Highnote is the Platform Built for Card Issuance

Highnote offers everything you need to issue any type of card and the flexibility to customize to your business.


Create payment cards and accounts for your customers and embed the experience in your existing app or website.

Virtual Cards

Issue single-use or multi-use virtual cards and create customizable payments in a matter of milliseconds.

Physical Cards

Customize cards and mailers, use your own branding, and control where and how cards can be used.

Tokenized Cards

Push cards to digital wallets for immediate access and to enable contactless payments in-person.

Card Management

Instantly turn cards on and off, adjust spending parameters, and manage your card product.

Bank Accounts

Create bank accounts for your account holders and enable bank transfers and payments. Banking services provided by partner banks, members FDIC.


Highnote provides unparalleled control, flexibility and transaction speed.

Spend Rule

Quickly reduce fraud by limiting the amount and location of transactions.

Rich Transaction Data

See all the data on your transactions and generate insights into card usage.

Collaborative Auth

Implement custom logic to control every authorization on your cards.


Highnote provides you direct, API access to our ledger. Know where your money is in real-time and unlock data-rich capabilities.

Any Card, Every Event

Complete debit and credit entries for every event across your accounts.

Real-time Balances

Real time balances for revenue, fees, customer accounts, and available funds management.

Data Your Way

Get the data the way your financial operations team needs it, when they need it, without complicated spreadsheets.

Financial Operations

Highnote allows you to quickly make decisions with real-time transaction data to identify patterns and outliers.

Real-time Notifications

Notifications can be used to complete asynchronous flows, monitor for changes or alerts, or to shuttle data into third-party systems such as an analytics dashboard.

Reconciliation Reports

Simplify and accelerate how you reconcile transactions through our API and Dashboard. Our reports work with the tools your team already uses.


Highnote’s platform meets the highest certification standards to help reduce compliance burdens for your business and keep transactions safe.

Minimized PCI Compliance

Highnote handles all the sensitive information and provides SDKs to keep card data off your systems.


Highnote is PCI DSS Level I certified. We design our systems and processes to minimize your scope.

Know-Your-Customer Included

Receive know-your-customer or know-your-business results on account holder creation.

Streamlined Collateral Management

Highnote provides templates for collateral and reduces the complexity of managing a card program.

Get Started with Highnote