Issuing Overview

What is Issuing?

Highnote Issuing is a card issuing solution built on the most modern payments platform.

With Highnote Issuing, you have the benefits of:

  • Creating and managing customizable payment cards, including virtual, physical, and tokenized digital cards.
  • Controlling and optimizing authorizations with spend rules and velocity controls.
  • Tracking money movement and balances with the integrated ledger.
  • Highnote’s GraphQL API and SDKs, which enable your team to quickly bring a card product to market.

Highnote empowers you to own your card program with end-to-end card program management. Highnote can help you launch your card program without the hassle of managing your own compliance and business operations. Our in-house compliance and operations teams manage Know Your Customer and Know Your Business (KYC-KYB), regulatory compliance, transaction monitoring, daily reconciliation, settlement, and more.

Key Concepts

The Highnote API Reference contains comprehensive resources for creating and managing your card program. The following concepts are the key components for all card programs built using Highnote’s Issuing platform:

Account holderA person or business issued or provided use of a payment card or financial account connected to a card product
Card productRepresents your card program, including applications, financial accounts, payment cards, bank accounts, and transactions
Financial accountAn account defined to represent funds available for use by, or owned by, a Highnote account holder
Financial eventAny event that affects the balance of a financial account, including non-transaction events
LedgerA financial account's record of financial account activity
Payment cardA card, other access device, or account number connected to account holders under a card product
Transaction eventAn event resulting from using a payment card

For an overview of more Highnote Issuing terms and concepts, see our Issuing terms glossary.

Issuing Process

Card products are customizable, and each card program may look different. In general, the Highnote Issuing process occurs as follows:

  1. Create a card product and customize it to fit your needs.
  2. Onboard account holders using an application on your app or website.
  3. Once an account holder's application is approved, create a financial account for them.
  4. Issue the account holder a payment card.


Quick Start Templates

Highnote’s card issuing platform allows you to create a card product that fits your needs. You can jumpstart your card program with easy-to-use guides using one of Highnote’s Quick Start Templates. The following templates are supported:

Next Steps

Use the following steps to create an account and review Highnote’s getting started content:

  1. Create an account and explore the Dashboard.
  2. Learn about the Highnote API.
  3. Test the API.
  4. Learn about the Highnote SDKs.
  5. Review our Support Guides.
  6. Create your card product and prepare for launch.

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