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Highnote is the world’s most modern card issuer processor and program management platform, purpose-built to grow customer loyalty, engagement, and revenue through embedded card issuance experiences.

With an all-in-one platform and a fully integrated issuer processor built from scratch to address the use cases of today and tomorrow, Highnote gives you unparalleled control, flexibility, and speed.

Partner Type

Visa Ready Certified


Issuer Processor


Card Issuance API Platform


Card Issuance API Platform: Build For Today And Tomorrow

Highnote offers a modern card issuer-processor platform built from the ground up and directly connected to Visa. 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.

Screenshot of Highnote's API experience

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.


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.

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.

Solution Information

Issuer Processor

Visa Credential and Card Support
Consumer, Small Business, Commerical, Prepaid, Debit, Credit, Fleet

In-Region Support

PCI Compliance

Testing and Environment Information

Solution Deployment

Tenancy Architecture
Multi-product / Multi-client / Multi-BIN

Comprehensive APIs

Sandbox Testing Environment
Highnote provides a test environment for all clients to build their integration. The platform includes the ability to simulation funds movement and transaction simulations for Auth, Clear, and Reversals. 

Uptime Availability in Region(s)

Solution Support

Visa Token Service (VTS) Support

Visa Direct Support

Visa QR Payments ("Scan to Pay" Support)

Customizable Authorization Decisioning

Cutom & API Report Options

Authorization Flow
Fully Managed, Partially Managed

Incremental Authorization

Additional Solution Information

Instant Funding / $0-Balance Transactions

Proprietary or Visa Access Control Server (ACS)

Risk-based Authentication (3DX 2.0)

Real-time Risk Scoring

Custom Fraud Rules

BIN Sponsor Connections

Program Management / End-to-End

Full-service Credit Program Management

Multi-currency Partitioning

Visa Value-added Services Integration

Other Value-added Services Integrations
Loyalty, Payment Gateways, eKYC

Operating Countries