Querying Card Products and Financial Accounts

Overview

This guide explains how to query your Card Product and Financial Account settings with the Highnote API. These two nesting entities hold almost all of your configuration:

• Card Product: Blueprint for a program. Defines the capabilities, rules, credit terms (if applicable), and fee structure. Settings attached to the Card Product apply to all of its Financial Accounts.
• Financial Account: Single account opened under a Card Product. Account-level settings, lifecycle states, and balances attached to a Financial Account apply only to that account.

Settings

Your effective settings come from both entities:

1. The Card Product determines what the program allows.
2. The Financial Account determines what is true of that one account.

Card Product settings apply to all of its Financial Accounts.

Not every field below is readable with an API key

Some settings are restricted to Highnote internal operations users only. Your API key and your Highnote Dashboard cannot read them. This guide marks them as Highnote internal only. Everything unmarked is readable with an API key.

Restriction is per entity, not per field name: several fields are readable on CardProduct and Highnote internal only on the FinancialAccount beneath it. Check the entity you are actually querying.

Selecting a restricted field with an API key does not fail the request. The rest of the query returns data. The restricted field returns an AccessDeniedError (select ... on AccessDeniedError { message } to see it), or null or an empty list when the field has no error union. API-key introspection also hides these fields, so an IDE or codegen tool that validates against your schema rejects the query before you send it.

Categories

Across both entities, settings fall into a few recurring categories:

• Features: Capability flags such as ACH, direct deposit, or on-demand funding, exposed as a …Feature interface you read with enabled.
• Attached rules: Spend, velocity, risk, transfer, and check rules that limit what the product or account can do.
• Credit: Credit configuration and plans.
• Fees: Fee schedules.
• Lifecycle and balances (accounts only): Status, attributes, billing summary, and live velocity balances.

The rest of this guide walks each entity's fields by category, then gives one query that captures a full snapshot of both.

For filter-input shapes referenced here, see Searching the API and Highnote Query Language.

Finding your products and accounts

Every settings query in this guide takes a Card Product ID or a Financial Account ID, so the first step is finding yours.

Card Products have a top-level entry point and can be listed directly. Financial Accounts have no equivalent entry point. You reach one by traversing from its Card Product, from its account holder, or by direct lookup.

Card Products

Query.cardProducts is the top-level entry point. It is paginated and returns every CardProduct on your account.

query MyCardProducts {
  cardProducts(first: 20) {
    edges {
      node {
        id
        name
        commercial
        usage
        vertical
      }
    }
    pageInfo {
      hasNextPage
      endCursor
    }
  }
}

MyCardProducts

Query

query MyCardProducts {
  cardProducts(first: 20) {
    edges {
      node {
        id
        name
        commercial
        usage
        vertical
      }
    }
    pageInfo {
      hasNextPage
      endCursor
    }
  }
}

⚠️ Please login to execute queries. Visit the dashboard to authenticate.

Result

{
  "data": {
    "cardProducts": {
      "edges": [
        {
          "node": {
            "id": "pd_36cb6f6818014bbba8644397ec5dfc86",
            "name": "Consumer Prepaid",
            "commercial": false,
            "usage": "MULTI_USE",
            "vertical": "CONSUMER_PREPAID"
          }
        }
      ],
      "pageInfo": {
        "hasNextPage": false,
        "endCursor": "MQ"
      }
    }
  }
}

Financial Accounts

There is no top-level financialAccounts query. To list yours, use one of three traversal paths:

Path	When to Use It
CardProduct.accounts(first, after, filterBy)	All Financial Accounts for a known Card Product
USPersonAccountHolder.financialAccounts / USBusinessAccountHolder.financialAccounts	All Financial Accounts for a known account holder
Query.node(id: "ac_…")	Direct lookup of a known Financial Account

Card Product settings

CardProduct is the largest configuration surface in the API.

Identity and shape

Field	What It Tells You
id, name, vertical, commercial	Core identity and business intent
usage	SINGLE_USE or MULTI_USE
sourceTemplateId	Internal template the product was created from
profiles	Attached ProductProfiles (program profiles)
defaultCardProfileSet, cardProfileSets	BIN range, card art, and network configuration

Features

cardProduct.features returns a list of CardProductFeature interfaces. Use inline fragments to read each capability's enabled flag and per-feature configuration:

features {
  __typename
  ... on AuthorizedUserCardProductFeature                       { enabled }
  ... on ChargeCardProductFeature                               { enabled }
  ... on CollaborativeApplicationUnderwritingCardProductFeature { enabled }
  ... on CollaborativeAuthorizationCardProductFeature           { enabled }
  ... on CreditLimitVarianceCardProductFeature                  { enabled }
  ... on DirectMerchantAcquiringCardProductFeature              { enabled }
  ... on DisputeChargebackCardProductFeature                    { enabled }
  ... on EarlyDirectDepositCardProductFeature                   { enabled }
  ... on ExternalBusinessManagementCardProductFeature           { enabled }
  ... on OnDemandFundingCardProductFeature                      { enabled }
  ... on PartialFundingCardProductFeature                       { enabled }
  ... on PointRewardCardProductFeature                          { enabled }
  ... on RevolvingCardProductFeature                            { enabled }
  ... on SecuredDepositCardProductFeature                       { enabled }
}

Rules attached at Card Product level

These apply to every Financial Account under the product.

Field	Purpose	Available to
attachedSpendRules	MCC, country, amount, and merchant-ID allow/blocklists	API key
attachedVelocityRules	Velocity caps (count and amount over a time window)	API key
attachedPlatformSpendRules, attachedPlatformVelocityRules	Read-only platform-mandated rules layered on top	API key
attachedInterFinancialAccountTransferRules	Between-account transfer limits	API key
attachedVelocityInterFinancialAccountTransferRules	Between-account velocity transfer limits	API key
attachedRealtimeRiskRules	Real-time risk decisioning	API key
attachedRewardRules, attachedRewardRedemptionConfigurations	Earn and redeem configurations	API key
attachedTransferRules, attachedVelocityTransferRules	ACH and external transfer constraints	Highnote internal only
attachedRiskRules, attachedVelocityRiskRules	Risk-decisioning rules	Highnote internal only
attachedCheckRules, attachedVelocityCheckRules	Check-payment constraints	Highnote internal only

Credit

Field	Purpose
creditConfiguration	Credit product configuration (limits, plan templates, structure)
creditPlans, creditPlanTemplates	Active plans and templates available to attach

Fees

Field	Purpose
feeSchedules	Fee schedules attached to this product

Activity and operations

These are paginated and filterable.

Field	Purpose
accounts	The Financial Accounts under this product
paymentCards	All cards issued from this product
searchCardProductApplications	Applications routed to this product
transactionEvents	Recent transaction events on this product
paymentCardTransactionChargebacks, paymentCardTransactionDisputes	Disputes and chargebacks scoped to the product
integratorACHTransfers, externalACHTransfers, originatedAchTransfers, nonOriginatedAchTransfers, interFinancialAccountTransfers	Money-movement modalities scoped to the product
groupOrders	Physical card group orders

Financial Account settings

FinancialAccount exposes the largest per-account configuration surface in the API.

Identity and lifecycle

Field	Purpose
id, externalId, name, createdAt, updatedAt	Identity
owner, accountHolder	Who owns the account and who the cardholder is (these can differ for authorized-user accounts)
cardProduct	Parent product
cardProductApplication	Origin application
accountStatus, accountClosureReasons	Lifecycle state
accountAttributes, financialAccountAttributesWithReason	Flagged states and reasons (for example, PAST_DUE, RESTRICTED_FROM_PURCHASE)
partnerBankName	The underlying issuing bank
customFields, userDefinedFields	Subscriber metadata
revisionSnapshots	Audit-style history of changes

Features

financialAccount.features returns FinancialAccountFeature interfaces — a different list than CardProduct.features. The enabled, effectiveFrom, and effectiveThrough fields live on the interface itself, so you can read enabled directly; use inline fragments when a feature has additional configuration.

features {
  __typename
  enabled
  ... on AchCapableFinancialAccountFeature               { enabled }
  ... on AuthorizedUserAccountFeature                    { enabled }
  ... on CardFundingFinancialAccountFeature              { enabled }
  ... on CheckCapableAccountFeature                      { enabled }
  ... on CommercialCreditPayInFullCardAccountFeature     { enabled }
  ... on CreditCardAccountFeature                        { enabled }
  ... on DebitPaymentCardFinancialAccountFeature         { enabled }
  ... on DirectDepositFinancialAccountFeature            { enabled }
  ... on FleetCardAccountFeature                         { enabled }
  ... on IncomeAccountFinancialAccountFeature            { enabled }
  ... on JustInTimeFundingFinancialAccountFeature        { enabled }
  ... on MerchantSettlementFinancialAccountFeature       { enabled }
  ... on NegativeBalanceReserveFinancialAccountFeature   { enabled }
  ... on NonVerifiedFinancialAccountFeature              { enabled }
  ... on OnDemandFundingFinancialAccountFeature          { enabled }
  ... on PartialFundingFinancialAccountFeature           { enabled }
  ... on PayrollAdvanceFinancialAccountFeature           { enabled }
  ... on PayrollEmployerAdvanceFinancialAccountFeature   { enabled }
  ... on PointRewardFinancialAccountFeature              { enabled }
  ... on PrePaidPaymentCardFinancialAccountFeature       { enabled }
  ... on PreprintedCardFinancialAccountFeature           { enabled }
  ... on ProductFundingFinancialAccountFeature           { enabled }
  ... on ProductReserveFinancialAccountFeature           { enabled }
  ... on ProductSecuredDepositFinancialAccountFeature    { enabled }
  ... on RepaymentFinancialAccountFeature                { enabled }
  ... on ResetBalanceFinancialAccountFeature             { enabled }
  ... on SecuredCreditPaymentCardFinancialAccountFeature { enabled }
  ... on SecuredDepositFinancialAccountFeature           { enabled }
  ... on SuspenseFinancialAccountFeature                 { enabled }
  ... on VendorProvidedBankFinancialAccountFeature       { enabled }
}

Balances and billing

Field	Purpose
ledgers	Underlying double-entry ledgers; the canonical balance source
billingSummary	Latest closed statement: minimum payment due, payment due date, and remaining balance
statementSnapshot	Latest balance snapshot
statements	Paginated statement history
activeBillingCycleConfiguration	Cycle anchor and cadence configuration
billingCycleHistory	Past cycles
delinquency, delinquencyState	Past-due tracking

Direct deposit details

Field	Purpose
directDepositDetails	Direct deposit routing and account numbers

The account and routing numbers sit behind directDepositDetails.restrictedDetails, which requires a Direct Deposit Details client token with the READ_RESTRICTED_DETAILS permission. Without that token the field resolves to an AccessDeniedError.

Attached rules

The same field names as the Card Product, scoped to the Financial Account — but not the same availability. The inter-account transfer rules are readable with an API key on CardProduct and Highnote internal only on FinancialAccount, so check each entity separately rather than assuming a field carries the same access on both.

• attachedSpendRules
• attachedVelocityRules
• attachedRealtimeRiskRules
• attachedInterFinancialAccountTransferRules, attachedVelocityInterFinancialAccountTransferRules — Highnote internal only
• attachedRiskRules, attachedVelocityRiskRules — Highnote internal only
• attachedTransferRules, attachedVelocityTransferRules — Highnote internal only

Payment Cards

Payment Cards expose the same risk-rule connections. attachedRealtimeRiskRules is readable with an API key. attachedRiskRules and attachedVelocityRiskRules are Highnote internal only.

Live velocity balances

How much room is left under each velocity rule:

• velocitySpendRuleBalances
• velocityInterFinancialAccountTransferRuleBalances
• velocityTransferRuleBalances — Highnote internal only
• velocityRiskRuleBalances, velocityRiskRealtimeRuleBalances — Highnote internal only
• platformVelocitySpendRuleBalances — Highnote internal only
• ruleOverrides — Highnote internal only

Activity

These are paginated and filterable.

Field	What It Returns
financialAccountActivities	All money-movement and ledger activity
transactionEvents	Card transaction events
paymentCards	Cards issued on this account
paymentCardTransactionChargebacks, paymentCardTransactionDisputes	Disputes and chargebacks
feeTransferEvents	Fees charged
integratorACHTransfers, externalACHTransfers, originatedAchTransfers, nonOriginatedAchTransfers	ACH activity by direction and origination
interFinancialAccountTransfers	Between-account transfers
incomingScheduledTransfers	Future scheduled inbound transfers
installmentAgreements, purchasePlans	Credit plan instances
creditConfiguration	Per-account credit configuration
reviewWorkflowEvents	Review history
activeRiskTransactionAccountInvestigations, deposedRiskTransactionAccountInvestigations	Active and closed risk investigations — Highnote internal only
globalNotes, accountReviewHistory	Operational notes

Settings snapshot query

Supply a cardProductId and a financialAccountId of your choice. This query pulls a comprehensive settings snapshot for both entities in one round trip, with the feature unions resolved and a sample of each attached-rule connection.

note

This query selects only fields an API key can read, so you can run it as written. The attached-rule connections marked Highnote internal only in the tables above are deliberately left out. These include CardProduct.attachedTransferRules, CardProduct.attachedRiskRules, CardProduct.attachedCheckRules, FinancialAccount.attachedTransferRules, FinancialAccount.attachedRiskRules, and FinancialAccount.attachedInterFinancialAccountTransferRules, plus their velocity variants.

If you add any of them, the server still runs the query, and those fields return AccessDeniedError instead of data. Because API-key introspection hides these fields, an IDE or codegen tool that validates against your schema flags them before you send the query. The unrestricted attachedRealtimeRiskRules is included on both types.

query CardProductAndFinancialAccountSnapshot(
  $cardProductId: ID!
  $financialAccountId: ID!
) {
  # ============================================================
  # CARD PRODUCT SETTINGS
  # ============================================================
  cardProduct: node(id: $cardProductId) {
    __typename
    ... on CardProduct {
      id
      name
      commercial
      usage
      vertical
      sourceTemplateId

      # Card design and BIN
      defaultCardProfileSet {
        id
        name
      }
      cardProfileSets(first: 10) {
        ... on CardProfileSetConnection {
          edges {
            node {
              id
              name
            }
          }
        }
      }

      # Profiles
      profiles {
        __typename
        ... on Node {
          id
        }
      }

      # Capability flags (every CardProductFeature subtype)
      features {
        __typename
        ... on AuthorizedUserCardProductFeature {
          enabled
        }
        ... on ChargeCardProductFeature {
          enabled
        }
        ... on CollaborativeApplicationUnderwritingCardProductFeature {
          enabled
        }
        ... on CollaborativeAuthorizationCardProductFeature {
          enabled
        }
        ... on CreditLimitVarianceCardProductFeature {
          enabled
        }
        ... on DirectMerchantAcquiringCardProductFeature {
          enabled
        }
        ... on DisputeChargebackCardProductFeature {
          enabled
        }
        ... on EarlyDirectDepositCardProductFeature {
          enabled
        }
        ... on ExternalBusinessManagementCardProductFeature {
          enabled
        }
        ... on OnDemandFundingCardProductFeature {
          enabled
        }
        ... on PartialFundingCardProductFeature {
          enabled
        }
        ... on PointRewardCardProductFeature {
          enabled
        }
        ... on RevolvingCardProductFeature {
          enabled
        }
        ... on SecuredDepositCardProductFeature {
          enabled
        }
      }

      # Credit and fees
      creditConfiguration {
        __typename
      }
      creditPlanTemplates(first: 10) {
        edges {
          node {
            id
          }
        }
      }
      creditPlans(first: 10) {
        edges {
          node {
            id
          }
        }
      }
      feeSchedules(first: 20) {
        edges {
          node {
            id
            status
          }
        }
      }

      # Subscriber-managed rules
      attachedSpendRules(first: 20) {
        edges {
          node {
            id
            name
          }
        }
      }
      attachedVelocityRules(first: 20) {
        edges {
          node {
            id
            name
          }
        }
      }
      attachedInterFinancialAccountTransferRules(first: 20) {
        ... on InterFinancialAccountTransferRuleConnection {
          edges {
            node {
              __typename
              ... on Node {
                id
              }
            }
          }
        }
      }
      attachedRewardRules(first: 20) {
        edges {
          node {
            __typename
          }
        }
      }
      attachedRewardRedemptionConfigurations(first: 20) {
        edges {
          node {
            __typename
          }
        }
      }

      # Platform-imposed rules (read only)
      attachedPlatformSpendRules(first: 20) {
        edges {
          node {
            id
            name
          }
        }
      }
      attachedPlatformVelocityRules(first: 20) {
        edges {
          node {
            id
            name
          }
        }
      }

      # Risk rules
      attachedRealtimeRiskRules(first: 20) {
        ... on RealtimeRiskRuleConnection {
          edges {
            node {
              __typename
              ... on Node {
                id
              }
            }
          }
        }
      }

      # Sample of related accounts
      accounts(first: 5) {
        edges {
          node {
            id
            name
            accountStatus
            partnerBankName
          }
        }
      }
    }
  }

  # ============================================================
  # FINANCIAL ACCOUNT SETTINGS
  # ============================================================
  financialAccount: node(id: $financialAccountId) {
    __typename
    ... on FinancialAccount {
      id
      externalId
      name
      createdAt
      updatedAt
      accountStatus
      partnerBankName

      # Lifecycle and state flags
      accountAttributes
      financialAccountAttributesWithReason {
        attribute
        reason
      }
      accountClosureReasons

      # Relationships
      cardProduct {
        id
        name
      }
      owner {
        __typename
        ... on Node {
          id
        }
      }
      accountHolder {
        __typename
        ... on Node {
          id
        }
      }
      cardProductApplication {
        __typename
        ... on Node {
          id
        }
      }

      # Capabilities (enabled lives on the interface)
      features {
        __typename
        enabled
      }

      # Direct deposit details (account and routing numbers require a
      # Direct Deposit Details token with READ_RESTRICTED_DETAILS)
      directDepositDetails {
        id
        restrictedDetails {
          __typename
          ... on DirectDepositDetailRestrictedDetails {
            number
            routingNumber
          }
        }
      }

      # Balances and billing
      billingSummary {
        asOf
        minimumPaymentDue {
          value
          currencyCode
          decimalPlaces
        }
        paymentDueOn
        remainingLatestClosedStatementBalance {
          value
          currencyCode
          decimalPlaces
        }
      }
      statementSnapshot {
        __typename
      }
      activeBillingCycleConfiguration {
        __typename
      }
      delinquency {
        __typename
      }
      delinquencyState {
        __typename
      }

      # Credit configuration
      creditConfiguration {
        __typename
      }
      purchasePlans {
        __typename
      }

      # Attached rules (account level)
      attachedSpendRules(first: 20) {
        edges {
          node {
            id
            name
          }
        }
      }
      attachedVelocityRules(first: 20) {
        edges {
          node {
            id
            name
          }
        }
      }
      attachedRealtimeRiskRules(first: 20) {
        ... on RealtimeRiskRuleConnection {
          edges {
            node {
              __typename
              ... on Node {
                id
              }
            }
          }
        }
      }

      # Live velocity balances
      velocitySpendRuleBalances {
        __typename
      }

      # Recent activity samples
      paymentCards(first: 5) {
        edges {
          node {
            id
            last4
            expirationDate
          }
        }
      }
      financialAccountActivities(first: 5) {
        edges {
          node {
            __typename
          }
        }
      }
      transactionEvents(first: 5) {
        edges {
          node {
            __typename
            ... on Node {
              id
            }
          }
        }
      }
      installmentAgreements(first: 5) {
        edges {
          node {
            id
          }
        }
      }
      feeTransferEvents(first: 5) {
        edges {
          node {
            __typename
          }
        }
      }

      # Subscriber metadata
      customFields {
        __typename
        key
        ... on CustomStringField {
          value
        }
      }
      userDefinedFields(first: 5) {
        edges {
          node {
            __typename
          }
        }
      }
    }
  }
}

CardProductAndFinancialAccountSnapshot

Query

query CardProductAndFinancialAccountSnapshot(
  $cardProductId: ID!
  $financialAccountId: ID!
) {
  # ============================================================
  # CARD PRODUCT SETTINGS
  # ============================================================
  cardProduct: node(id: $cardProductId) {
    __typename
    ... on CardProduct {
      id
      name
      commercial
      usage
      vertical
      sourceTemplateId

      # Card design and BIN
      defaultCardProfileSet {
        id
        name
      }
      cardProfileSets(first: 10) {
        ... on CardProfileSetConnection {
          edges {
            node {
              id
              name
            }
          }
        }
      }

      # Profiles
      profiles {
        __typename
        ... on Node {
          id
        }
      }

      # Capability flags (every CardProductFeature subtype)
      features {
        __typename
        ... on AuthorizedUserCardProductFeature {
          enabled
        }
        ... on ChargeCardProductFeature {
          enabled
        }
        ... on CollaborativeApplicationUnderwritingCardProductFeature {
          enabled
        }
        ... on CollaborativeAuthorizationCardProductFeature {
          enabled
        }
        ... on CreditLimitVarianceCardProductFeature {
          enabled
        }
        ... on DirectMerchantAcquiringCardProductFeature {
          enabled
        }
        ... on DisputeChargebackCardProductFeature {
          enabled
        }
        ... on EarlyDirectDepositCardProductFeature {
          enabled
        }
        ... on ExternalBusinessManagementCardProductFeature {
          enabled
        }
        ... on OnDemandFundingCardProductFeature {
          enabled
        }
        ... on PartialFundingCardProductFeature {
          enabled
        }
        ... on PointRewardCardProductFeature {
          enabled
        }
        ... on RevolvingCardProductFeature {
          enabled
        }
        ... on SecuredDepositCardProductFeature {
          enabled
        }
      }

      # Credit and fees
      creditConfiguration {
        __typename
      }
      creditPlanTemplates(first: 10) {
        edges {
          node {
            id
          }
        }
      }
      creditPlans(first: 10) {
        edges {
          node {
            id
          }
        }
      }
      feeSchedules(first: 20) {
        edges {
          node {
            id
            status
          }
        }
      }

      # Subscriber-managed rules
      attachedSpendRules(first: 20) {
        edges {
          node {
            id
            name
          }
        }
      }
      attachedVelocityRules(first: 20) {
        edges {
          node {
            id
            name
          }
        }
      }
      attachedInterFinancialAccountTransferRules(first: 20) {
        ... on InterFinancialAccountTransferRuleConnection {
          edges {
            node {
              __typename
              ... on Node {
                id
              }
            }
          }
        }
      }
      attachedRewardRules(first: 20) {
        edges {
          node {
            __typename
          }
        }
      }
      attachedRewardRedemptionConfigurations(first: 20) {
        edges {
          node {
            __typename
          }
        }
      }

      # Platform-imposed rules (read only)
      attachedPlatformSpendRules(first: 20) {
        edges {
          node {
            id
            name
          }
        }
      }
      attachedPlatformVelocityRules(first: 20) {
        edges {
          node {
            id
            name
          }
        }
      }

      # Risk rules
      attachedRealtimeRiskRules(first: 20) {
        ... on RealtimeRiskRuleConnection {
          edges {
            node {
              __typename
              ... on Node {
                id
              }
            }
          }
        }
      }

      # Sample of related accounts
      accounts(first: 5) {
        edges {
          node {
            id
            name
            accountStatus
            partnerBankName
          }
        }
      }
    }
  }

  # ============================================================
  # FINANCIAL ACCOUNT SETTINGS
  # ============================================================
  financialAccount: node(id: $financialAccountId) {
    __typename
    ... on FinancialAccount {
      id
      externalId
      name
      createdAt
      updatedAt
      accountStatus
      partnerBankName

      # Lifecycle and state flags
      accountAttributes
      financialAccountAttributesWithReason {
        attribute
        reason
      }
      accountClosureReasons

      # Relationships
      cardProduct {
        id
        name
      }
      owner {
        __typename
        ... on Node {
          id
        }
      }
      accountHolder {
        __typename
        ... on Node {
          id
        }
      }
      cardProductApplication {
        __typename
        ... on Node {
          id
        }
      }

      # Capabilities (enabled lives on the interface)
      features {
        __typename
        enabled
      }

      # Direct deposit details (account and routing numbers require a
      # Direct Deposit Details token with READ_RESTRICTED_DETAILS)
      directDepositDetails {
        id
        restrictedDetails {
          __typename
          ... on DirectDepositDetailRestrictedDetails {
            number
            routingNumber
          }
        }
      }

      # Balances and billing
      billingSummary {
        asOf
        minimumPaymentDue {
          value
          currencyCode
          decimalPlaces
        }
        paymentDueOn
        remainingLatestClosedStatementBalance {
          value
          currencyCode
          decimalPlaces
        }
      }
      statementSnapshot {
        __typename
      }
      activeBillingCycleConfiguration {
        __typename
      }
      delinquency {
        __typename
      }
      delinquencyState {
        __typename
      }

      # Credit configuration
      creditConfiguration {
        __typename
      }
      purchasePlans {
        __typename
      }

      # Attached rules (account level)
      attachedSpendRules(first: 20) {
        edges {
          node {
            id
            name
          }
        }
      }
      attachedVelocityRules(first: 20) {
        edges {
          node {
            id
            name
          }
        }
      }
      attachedRealtimeRiskRules(first: 20) {
        ... on RealtimeRiskRuleConnection {
          edges {
            node {
              __typename
              ... on Node {
                id
              }
            }
          }
        }
      }

      # Live velocity balances
      velocitySpendRuleBalances {
        __typename
      }

      # Recent activity samples
      paymentCards(first: 5) {
        edges {
          node {
            id
            last4
            expirationDate
          }
        }
      }
      financialAccountActivities(first: 5) {
        edges {
          node {
            __typename
          }
        }
      }
      transactionEvents(first: 5) {
        edges {
          node {
            __typename
            ... on Node {
              id
            }
          }
        }
      }
      installmentAgreements(first: 5) {
        edges {
          node {
            id
          }
        }
      }
      feeTransferEvents(first: 5) {
        edges {
          node {
            __typename
          }
        }
      }

      # Subscriber metadata
      customFields {
        __typename
        key
        ... on CustomStringField {
          value
        }
      }
      userDefinedFields(first: 5) {
        edges {
          node {
            __typename
          }
        }
      }
    }
  }
}

Variables

{
  "cardProductId": "pd_36cb6f6818014bbba8644397ec5dfc86",
  "financialAccountId": "ac_c02204zs5i9mdnp381js3mksl5q8x9e6p6os"
}

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Result

{
  "data": {
    "cardProduct": {
      "__typename": "CardProduct",
      "id": "pd_36cb6f6818014bbba8644397ec5dfc86",
      "name": "Consumer Prepaid",
      "commercial": false,
      "usage": "MULTI_USE",
      "vertical": "CONSUMER_PREPAID",
      "sourceTemplateId": "default_consumer_prepaid",
      "defaultCardProfileSet": {
        "id": "<CARD_PROFILE_SET_ID>",
        "name": "Default Card Profile Set"
      },
      "cardProfileSets": {
        "edges": [
          {
            "node": {
              "id": "<CARD_PROFILE_SET_ID>",
              "name": "Default Card Profile Set"
            }
          }
        ]
      },
      "profiles": [],
      "features": [
        {
          "__typename": "DirectMerchantAcquiringCardProductFeature"
        }
      ],
      "creditConfiguration": null,
      "creditPlanTemplates": {
        "edges": []
      },
      "creditPlans": {
        "edges": []
      },
      "feeSchedules": {
        "edges": []
      },
      "attachedSpendRules": {
        "edges": []
      },
      "attachedVelocityRules": {
        "edges": []
      },
      "attachedInterFinancialAccountTransferRules": {
        "edges": []
      },
      "attachedRewardRules": {
        "edges": []
      },
      "attachedRewardRedemptionConfigurations": {
        "edges": []
      },
      "attachedPlatformSpendRules": {
        "edges": []
      },
      "attachedPlatformVelocityRules": {
        "edges": []
      },
      "attachedRealtimeRiskRules": {
        "edges": []
      },
      "accounts": {
        "edges": [
          {
            "node": {
              "id": "ac_c02204zs5i9mdnp381js3mksl5q8x9e6p6os",
              "name": "Financial Account",
              "accountStatus": "ACTIVE",
              "partnerBankName": "<PARTNER_BANK_NAME>"
            }
          }
        ]
      }
    },
    "financialAccount": {
      "__typename": "FinancialAccount",
      "id": "ac_c02204zs5i9mdnp381js3mksl5q8x9e6p6os",
      "externalId": "8XB836QCX9",
      "name": "Financial Account",
      "createdAt": "2026-06-27T04:50:44.517Z",
      "updatedAt": "2026-06-27T04:50:44.517Z",
      "accountStatus": "ACTIVE",
      "partnerBankName": "<PARTNER_BANK_NAME>",
      "accountAttributes": [],
      "financialAccountAttributesWithReason": [],
      "accountClosureReasons": [],
      "cardProduct": {
        "id": "pd_36cb6f6818014bbba8644397ec5dfc86",
        "name": "Consumer Prepaid"
      },
      "owner": {
        "__typename": "USPersonAccountHolder",
        "id": "ps_ah0104z4ut86egq6r1js3lt4ale8x53wmbp2"
      },
      "accountHolder": {
        "__typename": "USPersonAccountHolder",
        "id": "ps_ah0104z4ut86egq6r1js3lt4ale8x53wmbp2"
      },
      "cardProductApplication": {
        "__typename": "AccountHolderCardProductApplication",
        "id": "ap_22pcgm04zeomj6avgwa1js3lvibrwk2wvjb6wc"
      },
      "features": [
        {
          "__typename": "DirectDepositFinancialAccountFeature",
          "enabled": true
        },
        {
          "__typename": "PrePaidPaymentCardFinancialAccountFeature",
          "enabled": true
        }
      ],
      "directDepositDetails": {
        "id": "dd_6ad0d38f33594d0b89b17dc0076228b4",
        "restrictedDetails": {
          "__typename": "AccessDeniedError"
        }
      },
      "billingSummary": null,
      "statementSnapshot": null,
      "activeBillingCycleConfiguration": null,
      "delinquency": null,
      "delinquencyState": null,
      "creditConfiguration": null,
      "purchasePlans": [],
      "attachedSpendRules": {
        "edges": []
      },
      "attachedVelocityRules": {
        "edges": []
      },
      "attachedRealtimeRiskRules": {
        "edges": []
      },
      "velocitySpendRuleBalances": [],
      "paymentCards": {
        "edges": []
      },
      "financialAccountActivities": {
        "edges": []
      },
      "transactionEvents": {
        "edges": []
      },
      "installmentAgreements": {
        "edges": []
      },
      "feeTransferEvents": {
        "edges": []
      },
      "customFields": [],
      "userDefinedFields": {
        "edges": []
      }
    }
  }
}

Variables

{
  "cardProductId": "<CARD_PRODUCT_ID>",
  "financialAccountId": "<FINANCIAL_ACCOUNT_ID>"
}

Card Product IDs are prefixed pd_; Financial Account IDs are prefixed ac_. See Entity IDs and Object Types for the full prefix table.

Notes on running

• Highnote caps pagination at 20 items per page. Pass first: 20 or fewer, and page through more results with after set to the endCursor from pageInfo.
• Connection types exposed through a Payload union (for example, RiskRuleConnectionPayload) require an inline fragment such as ... on RiskRuleConnection to reach edges.
• node(id: "…") is the canonical way to fetch any entity by its global ID.
• An enabled flag returns true only when the capability is currently active on the entity.

What is not directly queryable

• Webhook subscriptions are managed through notificationEvents queries and webhook mutations, not on CardProduct or FinancialAccount.
• API key configuration lives outside the Subscriber-facing schema.
• Partner-bank-side state is not directly visible; Highnote exposes partnerBankName and limited derived information.
• Some platform-level configuration (interchange routing, network-side product enablement) is reflected in behavior but not exposed as raw configuration.

Introspection patterns

When You See…	Do This
A Connection field	Paginate with first and after; some accept filterBy
A Payload union (a field whose type ends in Payload)	Use an inline fragment ... on ConcreteType to reach the data
A Feature interface (CardProductFeature, FinancialAccountFeature)	Read enabled on the interface, then inline-fragment per subtype for additional configuration
A rule connection	Nodes are heterogeneous; fragment on the specific rule type for its configuration fields

For the full filter-input shapes (for example, CardProductPaymentCardsFilterInput), introspect them with __type(name: "…") in your GraphQL client, or see the Searching the API guide.

Quick reference

• Start at Query.cardProducts to enumerate your products.
• From each CardProduct, expand features, attachedSpendRules, attachedVelocityRules, creditConfiguration, feeSchedules, cardProfileSets, and accounts.
• From each FinancialAccount, expand features, accountAttributes, billingSummary, directDepositDetails, and the attached… rule and velocity…Balances collections.
• Use node(id: "…") to drill into any specific entity by its global ID.
• Pagination uses first and after; filters use filterBy.

The settings snapshot query returns a comprehensive snapshot in a single round trip.