After an Application is submitted, the Application `applicationState.status` returned will be: 
`PENDING`, `IN_REVIEW`, `DENIED`, or `APPROVED`

| Status | Description
|:---|:---|
| `PENDING` | The Application has been received and the system is running automated verifications.
| `IN_REVIEW` | In some cases, an Application may be flagged for manual review because fraud is suspected or the information provided appears incorrect. An agent is reviewing the Application to determine a decision or if additional information is required from the Account Holder.
| `DENIED` | The Application has failed one or more policies (e.g. fraudulent application information provided). A Payment Card cannot be issued to this Account Holder. Customer notification of the denial and denial reason may be required. 
| `APPROVED` | The Application has been approved. You may now issue a Payment Card to the Account Holder.

Verification Status

In some cases, applications can be flagged for review because additional account holder verification information is needed. 
This review process confirms a person or business's identity and ensures compliance with Know-Your-Customer (KYC) or Know-Your-Business (KYB) regulations. 



Overview

Identity Verification

Issue Your First Card

Test Your Integration

Using Ledgers

Controlling Authorizations with Spend Rules

Order Physical Cards

Managing Financial Accounts

Highnote API

Search & Filters

Events and Notifications

Get Started

Quick Start Templates

Dashboard

Issue Cards

Control Authorizations

Move Money

Handle Transactions

Manage Credit

Onboard Accounts

Compliance

Card Design

Test the API

Generate Reports

Accept Payments

Simulate Payments

Offer Rewards

Issuing SDKs

Acquiring SDKs

Data Sharing

Instant Payments

Highnote Overview

PCI Data Security Standards

Intro to GraphQL

Using the Highnote API

Rotate API Keys

API Rate Limiting

Request Complexity

API Error Handling

Search

Highnote Query Language

Custom Fields

Idempotency

API Status and Changes

Using the Dashboard

Notifications

Events

Events Reference

Launch Checklist

Basics

Issuing Overview

Virtual Cards

Physical Cards

Digital Wallets

Design Your Card Experience

Marketing and Collateral

Cards in Marketing

Co-Brands

Onboard an Account

Request Documents for Application Review

Onboard Authorized Users

Onboard Authorized Users (deprecated)

Update Account Information

Close an Account

Financial Account Revisions

Simulate Application Review

Simulate Account Closure

Manage Card Profiles

Print Physical Cards

Print Physical Cards in Bulk

Issue Preprinted Physical Cards

Display Card and Account Details

Manage Cards

Payment Card Revisions

Add Cards to Digital Wallets

Simulate Card Order Fulfillment

Simulate Address Validation

Simulate Digital Wallet Token Provisioning

Transaction Lifecycle

Build a Transaction Feed

Fees

Chargebacks and Disputes

Simulate Transactions

Simulate Fleet Transactions

Configure Spend Rules

Configure Velocity Controls

Collaborative Authorization

Collaborative Authorization Fleet Data

Suspend an Account

Simulate Collaborative Authorization

Add Funds to your Balance

Transfer between Financial Accounts

Connect External Accounts

Add Funds to an Account

Move Funds Out of Highnote

On-demand Funding

Payroll Advance

Check Payment

Simulate Connecting an External Account

Simulate a Wire Transfer

Credit Overview

Standard Credit Purchase

BNPL and Flexible Installments

Find Variable Interest Rates

Simulate Underwriting Decision

Collaborative Application Decisioning

Set and Update Credit Limits

Deliver Credit Statements

Deliver Prepaid Statements

Schedule Repayments

Credit Bureau Reporting

Account Delinquency

Create Secured Deposit Offer

SCRA and MLA

Simulate Billing Statements

Simulate Delinquency

Simulate Repayments

Create Reward Earn Rule

Configure Reward Redemption

Redeem Rewards

Adjust and Find Rewards

Using Reports

Card Interchange Activity Report

Card Transaction Activity Report

Credit Loan Tape Report

Fleet Enhanced Data Summary Report

Ledger Entry Report

Negative Account Balance Report

Receivable Sale Reports

Summary Metrics

Data Schema

Commercial Credit

Consumer Credit

Commercial Charge

Consumer Charge

Fleet

AP Automation

Commercial Prepaid

Consumer Prepaid

Issuing

SDK Overview

Client Tokens

Installation

Supported Packages and Browsers

Card Viewer SDK

Document Upload SDK

Risk Application SDK

Sardine Processor API

Secure Inputs SDK for PINs

Checkout SDK

Secure Inputs SDK for Tokenization

SDKs

Acquiring Overview

Online Payments

Payment Orders

Simulate Authorizations and Declines

Display Transactions

Acquiring

Highnote Platform Overview

Instant Network Transfers

Platform

Status	Description
`PENDING`	The Application has been received and the system is running automated verifications.
`IN_REVIEW`	In some cases, an Application may be flagged for manual review because fraud is suspected or the information provided appears incorrect. An agent is reviewing the Application to determine a decision or if additional information is required from the Account Holder.
`DENIED`	The Application has failed one or more policies (e.g. fraudulent application information provided). A Payment Card cannot be issued to this Account Holder. Customer notification of the denial and denial reason may be required.
`APPROVED`	The Application has been approved. You may now issue a Payment Card to the Account Holder.