Highnote Sync: Platform Updates

The latest Highnote upgrades deliver new capabilities and enhancements for our subscribers. For a full list of our recent updates, please visit our changelog.

Launched BNPL Flexible Installments

Highnote’s Buy Now, Pay Later installment plans let your account holders split payments into fixed installments, seamlessly converting credit charges into post-purchase payment plans. Read Documentation

Launched Check Payment

Subscribers can enable their systems to support payments by check. Check payments are fully integrated into the Highnote dashboard. Read Documentation

Launched Embedded Device Form Factor Support

Payments via physical devices are now supported in Highnote.

Launched No-code and SDK Plaid Integrations

Subscribers can delegate their Plaid relationship to Highnote via a no-code hosted URL or SDK. Highnote works with Plaid to securely verify end-user bank accounts on behalf of subscribers. Read Documentation

Enhanced Billing Statements

Billing statements are enhanced to include new fields: interest and fee breakdowns, rewards balances, year-to-date balances, and current installment plan statuses.

Launched Risk Application SDK

The Highnote Risk Application SDK strengthens your ability to mitigate fraud while onboarding users during the application process. Read Documentation

Additional Updates

Added Spend Rules for Check Payment

Spend rule logic can now be applied to check payments.

Added Support for Variable Interest Rates

Highnote supports variable interest rates for purchase plans, and promotion plans via API, on your card products.

Added Ability to Shift and Age 1-to-6 Statements Back

You can fine-tune delinquency and suspension simulations using custom billing cycle shift and age settings.

Credit Account Due Date Management

Set or update due dates for credit accounts.

Added Credit Loan Tape Report

Subscribers can generate comprehensive data exports of their credit portfolios, including all transaction event activity for Consumer Revolving Credit Card products. Read Documentation

Added Receivable Sale Reports

Highnote now enables you to reconcile your data at the statement, account, and transaction levels. Read Documentation

Updated Address Validation for Physical Cards

Improved address validation helps ensure proper formatting to reduce shipping delays and returns. Read Documentation

Exposed ACH Holds Status

Subscribers can manage risk by viewing newly exposed ACH hold statuses directly on the dashboard.

Added Cooldown Velocity Control Windows

Highnote’s cooldown velocity checks help control fraud by limiting rapid-fire transactions and enforcing waiting periods. Read Documentation

Added Filters to Report Creation

Added New ACH Transfer Details with More Data

Added Network Risk Score to Transaction Details

Added Spend Rules for "Days Within Create Date"

Expanded Support for Spend Rule Results on Transactions

Improved Acquiring Onboarding Form

Expanded Global Notes Support to Applications