Credit Made Smarter
Issue credit cards, service loans, control spend, and more – all on a single platform.
Talk to an ExpertEverything 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.
Rewards
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.
Financial Account
7 Days Delinquent
$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.
Add Credit Plan
Purchase Plan
Create
Created
Credit Limit
APR
Rate Type
Assessment
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.