Highnote Issuing is a card issuing solution built on the most modern card platform.
With Highnote Issuing, you have the benefits of:
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 compliance and operations. Our in-house compliance and operational teams manage Know Your Customer and Know Your Business (KYC-KYB), regulatory compliance, transaction monitoring, daily reconciliation, settlement, and more.
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 holder||A person or business issued or provided use of a payment card or financial account connected to a card product.|
|Card product||Represents your card program, including applications, financial accounts, payment cards, bank accounts, and transactions.|
|Financial account||An account defined to represent funds available for use by, or owned by, a Highnote account holder.|
|Financial event||Any event that affects the balance of a financial account, including non-transaction events.|
|Ledger||A financial account's record of financial account activity.|
|Payment card||A card, other access device, or account number connected to account holders under a card product.|
|Transaction event||An event resulting from the use of a payment card.|
Card products are customizable and each card program may look different. In general, the Issuing process occurs as follows:
Highnote’s card issuing platform provides you with the flexibility to create a card product that fits your needs. Using one of Highnote’s Quick Start Templates, you can jumpstart your card program with easy-to-use guides. The following templates are supported: