Credit Made Smarter

Issue credit cards, service loans, control spend, and more – all on a single platform.

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Everything to Run Your Credit Program

Issuing a credit card is just the start. Highnote gives you loan servicing capabilities to create and manage your credit program with ease.

Issue Credit or Charge Cards

Issue cards with lines of credit for both Consumer and Commercial customers, complete with options for APR-based or pay-in-full repayment interest terms.

Generate Billing Statements

Display the data you want by crafting your own billing statement with our API. Access rich data, including balances, interest charges, fees, and beyond.

Schedule Automatic Payments

Empower your customers to set up recurring payments, with the flexibility to choose an amount and duration they prefer.

Monitor Account Delinquency

Gain a comprehensive view of past billing cycles to help track performance history for both timely and delinquent payments.

Have Full Control

Highnote empowers you to take charge of your credit program. Experience the freedom to tailor interest charges to fit your needs, own your receivables, control spend, and influence the approval process.

Collaborate on Decisioning

Be the voice in the application approval process and during authorization. Conduct decisioning based on your credit policies.

Advanced Spend Controls

Control spend by setting limits based on merchant category codes, spend amount, address verification results, and more.

Own Your Receivables

Originate loans with one of Highnote’s bank partners and purchase your own receivables. Track your receivables in real time to increase visibility and control over funding.

Define APR for Different BalancesComing Soon

Customize your credit program by setting distinct interest rates for credit purchases, cash advances, and promotional financing.

Deliver Rich Customer Experiences

Extend the impact of your credit product by offering rewards and seamless integration with customers’ external bank accounts.


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

Financial Accounts

Connect cardholder accounts to the broader banking system using our partners, Plaid and Finicity, to support incoming and outgoing ACH transfers.

Tokenized Cards

Provision cards to Apple Wallet or Google Pay for in-person purchases without the need to carry a physical card.

Advanced Testing and Simulation Tools

Launch your credit program with confidence. Use Highnote’s extensive testing and simulation tools to get a full picture of your credit product before going live.

Simulate Delinquency

Manage your credit risk strategies and prepare credit reporting procedures by simulating delinquent accounts.

$0.00 Due
$120.00 Due
Simulate Delinquency
Simulate Account Suspension
Pay $120

Simulate Credit Plans

Test different credit plans to find your best fit. Simulate different APR offerings and credit limit usage to project customer scenarios and optimize your program revenue.

Credit Limit
Rate Type

Dashboard Testing Environment

Experience the full potential of your credit program with the Highnote Dashboard. Test your card product and engage with every customer touchpoint.

Dedicated Program Management

Highnote's specialized teams help provide guidance throughout the onboarding process, including all credit-specific requirements.

Get Started with Highnote

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