Issuing Overview
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.
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:
| Concept | Definition |
|---|---|
| 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 using a payment card |
For an overview of more Highnote Issuing terms and concepts, see our Issuing terms glossary.
Card products are customizable, and each card program may look different. In general, the Highnote Issuing process occurs as follows:
- Create a card product and customize it to fit your needs.
- Onboard account holders using an application on your app or website.
- Once an account holder's application is approved, create a financial account for them.
- Issue the account holder a payment card.
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:
- Consumer Credit
- Consumer and Commercial Charge
- Fleet
- AP Automation
- Consumer and Commercial Prepaid
- Payroll
Use the following steps to create an account and review Highnote’s getting started content:
- Create an account and explore the Dashboard.
- Learn about the Highnote API.
- Test the API.
- Learn about the Highnote SDKs.
- Review our Support Guides.
- Create your card product and prepare for launch.