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Highnote is a modern card issuing and program management platform, purpose-built to grow customer loyalty, engagement, and new revenue streams through embedded card issuance experiences.


Card Processors and Program Managers

Card Issuance API Platform: Build For Today And Tomorrow

Highnote offers a modern card issuer-processor platform built from the ground up and bare metal connected to the card networks. The issuer processor gives you unparalleled flexibility and control to build and scale the embedded card issuance use cases of today and tomorrow. Highnote’s developer-centric platform and developer tools are designed to fit into your environment and work seamlessly with your mobile and web products. Launch commercial and consumer prepaid, debit, credit, fleet, and charge cards with ease.

Highnote 2 developer friendly platform
Card Processors and Program Managers

Full-stack Modular Program Management Built for Scale

Complementing Highnote’s most modern issuer-processor platform is our modular all-in-one program management capability. Highnote’s end-to-end program management means that KYC/KYB, compliance, risk and fraud monitoring, physical card fulfillment, ATM access, sponsor bank relationship, reconciliation and settlement, BIN setup, and cardholder support are all taken care of, so your teams can focus on building the most differentiated card product to drive maximum value for your business, and your customers and users.

Highnote 1 all in one card issuance platform
Card Processors and Program Managers

Scalable General Ledger

Highnote’s immutable general ledger built on double-entry accounting framework gives your financial and operations team data the way they need it, without complicated spreadsheets or other patchwork database builds. Highnote’s ledger provides complete debit and credit entries for all transactions across all your financial accounts in a single source of truth. The scalable ledger significantly reduces the burden of reconciliation, statement generation and cardholder support on your teams and provides full visibility on money movement.

Highnote 3 modern card issuance platform
Card Processors and Program Managers

Rewards Built for the Future

Leveraging Highnote’s ledger technology, the rewards ledger gives you complete power and flexibility to build rewards programs that bring your dramatic vision to life for your customers and users. Whether you wish to integrate with third-party rewards networks or design your own custom rewards, the Highnote rewards ledger is one of the most advanced platform in the market.

Highnote platform alloy rewards
The Highnote rewards ledger delivers complete power and flexibility.

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