Highnote
Highnote is a financial technology platform for businesses building financial products, bringing card issuing, payment acquiring, credit, ledgering, and mone…
What Highnote is
Highnote is a financial technology platform for businesses building financial products, bringing card issuing, payment acquiring, credit, ledgering, and money movement together. Issuing supports physical, virtual, and tokenized cards, along with spend rules and velocity controls. For payment acceptance, the platform supports major debit and credit cards, direct online payments, and recurring payments. Its ledger provides real-time balances and reconciliation reporting. Developer resources include a GraphQL API, API reference and explorer, real-time notifications and webhooks, and PCI-compliant SDKs. Documentation describes external bank account verification and linking through Plaid and Finicity. Highnote serves businesses from startups to established enterprises. Listed plans include Issuing Standard, Acquiring Enterprise, and Acquiring Standard; prices are available on request, with Acquiring Standard billed Pay-As-You-Go. The company was founded in 2020 and is headquartered in San Francisco, California. Highnote says its subsidiary Highnote Payments is registered as a money services business with FinCEN and is pursuing U.S. state money transmitter licenses; until licenses are secured in particular jurisdictions, services are provided under a bank sponsorship model.
Good
- Supports physical, virtual, and tokenized cards.
- Spend rules and velocity controls are available.
- Ledger includes real-time balances and reconciliation reporting.
- Developer tools include GraphQL and webhooks.
- Plans include pay-as-you-go acquiring.
Watch out
- Prices are available on request.
- Some live-environment capabilities are limited by compliance and regulations.
- Some actions require Highnote support or cardholder initiation.
Who it suits
Highnote is aimed at businesses building or scaling financial products, from startups to established enterprises. Its API and issuing, acquiring, and ledger capabilities are relevant to teams developing payment services.
Verdict
Highnote combines card issuing, payment acceptance, ledgering, and developer tools for businesses building financial products. Ask sales about pricing and confirm which capabilities are available for your intended use and jurisdiction.
Plans and prices
From Highnote's own pricing page, checked 29 Sep 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Acquiring Enterprise | Priced on request | Flexible pricing models · volume discounts · dedicated payments specialist |
| Acquiring Standard | Priced on request | Access all features · no hidden fees · easy setup · Pay-As-You-Go |
| Issuing Standard | Priced on request | Transparent pricing breakdowns · volume discounts · interchange split · dedicated program manager |
The facts
Each one read from Highnote's own pages, with the date it was checked.
What it does
- Acquiring
- The platform supports accepting major debit and credit cards, direct online payments, and recurring payments.checked 29 Sep 2026
- Card programs
- Its issuing features include physical, virtual, and tokenized cards, spend rules, and velocity controls.checked 29 Sep 2026
- Compliance and licensing
- Highnote says its subsidiary Highnote Payments is registered as a money services business with FinCEN and is pursuing money transmitter licenses across U.S. states; until licenses are secured in particular jurisdictions, it provides services under a bank sponsorship model.checked 29 Sep 2026
- Developer tools
- Highnote lists a GraphQL API, API reference and explorer, real-time notifications and webhooks, and PCI-compliant SDKs.checked 29 Sep 2026
- Integrations
- Highnote documentation describes external bank account verification and linking through Plaid and Finicity.checked 29 Sep 2026
- Intended customers
- Highnote describes its platform as serving businesses from startups to established enterprises that want to build and scale financial products.checked 29 Sep 2026
- Ledger and reporting
- The platform includes a ledger with real-time balances and reporting for reconciliation.checked 29 Sep 2026
- Notable limitation
- The dashboard documentation says some capabilities are limited in the live environment due to compliance and regulations, and lists some actions that require Highnote support or cardholder initiation.checked 29 Sep 2026
- Security
- The pricing page lists data security via the Highnote Vault and PCI-compliant SDKs.checked 29 Sep 2026
- Support
- The platform includes customer and product support, and its support center directs capability and pricing questions to sales.checked 29 Sep 2026
- What it does
- Highnote brings card issuing, payment acquiring, credit, ledgering, and money movement together on one platform for businesses building financial products.checked 29 Sep 2026
The company
- Founded
- 2020checked 28 Sep 2026
- Headquarters
- San Francisco, California, United Stateschecked 28 Sep 2026
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