Events Reference

Overview

This guide is a reference for all Highnote notification events, organized by domain.

When you query for notification events, the Highnote API returns a NotificationEvent object. This object contains:

• A name field — a NotificationEventName enum value that identifies the event type, such as ORIGINATED_ACH_TRANSFER_INITIATED.
• A node field — a NotificationEventNode union type that contains the event details.

The tables below list both the name value you filter on when subscribing to events, and the event object you query for event details.

Node patterns

The node field follows one of two patterns depending on the domain:

• Dedicated event objects — Each name value maps to its own event object with event-specific fields. For example, ORIGINATED_ACH_TRANSFER_INITIATED returns an OriginatedAchTransferInitiatedEvent node. In your notification event query, you can use inline fragments on __typename to select fields specific to each event type.
• Shared domain object — Multiple name values share the same node object type. For example, CARD_PRODUCT_APPLICATION_APPROVED and CARD_PRODUCT_APPLICATION_DENIED both return an AccountHolderCardProductApplication node. Because the node type is the same regardless of which state change occurred, use the name field to determine what happened, and query the shared object for the entity's current state.

ACH transfers

Highnote organizes ACH transfer types by initiator. Highnote initiates "originated" ACH transfers, and external parties initiate "non-originated" ACH transfers. Both types can move funds in either direction (into or out of Highnote accounts) depending on the use case.

The following table describes each ACH transfer type and its direction of money movement. For more, see the ACH transfers docs.

Type	Direction	Description
Originated ACH transfer	Pull (Debit)	Highnote originates an ACH instruction to pull funds from an external bank account into a Highnote financial account
	Push (Credit)	Highnote originates an ACH instruction to push funds from a Highnote financial account to an external bank account
Non-originated ACH transfer	Pull (Debit)	An external bank initiates an ACH instruction on their platform to pull funds from a Highnote financial account.
	Push (Credit)	An external bank initiates an ACH instruction on their platform to push funds from the external bank to a Highnote financial account

The following table describes some of the fields you may see in an ACH notification event response. For a full list of response fields, refer to the API Reference.

Field	Description
type	The direction of the transfer, PUSH (pushing funds from a Highnote financial account to an external account) or PULL (pulling funds from an external account to a Highnote financial account)
amount	The amount of the ACH transfer
companyEntryDescription	Description of the type of ACH provided by the originator of the ACH transfer
companyIdentifier	An alphanumeric code used to identify the originator of the ACH transfer
companyName	Name of the company that initiated the ACH transfer
traceNumber	A unique 15 digit number assigned by the originator to identify the transfer
purpose	Describes the purpose of the transfer, for example, deposit
sameDay	Describes transfer processing speed. Nacha same day transfer limit is up to $1 million
sign	The impact of the transfer on a Highnote financial account
status	Represents the status of the ACH transfer, including a failure reason if applicable

Originated ACH transfer

Originated ACH transfer notifications are triggered when an ACH transfer is initiated from within the Highnote platform. The following notification events are available for originated ACH transfers:

Notification Event Name	Event	Description
ORIGINATED_ACH_TRANSFER_INITIATED	Object	ACH transfer initiated.
ORIGINATED_ACH_TRANSFER_PENDING	Object	ACH transfer is pending.
ORIGINATED_ACH_TRANSFER_PROCESSING	Object	ACH transfer sent to the external financial institution.
ORIGINATED_ACH_TRANSFER_PROCESSED	Object	ACH transfer processed and reflected on the financial account.
ORIGINATED_ACH_TRANSFER_FAILED	Object	ACH transfer failed.
ORIGINATED_ACH_TRANSFER_RETURNED	Object	Return received from the external financial institution.
ORIGINATED_ACH_TRANSFER_CANCELED	Object	ACH transfer canceled.

Example payload: ORIGINATED_ACH_TRANSFER_INITIATED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2024-08-26T18:40:34.999Z",
      "expiresAt": "2024-09-25T18:40:34.999Z",
      "id": "NOTIFICATION_EVENT_ID",
      "name": "ORIGINATED_ACH_TRANSFER_INITIATED",
      "node": {
        "__typename": "OriginatedAchTransferInitiatedEvent",
        "createdAt": "2024-08-26T18:40:32.481Z",
        "id": "ACH_TRANSFER_EVENT_ID",
        "transfer": {
          "__typename": "OriginatedAchTransfer",
          "amount": {
            "__typename": "Amount",
            "currencyCode": "USD",
            "decimalPlaces": 2,
            "value": 15000
          },
          "cardProduct": {
            "__typename": "CardProduct",
            "id": "CARD_PRODUCT_ID"
          },
          "companyEntryDescription": "entrydesc",
          "companyIdentifier": "1852922649",
          "companyName": "HIGHNOTEPLATFORM",
          "createdAt": "2024-08-26T18:40:32.481Z",
          "effectiveEntryDate": "2024-08-27",
          "expectedProcessedAt": "2024-08-30T03:00:00.000Z",
          "fromFinancialAccount": {
            "__typename": "ExternalFinancialBankAccount",
            "id": "EXTERNAL_BANK_ACCOUNT_ID"
          },
          "holdStatus": "NO_HOLDS",
          "holdType": "UNSPECIFIED",
          "id": "ELECTRONIC_FUNDS_TRANSFER_ID",
          "individualIdentificationNumber": "id",
          "individualName": "name",
          "paymentRelatedInformation": "Payment for services rendered",
          "purpose": "DEPOSIT",
          "sameDay": true,
          "sign": "POSITIVE",
          "status": "INITIATED",
          "toFinancialAccount": {
            "__typename": "FinancialAccount",
            "id": "FINANCIAL_ACCOUNT_ID"
          },
          "type": "PULL",
          "updatedAt": "2024-08-26T18:40:32.491Z"
        }
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1724697637357
  }
}

Non-originated ACH transfer

Non-originated ACH transfer notifications are triggered when an ACH transfer is initiated from outside the Highnote platform by a third-party. The following notification events are available for non-originated ACH transfers:

Notification Event Name	Event	Description
NON_ORIGINATED_ACH_TRANSFER_RECEIVED	Object	ACH transfer received from an external financial institution.
NON_ORIGINATED_ACH_TRANSFER_PROCESSED	Object	ACH transfer processed.
NON_ORIGINATED_ACH_TRANSFER_FAILED	Object	ACH transfer failed.
NON_ORIGINATED_ACH_TRANSFER_RETURNED	Object	ACH transfer returned.

Example payload: NON_ORIGINATED_ACH_TRANSFER_RECEIVED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2024-08-26T18:41:31.421Z",
      "expiresAt": "2024-09-25T18:41:31.421Z",
      "id": "NOTIFICATION_EVENT_ID",
      "name": "NON_ORIGINATED_ACH_TRANSFER_RECEIVED",
      "node": {
        "__typename": "NonOriginatedAchTransferReceivedEvent",
        "createdAt": "2024-08-26T18:41:29.208Z",
        "id": "ACH_TRANSFER_ID",
        "transfer": {
          "__typename": "NonOriginatedAchTransfer",
          "amount": {
            "__typename": "Amount",
            "currencyCode": "USD",
            "decimalPlaces": 2,
            "value": 30101
          },
          "cardProduct": {
            "__typename": "CardProduct",
            "id": "CARD_PRODUCT_ID"
          },
          "companyEntryDescription": "entrydesc",
          "companyIdentifier": "0123456789",
          "companyName": "HIGHNOTETESTING",
          "createdAt": "2024-08-26T18:41:29.208Z",
          "financialAccount": {
            "__typename": "FinancialAccount",
            "id": "FINANCIAL_ACCOUNT_ID"
          },
          "holdStatus": "NO_HOLDS",
          "holdType": "UNSPECIFIED",
          "id": "ELECTRONIC_FUNDS_TRANSFER_ID",
          "individualIdentificationNumber": "id",
          "individualName": "name",
          "paymentRelatedInformation": "Payment for services rendered",
          "purpose": "DEPOSIT",
          "settlementDate": "2024-08-26",
          "sign": "POSITIVE",
          "status": "RECEIVED",
          "traceNumber": "111111118215827",
          "type": "PUSH",
          "updatedAt": "2024-08-26T18:41:29.554Z"
        }
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1724697692414
  }
}

ACH transfer hold

ACH transfer hold notification events are triggered when a hold is added or removed from an ACH transfer. The following notification events are available for ACH transfer hold events:

Notification Event Name	Event	Description
ACH_TRANSFER_HOLD_ADDED	Object	Hold added to an ACH transfer.
ACH_TRANSFER_HOLD_REMOVED	Object	Hold removed from an ACH transfer.

Example payload: ACH_TRANSFER_HOLD_ADDED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2024-08-26T18:43:47.305Z",
      "expiresAt": "2024-09-25T18:43:47.305Z",
      "id": "NOTIFICATION_EVENT_ID",
      "name": "ACH_TRANSFER_HOLD_ADDED",
      "node": {
        "__typename": "AchTransferHoldAddedEvent",
        "fromHoldStatus": "NO_HOLDS",
        "fromHoldType": "UNSPECIFIED",
        "holdStatusAddedAt": "2024-08-26T18:43:44.415Z",
        "id": "ACH_TRANSFER_ID",
        "transfer": {
          "__typename": "OriginatedAchTransfer",
          "amount": {
            "__typename": "Amount",
            "currencyCode": "USD",
            "decimalPlaces": 2,
            "value": 15000
          },
          "cardProduct": {
            "__typename": "CardProduct",
            "id": "CARD_PRODUCT_ID"
          },
          "companyEntryDescription": "entrydesc",
          "companyIdentifier": "1852922649",
          "companyName": "HIGHNOTEPLATFORM",
          "createdAt": "2024-08-26T18:43:35.151Z",
          "effectiveEntryDate": "2024-08-27",
          "expectedProcessedAt": "2024-08-30T03:00:00.000Z",
          "fromFinancialAccount": {
            "__typename": "ExternalFinancialBankAccount",
            "id": "EXTERNAL_BANK_ACCOUNT_ID"
          },
          "holdStatus": "ON_HOLD",
          "holdType": "RISK",
          "id": "ELECTRONIC_FUNDS_TRANSFER_ID",
          "individualIdentificationNumber": "id",
          "individualName": "name",
          "lastHoldStatusChangedAt": "2024-08-26T18:43:44.415Z",
          "paymentRelatedInformation": "Payment for services rendered",
          "purpose": "DEPOSIT",
          "sameDay": true,
          "sign": "POSITIVE",
          "status": "PENDING",
          "toFinancialAccount": {
            "__typename": "FinancialAccount",
            "id": "FINANCIAL_ACCOUNT_ID"
          },
          "type": "PULL",
          "updatedAt": "2024-08-26T18:43:42.699Z"
        }
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1724697829334
  }
}

Application status

Triggered when a card product application transitions between statuses. Includes account holder and authorized user applications.

Field	Description
applicationState	The status of the application
updatedAt	The time the application status was last updated

Account holder applications

All account holder application events return an AccountHolderCardProductApplication event object.

Notification Event Name	Description
CARD_PRODUCT_APPLICATION_APPROVED	Application approved.
CARD_PRODUCT_APPLICATION_CLOSED	Application closed.
CARD_PRODUCT_APPLICATION_CREDIT_REPORT_FRAUD_ALERT	Application requires account holder to verify identity due to a credit report fraud alert.
CARD_PRODUCT_APPLICATION_CREDIT_REPORT_FREEZE	Application requires account holder to unfreeze their credit bureau report.
CARD_PRODUCT_APPLICATION_DENIED	Application denied.
CARD_PRODUCT_APPLICATION_DOCUMENT_UPLOAD_REQUESTED	Document upload sessions requested for the application.
CARD_PRODUCT_APPLICATION_IDENTITY_UPDATE_REQUESTED	Identity update sessions requested for the application.
CARD_PRODUCT_APPLICATION_MANUAL_REVIEW	Application requires manual review.
CARD_PRODUCT_APPLICATION_OFFER_MANAGEMENT_REQUESTED	Application offers need to be decisioned.
CARD_PRODUCT_APPLICATION_UNDERWRITING_DECISION_REQUESTED	Application requires an underwriting decision.

Example payload: CARD_PRODUCT_APPLICATION_APPROVED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "id": "NOTIFICATION_EVENT_ID",
      "createdAt": "2022-02-23T22:22:03.830Z",
      "name": "CARD_PRODUCT_APPLICATION_APPROVED",
      "node": {
        "__typename": "AccountHolderCardProductApplication",
        "id": "ACCOUNT_HOLDER_CARD_PRODUCT_APPLICATION_ID",
        "createdAt": "2022-02-23T22:21:58.759Z",
        "updatedAt": "2022-02-23T22:22:01.475Z",
        "applicationState": {
          "status": "APPROVED"
        }
      }
    }
  },
  "extensions": {
    "requestId": "b5920a0f-ce66-9b8f-964a-6b5166e88dd2"
  }
}

Example payload: CARD_PRODUCT_APPLICATION_CREDIT_REPORT_FRAUD_ALERT

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "id": "NOTIFICATION_EVENT_ID",
      "createdAt": "2022-02-23T22:22:03.830Z",
      "name": "CARD_PRODUCT_APPLICATION_CREDIT_REPORT_FRAUD_ALERT",
      "node": {
        "__typename": "AccountHolderCardProductApplication",
        "id": "ACCOUNT_HOLDER_CARD_PRODUCT_APPLICATION_ID",
        "createdAt": "2022-02-23T22:21:58.759Z",
        "updatedAt": "2022-02-23T22:22:01.475Z",
        "applicationState": {
          "status": "PENDING"
        }
      }
    }
  },
  "extensions": {
    "requestId": "REQUEST_ID"
  }
}

Example payload: CARD_PRODUCT_APPLICATION_CREDIT_REPORT_FREEZE

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "id": "NOTIFICATION_EVENT_ID",
      "createdAt": "2022-02-23T22:22:03.830Z",
      "name": "CARD_PRODUCT_APPLICATION_CREDIT_REPORT_FREEZE",
      "node": {
        "__typename": "AccountHolderCardProductApplication",
        "id": "ACCOUNT_HOLDER_CARD_PRODUCT_APPLICATION_ID",
        "createdAt": "2022-02-23T22:21:58.759Z",
        "updatedAt": "2022-02-23T22:22:01.475Z",
        "applicationState": {
          "status": "PENDING"
        }
      }
    }
  },
  "extensions": {
    "requestId": "REQUEST_ID"
  }
}

Example payload: CARD_PRODUCT_APPLICATION_DOCUMENT_UPLOAD_REQUESTED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2023-02-08T15:41:56.871Z",
      "name": "CARD_PRODUCT_APPLICATION_DOCUMENT_UPLOAD_REQUESTED",
      "expiresAt": "2023-03-10T15:41:56.873Z",
      "node": {
        "id": "APPLICATION_ID",
        "applicationState": {
          "status": "IN_REVIEW"
        },
        "updatedAt": "2023-02-08T15:41:54.831Z",
        "__typename": "AccountHolderCardProductApplication",
        "createdAt": "2023-02-07T21:27:06.955Z",
        "agentServicingRestrictedDetails": {
          "memo": "Document upload sessions"
        }
      },
      "id": "NOTIFICATION_EVENT_ID"
    }
  },
  "extensions": {
    "signatureTimestamp": 1675871903487
  }
}

Example payload: CARD_PRODUCT_APPLICATION_UNDERWRITING_DECISION_REQUESTED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2022-12-12T16:32:49.125Z",
      "id": "NOTIFICATION_EVENT_ID",
      "name": "CARD_PRODUCT_APPLICATION_UNDERWRITING_DECISION_REQUESTED",
      "node": {
        "__typename": "AccountHolderCardProductApplication",
        "applicationState": {
          "status": "PENDING"
        },
        "createdAt": "2022-12-12T16:32:44.499Z",
        "id": "APPLICATION_ID",
        "updatedAt": "2022-12-12T16:32:44.499Z"
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1670862772620
  }
}

Authorized user applications

All authorized user application events return an AuthorizedUserCardProductApplication event object.

Notification Event Name	Description
AUTHORIZED_USER_CARD_PRODUCT_APPLICATION_APPROVED	Authorized user application approved.
AUTHORIZED_USER_CARD_PRODUCT_APPLICATION_CLOSED	Authorized user application closed.
AUTHORIZED_USER_CARD_PRODUCT_APPLICATION_DENIED	Authorized user application denied.
AUTHORIZED_USER_CARD_PRODUCT_APPLICATION_DOCUMENT_UPLOAD_REQUESTED	Document upload sessions requested for the authorized user application.
AUTHORIZED_USER_CARD_PRODUCT_APPLICATION_MANUAL_REVIEW	Authorized user application requires manual review.
AUTHORIZED_USER_CARD_PRODUCT_APPLICATION_UNDERWRITING_DECISION_REQUESTED	Authorized user application requires an underwriting decision.

Example payload: AUTHORIZED_USER_CARD_PRODUCT_APPLICATION_APPROVED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "id": "NOTIFICATION_EVENT_ID",
      "createdAt": "2022-02-23T22:22:03.830Z",
      "name": "AUTHORIZED_USER_CARD_PRODUCT_APPLICATION_APPROVED",
      "node": {
        "__typename": "AuthorizedUserCardProductApplication",
        "id": "AUTHORIZED_USER_CARD_PRODUCT_APPLICATION_ID",
        "createdAt": "2022-02-23T22:21:58.759Z",
        "updatedAt": "2022-02-23T22:22:01.475Z",
        "applicationState": {
          "status": "APPROVED"
        }
      }
    }
  },
  "extensions": {
    "requestId": "ID"
  }
}

Acquiring card payment

Triggered during the lifecycle of a payment transaction processed through your acquiring integration. These events track authorizations, captures, clearing, settlement, disbursement, reversals, and verifications.

Transaction lifecycle

Notification Event Name	Event	Description
CARD_PAYMENT_AUTHORIZED_EVENT	Object	Payment transaction authorized.
CARD_PAYMENT_AUTHORIZATION_DECLINED_EVENT	Object	Payment transaction authorization declined.
CARD_PAYMENT_INCREMENTAL_AUTHORIZED_EVENT	Object	Incremental authorization approved.
CARD_PAYMENT_INCREMENTAL_AUTHORIZATION_DECLINED_EVENT	Object	Incremental authorization declined.
CARD_PAYMENT_REVERSED_EVENT	Object	Payment transaction reversed.
CARD_PAYMENT_REVERSAL_DECLINED_EVENT	Object	Payment transaction reversal declined.
CARD_PAYMENT_CAPTURING_EVENT	Object	Payment transaction capture initiated.
CARD_PAYMENT_CAPTURE_PROCESSING_EVENT	Object	Payment transaction capture is processing.
CARD_PAYMENT_CAPTURE_DECLINED_EVENT	Object	Payment transaction capture declined.
CARD_PAYMENT_SETTLED_EVENT	Object	Payment transaction settled.
CARD_PAYMENT_CLEARED_EVENT	Object	Payment transaction cleared through the card network.
CARD_PAYMENT_CLEARING_FAILED_EVENT	Object	Payment transaction clearing failed.
CARD_PAYMENT_DISBURSED_EVENT	Object	Settled funds disbursed to the merchant.
CARD_PAYMENT_PAYOUT_EVENT	Object	Payment transaction payout settled and deposited.
PAYOUT_TRANSFER_COMPLETED_EVENT	Object	Payout transfer completed.

Verification

Notification Event Name	Event	Description
CARD_PAYMENT_VERIFIED_EVENT	Object	Card verification transaction approved.
CARD_PAYMENT_VERIFICATION_DECLINED_EVENT	Object	Card verification transaction declined.

Dispute

All acquiring dispute events return a CardPaymentDispute event object.

Notification Event Name	Description
CARD_PAYMENT_DISPUTE_ACTION_REQUIRED	Chargeback initiated against a merchant transaction and needs attention.

Example payload: CARD_PAYMENT_DISPUTE_ACTION_REQUIRED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2026-04-22T16:23:44.690Z",
      "id": "NOTIFICATION_EVENT_ID",
      "name": "CARD_PAYMENT_DISPUTE_ACTION_REQUIRED",
      "node": {
        "__typename": "CardPaymentDispute",
        "id": "CARD_PAYMENT_DISPUTE_ID",
        "cardPaymentDisputeStatus": "IN_REVIEW",
        "category": "FRAUD",
        "networkReason": {
          "code": "10.4",
          "description": "Other Fraud"
        },
        "stages": [
          {
            "__typename": "CardPaymentDisputeChargebackStage",
            "amount": {
              "__typename": "Amount",
              "value": 7500,
              "currencyCode": "USD",
              "decimalPlaces": 2
            },
            "responseDueAt": "2026-05-17T00:00:00.000Z"
          }
        ],
        "transactionEvent": {
          "__typename": "CardPaymentClearedEvent",
          "amount": {
            "__typename": "Amount",
            "value": 10000,
            "currencyCode": "USD",
            "decimalPlaces": 2
          },
          "createdAt": "2026-01-15T00:00:00.000Z",
          "updatedAt": "2026-01-16T00:00:00.000Z",
          "acquirerReferenceNumber": "24445551234567890123456",
          "paymentTransaction": {
            "__typename": "PaymentDebitTransaction",
            "id": "PAYMENT_TRANSACTION_ID"
          }
        },
        "createdAt": "2026-01-15T00:00:00.000Z"
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1745338424690
  }
}

Chargebacks and disputes

Triggered when dispute cases or chargebacks change status, or when provisional or dispute credits are issued or revoked.

Disputes

All dispute events return a PaymentCardTransactionDispute event object.

Notification Event Name	Description
PAYMENT_CARD_TRANSACTION_DISPUTE_CASE_STATUS_INITIATED	Dispute case initiated.
PAYMENT_CARD_TRANSACTION_DISPUTE_CASE_STATUS_RESOLVED_WITH_DISPUTE_CREDIT	Dispute case resolved with dispute credit.
PAYMENT_CARD_TRANSACTION_DISPUTE_CASE_STATUS_CASE_CARDHOLDER_WON	Dispute case resolved in cardholder's favor.
PAYMENT_CARD_TRANSACTION_DISPUTE_CASE_STATUS_CASE_CARDHOLDER_LOST	Dispute case resolved against cardholder.
PAYMENT_CARD_TRANSACTION_DISPUTE_CASE_STATUS_REJECTED	Dispute case rejected.
PAYMENT_CARD_TRANSACTION_DISPUTE_CASE_STATUS_CANCELLED	Dispute case cancelled.
PAYMENT_CARD_TRANSACTION_DISPUTE_PROVISIONAL_CREDIT_ISSUED	Provisional credit issued for a dispute.
PAYMENT_CARD_TRANSACTION_DISPUTE_PROVISIONAL_CREDIT_REVOKED	Provisional credit revoked for a dispute.
PAYMENT_CARD_TRANSACTION_DISPUTE_PROVISIONAL_CREDIT_WON	Provisional credit finalized in cardholder's favor.
PAYMENT_CARD_TRANSACTION_DISPUTE_CREDIT_ISSUED	Dispute credit issued.
PAYMENT_CARD_TRANSACTION_DISPUTE_CREDIT_REVERSED	Dispute credit reversed.

Example payload: PAYMENT_CARD_TRANSACTION_DISPUTE_CASE_STATUS_INITIATED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "",
      "id": "",
      "name": "PAYMENT_CARD_TRANSACTION_DISPUTE_CASE_STATUS_INITIATED",
      "node": {
        "__typename": "PaymentCardTransactionDispute",
        "id": "DISPUTE_CASE_ID",
        "status": "INITIATED",
        "createdAt": "2023-03-23T16:57:43.752Z",
        "updatedAt": "2023-03-23T16:57:43.752Z"
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1666245348543
  }
}

Example payload: PAYMENT_CARD_TRANSACTION_DISPUTE_PROVISIONAL_CREDIT_ISSUED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "",
      "id": "",
      "name": "PAYMENT_CARD_TRANSACTION_DISPUTE_PROVISIONAL_CREDIT_ISSUED",
      "node": {
        "__typename": "PaymentCardTransactionDispute",
        "id": "csmdi_22fbdb3d6590e640fa98056b76b431c87f",
        "status": "IN_PROGRESS",
        "createdAt": "2023-03-23T16:57:43.752Z",
        "updatedAt": "2023-03-23T16:57:43.752Z"
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1666245348543
  }
}

Chargebacks

All chargeback events return a PaymentCardTransactionChargeback event object.

Notification Event Name	Description
PAYMENT_CARD_TRANSACTION_CHARGEBACK_PROVISIONAL_CREDIT_ISSUED	Chargeback provisional credit issued.
PAYMENT_CARD_TRANSACTION_CHARGEBACK_PROVISIONAL_CREDIT_REVOKED	Chargeback provisional credit revoked.

Example payload: PAYMENT_CARD_TRANSACTION_CHARGEBACK_PROVISIONAL_CREDIT_ISSUED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "",
      "id": "",
      "name": "PAYMENT_CARD_TRANSACTION_CHARGEBACK_PROVISIONAL_CREDIT_ISSUED",
      "node": {
        "__typename": "PaymentCardTransactionChargeback",
        "id": "CHARGEBACK_ID",
        "dispute": {
          "id": "DISPUTE_CASE_ID"
        },
        "creditStatus": "PROVISIONAL_CREDIT_ISSUED",
        "status": "RECEIVED",
        "createdAt": "2023-03-23T16:57:43.752Z",
        "updatedAt": "2023-03-23T16:57:43.752Z"
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1666245348543
  }
}

Check payment

Triggered during the lifecycle of a check payment, from funding through shipment, delivery, and completion.

All check payment events return a CheckPaymentEvent event object.

Notification Event Name	Description
CHECK_PAYMENT_EVENT_FUNDING_PENDING	Check payment initiated, pending funding.
CHECK_PAYMENT_EVENT_FUNDING_STARTED	Check funding initiated.
CHECK_PAYMENT_EVENT_FUNDING_COMPLETED	Check funded, pending disbursement.
CHECK_PAYMENT_EVENT_FUNDING_DISBURSED	Check funds disbursed to external accounts.
CHECK_PAYMENT_EVENT_PENDING_PROCESSING_BY_HIGHNOTE	Check pending processing by Highnote.
CHECK_PAYMENT_EVENT_PROCESSING_BY_HIGHNOTE	Check is being processed by Highnote.
CHECK_PAYMENT_EVENT_PROCESSED_BY_HIGHNOTE	Check processed by Highnote.
CHECK_PAYMENT_EVENT_PRINTED	Check printed.
CHECK_PAYMENT_EVENT_PENDING_SHIPMENT	Check printed, pending shipment.
CHECK_PAYMENT_EVENT_SHIPPED	Check shipped.
CHECK_PAYMENT_EVENT_PAID	Check paid out.
CHECK_PAYMENT_EVENT_COMPLETED	Check delivered and cashed or deposited.
CHECK_PAYMENT_EVENT_ON_RISK_HOLD	Check placed on hold for risk assessment.
CHECK_PAYMENT_EVENT_VOIDED	Check voided.
CHECK_PAYMENT_EVENT_FAILED	Check payment failed.
CHECK_PAYMENT_EVENT_REVERSAL_INITIATED	Check reversal initiated due to voiding or failure.
CHECK_PAYMENT_EVENT_REVERSAL_COMPLETED	Check reversal completed.

Collaborative application decisioning

If you use collaborative application decisioning, subscribe to CARD_PRODUCT_APPLICATION_UNDERWRITING_DECISION_REQUESTED to receive applications that need your underwriting decision. This event is listed under Account holder applications and Authorized user applications.

Credit limit

Triggered when a credit limit change request changes status.

Notification Event Name	Event	Description
CREDIT_LIMIT_CHANGE_REQUEST_STATUS_CHANGED	Object	Credit limit change request status changed.

Example payload: INCREASE INITIATED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "id": "NOTIFICATION_EVENT_ID",
      "createdAt": "2024-01-01T00:00:00.000Z",
      "name": "CREDIT_LIMIT_CHANGE_REQUEST_STATUS_CHANGED",
      "node": {
        "__typename": "CreditLimitChangeRequest",
        "id": "CREDIT_LIMIT_CHANGE_REQUEST_ID",
        "createdAt": "2024-01-01T00:00:00.000Z",
        "updatedAt": "2024-01-01T00:00:00.000Z",
        "financialAccountId": "ac_1234",
        "creditLimitChangeRequestType": "INCREASE",
        "creditLimitChangeRequestStatus": "INITIATED",
        "creditLimitChangeRequestFailureReason": null
      }
    }
  },
  "extensions": {
    "requestId": "b5920a0f-ce66-9b8f-964a-6b5166e88dd2"
  }
}

Example payload: INCREASE FAILED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "id": "NOTIFICATION_EVENT_ID",
      "createdAt": "2024-01-01T00:00:00.000Z",
      "name": "CREDIT_LIMIT_CHANGE_REQUEST_STATUS_CHANGED",
      "node": {
        "__typename": "CreditLimitChangeRequest",
        "id": "CREDIT_LIMIT_CHANGE_REQUEST_ID",
        "createdAt": "2024-01-01T00:00:00.000Z",
        "updatedAt": "2024-01-01T00:00:00.000Z",
        "financialAccountId": "ac_1234",
        "creditLimitChangeRequestType": "INCREASE",
        "creditLimitChangeRequestStatus": "FAILED",
        "creditLimitChangeRequestFailureReason": "NSF"
      }
    }
  },
  "extensions": {
    "requestId": "b5920a0f-ce66-9b8f-964a-6b5166e88dd2"
  }
}

Digital wallet token status

Triggered when a card digital wallet token (Apple Pay, Google Wallet) changes status.

Notification Event Name	Event	Description
CARD_DIGITAL_WALLET_TOKEN_ACTIVATED	Object	Digital wallet token activated.
CARD_DIGITAL_WALLET_TOKEN_SUSPENDED	Object	Digital wallet token suspended.
CARD_DIGITAL_WALLET_TOKEN_TERMINATED	Object	Digital wallet token terminated.

Example payload: DIGITAL_WALLET_TOKEN_ACTIVATED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2022-12-12T16:32:49.125Z",
      "id": "NOTIFICATION_EVENT_ID",
      "name": "DIGITAL_WALLET_TOKEN_ACTIVATED",
      "node": {
        "__typename": "CardDigitalWalletTokenEvent",
        "paymentCardId": "PAYMENT_CARD_ID",
        "tokenStatus": "ACTIVE",
        "tokenPreviousStatus": "SUSPENDED",
        "reason": "DEVICE_FOUND"
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1670862772620
  }
}

Document upload

Triggered during the document upload lifecycle, including on-demand document requests.

Notification Event Name	Event	Description
DOCUMENT_UPLOAD_REQUESTED_EVENT	Object	An on-demand document upload session was created. See Request Documents On-Demand.
DOCUMENT_UPLOAD_SESSION_COMPLETE_EVENT	Object	A document upload session moved into a terminal state.
FILE_UPLOAD_COMPLETE_EVENT	Object	A document upload link completed its upload.

External bank account

Triggered when a verified external bank account is added, removed, or fails to link.

Notification Event Name	Event	Description
EXTERNAL_BANK_ACCOUNT_ADDED	Object	Verified external bank account created.
EXTERNAL_BANK_ACCOUNT_REMOVED	Object	Verified external bank account disconnected.
LINK_VERIFIED_EXTERNAL_BANK_ACCOUNT_FAILED	Object	Verified external bank account creation failed.

Example payload: EXTERNAL_BANK_ACCOUNT_REMOVED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2022-11-04T06:53:59.966Z",
      "id": "NOTIFICATION_EVENT_ID",
      "name": "EXTERNAL_BANK_ACCOUNT_REMOVED",
      "node": {
        "__typename": "ExternalBankAccountRemovedEvent",
        "id": "EXTERNAL_BANK_ACCOUNT_REMOVED_EVENT_ID",
        "accountHolderId": "ACCOUNT_HOLDER_ID",
        "accountName": "Plaid Checking",
        "accountStatus": "CLOSED",
        "createdAt": "2022-11-04T06:53:27.627Z",
        "externalBankAccountDetail": {
          "__typename": "ExternalBankAccountDetail",
          "id": "EXTERNAL_BANK_ACCOUNT_ID",
          "createdAt": "2022-11-04T06:53:27.627Z",
          "last4": "9606",
          "routingNumber": "011401533",
          "type": "CHECKING",
          "updatedAt": "2022-11-04T06:53:27.672Z"
        },
        "provider": "SIMULATED",
        "removedAt": "2022-11-04T06:53:58.700Z",
        "updatedAt": "2022-11-04T06:53:58.737Z"
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1667544843895
  }
}

Fee transfer

Triggered when a fee is charged or reversed on a financial account.

Notification Event Name	Event	Description
FEE_CHARGE_EVENT	Object	Fee charged.
FEE_REVERSAL_EVENT	Object	Fee reversed.

Example payload: FEE_CHARGE_EVENT

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "id": "nee_3a298028eb3f6de6f0be97e4d81434f0",
      "name": "FEE_CHARGE_EVENT",
      "createdAt": "2025-06-13T21:46:19.621Z",
      "node": {
        "__typename": "FeeChargeEvent",
        "id": "fxtre_22is001d6b701c5de5e41c7a4a45da724f20c7f",
        "feeActivityType": "VIRTUAL_CARD_REISSUE_FEE",
        "originatingAccount": {
          "__typename": "FinancialAccount",
          "id": "ac_c02293c2e80657be40018f0c05eee6ef62fd"
        },
        "receivingAccount": {
          "__typename": "FinancialAccount",
          "id": "ac_og22d44c3eb6e6f14929954ba278ffcd84ec"
        },
        "status": {
          "__typename": "NonFailureFeeTransferStatus",
          "status": "COMPLETE"
        },
        "transferDate": "2025-06-13T21:46:15.839Z",
        "feeTransferAmount": {
          "currencyCode": "USD",
          "value": 500
        }
      },
      "expiresAt": "2025-07-13T21:46:19.622Z"
    }
  },
  "extensions": {
    "signatureTimestamp": 1749851179952
  }
}

Example payload: FEE_REVERSAL_EVENT

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "id": "nee_e865d0cdd17de956e92a9b3cee8d7fcc",
      "name": "FEE_REVERSAL_EVENT",
      "createdAt": "2025-06-13T21:46:55.921Z",
      "node": {
        "__typename": "FeeReversalEvent",
        "id": "fxtre_22is001a074a8835a9b46a1ab158723d04f8f4a",
        "feeActivityType": "VIRTUAL_CARD_REISSUE_FEE",
        "originatingAccount": {
          "__typename": "FinancialAccount",
          "id": "ac_og22d44c3eb6e6f14929954ba278ffcd84ec"
        },
        "receivingAccount": {
          "__typename": "FinancialAccount",
          "id": "ac_c02293c2e80657be40018f0c05eee6ef62fd"
        },
        "status": {
          "__typename": "NonFailureFeeTransferStatus",
          "status": "COMPLETE"
        },
        "transferDate": "2025-06-13T21:46:53.632Z",
        "feeTransferAmount": {
          "currencyCode": "USD",
          "value": 500
        },
        "sourceFeeTransferEvent": {
          "__typename": "FeeTransferEvent",
          "id": "fxtre_22is001d6b701c5de5e41c7a4a45da724f20c7f"
        }
      },
      "expiresAt": "2025-07-13T21:46:55.921Z"
    }
  },
  "extensions": {
    "signatureTimestamp": 1749851216256
  }
}

Financial account attributes

Triggered when a financial account attribute is added or removed. Attributes indicate account conditions such as delinquency, charge-off, or suspension.

All financial account attribute events return a FinancialAccount event object.

Notification Event Name	Description
FINANCIAL_ACCOUNT_ATTRIBUTE_ADDED_CHARGE_OFF	Charge-off attribute added.
FINANCIAL_ACCOUNT_ATTRIBUTE_REMOVED_CHARGE_OFF	Charge-off attribute removed.
FINANCIAL_ACCOUNT_ATTRIBUTE_ADDED_CLOSED_WITH_BALANCE	Closed with balance attribute added.
FINANCIAL_ACCOUNT_ATTRIBUTE_REMOVED_CLOSED_WITH_BALANCE	Closed with balance attribute removed.
FINANCIAL_ACCOUNT_ATTRIBUTE_ADDED_DELINQUENT	Delinquent attribute added.
FINANCIAL_ACCOUNT_ATTRIBUTE_REMOVED_DELINQUENT	Delinquent attribute removed.
FINANCIAL_ACCOUNT_ATTRIBUTE_ADDED_DELINQUENT_SUSPENDED	Delinquent suspended attribute added.
FINANCIAL_ACCOUNT_ATTRIBUTE_REMOVED_DELINQUENT_SUSPENDED	Delinquent suspended attribute removed.
FINANCIAL_ACCOUNT_ATTRIBUTE_ADDED_PROGRAM_OWNER_INITIATED_SUSPENSION	Program owner initiated suspension attribute added.
FINANCIAL_ACCOUNT_ATTRIBUTE_REMOVED_PROGRAM_OWNER_INITIATED_SUSPENSION	Program owner initiated suspension attribute removed.

Example payload: FINANCIAL_ACCOUNT_ATTRIBUTE_ADDED_DELINQUENT

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2023-02-15T23:34:16.399Z",
      "id": "NOTIFICATION_EVENT_ID",
      "name": "FINANCIAL_ACCOUNT_ATTRIBUTE_ADDED_DELINQUENT",
      "node": {
        "__typename": "FinancialAccount",
        "accountAttributes": ["DELINQUENT"],
        "accountStatus": "ACTIVE",
        "createdAt": "2023-02-15T23:34:03.095Z",
        "externalId": "EXTERNAL_ID",
        "id": "FINANCIAL_ACCOUNT_ID",
        "name": "Test PIF Commercial Credit Account"
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1676504056802
  }
}

Financial account statement

Triggered when a financial account statement is ready or a payment due date is approaching.

Notification Event Name	Event	Description
FINANCIAL_ACCOUNT_STATEMENT_READY	Object	Financial account statement is ready.
UPCOMING_STATEMENT_DUE_DATE	Object	A statement payment due date is approaching.

Example payload: FINANCIAL_ACCOUNT_STATEMENT_READY

{
  "data": {
    "node": {
      "__typename": "FinancialAccountStatementReadyEvent",
      "id": "STATEMENT_ID",
      "financialAccountId": "ACCOUNT_ID",
      "createdAt": "2024-06-06T12:34:56.789Z"
    }
  },
  "extensions": {
    "signatureTimestamp": 1727990400000
  }
}

Example payload: UPCOMING_STATEMENT_DUE_DATE

{
  "data": {
    "node": {
      "__typename": "UpcomingStatementDueDateEvent",
      "createdAt": "2026-04-25T08:00:00.000Z",
      "financialAccount": {
        "__typename": "FinancialAccount",
        "id": "<FINANCIAL_ACCOUNT_ID>"
      },
      "numberOfDaysUntilDueDate": 5,
      "paymentDueDayOfMonth": 15,
      "upcomingStatementDueDate": "2026-04-30T00:00:00.000Z"
    }
  },
  "extensions": {
    "signatureTimestamp": 1777104000000
  }
}

Financial account status

Triggered when a financial account transitions between statuses.

Notification Event Name	Event	Description
ACCOUNT_STATUS_ACTIVE	Object	Financial account entered ACTIVE status.
ACCOUNT_STATUS_CLOSED	Object	Financial account has been closed.
ACCOUNT_STATUS_PENDING_CLOSURE	Object	Financial account entered PENDING_CLOSURE status.
ACCOUNT_STATUS_SUSPENDED	Object	Financial account entered SUSPENDED status.
ACCOUNT_STATUS_UNDER_REVIEW	Object	Financial account entered UNDER_REVIEW status.

Example payload: ACCOUNT_STATUS_SUSPENDED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2022-10-20T05:55:45.841Z",
      "id": "nee_6f9f952070c8d0a6c446e3764bc905e3",
      "name": "ACCOUNT_STATUS_SUSPENDED",
      "node": {
        "__typename": "AccountStatusSuspendedEvent",
        "accountName": "My Sample Account",
        "createdAt": "2022-10-20T05:55:40.505Z",
        "externalId": "D5LDSYLPMR",
        "id": "ac_c022c3165221cf7546ca9db0ccd480831234"
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1666245348543
  }
}

Identity documents and updates

Triggered when identity verification documents are requested or identity information is updated for account holders, authorized persons, or beneficial owners.

Notification Event Name	Event	Description
BUSINESS_ACCOUNT_HOLDER_IDENTITY_DOCUMENTS_REQUESTED	Object	Identity documents requested for a business account holder.
BUSINESS_ACCOUNT_HOLDER_IDENTITY_UPDATED	Object	Business account holder identity updated.
BUSINESS_AUTHORIZED_PERSON_IDENTITY_DOCUMENTS_REQUESTED	Object	Identity documents requested for an authorized person.
BUSINESS_AUTHORIZED_PERSON_IDENTITY_UPDATED	Object	Authorized person identity updated.
BUSINESS_ULTIMATE_BENEFICIAL_OWNER_IDENTITY_DOCUMENTS_REQUESTED	Object	Identity documents requested for an ultimate beneficial owner.
BUSINESS_ULTIMATE_BENEFICIAL_OWNER_IDENTITY_UPDATED	Object	Ultimate beneficial owner identity updated.
PERSON_ACCOUNT_HOLDER_IDENTITY_DOCUMENTS_REQUESTED	Object	Identity documents requested for a person account holder.
PERSON_ACCOUNT_HOLDER_IDENTITY_UPDATED	Object	Person account holder identity updated.

Example payload: PERSON_ACCOUNT_HOLDER_IDENTITY_DOCUMENTS_REQUESTED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2024-07-03T17:41:20.785Z",
      "expiresAt": "2024-08-02T17:41:20.785Z",
      "id": "NOTIFICATION_EVENT_ID",
      "name": "PERSON_ACCOUNT_HOLDER_IDENTITY_DOCUMENTS_REQUESTED",
      "node": {
        "createdAt": "2024-07-03T17:41:16.559Z",
        "documentUploadSession": {
          "__typename": "IdentityVerificationDocumentUploadSession",
          "id": "DOCUMENT_UPLOAD_SESSION_ID"
        },
        "personAccountHolder": {
          "__typename": "USPersonAccountHolder",
          "id": "PERSON_ACCOUNT_HOLDER"
        },
        "reason": "CIP_VERIFICATION"
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1720028482632
  }
}

Example payload: PERSON_ACCOUNT_HOLDER_IDENTITY_UPDATED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2024-05-15T19:37:00.917Z",
      "expiresAt": "2024-06-14T19:37:00.917Z",
      "id": "NOTIFICATION_EVENT_ID",
      "name": "PERSON_ACCOUNT_HOLDER_IDENTITY_UPDATED",
      "node": {
        "__typename": "PersonAccountHolderIdentityUpdatedEvent",
        "createdAt": "2024-05-15T19:36:59.225Z",
        "personAccountHolder": {
          "__typename": "USPersonAccountHolder",
          "id": "ACCOUNT_HOLDER_ID"
        },
        "updateTypes": ["FULL_LEGAL_NAME"]
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1715801821319
  }
}

Instant network transfer

Instant Network Transfers (INTs) are implemented through Highnote's Unified Funds Transfer (UFT) framework. Instant Network Transfers use the UnifiedFundsTransfer API object to handle the technical processing of these card-to-card transactions. For events triggered during the lifecycle of a transfer itself, see Unified funds transfer below.

Capabilities

The events in this section are triggered when an Instant Network Transfer (INT) capability on a PaymentMethodToken changes status. INT capabilities determine whether a tokenized payment card can act as the destination of a push or the source of a pull. Highnote sends one notification per capability status change.

For conceptual information, see Capabilities in the Instant Network Transfer docs.

Notification Event Name	Event	Description
PAYMENT_METHOD_CAPABILITY_STATUS_ENABLED_EVENT	Object	INT capability moved to ENABLED.
PAYMENT_METHOD_CAPABILITY_STATUS_DISABLED_EVENT	Object	INT capability moved to DISABLED.
PAYMENT_METHOD_CAPABILITY_STATUS_REQUIRES_REVIEW_EVENT	Object	INT capability moved to REQUIRES_REVIEW. The card requires manual review by Highnote's Operations team before it can be used.
PAYMENT_METHOD_CAPABILITY_STATUS_REVIEWED_EVENT	Object	INT capability previously in REQUIRES_REVIEW was reviewed. Inspect capability.status for the outcome (ENABLED or DISABLED).

Destination vs source capabilities

Because the capability field returns a PaymentCardInstrumentCapability union, inspect __typename to distinguish the destination capability from the source capability:

• ...DestinationPaymentInstrumentCapability — the card can receive funds (push / OCT).
• ...SourcePaymentInstrumentCapability — the card can send funds (pull / AFT).

Status alias

Both members expose the same fields, including status and verificationPaymentTransaction. Highnote's webhook delivery aliases status per member — destinationStatus for destination capabilities, sourceStatus for source capabilities — so your handler receives a flat shape and can tell the two directions apart by key. The example payloads below reflect this delivery shape.

If you query a NotificationEvent directly via the GraphQL API rather than receive it via webhook, aliasing is your choice. The query below shows the same pattern:

... on PaymentMethodCapabilityEnabledEvent {
  paymentMethodToken { id }
  capability {
    __typename
    ... on InstantNetworkTransferDestinationPaymentInstrumentCapability {
      destinationStatus: status
      createdAt
      updatedAt
    }
    ... on InstantNetworkTransferSourcePaymentInstrumentCapability {
      sourceStatus: status
      createdAt
      updatedAt
    }
  }
}

Payloads

The example payloads below reflect the actual webhook delivery shape, with status aliased per direction.

Example payload: PAYMENT_METHOD_CAPABILITY_STATUS_ENABLED_EVENT (destination)

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "id": "nee_95af6a7374d43747ebe5cd8297d283ac",
      "name": "PAYMENT_METHOD_CAPABILITY_STATUS_ENABLED_EVENT",
      "createdAt": "2026-05-01T23:30:38.222Z",
      "node": {
        "__typename": "PaymentMethodCapabilityEnabledEvent",
        "paymentMethodToken": {
          "__typename": "PaymentMethodToken",
          "id": "<PAYMENT_METHOD_TOKEN_ID>"
        },
        "capability": {
          "__typename": "InstantNetworkTransferDestinationPaymentInstrumentCapability",
          "destinationStatus": "ENABLED",
          "createdAt": "2026-05-01T23:30:10.716Z",
          "updatedAt": "2026-05-01T23:30:10.716Z"
        }
      },
      "expiresAt": "2026-06-30T23:30:38.222Z"
    }
  },
  "extensions": {
    "signatureTimestamp": 1777678238603
  }
}

Example payload: PAYMENT_METHOD_CAPABILITY_STATUS_ENABLED_EVENT (source)

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "id": "nee_389e720d1981622bb381d23f87b52c48",
      "name": "PAYMENT_METHOD_CAPABILITY_STATUS_ENABLED_EVENT",
      "createdAt": "2026-04-28T20:07:17.278Z",
      "node": {
        "__typename": "PaymentMethodCapabilityEnabledEvent",
        "paymentMethodToken": {
          "__typename": "PaymentMethodToken",
          "id": "<PAYMENT_METHOD_TOKEN_ID>"
        },
        "capability": {
          "__typename": "InstantNetworkTransferSourcePaymentInstrumentCapability",
          "sourceStatus": "ENABLED",
          "createdAt": "2026-04-28T20:06:52.361Z",
          "updatedAt": "2026-04-28T20:06:52.361Z"
        }
      },
      "expiresAt": "2026-05-28T20:07:17.286Z"
    }
  },
  "extensions": {
    "signatureTimestamp": 1777406839540
  }
}

Example payload: PAYMENT_METHOD_CAPABILITY_STATUS_DISABLED_EVENT (destination)

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "id": "nee_bb611b55ff7e7b300e74de823e55e5f1",
      "name": "PAYMENT_METHOD_CAPABILITY_STATUS_DISABLED_EVENT",
      "createdAt": "2026-04-28T20:07:17.280Z",
      "node": {
        "__typename": "PaymentMethodCapabilityDisabledEvent",
        "paymentMethodToken": {
          "__typename": "PaymentMethodToken",
          "id": "<PAYMENT_METHOD_TOKEN_ID>"
        },
        "capability": {
          "__typename": "InstantNetworkTransferDestinationPaymentInstrumentCapability",
          "destinationStatus": "DISABLED",
          "createdAt": "2026-04-28T20:06:52.355Z",
          "updatedAt": "2026-04-28T20:06:52.355Z"
        }
      },
      "expiresAt": "2026-05-28T20:07:17.286Z"
    }
  },
  "extensions": {
    "signatureTimestamp": 1777406839538
  }
}

Example payload: PAYMENT_METHOD_CAPABILITY_STATUS_DISABLED_EVENT (source)

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "id": "nee_87dcbf565a05d631e9ff2814547e7670",
      "name": "PAYMENT_METHOD_CAPABILITY_STATUS_DISABLED_EVENT",
      "createdAt": "2026-04-28T20:10:20.420Z",
      "node": {
        "__typename": "PaymentMethodCapabilityDisabledEvent",
        "paymentMethodToken": {
          "__typename": "PaymentMethodToken",
          "id": "<PAYMENT_METHOD_TOKEN_ID>"
        },
        "capability": {
          "__typename": "InstantNetworkTransferSourcePaymentInstrumentCapability",
          "sourceStatus": "DISABLED",
          "createdAt": "2026-04-28T20:09:53.046Z",
          "updatedAt": "2026-04-28T20:09:53.046Z"
        }
      },
      "expiresAt": "2026-05-28T20:10:20.423Z"
    }
  },
  "extensions": {
    "signatureTimestamp": 1777407021225
  }
}

Example payload: PAYMENT_METHOD_CAPABILITY_STATUS_REQUIRES_REVIEW_EVENT (destination)

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "id": "nee_c9f710caa3f06ccbbc6605199beae107",
      "name": "PAYMENT_METHOD_CAPABILITY_STATUS_REQUIRES_REVIEW_EVENT",
      "createdAt": "2026-05-01T23:25:54.519Z",
      "node": {
        "__typename": "PaymentMethodCapabilityRequiresReviewEvent",
        "paymentMethodToken": {
          "__typename": "PaymentMethodToken",
          "id": "<PAYMENT_METHOD_TOKEN_ID>"
        },
        "capability": {
          "__typename": "InstantNetworkTransferDestinationPaymentInstrumentCapability",
          "destinationStatus": "REQUIRES_REVIEW",
          "createdAt": "2026-05-01T23:25:29.543Z",
          "updatedAt": "2026-05-01T23:25:29.543Z"
        }
      },
      "expiresAt": "2026-06-30T23:25:54.521Z"
    }
  },
  "extensions": {
    "signatureTimestamp": 1777677955151
  }
}

Example payload: PAYMENT_METHOD_CAPABILITY_STATUS_REQUIRES_REVIEW_EVENT (source)

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "id": "nee_9cf52cfa08f87311aa1516f676fd00d2",
      "name": "PAYMENT_METHOD_CAPABILITY_STATUS_REQUIRES_REVIEW_EVENT",
      "createdAt": "2026-05-01T23:25:54.521Z",
      "node": {
        "__typename": "PaymentMethodCapabilityRequiresReviewEvent",
        "paymentMethodToken": {
          "__typename": "PaymentMethodToken",
          "id": "<PAYMENT_METHOD_TOKEN_ID>"
        },
        "capability": {
          "__typename": "InstantNetworkTransferSourcePaymentInstrumentCapability",
          "sourceStatus": "REQUIRES_REVIEW",
          "createdAt": "2026-05-01T23:25:29.585Z",
          "updatedAt": "2026-05-01T23:25:29.585Z"
        }
      },
      "expiresAt": "2026-06-30T23:25:54.521Z"
    }
  },
  "extensions": {
    "signatureTimestamp": 1777677955071
  }
}

Example payload: PAYMENT_METHOD_CAPABILITY_STATUS_REVIEWED_EVENT (destination, enabled)

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "id": "nee_af2a043cc3e76d3696a698df96bc8ffd",
      "name": "PAYMENT_METHOD_CAPABILITY_STATUS_REVIEWED_EVENT",
      "createdAt": "2026-05-01T23:27:05.245Z",
      "node": {
        "__typename": "PaymentMethodCapabilityReviewedEvent",
        "paymentMethodToken": {
          "__typename": "PaymentMethodToken",
          "id": "<PAYMENT_METHOD_TOKEN_ID>"
        },
        "capability": {
          "__typename": "InstantNetworkTransferDestinationPaymentInstrumentCapability",
          "destinationStatus": "ENABLED",
          "createdAt": "2026-05-01T23:26:48.671Z",
          "updatedAt": "2026-05-01T23:26:48.671Z"
        }
      },
      "expiresAt": "2026-06-30T23:27:05.245Z"
    }
  },
  "extensions": {
    "signatureTimestamp": 1777678025698
  }
}

Example payload: PAYMENT_METHOD_CAPABILITY_STATUS_REVIEWED_EVENT (source, enabled)

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "id": "nee_ab62a5ef1139944f019ff2e3ebd70316",
      "name": "PAYMENT_METHOD_CAPABILITY_STATUS_REVIEWED_EVENT",
      "createdAt": "2026-05-01T23:27:05.269Z",
      "node": {
        "__typename": "PaymentMethodCapabilityReviewedEvent",
        "paymentMethodToken": {
          "__typename": "PaymentMethodToken",
          "id": "<PAYMENT_METHOD_TOKEN_ID>"
        },
        "capability": {
          "__typename": "InstantNetworkTransferSourcePaymentInstrumentCapability",
          "sourceStatus": "ENABLED",
          "createdAt": "2026-05-01T23:26:48.984Z",
          "updatedAt": "2026-05-01T23:26:48.984Z"
        }
      },
      "expiresAt": "2026-06-30T23:27:05.269Z"
    }
  },
  "extensions": {
    "signatureTimestamp": 1777678025776
  }
}

Example payload: PAYMENT_METHOD_CAPABILITY_STATUS_REVIEWED_EVENT (destination, disabled)

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "id": "nee_fd34948b7c1d6a4a3624e8e50cad4c7c",
      "name": "PAYMENT_METHOD_CAPABILITY_STATUS_REVIEWED_EVENT",
      "createdAt": "2026-05-01T23:29:07.261Z",
      "node": {
        "__typename": "PaymentMethodCapabilityReviewedEvent",
        "paymentMethodToken": {
          "__typename": "PaymentMethodToken",
          "id": "<PAYMENT_METHOD_TOKEN_ID>"
        },
        "capability": {
          "__typename": "InstantNetworkTransferDestinationPaymentInstrumentCapability",
          "destinationStatus": "DISABLED",
          "createdAt": "2026-05-01T23:28:48.654Z",
          "updatedAt": "2026-05-01T23:28:48.654Z"
        }
      },
      "expiresAt": "2026-06-30T23:29:07.261Z"
    }
  },
  "extensions": {
    "signatureTimestamp": 1777678147616
  }
}

Example payload: PAYMENT_METHOD_CAPABILITY_STATUS_REVIEWED_EVENT (source, disabled)

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "id": "nee_22792b0c309843a2f69fe78703baf379",
      "name": "PAYMENT_METHOD_CAPABILITY_STATUS_REVIEWED_EVENT",
      "createdAt": "2026-05-01T23:29:07.292Z",
      "node": {
        "__typename": "PaymentMethodCapabilityReviewedEvent",
        "paymentMethodToken": {
          "__typename": "PaymentMethodToken",
          "id": "<PAYMENT_METHOD_TOKEN_ID>"
        },
        "capability": {
          "__typename": "InstantNetworkTransferSourcePaymentInstrumentCapability",
          "sourceStatus": "DISABLED",
          "createdAt": "2026-05-01T23:28:48.846Z",
          "updatedAt": "2026-05-01T23:28:48.846Z"
        }
      },
      "expiresAt": "2026-06-30T23:29:07.292Z"
    }
  },
  "extensions": {
    "signatureTimestamp": 1777678147772
  }
}

Internal transfer

Triggered when funds are transferred between Highnote financial accounts.

Field	Description
memo	A description of the transfer for reference; input provided from your organization
internalTransferStatus	The current status of the internal transfer

Between financial accounts

All events return an InterFinancialAccountTransfer event object.

Notification Event Name, description, and event object
INTERNAL_TRANSFER_BETWEEN_FINANCIAL_ACCOUNTS_PENDING Internal transfer between financial accounts pending.
INTERNAL_TRANSFER_BETWEEN_FINANCIAL_ACCOUNTS_COMPLETED Internal transfer between financial accounts completed.
INTERNAL_TRANSFER_BETWEEN_FINANCIAL_ACCOUNTS_FAILED Internal transfer between financial accounts failed.

From funding account to payment card account

Notification Event Name, description, and event object
INTERNAL_TRANSFER_FROM_FUNDING_FINANCIAL_ACCOUNT_TO_PAYMENT_CARD_FINANCIAL_ACCOUNT_PENDING Transfer from funding account to payment card account pending. Event object
INTERNAL_TRANSFER_FROM_FUNDING_FINANCIAL_ACCOUNT_TO_PAYMENT_CARD_FINANCIAL_ACCOUNT_COMPLETED Transfer from funding account to payment card account completed. Event object
INTERNAL_TRANSFER_FROM_FUNDING_FINANCIAL_ACCOUNT_TO_PAYMENT_CARD_FINANCIAL_ACCOUNT_FAILED Transfer from funding account to payment card account failed. Event object

From payment card account to funding account

Notification Event Name, description, and event object
INTERNAL_TRANSFER_FROM_PAYMENT_CARD_FINANCIAL_ACCOUNT_TO_FUNDING_FINANCIAL_ACCOUNT_PENDING Transfer from payment card account to funding account pending. Event object
INTERNAL_TRANSFER_FROM_PAYMENT_CARD_FINANCIAL_ACCOUNT_TO_FUNDING_FINANCIAL_ACCOUNT_COMPLETED Transfer from payment card account to funding account completed. Event object
INTERNAL_TRANSFER_FROM_PAYMENT_CARD_FINANCIAL_ACCOUNT_TO_FUNDING_FINANCIAL_ACCOUNT_FAILED Transfer from payment card account to funding account failed. Event object

Example payload: INTERNAL_TRANSFER_BETWEEN_FINANCIAL_ACCOUNTS_PENDING

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2023-02-15T23:34:16.399Z",
      "id": "nee_8b35c7332637359ee998cbd35ee10923",
      "name": "INTERNAL_TRANSFER_BETWEEN_FINANCIAL_ACCOUNTS_PENDING",
      "node": {
        "__typename": "InterFinancialAccountTransfer",
        "id": "ia_229d0fc1823ba64d8e9539ea160a93f00e",
        "toFinancialAccount": {
          "id": "ac_c022126bc2bb629545a988564e267d8982a5",
          "name": "To Account",
          "createdAt": "2023-07-19T20:45:23.091Z",
          "updatedAt": "2023-07-19T20:45:23.114Z",
          "externalId": "8UMLNCAKPJ",
          "accountAttributes": [],
          "accountStatus": "ACTIVE"
        },
        "fromFinancialAccount": {
          "id": "ac_og226c09fff75b35495a932bc5ee92b722ad",
          "name": "From Account",
          "createdAt": "2023-07-19T20:44:35.110Z",
          "updatedAt": "2023-07-19T20:44:35.128Z",
          "externalId": "LBA3ME6QXF",
          "accountAttributes": [],
          "accountStatus": "ACTIVE"
        },
        "amount": {
          "currencyCode": "USD",
          "value": 1000
        },
        "statusReason": null,
        "memo": "",
        "purpose": null,
        "transferActivityType": "SET_LIMIT",
        "createdAt": "2023-07-19T20:50:21.485Z",
        "updatedAt": "2023-07-19T20:50:21.486Z"
      }
    }
  }
}

Example payload: INTERNAL_TRANSFER_FROM_FUNDING_FINANCIAL_ACCOUNT_ TO_PAYMENT_CARD_FINANCIAL_ACCOUNT_PENDING

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2022-08-22T20:11:36.337Z",
      "id": "nee_8521b5febf49f4b19d7deb01dc0b5539",
      "name": "INTERNAL_TRANSFER_FROM_FUNDING_FINANCIAL_ACCOUNT_TO_PAYMENT_CARD_FINANCIAL_ACCOUNT_PENDING",
      "node": {
        "__typename": "InternalTransferFromFundingFinancialAccountToPaymentCardFinancialAccountPendingEvent",
        "amount": {
          "currencyCode": "USD",
          "value": 500000,
          "decimalPlaces": 2
        },
        "createdAt": "2022-08-22T20:11:32.302Z",
        "id": "ia_22dab11a1e0df343a89f7ecb53096bd32e",
        "internalTransferStatus": "PENDING",
        "updatedAt": "2022-08-22T20:11:32.302Z"
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1661199096776
  }
}

Example payload: INTERNAL_TRANSFER_FROM_PAYMENT_CARD_FINANCIAL_ACCOUNT_ TO_FUNDING_FINANCIAL_ACCOUNT_PENDING

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2022-08-19T23:11:53.132Z",
      "id": "nee_49f8c163f4f8a2c47fe702f02fcbbf52",
      "name": "INTERNAL_TRANSFER_FROM_PAYMENT_CARD_FINANCIAL_ACCOUNT_TO_FUNDING_FINANCIAL_ACCOUNT_PENDING",
      "node": {
        "__typename": "InternalTransferFromPaymentCardFinancialAccountToFundingFinancialAccountPendingEvent",
        "amount": {
          "currencyCode": "USD",
          "value": 350000,
          "decimalPlaces": 2
        },
        "createdAt": "2022-08-19T23:11:51.931Z",
        "id": "ia_22e017a985a3034683aa55cef491902791",
        "internalTransferStatus": "PENDING",
        "updatedAt": "2022-08-19T23:11:51.931Z"
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1660950715339
  }
}

Notification system

Triggered when a notification target is activated.

Notification Event Name	Event	Description
NOTIFICATION_ACTIVATION	Object	Notification target activated. This event is automatically delivered and cannot be unsubscribed.
NOTIFICATION_EVENT_VALIDATION_TEST	Object	Sent when the initiateEventValidationTest mutation is called.
NOTIFICATION_PING_TEST	Object	Sent when the initiateNotificationPingTest mutation is called.

Example payload: NOTIFICATION_ACTIVATION

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2022-10-21T19:14:46.664Z",
      "id": "nee_b0f306cc171b44ef89223ca68a0da569",
      "name": "NOTIFICATION_ACTIVATION",
      "node": {
        "__typename": "NotificationTargetActivationEvent",
        "ping": "pong"
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1666379691368
  }
}

Payment card

Triggered when a payment card changes status or when card transaction events occur (issuing side).

Card status

Notification Event Name	Event	Description
PAYMENT_CARD_ISSUED	Object	Payment card issued.
PAYMENT_CARD_ACTIVATED	Object	Payment card activated.
PAYMENT_CARD_SUSPENDED	Object	Payment card suspended.
PAYMENT_CARD_UNSUSPENDED	Object	Payment card unsuspended.
PAYMENT_CARD_CLOSED	Object	Payment card closed.

Example payload: PAYMENT_CARD_ACTIVATED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2021-12-02T18:12:13.408Z",
      "id": "NOTIFICATION_EVENT_ID",
      "name": "PAYMENT_CARD_ACTIVATED",
      "node": {
        "__typename": "PaymentCardActivatedEvent",
        "id": "PAYMENT_CARD_EVENT_ID",
        "bin": "510510",
        "cardProductId": "CARD_PRODUCT_ID",
        "expirationDate": "Sat Jan 01 08:00:00 UTC 2022",
        "formFactor": "VIRTUAL",
        "last4": "5100",
        "network": "MASTERCARD",
        "status": "ACTIVE",
        "previousStatus": "ACTIVATION_REQUIRED",
        "updatedAt": "2021-12-02T18:12:13.408Z"
      }
    }
  },
  "extensions": { "signatureTimestamp": 1638843592782 }
}

Card transactions (issuing)

Notification Event Name	Event	Description
PAYMENT_CARD_AUTHORIZATION_APPROVED	Object	Card authorization approved.
PAYMENT_CARD_AUTHORIZATION_DECLINED	Object	Card authorization declined.
PAYMENT_CARD_AUTHORIZATION_AND_CLEAR_APPROVED	Object	Card authorization and clear approved (single message).
PAYMENT_CARD_AUTHORIZATION_AND_CLEAR_DECLINED	Object	Card authorization and clear declined (single message).
PAYMENT_CARD_AUTHORIZATION_REVERSED	Object	Card authorization reversed.
PAYMENT_CARD_CLEARED	Object	Card transaction cleared.
PAYMENT_CARD_ADJUSTMENT	Object	Card transaction adjusted.
PAYMENT_CARD_ENHANCED_DATA_RECEIVED	Object	Enhanced transaction data received (Level 2/3).
PAYMENT_CARD_VERIFICATION_APPROVED	Object	Card verification approved.
PAYMENT_CARD_VERIFICATION_DECLINED	Object	Card verification declined.

Surcharge fees

Authorization events include a fees: [TransactionFee!] array that surfaces fees applied to the transaction. Each entry has requestedFeeAmount, approvedFeeAmount, and transactionFeeType. The current transactionFeeType value is SURCHARGE, used for ATM network charges on cash withdrawals or balance inquiries.

You can find the following fees array in the PAYMENT_CARD_AUTHORIZATION_AND_CLEAR_APPROVED example below.

        "fees": [
          {
            "requestedFeeAmount": {
              "currencyCode": "USD",
              "value": 250,
              "decimalPlaces": 2
            },
            "approvedFeeAmount": {
              "currencyCode": "USD",
              "value": 250,
              "decimalPlaces": 2
            },
            "transactionFeeType": "SURCHARGE"
          }
        ],

Example payload: PAYMENT_CARD_AUTHORIZATION_APPROVED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2024-02-14T19:40:27.635Z",
      "expiresAt": "2024-03-15T19:40:27.642Z",
      "id": "nee_f7bf7cd4faa05f091801c288de8a1c30",
      "name": "PAYMENT_CARD_AUTHORIZATION_APPROVED",
      "node": {
        "__typename": "PaymentCardAuthorizationApprovedEvent",
        "accountHolderId": "ACCOUNT_HOLDER_ID",
        "additionalNetworkData": {
          "__typename": "VisaData",
          "transactionIdentifier": "38082a7f771345ce989e4574ff3252e4"
        },
        "approvedAmount": {
          "currencyCode": "USD",
          "value": 15000,
          "decimalPlaces": 2
        },
        "avsResponseCode": "NOT_PROVIDED",
        "cardId": "PAYMENT_CARD_ID",
        "createdAt": "2024-02-14T19:40:22.954Z",
        "currentFinancialAccountAvailableToSpendAmount": {
          "currencyCode": "USD",
          "value": 49925000,
          "decimalPlaces": 2
        },
        "currentFinancialAccountMaximumBalanceAmount": {
          "currencyCode": "USD",
          "value": 50000000,
          "decimalPlaces": 2
        },
        "cvvResponseCode": "MATCH",
        "financialAccountId": "FINANCIAL_ACCOUNT_ID",
        "id": "TRANSACTION_EVENT_ID",
        "merchantDetails": {
          "address": {
            "countryCodeAlpha3": "USA",
            "locality": "San Francisco",
            "postalCode": "94105",
            "region": "CA"
          },
          "category": "AUTOMATED_FUEL_DISPENSERS",
          "categoryCode": "5542",
          "countryCodeAlpha3": "USA",
          "description": "KWIK TRIP 123456",
          "merchantId": "MERCHANT_ID",
          "name": "My Awesome Fuel"
        },
        "partial": true,
        "paymentCardSnapshot": {
          "createdAt": "2024-02-14T19:40:22.954Z",
          "paymentCardCurrent": {
            "id": "PAYMENT_CARD_ID"
          },
          "status": "ACTIVE"
        },
        "pointOfServiceDetails": {
          "category": "AUTOMATED_FUEL_DISPENSER",
          "isCardHolderPresent": true,
          "isCardPresent": true,
          "isRecurring": false,
          "panEntryMode": "MAGNETIC_STRIPE",
          "pinEntryMode": "PIN_ENTRY_CAPABILITY",
          "terminalAttendance": "ATTENDED",
          "terminalSupportsPartialApproval": true
        },
        "postalCodeResponseCode": "NOT_PROVIDED",
        "requestedAmount": {
          "currencyCode": "USD",
          "value": 100,
          "decimalPlaces": 2
        },
        "responseCode": "APPROVED_FOR_PARTIAL_AMOUNT",
        "transactionId": "TRANSACTION_ID",
        "transactionProcessingType": "GOODS_AND_SERVICES"
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1707939629312
  }
}

Example payload: PAYMENT_CARD_AUTHORIZATION_AND_CLEAR_APPROVED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2024-02-14T19:45:09.082Z",
      "expiresAt": "2024-03-15T19:45:09.082Z",
      "id": "NOTIFICATION_EVENT_ID",
      "name": "PAYMENT_CARD_AUTHORIZATION_AND_CLEAR_APPROVED",
      "node": {
        "__typename": "PaymentCardAuthorizationAndClearApprovedEvent",
        "accountHolderId": "ACCOUNT_HOLDER_ID",
        "additionalNetworkData": {
          "__typename": "VisaData",
          "transactionIdentifier": "a72be1cc26ea444697b8fa171f6bab6f"
        },
        "approvedAmount": {
          "currencyCode": "USD",
          "value": 1000,
          "decimalPlaces": 2
        },
        "avsResponseCode": "NOT_PROVIDED",
        "cardId": "PAYMENT_CARD_ID",
        "createdAt": "2024-02-14T19:45:04.386Z",
        "currentFinancialAccountAvailableToSpendAmount": {
          "currencyCode": "USD",
          "value": 49930000,
          "decimalPlaces": 2
        },
        "currentFinancialAccountMaximumBalanceAmount": {
          "currencyCode": "USD",
          "value": 50000000,
          "decimalPlaces": 2
        },
        "cvvResponseCode": "NOT_PROVIDED",
        "financialAccountId": "FINANCIAL_ACCOUNT_ID",
        "id": "TRANSACTION_EVENT_ID",
        "merchantDetails": {
          "address": {
            "countryCodeAlpha3": "USA",
            "locality": "Redmond",
            "postalCode": "98053",
            "region": "WA"
          },
          "category": "AUTOMATED_CASH_DISBURSE",
          "categoryCode": "6011",
          "countryCodeAlpha3": "USA",
          "description": "HIGHNOTE SF CA US 1234",
          "merchantId": "1234567890",
          "name": "HIGHNOTE_PLATFORM 1234"
        },
        "paymentCardSnapshot": {
          "createdAt": "2024-02-14T19:45:04.386Z",
          "paymentCardCurrent": {
            "id": "PAYMENT_CARD_ID"
          },
          "status": "ACTIVE"
        },
        "pointOfServiceDetails": {
          "category": "AUTOMATED_TELLER_MACHINE",
          "isCardHolderPresent": true,
          "isCardPresent": true,
          "isRecurring": false,
          "panEntryMode": "INTEGRATED_CIRCUIT_CARD",
          "pinEntryMode": "PIN_VERIFIED_BY_TERMINAL_DEVICE",
          "terminalAttendance": "UNATTENDED",
          "terminalSupportsPartialApproval": false
        },
        "postalCodeResponseCode": "NOT_PROVIDED",
        "requestedAmount": {
          "currencyCode": "USD",
          "value": 1000,
          "decimalPlaces": 2
        },
        "fees": [
          {
            "requestedFeeAmount": {
              "currencyCode": "USD",
              "value": 250,
              "decimalPlaces": 2
            },
            "approvedFeeAmount": {
              "currencyCode": "USD",
              "value": 250,
              "decimalPlaces": 2
            },
            "transactionFeeType": "SURCHARGE"
          }
        ],
        "responseCode": "APPROVED",
        "transactionId": "TRANSACTION_ID",
        "transactionProcessingType": "CASH"
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1707939909559
  }
}

Example payload: PAYMENT_CARD_CLEARED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2024-02-14T19:44:18.646Z",
      "expiresAt": "2024-03-15T19:44:18.647Z",
      "id": "NOTIFICATION_EVENT_ID",
      "name": "PAYMENT_CARD_CLEARED",
      "node": {
        "__typename": "PaymentCardClearedEvent",
        "accountHolderId": "ACCOUNT_HOLDER_ID",
        "additionalNetworkData": {
          "__typename": "VisaData",
          "transactionIdentifier": "38082a7f771345ce989e4574ff3252e4"
        },
        "approvedAmount": {
          "currencyCode": "USD",
          "value": 10000,
          "decimalPlaces": 2
        },
        "avsResponseCode": "NOT_PROVIDED",
        "cardId": "PAYMENT_CARD_ID",
        "createdAt": "2024-02-14T19:44:18.148Z",
        "currentFinancialAccountAvailableToSpendAmount": {
          "currencyCode": "USD",
          "value": 49930000,
          "decimalPlaces": 2
        },
        "currentFinancialAccountMaximumBalanceAmount": {
          "currencyCode": "USD",
          "value": 50000000,
          "decimalPlaces": 2
        },
        "cvvResponseCode": "MATCH",
        "financialAccountId": "FINANCIAL_ACCOUNT_ID",
        "id": "TRANSACTION_EVENT_ID",
        "merchantDetails": {
          "address": {
            "countryCodeAlpha3": "USA",
            "locality": "San Francisco",
            "postalCode": "94105",
            "region": "CA"
          },
          "category": "AUTOMATED_FUEL_DISPENSERS",
          "categoryCode": "5542",
          "countryCodeAlpha3": "USA",
          "description": "The awesomest awesome fuel dispensers",
          "merchantId": "Merchant Id",
          "name": "My Awesome Fuel"
        },
        "partial": true,
        "paymentCardSnapshot": {
          "createdAt": "2024-02-14T19:44:18.148Z",
          "paymentCardCurrent": {
            "id": "PAYMENT_CARD_ID"
          },
          "status": "ACTIVE"
        },
        "pointOfServiceDetails": {
          "category": "AUTOMATED_FUEL_DISPENSER",
          "isCardHolderPresent": true,
          "isCardPresent": true,
          "isRecurring": false,
          "panEntryMode": "MAGNETIC_STRIPE",
          "pinEntryMode": "PIN_ENTRY_CAPABILITY",
          "terminalAttendance": "ATTENDED",
          "terminalSupportsPartialApproval": true
        },
        "postalCodeResponseCode": "NOT_PROVIDED",
        "requestedAmount": {
          "currencyCode": "USD",
          "value": 10000,
          "decimalPlaces": 2
        },
        "responseCode": "APPROVED",
        "transactionId": "TRANSACTION_ID",
        "transactionProcessingType": "GOODS_AND_SERVICES"
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1707939859969
  }
}

Example payload: PAYMENT_CARD_ADJUSTMENT

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2024-06-10T14:22:08.312Z",
      "id": "NOTIFICATION_EVENT_ID",
      "name": "PAYMENT_CARD_ADJUSTMENT",
      "node": {
        "__typename": "PaymentCardAdjustmentEvent",
        "accountHolderId": "ACCOUNT_HOLDER_ID",
        "approvedAmount": {
          "currencyCode": "USD",
          "value": 500,
          "decimalPlaces": 2
        },
        "cardId": "PAYMENT_CARD_ID",
        "createdAt": "2024-06-10T14:22:07.891Z",
        "currentFinancialAccountAvailableToSpendAmount": {
          "currencyCode": "USD",
          "value": 49935000,
          "decimalPlaces": 2
        },
        "currentFinancialAccountMaximumBalanceAmount": {
          "currencyCode": "USD",
          "value": 50000000,
          "decimalPlaces": 2
        },
        "financialAccountId": "FINANCIAL_ACCOUNT_ID",
        "id": "TRANSACTION_EVENT_ID",
        "merchantDetails": null,
        "paymentCardSnapshot": {
          "createdAt": "2024-06-10T14:22:07.891Z",
          "paymentCardCurrent": {
            "id": "PAYMENT_CARD_ID"
          },
          "status": "ACTIVE"
        },
        "pointOfServiceDetails": null,
        "responseCode": "APPROVED",
        "transactionId": "TRANSACTION_ID",
        "transactionProcessingType": "ADJUSTMENT_CREDIT"
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1718025729105
  }
}

Example payload: PAYMENT_CARD_ENHANCED_DATA_RECEIVED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2023-04-01T00:55:18.566Z",
      "id": "NOTIFICATION_EVENT_ID",
      "name": "PAYMENT_CARD_ENHANCED_DATA_RECEIVED",
      "node": {
        "__typename": "PaymentCardEnhancedDataEvent",
        "accountHolderId": "ACCOUNT_HOLDER_ID",
        "additionalNetworkData": {
          "__typename": "VisaData",
          "transactionIdentifier": "63e2d6aaaef24f5d9cab99af689c5a21"
        },
        "cardId": "cd_b47701ed1fe71b98acb2d67c710a912d",
        "createdAt": "2023-04-01T00:55:16.495Z",
        "financialAccountId": "FINANCIAL_ACCOUNT_ID",
        "id": "TRANSACTION_EVENT_ID",
        "responseCode": "APPROVED",
        "transactionId": "TRANSACTION_ID",
        "transactionProcessingType": "GOODS_AND_SERVICES"
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1680310520414
  }
}

Example payload: PAYMENT_CARD_VERIFICATION_APPROVED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2022-05-09T22:27:32.871Z",
      "id": "NOTIFICATION_EVENT_ID",
      "name": "PAYMENT_CARD_VERIFICATION_APPROVED",
      "node": {
        "__typename": "PaymentCardVerificationApprovedEvent",
        "approvedAmount": {
          "currencyCode": "USD",
          "value": 100,
          "decimalPlaces": 2
        },
        "avsResponseCode": "NOT_PROVIDED",
        "createdAt": "2022-05-09T22:27:31.636Z",
        "cvvResponseCode": "NOT_PROVIDED",
        "id": "PAYMENT_CARD_VERIFICATION_EVENT_ID",
        "financialAccountId": "FINANCIAL_ACCOUNT_ID",
        "accountHolderId": "ACCOUNT_HOLDER_ID",
        "paymentCardId": "PAYMENT_CARD_ID",
        "merchantDetails": {
          "merchantId": "000000000011111",
          "name": "Safeway",
          "category": "MISCELLANEOUS_SPECIALTY_RETAIL",
          "categoryCode": "5514",
          "address": {
            "postalCode": "94105",
            "region": "CA",
            "locality": "San Francisco",
            "countryCodeAlpha3": "USA"
          }
        },
        "paymentCardSnapshot": {
          "createdAt": "2024-02-14T19:43:23.039Z",
          "paymentCardCurrent": {
            "id": "PAYMENT_CARD_ID"
          },
          "status": "ACTIVE"
        },
        "pointOfServiceDetails": {
          "category": "AUTOMATIC_FUEL_DISPENSER",
          "panEntryMode": "MAGNETIC_STRIPE",
          "pinEntryMode": "PIN_VERIFIED_BY_TERMINAL_DEVICE",
          "terminalAttendance": "ATTENDED",
          "isCardHolderPresent": true,
          "isCardPresent": true,
          "terminalSupportsPartialApproval": false,
          "isRecurring": false
        },
        "transactionProcessingType": "PAYMENT_DEBIT",
        "postalCodeResponseCode": "NOT_PROVIDED",
        "requestedAmount": {
          "currencyCode": "USD",
          "value": 100,
          "decimalPlaces": 2
        },
        "responseCode": "APPROVED",
        "transactionId": "TRANSACTION_ID"
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1652135254644
  }
}

Payroll advance

Triggered when a payroll advance repayment completes or a write-off is finalized.

Notification Event Name	Event	Description
PAYROLL_ADVANCE_REPAYMENT_COMPLETED	Object	Payroll advance repayment completed.
PAYROLL_ADVANCE_WRITE_OFF_COMPLETED	Object	Payroll advance write-off completed.

The following response codes are returned from a complete payroll repayment status event:

Payment Event Status	Description
NOT_REPAID	Status indicates that the payroll advance has not been paid
FULLY_REPAID	The balance of the payroll advance is fully repaid.
PARTIALLY_REPAID	The balance of the payroll advance is partially repaid.
WRITTEN_OFF	The payroll advance is written off on the Highnote platform because the 3 repayment AttemptCount was reached.

Example payload: PAYROLL_ADVANCE_REPAYMENT_COMPLETED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2022-09-14T23:04:17.337Z",
      "id": "NOTIFICATION_EVENT_ID",
      "name": "PAYROLL_ADVANCE_REPAYMENT_COMPLETED",
      "node": {
        "id": "PAYROLL_ADVANCE_EVENT_ID",
        "employerFinancialAccountId": "FINANCIAL_ACCOUNT_ID",
        "payrollAdvance": {
          "advanceAmount": {
            "currencyCode": "USD",
            "value": 100000,
            "decimalPlaces": 2
          },
          "amountApplied": {
            "currencyCode": "USD",
            "value": 10000,
            "decimalPlaces": 2
          },
          "amountBefore": {
            "currencyCode": "USD",
            "value": 80000,
            "decimalPlaces": 2
          },
          "balanceAfter": {
            "currencyCode": "USD",
            "value": 70000,
            "decimalPlaces": 2
          },
          "id": "PAYROLL_ADVANCE_ID",
          "paymentAdvanceStatus": "PARTIALLY_REPAID",
          "repaymentAttemptCount": 3
        }
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1663196658157
  }
}

Example payload: PAYROLL_ADVANCE_WRITE_OFF_COMPLETED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2022-09-14T23:04:27.797Z",
      "id": "NOTIFICATION_EVENT_ID",
      "name": "PAYROLL_ADVANCE_WRITE_OFF_COMPLETED",
      "node": {
        "id": "PAYROLL_ACCOUNT_TRANSFER_ID",
        "payrollAdvance": {
          "advanceAmount": {
            "currencyCode": "USD",
            "value": 100000,
            "decimalPlaces": 2
          },
          "amountApplied": {
            "currencyCode": "USD",
            "value": 0,
            "decimalPlaces": 2
          },
          "amountBefore": {
            "currencyCode": "USD",
            "value": 70000,
            "decimalPlaces": 2
          },
          "balanceAfter": {
            "currencyCode": "USD",
            "value": 0,
            "decimalPlaces": 2
          },
          "id": "PAYROLL_ADVANCE_ID",
          "paymentAdvanceStatus": "WRITTEN_OFF",
          "repaymentAttemptCount": 3,
          "writeOffAmount": {
            "currencyCode": "USD",
            "value": 70000,
            "decimalPlaces": 2
          }
        }
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1663196668260
  }
}

Physical card order

Triggered when a physical payment card or group order ships or fails to ship.

Notification Event Name	Event	Description
PHYSICAL_PAYMENT_CARD_SHIPPED	Object	Physical payment card shipped.
PHYSICAL_PAYMENT_CARD_SHIP_FAILED	Object	Physical payment card shipment failed.
PHYSICAL_PAYMENT_CARD_GROUP_ORDER_SHIPPED	Object	Physical payment card group order shipped.
PHYSICAL_PAYMENT_CARD_GROUP_ORDER_SHIP_FAILED	Object	Physical payment card group order shipment failed.

Example payload: PHYSICAL_PAYMENT_CARD_SHIPPED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2022-04-08T00:57:05.589Z",
      "id": "NOTIFICATION_EVENT_ID",
      "name": "PHYSICAL_PAYMENT_CARD_SHIPPED",
      "node": {
        "__typename": "PhysicalPaymentCardShippedEvent",
        "createdAt": "2022-04-08T00:56:46.242Z",
        "id": "PHYSICAL_PAYMENT_CARD_EVENT_ID",
        "orderState": {
          "status": "SHIPPED"
        },
        "paymentCardId": "PAYMENT_CARD_ID",
        "updatedAt": "2022-04-08T00:57:03.588Z"
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1649379429987
  }
}

Example payload: PHYSICAL_PAYMENT_CARD_GROUP_ORDER_SHIPPED

{
  "data": {
    "node": {
      "__typename": "NotificationEvent",
      "createdAt": "2022-10-25T22:28:02.991Z",
      "id": "NOTIFICATION_EVENT_ID",
      "name": "PHYSICAL_PAYMENT_CARD_GROUP_ORDER_SHIPPED",
      "node": {
        "__typename": "PhysicalPaymentCardGroupOrderShippedEvent",
        "cardCount": 1,
        "cardProductId": "CARD_PRODUCT_ID",
        "createdAt": "2022-10-25T22:24:53.923Z",
        "groupOrderState": {
          "status": "SHIPPED"
        },
        "id": "PHYSICAL_PAYMENT_CARD_GROUP_ORDER_EVENT_ID",
        "updatedAt": "2022-10-25T22:27:58.019Z"
      }
    }
  },
  "extensions": {
    "signatureTimestamp": 1666736885597
  }
}

Provision account holder

Triggered during the automated account holder provisioning workflow. Each workflow action progresses through the same statuses: INITIATED, IN_PROGRESS, COMPLETED, ERROR, or NOT_COMPLETED.

All provision account holder events return an AccountHolderProvisioning event object.

Workflow status

Notification Event Name	Description
PROVISION_ACCOUNT_HOLDER_INITIATED	Provisioning workflow initiated.
PROVISION_ACCOUNT_HOLDER_IN_PROGRESS	Provisioning workflow in progress.
PROVISION_ACCOUNT_HOLDER_COMPLETED	Provisioning workflow completed.
PROVISION_ACCOUNT_HOLDER_ERROR	Provisioning workflow encountered an error.
PROVISION_ACCOUNT_HOLDER_REJECTED	Provisioning workflow rejected.

Create application

Notification Event Name	Description
PROVISION_ACCOUNT_HOLDER_CREATE_APPLICATION_INITIATED	Create application action initiated.
PROVISION_ACCOUNT_HOLDER_CREATE_APPLICATION_IN_PROGRESS	Create application action in progress.
PROVISION_ACCOUNT_HOLDER_CREATE_APPLICATION_COMPLETED	Create application action completed.
PROVISION_ACCOUNT_HOLDER_CREATE_APPLICATION_ERROR	Create application action encountered an error.
PROVISION_ACCOUNT_HOLDER_CREATE_APPLICATION_NOT_COMPLETED	Create application action did not complete.

Issue financial account

Notification Event Name	Description
PROVISION_ACCOUNT_HOLDER_ISSUE_FINANCIAL_ACCOUNT_INITIATED	Issue financial account action initiated.
PROVISION_ACCOUNT_HOLDER_ISSUE_FINANCIAL_ACCOUNT_IN_PROGRESS	Issue financial account action in progress.
PROVISION_ACCOUNT_HOLDER_ISSUE_FINANCIAL_ACCOUNT_COMPLETED	Issue financial account action completed.
PROVISION_ACCOUNT_HOLDER_ISSUE_FINANCIAL_ACCOUNT_ERROR	Issue financial account action encountered an error.
PROVISION_ACCOUNT_HOLDER_ISSUE_FINANCIAL_ACCOUNT_NOT_COMPLETED	Issue financial account action did not complete.

Issue payment card

Notification Event Name	Description
PROVISION_ACCOUNT_HOLDER_ISSUE_PAYMENT_CARD_INITIATED	Issue payment card action initiated.
PROVISION_ACCOUNT_HOLDER_ISSUE_PAYMENT_CARD_IN_PROGRESS	Issue payment card action in progress.
PROVISION_ACCOUNT_HOLDER_ISSUE_PAYMENT_CARD_COMPLETED	Issue payment card action completed.
PROVISION_ACCOUNT_HOLDER_ISSUE_PAYMENT_CARD_ERROR	Issue payment card action encountered an error.
PROVISION_ACCOUNT_HOLDER_ISSUE_PAYMENT_CARD_NOT_COMPLETED	Issue payment card action did not complete.

Link external bank account

Notification Event Name	Description
PROVISION_ACCOUNT_HOLDER_LINK_EXTERNAL_BANK_ACCOUNT_INITIATED	Link external bank account action initiated.
PROVISION_ACCOUNT_HOLDER_LINK_EXTERNAL_BANK_ACCOUNT_IN_PROGRESS	Link external bank account action in progress.
PROVISION_ACCOUNT_HOLDER_LINK_EXTERNAL_BANK_ACCOUNT_COMPLETED	Link external bank account action completed.
PROVISION_ACCOUNT_HOLDER_LINK_EXTERNAL_BANK_ACCOUNT_ERROR	Link external bank account action encountered an error.
PROVISION_ACCOUNT_HOLDER_LINK_EXTERNAL_BANK_ACCOUNT_NOT_COMPLETED	Link external bank account action did not complete.

Notify provider

Notification Event Name	Description
PROVISION_ACCOUNT_HOLDER_NOTIFY_PROVIDER_INITIATED	Notify provider action initiated.
PROVISION_ACCOUNT_HOLDER_NOTIFY_PROVIDER_IN_PROGRESS	Notify provider action in progress.
PROVISION_ACCOUNT_HOLDER_NOTIFY_PROVIDER_COMPLETED	Notify provider action completed.
PROVISION_ACCOUNT_HOLDER_NOTIFY_PROVIDER_ERROR	Notify provider action encountered an error.
PROVISION_ACCOUNT_HOLDER_NOTIFY_PROVIDER_NOT_COMPLETED	Notify provider action did not complete.

Register Visa payable funding account

Notification Event Name	Description
PROVISION_ACCOUNT_HOLDER_REGISTER_VISA_PAYABLE_FUNDING_ACCOUNT_INITIATED	Register Visa payable funding account action initiated.
PROVISION_ACCOUNT_HOLDER_REGISTER_VISA_PAYABLE_FUNDING_ACCOUNT_IN_PROGRESS	Register Visa payable funding account action in progress.
PROVISION_ACCOUNT_HOLDER_REGISTER_VISA_PAYABLE_FUNDING_ACCOUNT_COMPLETED	Register Visa payable funding account action completed.
PROVISION_ACCOUNT_HOLDER_REGISTER_VISA_PAYABLE_FUNDING_ACCOUNT_ERROR	Register Visa payable funding account action encountered an error.
PROVISION_ACCOUNT_HOLDER_REGISTER_VISA_PAYABLE_FUNDING_ACCOUNT_NOT_COMPLETED	Register Visa payable funding account action did not complete.

Set credit limit

Notification Event Name	Description
PROVISION_ACCOUNT_HOLDER_SET_CREDIT_LIMIT_INITIATED	Set credit limit action initiated.
PROVISION_ACCOUNT_HOLDER_SET_CREDIT_LIMIT_IN_PROGRESS	Set credit limit action in progress.
PROVISION_ACCOUNT_HOLDER_SET_CREDIT_LIMIT_COMPLETED	Set credit limit action completed.
PROVISION_ACCOUNT_HOLDER_SET_CREDIT_LIMIT_ERROR	Set credit limit action encountered an error.
PROVISION_ACCOUNT_HOLDER_SET_CREDIT_LIMIT_NOT_COMPLETED	Set credit limit action did not complete.

Report

Triggered when an on-demand report completes or fails.

All report events return a Report event object.

Notification Event Name	Description
REPORT_COMPLETED	Report completed successfully.
REPORT_FAILED	Report failed.

Unified funds transfer

Triggered during the lifecycle of a Unified Funds Transfer (single-call money movement via the Transfer Funds API).

Instant network transfer events return an InstantNetworkTransfer event object. Unified funds transfer events return a UnifiedFundsTransfer event object.

Notification Event Name	Description
INSTANT_NETWORK_TRANSFER_INITIATED_EVENT	Instant network transfer initiated.
INSTANT_NETWORK_TRANSFER_COMPLETED_EVENT	Instant network transfer completed.
INSTANT_NETWORK_TRANSFER_FAILED_EVENT	Instant network transfer failed.
UNIFIED_FUNDS_TRANSFER_INITIATED_EVENT	Unified funds transfer initiated.
UNIFIED_FUNDS_TRANSFER_COMPLETED_EVENT	Unified funds transfer completed.
UNIFIED_FUNDS_TRANSFER_FAILED_EVENT	Unified funds transfer failed.