Home / Get Started Guides

Commercial Debit

Overview

A Commercial Debit Card Product allows you to issue debit cards funded from an associated Financial Account held by a business. These Payment Cards may be Virtual Cards available on your app or website, Physical Cards mailed to your Business Account Holder, or both.

commercialDebit.gif

Create a Commercial Debit Card Product

In the Test Environment, you can create a Commercial Debit Card Product from the Highnote Dashboard or with the CreateCardProduct mutation in the Highnote GraphQL API.

Create a Business

Once you've created your Commercial Card Product, you create a Business Account Holder. Account Holders may be issued Payment Cards from multiple Card Products.

Open an Application

For compliance and fraud, we currently prevent opening an Application from the Dashboard in all Live Environments.

Once you have created an Account Holder, you can open an Application to onboard them to your Card Product.

Opening an Application triggers the identity verification checks (KYC) necessary for your Card Product. These checks must pass in order to onboard the Account Holder. To create the Application you will need the cardProductId and accountHolderId.

When the Application is opened, it will be in a PENDING state. This means the Application is being reviewed and the appropriate KYC checks are running against the Account Holder. You can only have one Application open at a time for a given Card Product and Account Holder.

Issue a Financial Account

Financial Accounts hold the balance for Payment Cards. To create a new Financial Account pass the ID of a verified Application.

Financial Accounts have an externalID that allows you to tie the Financial Account to an entity in your system. If you do not pass in an externalID, Highnote will generate one.

Display Account & Routing Number

To display the Account and Routing number, you can fetch them from the API by generating a client token and using that token to view the restricted details.

View Restricted Details

To display the Account and Routing number, you can fetch them from the API by generating a client token and using that token to view the restricted details.

Add Funds with Non-Originated ACH

With a Financial Account ID, you can simulate a Non-Originated ACH Transfer from an external bank account into a Highnote Financial Account.

Non-Originated Transfers do not require you to connect an external bank account.

Issue a Payment Card

Once you have created and funded a Financial Account, you can issue a Payment Card.

Create Physical Card Order

Once you have issued a Payment Card you can create an Order for a Physical Card. When ordering a Physical Card, you can ship to the Account Holder's address on file or specify a different shipping address.

Physical Card Orders require:

  • Card Personalization Details
  • Shipping Address
  • Requested Ship Date
  • Shipping Method and Signature Requirements

Note: You may only submit one Order for a given Payment Card. If the Order is canceled or fails, you may try again for the same card. However, if an Order is successful and you need another Physical Card, you will need to issue a new Payment Card.

Display Payment Card Data

Selecting the number or cvv fields requires that you are PCI compliant.

Highnote recommends using the Card Viewer SDK to securely display payment card data and and reduce PCI burden.

To display the primary account number (PAN) and CVV to users, you can fetch them from the API by adding number and cvv to the selection set

Expand your Integration

Once you've completed the basics of setting up your card product, you can expand and test your integration further:

Provide Feedback

Was this content helpful?