The Infinitely Flexible Product for Your Business

Highnote creates custom and differentiated products tailored to your business. Say goodbye to pre-selected buckets, slow launch times, and the inability to extend your brand. Say hello to a product that can grow and adapt with your needs and power your innovation.

Talk to an Expert
& Consumer

Whether your customers are individuals, businesses or both, we've got the cards and funding models to fit your product.


Issue cards to businesses and their employees while supporting advanced funds flows and detailed spend tracking.


Issue cards to individuals that incentivize and reward spend.

Flexible Funding & Networks

Move funds and issue cards the way you want. Whether that's Visa or Mastercard, virtual or physical, debit, prepaid or credit, Highnote is ready.

Fund Cards with a Balance

Create accounts for cardholders and fund them with connections to external bank accounts. Maintain flexibility with On-Demand Funding and top up cards at the time of authorization.

Extend Lines of Credit

Eliminate the need for cardholders to pre-fund accounts and provide lines of credit based on advanced underwriting criteria. Adjust credit limits over time as you learn spending patterns.

Extend Your Product

Level up your product and add the features that differentiate your brand. Highnote provides the features to make your product sticky and keep your card top of wallet.

Financial Accounts

Connect cardholder accounts to the broader banking system and support incoming and outgoing ACH transfers.


Design the rewards program that creates loyalty with integrated point tracking in the Highnote ledger.

Payroll Integration

Make your card the center of your customer's finances and support direct deposit and payroll advance.

The Support You Need

From compliance to fraud to customer support, we listen and help you with your program every step of the way. While others just send you down a path, we're there with you from the beginning, answering your questions and helping you with your unique integration.

"We’ve been looking for a card provider that met the unique, complex, and fast-changing needs of our customers for some time. Not only that, but we also wanted a partner that felt as modern as the services that we are offering are. It was only when we tried Highnote that we were fully convinced this could be done. Their level of technical advancement and customizability puts them far above any other card issuer we’ve tried before."

Jordan Xiong CEO

Get Started with Highnote

Talk to an Expert