Build Better Embedded Payment Solutions With the Highnote Builders Playbook

Spend
Management
Issuing

Highnote’s Spend Management Platform unifies issuing, acquiring, credit, and real-time ledgering, enabling you to launch, manage, and scale expense programs with instant visibility, control, and compliance.

Gain Visibility and Control

Set spend and velocity rules by merchant, category, or limit. Approve or decline in real time through configurable APIs.

Unify Insights and Data

Connect enhanced transaction data with your unified ledger for richer reporting and faster decision-making.

Automate Identity Verification

Embed verification into onboarding to reduce manual review and streamline compliance.

Card Network
Approved Amount
Status
PAN Entry Mode
Recurring
Requested Amount
Card Product
Account Holder
Merchant Description
Merchant ID
Card Present
Created At
Card Data Input
AVS Address Response
Processing Type
Auth Expiration
Terminal Attendance
AVS Postal Code Response
Merchant Category
PIN Entry Mode
Advice
Account Holder Present
CVV Response
Partial Clearing
Merchant Country
Card Network
Approved Amount
Status
PAN Entry Mode
Merchant Name
Merchant Category
Card Present
Updated At
Merchant ID
Merchant Country
Card Product
CVV Response
Terminal Attendance
Requested Amount
Account Holder

Access Enhanced Transaction Data

Detailed transaction payloads empower you to write advanced logic around authorization approvals and gather deep insights.

Build Rewards and Loyalty Programs

Design incentives — points, cash-back, or partner credits — directly inside the Highnote platform.

Manage Everything in One Place

Monitor cards, limits, and reporting through a single, intuitive dashboard.

Full Enterprise-Grade Compliance and Support
Security and Data Privacy
PCI DSS Level 1 Certified
SOC 1 & 2 Compliant
Domain Verification, SAML, SSO, & SCIM
Data encrypted at-rest with AES-256
Isolated Infrastructure
Operational Tools and Visibility
Manage and Monitor All Highnote Data
Generate Reports and Audit Logs
Configure Card Profiles and Permissions
Set Spend Controls by Program
Test and Validate in a Dedicated Environment
Program Management and Support
Compliance and Regulatory Guidance
Implementation and Integration Assistance
Legal and Operational Support
Physical Card Design Services
Ongoing Customer Success Management
FAQ

Start Building your Spend Program with Highnote