ACH v2 notification events are now available. ACH v2 notification events were created to simplify ACH transfer events and notifications on the Highnote platform.

Highnote's legacy ACH notification events are still supported. Using the legacy ACH notification events will not impact your integration's functionality or performance.

For more information about ACH v2 notification events and guidance for upgrading to the new events, see the Events Reference.

You can now simulate credit report freezes and fraud alerts for credit card products that perform credit report inquiries. For more information, see Simulate Underwriting Decision.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

Create Consumer Payroll Products in the Test Environment.

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.

Create Commercial Charge Card Products in the Test Environment.

Create Consumer Prepaid Card Products in the Test Environment.

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.

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.

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.

Release Secure Inputs SDK @ 0.12.0.

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

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.

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

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

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

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

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

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.

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

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.

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

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

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

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.

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

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

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

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

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

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.

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