Heading to Money20/20 USA? Let's talk.
Issue cards, accept payments, and move money on a single unified platform with one real-time ledger underneath every transaction.
Issue cards and open accounts on the balances you already hold.
Issue cards, accept payments, and move money. Each product stands on its own, and every one you add runs on the integration and ledger you already have.
Launch consumer and commercial credit, charge, debit, prepaid, fleet, virtual, and cobrand card programs on one platform. Set spend rules, authorize in real time, and own the full card lifecycle from issuance to settlement.
Explore Issuing
Accept card payments on the platform that issues them, whether direct, PayFac, POS, or on-us. Onboard merchants, authorize and capture, manage disputes, and settle without bolting on a separate acquirer.
Explore Acquiring
Move money across every rail from one integration. ACH, wire, RTP and FedNow, push to card, stablecoin, and check, routed however your business needs money to move.
Explore Money Movement
Every capability below runs on the same API and the same real-time ledger, so adding one never means adding a vendor.
Every authorization, payment, and balance posts to one double-entry system of record the moment it happens, at four-decimal precision, event-sourced and replayable. It is not a reporting layer added after settlement. It is the record every product writes to, so your balances are true when a transaction happens, not after it settles.
Ledger balance
$47,976,861.73
ACH payout
Operating balance → Vendor bank
−$250,000.00
Card purchase
Program balance → Merchant
−$2,318.75
Card payment
Customer card → Merchant balance
+$12,450.00
KYC and KYB, risk, disputes, fees, and reporting are built once and shared by every product, not rebuilt for each vendor.
One contract, one integration, and one record to reconcile, with custom interchange between your own programs.
A GraphQL API and webhooks over the same ledger, with docs and a sandbox to build against from day one.
Real customers that launched with a single product and expanded across the platform on the same API, the same ledger, and the same contract.
View Customers
WorkWhile launched instant worker payouts on Highnote, paying shift workers the moment a job ends, and expanded across issuing and money movement on one platform.
View Case Study →
Fluz started with card issuing and grew into a full unified platform on Highnote, running its consumer rewards program on one ledger.
View Case Study →
Coinflow builds next-generation payment experiences on Highnote, moving money across card and stablecoin rails from a single integration.
View Case Study →Whatever you're building, it maps to the same platform. Each use case links to its solution page.
Increase virtual card adoption, unlock revenue, and streamline supplier payments.
Deliver modern spend controls, real-time visibility, and scalable program design.
Power fleet payments with granular controls, real-time data, and operational flexibility.
Better economics, acceptance, and reconciliation for travel payouts.
Launch and scale financial experiences without legacy infrastructure constraints.
Build branded credit programs that deepen loyalty and unlock new revenue.
Embed and monetize payments inside your platform for seamless financial workflows.
Issue branded, open-loop gift cards with program-level controls and one unified ledger.
Deep dives on payments, product announcements, and how companies are building on the platform, from the team behind it.
Explore BlogTrace a single booking from traveler pay-in to supplier payout, and the case for one platform makes itself.
Read more →The most expensive decision in payments is usually the one that looks cheapest on day one.
Read more →Speed or control is a false trade-off. The right infrastructure lets you launch fast without giving up ownership of the flow.
Read more →Highnote gives you the foundation to launch faster, differentiate, and keep moving.
