experience building, scaling, and shaping modern payments.
Now, we’re building what’s next.
John MacIlwaine
CEO
Kin Kee
CTO
Nicola Morris
COO
TJ Grissom
General Manager, Acquiring
David Galvan
Head of Sales, Issuing
Trusted to Build What’s Next
Trusted by Companies Building the Future of Financial Services.
From innovative startups to established enterprises, businesses choose Highnote to launch and scale modern financial products with confidence.
One unified platform.
Decades of payments expertise
Built by industry veterans with experience scaling some of the world’s leading financial technology companies.
Enterprise-ready from day one
Purpose-built to support the performance, flexibility, and scale modern businesses require.
Our Principles
The ideas that guide everything we build.
Build for Customers
Every decision starts with helping our customers create better experiences.
Simplify Complexity
The most powerful technology should also be the easiest to use.
Never Settle for Legacy Thinking
Innovation begins by challenging assumptions, not accepting them.
Build What's Next
We build for where finance is going, not where it's been.
We’re Building the Future of Embedded Finance
The way businesses issue cards, accept payments, move money, extend credit, and manage financial operations is changing.
Tomorrow’s leaders won’t be limited by legacy infrastructure.
They’ll build exactly what their customers need, adapt as markets evolve, and create financial experiences that were never possible before.
That’s the future we’re building. And we’re building it for you.
