Highnote Powers Fillip Fleet’s Expansion into the U.S. Market

At Highnote, we believe the best financial products aren’t constrained by legacy infrastructure. They’re built around the companies creating them. Modern platforms need the freedom to design payment experiences around their customers, their workflows, and their growth strategies.

That philosophy sits at the core of Highnote, which enables companies to design and launch financial products that reflect how their businesses actually operate. It’s also why Fillip Fleet, a modern fleet payments and expense management platform, chose Highnote to power the launch of its U.S. fleet card program.

A New Generation of Fleet Platforms

Fleet payments have historically been dominated by traditional fuel card programs designed primarily for fuel purchases, often lacking the flexibility, visibility, and digital controls that modern fleet operators require.

Fillip Fleet represents a new generation of fleet platforms built to solve these challenges. The company provides a digital payment and expense management platform for commercial vehicle fleets, replacing traditional fuel cards with a modern, mobile-first solution that gives operators greater control over driver spending.

Through the Fillip platform, businesses can:

• Issue digital cards to drivers instantly
• Set custom spending limits and restrictions
• Monitor transactions in real time
• Capture receipts and categorize expenses
• Integrate fleet spending directly into telematics systems

A Platform Built to Scale

Fillip launched its B2B fleet platform model and has quickly gained traction in Canada. As demand for modern fleet management tools continues to grow, Fillip is now expanding into the United States, bringing its platform to one of the world’s largest fleet markets. Launching a fleet card program in a new market, however, requires infrastructure capable of supporting complex program requirements, flexible controls, and long term growth. Highnote’s modern issuing architecture enables companies like Fillip to design fleet programs that traditional card infrastructure simply cannot support.

Built for Fillip’s Expansion into the U.S.

Highnote’s platform allows Fillip to design a fleet card program aligned with how its platform serves businesses. Through Highnote, Fillip is launching a Visa® commercial fleet card program supporting both physical and digital card issuance, enabling fleets to issue cards instantly across mobile and wallet channels.

The program enables:

• Driver-level card issuance and controls
• Custom spend limits and merchant category restrictions
• Real-time transaction monitoring and reporting
• Card suspension and fraud management tools
• Integrated account funding and balance management

“When we looked at expanding into the United States, we needed a platform that would allow us to design the program around how modern fleets actually operate,” said Alice Reimer, CEO and Co-Founder of Fillip Fleet. “Highnote gives us the flexibility to build a fleet payments experience that integrates seamlessly with our platform, from digital card issuance to real-time visibility into fleet spending.”

Why Fleet Payments Are Being Rebuilt

The fleet industry is undergoing rapid transformation.

Electrification, telematics, AI-driven insights, and mobile workforce tools are changing how businesses operate their vehicles. But many payment systems supporting fleet operations have not evolved at the same pace.

Modern fleet operators increasingly require:

• Real-time visibility into driver spending
• Dynamic controls for fuel, EV charging, parking, and maintenance
• Instant card issuance for distributed drivers
• Integrated expense management and accounting workflows

These capabilities demand modern financial infrastructure that allows fleet platforms to design payment programs around their own operational models. That shift is creating a new generation of fleet fintech companies, and new opportunities for platforms built specifically to support them.

Built for the Companies Reimagining Payments

“We built Highnote for innovators that are rethinking how financial products should work within their own platforms and customer experiences,” said John MacIlwaine, CEO of Highnote. “Fleet payments are evolving, and companies need infrastructure that allows them to design programs around their own product vision. Fillip is a great example of what’s possible when modern platforms have the freedom to build the payment experience their customers actually need.”

Highnote enables companies to design financial products around their product vision, customer experience, and growth strategy. Fillip’s U.S. launch reflects how modern fleet platforms and modern financial infrastructure are coming together to deliver more flexible, scalable payment solutions.

The Fillip Visa® Card is issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

Visa is a registered trademark of Visa, U.S.A. Inc. All other trademarks and service marks belong to their respective owners.