See guidelines below and should there be questions about additional standards, partner with Highnote to see if there are any other Network approved variances.
Network image must be present
Card must be clear and legible
Network symbol must be fully visible, partial Network symbol is not acceptable
Same card image standards mentioned in the Physical Card section apply
Card image must be approved by Highnote and partner bank prior to use in marketing material
Issuing statement must appear on the same page as the card image
Acceptance language is to be included on all applicable collateral material except Card Art and Design, Activation Stickers, Envelopes, and other items designated by the partner bank. Example language, “The card may be used anywhere Mastercard is accepted”
An account number is optional. If an account number is included, the expiration date and the cardholder name must be present
For Mastercard, if a cardholder name is used, it must be Lee M. Cardholder and the account number must be 5412 7512 3412 3456
For Visa, the account number must be 4000 1234 5678 9010 and there is no required cardholder name for Visa
For Discover, the account number must be 6011 0000 0000 0000 and there is no required cardholder name for Discover
For Mastercard and Visa, the expiration date should go out at least three (3) years
Language should clearly be stated to ensure a consumer does not believe a line of credit or something similar is permitted.
Correct usage of applicable terms include: “Maximum value”, “Card value”, “Amount stored in your card account”, “Maximum load on your card” and “Funds available”
Do not utilize phrases, such as “Cash limit”, “Card limit”, and “Prepaid limit”
Virtual Card/Account
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A virtual account is established for online or mobile application commerce. A physical card is not issued for the account.
Required Items
Network Symbol
Primary Account Number (PAN)
Card Validation Code (CVC)
Expiration Date
Issuer Identification
Prohibited Items
Chip
Magnetic Strip
Signature Panel
Card Images
Exact replica of corresponding physical card or neutral-color background. If there is no physical card for the Card Product, please abide by the following:
Background images must contrast with the Network image, meaning the Network image should not blend in with the card art.
Prohibited background images include (but not limited to):
Included are general guidelines for a physical card. The Network may have more specific guidance and Subscribers can partner with Highnote should there be unique use cases where Network guidance is required.
Required Items
Network Symbol on front of card
Primary Account Number (PAN) on front or back of card
Card Validation Code (CVC) on back of card
Expiration date on front or back of card
Issuing statement on front or back of card
Magnetic Stripe on back of card
Customer Support contact information (phone number) on the back of the card
Card Images
Background images must contrast with the Network image, meaning the Network image should not blend in with the card art
Prohibited background images include (but not limited to):
A tokenized card is a representation of a physical card for display within a digital wallet.
Required Items
Network Symbol
Last four digits of Primary Account Number (PAN) (Mastercard tokenized only)
Full PAN, Card Validation Code (CVC), and expiration date (Mastercard non-tokenized only)
Card Images
Exact replica of corresponding physical card or neutral-color background. If there is no physical card for the Card Product, please abide by the following:
Background images must contrast with the Network image, meaning the Network image should not blend in with the card art.
Prohibited background images include (but not limited to):