ProductAPI

Changelog

Feb 14, 2024

Counter Offers

Highnote now supports counter offers and secured deposits. With the counter offer feature, if an account holder’s creditworthiness does not qualify them for the card product they applied for, you can offer them an alternative card product.

Coupled with the secured deposit feature, you can use counter offers to offer a secured deposit card product alternative. This feature unlocks unparalleled flexibility and accessibility for your card program.

For more information on each feature, refer to the following guides:

API

Documentation

Feb 1, 2024

Dashboard Enhancements

The following enhancements have been added to the Highnote dashboard:

  • View the authorization control results for transactions failed due to spend or velocity controls
  • View limit, current balance, and remaining balance for financial account velocity balances

Dashboard

Jan 18, 2024

Fleet Enhanced Data Summary Report

You can now generate Fleet enhanced data summary reports using the Highnote API and dashboard. This report contains all level 2 and 3 enhanced data sent by Visa and Mastercard for cleared fleet transactions. For more information, see Fleet Enhanced Data Summary Report.

API

Dashboard

Documentation

Jan 12, 2024

Summary Metrics

You can now use the Highnote API to retrieve summary metrics for your card products' applications and transactions. For more information, see the Summary Metrics guide.

API

Documentation

Dec 27, 2023

Card Profiles

The Highnote platform now supports card profiles, which house options related to the appearance and performance of payment cards. With card profiles, you can offer your customers different payment card designs, as well as support varying point of sale (POS) behavior capabilities, all within a single card product. Contact the Highnote team for more information on implementing card profiles.

API

Dashboard

Documentation

Dec 14, 2023

Consumer Credit Card Products

Highnote now offers consumer credit card products, which you can utilize to issue lines of credit to your person account holders. The consumer credit card product requires your account holders to make a minimum payment by their billing cycle due date and allows you to assess interest charges on their revolving balances. For more information on creating consumer credit card products, see the Consumer Credit Quick Start Template.

API

Documentation

Nov 10, 2023

Simulate Chargebacks and Disputes

You can now simulate the creation and resolution of dispute and chargeback cases on your card product in the Test Environment. These simulations enable you to test your integration, along with the notification events associated with dispute cases, provisional credit state changes, and the financial account activity related to disputes, chargebacks, and the issuance and revocation of provisional credits. If you have an existing card product in the Test Environment, please contact support@highnote.com to configure your product for disputes and chargebacks.

In the Live Environment, Highnote will continue to manage the intake and processing of disputes and chargebacks on your card product.

API

Documentation

Notifications

Oct 19, 2023

Simulate Mastercard Fleet Transactions

Highnote now supports Mastercard Fleet Card Products. You can use the Transaction Simulation tool to simulate Mastercard Fleet Transactions in the Test Environment. For more information, see Simulate Fleet Transactions.

API

Documentation

Oct 3, 2023

Additional Fee Activity Types

Three additional fee activity types are now supported: Inactivity, Cash Withdrawal at Point of Sale, and Over-the-Counter Cash Withdrawal. For more information, see Fee Activity Types.

Sep 27, 2023

Consumer Charge

Highnote now offers a Consumer Charge card issuing solution. You can issue lines of credit to US Person Account Holders that require them to pay their statement balance in full by each billing cycle's due date. For more information, see the Consumer Charge getting started guide.

API

Documentation

Dashboard

Aug 2, 2023

Transfer between Financial Accounts

Highnote now supports transferring funds between internal Financial Accounts in real time. This includes transfers from Product Funding Accounts to Account Holder Financial accounts, peer-to-peer transfers, and more. For more information, see Transfer between Financial Accounts.

API

Documentation

Dashboard

Jul 19, 2023

Reporting

You can now use Highnote's Reporting feature to generate reports, check report statuses, and download reports. You can generate up to three reports per day. For more information, see Using Reports.

API

Documentation

Jul 14, 2023

Simulate Account Closure

You can now close a Financial Account in the Test Environment to simulate account status changes and the associated events so you can notify your Account Holders of their closed Financial Account. Highnote will continue to handle account closure processes in the Live Environment for your Card Product.

API

Documentation

Jul 12, 2023

Document Upload SDK

Highnote now offers a Document Upload SDK to collect identity verification documents from Account Holders when a Card Product Application enters manual review. This allows you to seamlessly embed a UI for document upload collection into your customer onboarding experience.

SDK

Documentation

Jun 14, 2023

Authorized Users Search Enhancements

Highnote recently added search capabilities to Authorized Users, allowing you to utilize a node query to find Authorized Users. You can also query for an Authorized User to determine critical details such as the billing address associated with the Card issued to the Authorized User.

API

Jun 8, 2023

Risk Application SDK

Highnote now offers a Risk Application SDK, which you can leverage in your Onboarding experience to mitigate fraud on your Card Product. The SDK leverages the user's device, biometric behavior data, and validity of their identity information to assess the fraud risk at the time of Account Holder creation. Contact your Highnote representative to enable the feature for your Card Product.

SDK

Documentation

May 22, 2023

On-demand Funding

Highnote now supports On-demand Funding. On-demand Funding allows Payment Card Financial Accounts to maintain a $0 balance until Authorization and receive real-time funding and uses a Source Financial Account for funding the Payment Card Financial Account. When an Account Holder initiates a transaction, Highnote moves funds from the Source Financial Account into the Payment Card Financial Account to cover the cost of the transaction.

API

Documentation

May 19, 2023

Charge Offs

When an Account Holder with a Commercial Charge Card Product fails to make their minimum payment and their balance is deemed uncollectible, you can now charge off the Financial Account balance. The Highnote team must configure the delinquency policy for your Card Product.

In the Test environment, you can simulate charging off a Financial Account by shifting the billing cycle’s purchase activity back in time. A Financial Account Attribute of CHARGE_OFF will be added to the Account, and you can subscribe to events to be notified when the Attribute is added.

API

Documentation

Notifications

May 9, 2023

Fees

You can now charge Fees to your Account Holders. Fees can serve as an additional revenue stream to cover the costs of specific Account Holder activity types, including but not limited to ATM transactions, initiation, and card reissuing.

API

Documentation

Dashboard

May 1, 2023

Visa Fleet Level 3 Enhanced Data

For Visa Fleet Products, Highnote’s GraphQL API now provides access to Visa Fleet Level 3 Enhanced Data captured at the point of sale and sent with each transaction. The Level 3 data is sent 24-48 hours after the transaction and used to send line item details for fuel and non-fuel products and services.

API

Documentation

Notifications

Apr 25, 2023

Authorized Users

All Highnote Commercial Card Products allow you to create, list, open applications for, and view Authorized Users. Authorized Users allow you to designate additional cardholders that do not require the same level of access as full Account Holders.

API

Dashboard

Documentation

Notifications

Apr 20, 2023

Account Delinquency

Our Commercial Charge Card Product now allows you to track Delinquency on your Account Holder’s Financial Accounts, including the days and amount delinquent. In the Test environment, you can simulate making a Financial Account delinquent by shifting a billing cycle’s activity back in time. Additionally, we now offer two new Financial Account Attributes, which can be added to flag an Account as delinquent or to suspend an Account’s payment cards for excessive delinquency. See Handling Account Delinquency for more information.

API

Documentation

Apr 20, 2023

Visa Fleet Level 2 Transaction Data Update

Highnote's GraphQL API now includes additional Level 2 information for electric vehicle transactions and supports reporting multiple fuel codes in a single transaction. This update is per Visa's latest fleet data specification. See the complete Visa Fleet Level 2 Transaction Data schema for more details.

API

Documentation

Mar 23, 2023

Count Spend Rule

We recently released the Count Spend Rule, which sets the maximum number of transactions an Account Holder can authorize within a given timeframe. This allows you to control the velocity of authorizations based on the number of transactions a customer made within a timeframe to help mitigate risk.

Documentation

API

Mar 14, 2023

Dashboard Billing Statement Updates

We have updated our dashboard’s Financial Account page with billing statements. You can find information including the due date, balance due, and the associated transactions in the billing period for a Financial Account. This will allow your teams to view the data associated with the Statement and better serve Account Holders when they have inquiries.

Dashboard

Documentation

Mar 10, 2023

Digital Wallets for Visa

With our new certification with Visa’s Token Services (VTS), Highnote customers now can add their Visa cards, in addition to Mastercard cards, into their digital wallets including Apple Pay and Google Pay. View Visa digital wallet guidelines here.

Documentation

API

Mar 1, 2023

Updates to Collaborative Authorization Details

Highnote customers utilizing our Collaborative Authorization can now pull the details of their response from Highnote’s API, including response code and authorization amount. With this feature update, you can better understand your transaction flows by confirming which response code you sent and the amount you approved.

API

Documentation

Feb 17, 2023

Simulate Your Fleet Transactions in our Dashboard

Unlike other card products, fleet transactions can require more interaction from the Account Holder, additional data from the merchant's point of sale, more complicated authorization flows, and enhanced data processing during clearing and settlement. Now you can simulate fleet transactions and all the additional data provided during clearing on our dashboard. Sign in to your account and try it out.

Dashboard

Documentation

Feb 14, 2023

Collaborative Application Underwriting

You or your underwriter can now execute your credit policy and provide the underwriting decision for an application. Highnote will continue to execute identity checks against the application and help you adjust the sequencing of application decisioning calls.

API

Documentation

Feb 7, 2023

Expanded Transaction Response Code

For Authorizations, you now have an expanded API’s list of transaction response codes for more accurate and precise communications with your Account Holders. You can share specific reasons for declining a transaction that now includes more details about declines associated with spend controls and velocity limits.

Documentation

Jan 31, 2023

Transaction Payload Update

Highnote significantly enhanced the Payment Card Transaction Events, including simulations, and Payment Card Transaction Notifications by including several new fields, including additional merchant details.

Documentation

API

Notifications

Dec 15, 2022

Level 2 Transaction data

For Fleet Products, Highnote’s GraphQL API now provides access to Visa Fleet Level 2 data captured at the point of sale and sent with each transaction. The Level 2 data is always sent with clearing records and includes fields such as fuel type and quantity.

API

Documentation

Dashboard

Dec 6, 2022

Design Guidelines for Physical Cards

We’ve updated our Physical Card design guide to help teams with best practices for designing cards. The guide includes dos and don’ts and templates specific to Mastercard and Visa with embedded instructions in the file.

Documentation

Dec 2, 2022

Collaborative Authorization - Partial Amount Approval

We've added the ability for you to pass back a partial amount alongside your approval within the Collaborative Authorization transaction flow.

API

Documentation

Dec 1, 2022

Payroll Get Started Guide

Create Consumer Payroll Products in the Test Environment.

API

Dashboard

Documentation

Nov 18, 2022

Enhanced Transaction Details in the API & Dashboard

We've added additional information to transactions in both the API and Dashboard.

  • All transactions now show Point of Service details when available. This includes details such as if the account holder or payment card was present, the transaction was recurring, PIN entry mode, and more.
  • Visa Fleet transactions now include Level 2 Data. This includes details such as quantity and type of fuel, fuel cost, and more.

Dashboard

API

Documentation

Nov 11, 2022

Notification Enhancements

We released several enhancements to Notifications this week:

  • Events are now persisted even if your Notification Target has been down, making it easier to replay Events
  • Added a new "Event Detail" view in the Dashboard to view all Delivery Attempts in one place
  • Improved UX around replaying Events

Notifications

Oct 21, 2022

Velocity Controls

Velocity Controls are an extension of Spend Rules, where a time boundary constraint can be applied. For example, a Spend Rule may be set to decline all authorizations greater than $1,000 on a payment card; a Velocity Control may be supplemented to the Spend Rule to decline any authorizations which exceed $1,000 in spend within a calendar week.

API

Dashboard

Documentation

Oct 7, 2022

Commercial Charge Get Started Guide

Create Commercial Charge Card Products in the Test Environment.

API

Dashboard

Documentation

Sep 23, 2022

Consumer Prepaid Get Started Guide

Create Consumer Prepaid Card Products in the Test Environment.

API

Dashboard

Documentation

Sep 22, 2022

Improved Dashboard ACH Transfer Simulations

We have added several new simulation abilities on our dashboard so you can simulate from our dashboard instead of the API. Now you can simulate more granular ACH Transfers through various steps and see how your app or website handles the status.

Dashboard

Sep 9, 2022

Group Physical Card Shipping

Group Physical Card Orders allow you to request several Physical Cards at once which are then packaged individually in a card carrier and shipped together in a single shipment to one location.

API

Dashboard

Documentation

Aug 8, 2022

New API Explorer and Runnable Code throughout the Documentation

You can now edit and run code against your test environment directly from every page of the Highnote documentation. We have also added a new API Explorer with a curated collection of the most used Highnote GraphQL API calls all in one place.

Documentation

Aug 8, 2022

Secure Inputs SDK

Release Secure Inputs SDK @ 0.12.0.

Secure Inputs allows your customer to enter secure data in a PCI compliant way.

Documentation

SDK

Jul 27, 2022
Tokenized payment card in mobile app

Digital Wallets

Payment Cards can now be added to Digital Wallets such as Apple Pay, Google Pay, and Samsung Pay. Cards can be added manually by an Account Holder or provisioned directly from your mobile app.

API

Dashboard

Documentation

Jul 8, 2022

Collaborative Transaction Authorization

Collaborative authorization empowers you to approve or decline each transaction in real-time based on your business logic.

API

Documentation

Jun 17, 2022

Billing Statements

Provide your account holder's with a summary of transactions at the end of each month.

API

Documentation

May 16, 2022
Launch

Card Product Launch Guides

We've added new "Get Started" Guides to help you launch the card product that fits your business.

Documentation

Apr 12, 2022

Scheduled Repayments

Provide your customers with a way to pay down a balance on a financial account.

API

Dashboard

Documentation

Mar 28, 2022

Introducing Dashboard Roles

We’ve just rolled out a brand new permission system allowing you to control your team's access to your Highnote Dashboard Account.

Dashboard

Mar 24, 2022

Update Business Account Holders and Associated Persons

You can now update a Business Account Holder's address, phone number, and website as well as an Associated Person's (Primary Authorized Person and/or Beneficial Owner) address, phone number, and email address from the API and Dashboard.

API

Dashboard

Documentation

Mar 15, 2022

Payroll Advance

Pull in payroll data from an external source and initiate a payroll advance to a Highnote financial account.

API

Documentation

Mar 9, 2022

Connect External Bank Accounts with Plaid

Plaid and Highnote have partnered to provide the simplest way for your Account Holders to fund or make payments to their accounts on your platform. Your Account Holders can connect their external bank accounts from Plaid's drop-in module within your app or website. Once an external bank account is verified, you can use Highnote to transfer money between the Account Holder’s external bank account and their Financial Account.

API

Dashboard

Documentation

Mar 1, 2022

Update Person Account Holders

You can now update a Person Account Holder's address, phone number, and email from the API and Dashboard.

API

Dashboard

Documentation

Feb 28, 2022

New Notifications: Application Status

You can now subscribe to Notifications for when an Application has a status of Approved, In Review, Manual Review, Denied and Closed.

API

Documentation

Dashboard

Feb 18, 2022

Card Viewer SDK

Card Viewer SDK allows you to securely display sensitive payment card details to your customers without being in PCI scope.

Documentation

SDK

Feb 16, 2022

Business Account Holders Now Available

Account Holders can now be a person or a business. We've added the ability to create, view, and list Business Account Holders within the Dashboard.

Dashboard

Feb 7, 2022

Document Uploader - Upload Documents to Verify "In Review" Applications

When an Application has been flagged for manual review and verification documents are required, you can use the Highnote API to generate upload URLs and allow customers to provide documents from your UI.

API

Documentation

Feb 2, 2022

GraphQL API Reference

We are excited to add an API Reference to our Documentation.

Documentation

API

Jan 17, 2022

Virtual DDAs

Highnote Financial Accounts may now have an associated account and routing number to allow funds movement into and out of Highnote.

API

Dashboard

Documentation

Jan 3, 2022
Notifications in the Dashboard

Receive Notifications via Webhooks

You can now subscribe to events in the Highnote Platform via webhooks. Webhooks can be managed via both the GraphQL API and dashboard.

API

Dashboard

Documentation

Jan 3, 2022

Events Now Available

Published events in the Highnote Platform are now available via the GraphQL API and stored for 30 days.

API

Documentation

Dec 8, 2021

Enhanced Transaction Simulation in Test Environment

This change enables users to configure merchant details (country and category) of a transaction simulation in the Highnote Test Environment. These details are now viewable on the transaction event details page in the dashboard.

Dashboard

Dec 2, 2021

Live and Test Environments in the Dashboard

With a single Highnote account you can now instantly switch between any Test Environments and Live Environments you belong to in the Dashboard.

Dashboard

Nov 22, 2021
Copy IDs from Dashboard Detail Pages

Entity IDs in the Dashboard

We've added entity IDs throughout the Highnote Dashboard as well as the ability to quickly copy them.

Dashboard

Nov 17, 2021

ATM Locator API

You can now display supported ATM locations in your app or website via the Highnote API.

API

Nov 3, 2021
Team Members Tab

Invite Team Members to your Highnote Organization

As of today, you can add colleagues to your Highnote Organization. Under "Organization Settings" use the "Team Members" tab to share access to your account.

Dashboard

Oct 29, 2021
Spend Rules in the Dashboard

Spend Rules Now Available

Spend Rules are now available for Card Products and Payment Cards in both the API and Dashboard. You can create Spend Rules that control authorizations based on merchant category, merchant country, authorization amount, CVV code, or street address.

API

Dashboard

Documentation

Oct 8, 2021
Physical Card Order in the Dashboard

Order Physical Cards

You can now order physical cards for your customers from the Highnote API and Dashboard.

API

Dashboard