Highnote Sync: Platform Updates August 2025

The latest Highnote upgrades deliver new capabilities and enhancements for our subscribers. For a detailed overview of recent updates, please visit our Product Updates.

Card Profile Enhancements

We’ve added more detailed BIN information, including Number, Classification, and Funding Type, directly on the Card Profile Set details page. Additionally, the Digital Profile Set Dashboard form now supports DWT methods, and a display issue with Card Profile Set Status has been fixed.

Added 3DS Verification Information to Transaction Details Page

Highnote integrates directly with card networks to deliver two authentication flows: frictionless and frictionless + challenge. In the frictionless flow, transactions are evaluated using Highnote’s proprietary risk-based authentication models, ensuring a seamless checkout experience when risk rules are satisfied.

In the frictionless + challenge flow, if transactions do not meet risk thresholds, cardholders are prompted to verify their identity with a one-time password delivered via text or email.

Instant Payments Added to the Dashboard

Enabling near real-time disbursements from card programs, Instant Payments uses Visa Direct and Mastercard Move to push funds from Highnote-issued cards to external debit and prepaid cards. This delivers faster access to earnings, flexible payout options, and intelligent routing, all within a unified platform experience.

Improved Authorized Users

We’ve enhanced Authorized User support, unlocking key capabilities required to launch and scale Consumer Programs. With this update, businesses can now apply Spend Rules and Velocity Controls directly to Authorized Users’ financial accounts and cards, along with full support for Program and Product Rules. These mission-critical features accelerate growth for several key subscriber programs, with many more on the horizon.

Additional Updates

Issuing

Display of All Activity at the Accountholder Level

Accountholder-level activity is now visible, providing a complete view of interactions and transactions for easier tracking.

Copy Address to Google Maps

Addresses from card applications can be copied and opened directly in Google Maps for easier verification.

Global Search Across Users

Search functionality now spans all account holders and authorized users, with support for tags and filters to refine results.

Billing Statements for Prepaid/Debit

Billing statements can be generated for prepaid and debit programs, improving reporting and account transparency.

Accordion Fees UI

The fees interface has been updated to an accordion layout, allowing users to expand or collapse detailed fee information.

Token Request Decline Reason

Decline reasons are shown on the Token details page, making token troubleshooting faster.

Simulate Check Payment Status

Users can simulate check payment status to test check processing workflows.

Check Numbers in Details

Check numbers are displayed on the Check details page, supporting accuracy in recordkeeping and reconciliation.

Token Info in Wallet Details

Wallet details now include token information, giving a full view of wallet-token associations.

BIN Details on Card Profile Set

Card Profile Sets expose BIN details for more granular program management.

Acquiring

Manual Adjustments for Payment Transactions

Manual adjustments now displayed in payment transactions, improving transparency with clear audit trails and simplified reconciliation.

City and State on the Transaction Details Page

Transaction details now include city and state information, adding context for more accurate reporting.

Transfer Failure Reason on Transaction Timeline

Transfer failure reasons are shown directly within the transaction timeline, enabling quicker issue identification and resolution.

Simulated Billing Address Update

Simulated billing addresses now use postal codes, providing accuracy in testing environments. Read documentation

Credit

Estimated Payoff Period Update

A new estimatedPayoffPeriod displays in years and months, replacing estimatedPayoffDays for a more intuitive payoff view.