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Digital Wallets
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 Partner Bank and payment network.
Card art templates are used to help guide you with your card design. Highnote provides specific card art templates based on your card product's card network, vertical (prepaid, debit, credit, etc.), and Partner Bank.
Contact the Highnote implementations team for access to a card art template for your card product.
Card art must follow specific guidelines for approval by Highnote and Partner Banks. Some guidelines apply to all virtual cards, while others apply only to cards issued using Visa or Mastercard. Refer to general and card network-specific guidelines when designing card art.
When designing card art for tokenized cards, we recommend keeping designs simple. Refer to the following design tips for tokenized cards:
Background
- PNG (up to 3MB) file type
- Hex color format
- 1536 x 969 pixels
Logo
- SVG (up to 1MB) or PNG (up to 3MB) file type
- Hex color format
- 1372 x 283 pixels
Icon
- PNG image
- Hex color format
- 100 x 100 pixels
Refer to the following general guidelines when designing tokenized cart art:
- 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:
- 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
The following guidelines apply to tokenized cards issued on the Mastercard network:
| Card element | Guideline |
|---|---|
| "Business debit" product identifier | Required for commercial debit and prepaid cards |
| Background color | Used when no background card art is available |
| PAN color | Controls how the card number appears over the background |
| Card description color | Controls how the description appears in the digital wallets |
| Terms and conditions | Must provide a URL to access full text |
| Privacy policy | Must provide a URL to access full text |
| Long description | Used for display in digital wallets |
| Short description | Used for mobile device notifications |
| Customer service contact information | Must include phone number, email address, and URL |
The following guidelines apply to tokenized cards issued on the Visa network:
| Card element | Guideline |
|---|---|
| Card art files | Must be in PNG format, 1536 x 969 pixels, and maximum file size of 4MB |
| Background color | Used when no background card art is available |
| Foreground color | Used for values such as the PAN and other variable elements |
| Label color | Controls how labels for variables will appear (ex: expiration date) |
| Terms and conditions | Must provide URL to access full text, full text in .txt format |
| Privacy policy | Must provide URL to access full text, full text in .txt format |
| Contact name | Provide the name of the Partner Bank |
| Long description | Used for display in digital wallets |
| Short description | Used for display in mobile device notifications |
| Customer service information | Must provide a phone number, email address, and URL |
Card design is subject to approval by Highnote and the Partner Bank as outlined in Marketing and Collateral. When you are ready to submit final artwork, send your card art files to collateral-review@highnote.com.
Following approval and authorization, Highnote will work alongside you to test your tokenized card before production. The testing process involves tokenizing allowed listed cards with each wallet provider you plan to support to ensure the tokenized cards and notifications appear as desired.