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Launch Checklist

To help prepare you for launch, the Highnote team provides you with a launch readiness checklist, testing plan, and compliance resources. Before launching, create an account and an API key in the Dashboard, and complete any other instructions from the Highnote team.

Technology Readiness​

To ensure your integration is prepared for launch, the Highnote Team will work with you to review the following:

  • APIs integrated and tested to launch with confidence. Test the following functionalities that are applicable to your Card Product:

Funding​

  • Simulate deposit to Financial Accounts
  • Simulate funding from external bank account
  • Simulate necessary account transfers and on-demand funding configuration

Issuance​

  • Collaborative Authorization integrated and tested

Onboarding​

  • Account Holder facing application tested and operational, including support for document upload
  • Simulate manual review flow

Physical Card​

  • Simulate Physical Card order

Reporting​

External Testing​

The Highnote Team will set up and add users to your Live Environment and perform several tests to ensure functionality. During this phase, you can expect the Highnote Team to test the following:

  • Maximum number of cards verified
  • Set up and review the Support process
  • External test plan and issue tracking

Compliance, Collateral, and Reporting​

The Highnote Team will work with you to ensure your compliance and reporting processes are ready for launch. You can expect the following during this phase:

  • Card Product collateral approved, including ACH consent if ACH origination is supported by the program
  • All disclosures, policies, and compliance documents approved
  • Confirm owner for the following monthly reporting requirements:
    • Customer Service reporting
    • Monthly Complaints reporting
    • Regulation B reporting (if applicable)
    • Disputes reporting
  • Confirm owner for Compliance Monitoring (delegated CIP where applicable)
  • Confirm owner for ongoing collateral review process (marketing materials and any changes to card art, primary website, etc.)

Customer Support​

The Highnote Team will work with you to prepare Customer Support processes for launch. You can expect the following during this phase:

  • Confirm post launch Support process
  • Design disputes process
  • Confirm card ordering SLAs, expedites, and pulls
  • Set up disputes and risk emails

Risk​

The Highnote Team will work with you to mitigate any possible risk and prepare you to handle risk processes after launch. You can expect the following during this phase:

  • Application flow demo for Risk and Support, including a sample of customer app screens after an account is opened
  • Confirm communication preference and notification email from for:
    • Manual review
    • Fraud review processes and notifications
    • Suspicious activity
  • Risk Review (ACH Hold reviews & Card Account risk reviews)
  • Account closures

Funding​

The Highnote Team will work with you fund your Card Product. You can expect the following during this phase:

  • Fund the minimum for Product Funding Account

Billing​

The Highnote Team will work with you to complete the following steps to ensure billing readiness:

  • Complete ACH authorization for debits/credits
  • Confirm readiness for monthly billing