Tokenized cards are provisioned to digital wallets such as Apple Pay or Google Wallet. Before a Card Product may be utilized with a digital wallet, you must work with Highnote to ensure all aspects of the program are in order, properly formatted, and approved to facilitate tokenization by the issuing bank and the payment network.
General Guidelines
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Card Art controls how your tokenized card will appear in digital wallets, and the Payment Networks maintain separate standards in addition to general guidelines.
Digital wallet providers will round corners of Card Art and Icon images. Do not round the corners of these images as it will result in “double rounding”.
Only absolute pixels, not the image resolution (e.g., 72ppi), are relevant.
Card Art should represent the physical card, but it must not be an actual picture of a physical card.
Do not include shading or any three-dimensional elements in your tokenization assets.
Card Art must not include any of the following variable elements (not even examples):
Cardholder name
PAN
Expiration date
Labels describing embossed/printed attributes
Representations of magnetic stripe or EMV chip contacts
Static pictures of dynamic elements such as holograms
Design Guidelines
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Background
PNG (up to 3MB) file type
RGB color format
1536 x 969 pixels
Logo
SVG (up to 1MB) or PNG (up to 3MB) file type
RGB color format
1372 x 283 pixels
Icon
PNG image
RGB color format
100 x 100 pixels
Mastercard Guidelines
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Product Identifier
For the Commercial Debit Product the card art must contain the "business debit" identifier.
Product Identifier can appear anywhere within the dotted line.
The image must contain the issuing bank, the network, and your company logo. This is the image that will be displayed on the wallet.
PNG format
1536 x 969 pixels
Icon
The icon appears in notifications from the digital wallets.
PNG format
100 x 100 pixels
Colors (Visual Appearance Keys)
Submit these in CSS-style RGB format (e.g. rgb(23, 122, 235)).
Background color is used when no background card art is available.
Foreground color is used values such as the PAN and other variable elements.
Label color controls how labels for variables will appear (e.g. “Expiration Date:”)
Company Information
Provides key contextual information to your customers.
Terms and Conditions
Full text in .txt format
URL to access full text
Privacy Policy
URL to access full text
Contact Name - the name of the issuing bank
Long Description - used for display in digital wallets
Short Description - used for mobile device notifications
Customer Service Contact Information
Your company’s Customer Service phone number
Your company’s Customer Service email address
Your company’s Customer Service website URL
Setup
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Colors
Colors must be submitted in hex code format for Mastercard and as a CSS-style RGB triple (e.g. rgb(23, 122, 235)) for Visa.
Background color is used when no background card art is available.
PAN text color controls how the number appears over the background.
Card Description color controls how the description appears in the digital wallets.
Terms and Conditions
URL to access full text
Privacy Policy
URL to access full text
Customer Service Contact Information
Phone number
Email address
Website URL
Testing
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Following approval and authorization, Highnote will work alongside you to test your tokenized card before production. The testing process involves tokenizing whitelisted cards with each wallet provider you plan to support to ensure the tokenized cards and notifications appear as desired.
Launch
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After successful testing, you are ready to launch your tokenized card and enable digital wallet access for your customers!