Create Card Profile
Overview
info
The Highnote team will help you create card profiles and card profile sets during implementation.
Payment cards are financial instruments issued to account holders, allowing them to access funds in their financial accounts. To issue a payment card on the Highnote platform, you must create a card profile and configure the intent of your profile set.
Highnote offers three types of card profiles.
- Virtual cards: Cards that are displayed in an app or website and used for online purchases. By default, all payment cards begin as virtual cards.
- Physical cards: Cards that are printed and used for in-person transactions. Highnote offers on-demand and premium physical cards, as well as cards issued to embedded devices like wristbands.
- Tokenized cards: Cards used provisioned to an account holder’s digital wallet, such as Apple Pay or Google Wallet.
Card profiles control the look, feel, and performance of payment cards issued through your card product. They define how your payment cards appear and behave in digital wallets, within your application, and in person. They also track the approval process required by the bank and payment network for issuing payment cards.
To create a card profile, you must first submit your card art files to Highnote. Once the Highnote team receives your card art files, they will work with you during implementation to create your card profiles and assign them to a card profile set.
Use cases
Card profiles extend the flexibility of the Highnote platform by enabling several use cases for customizing and optimizing your card program. Refer to the following table of use cases and examples:
| Use case | Example |
|---|---|
| Issue cards across multiple BIN types | A card program configured with dedicated BINs for specific customers, allowing for the tracking of transactions separately. |
| Manage multiple sets of assets like logos and brand colors | Offer co-brand partnerships or different card designs for your account holders to choose from. |
| Different card experiences for different customer segments | Offer metal cards to qualifying premium cardholders. |
| Multiple card behavior configurations | Configure fleet-specific prompts for issued cards or purchase restrictions for each customer. |
| Issue cards to embedded devices | Load virtual cards onto wristbands or other wearables via a Highnote-certified personalization vendor. |
Card profile sets
After creating card profiles, you can create a card profile set. Card profile sets let you assign a card profile to a card product. A card profile set cannot be applied to more than one card product.
When you issue payment cards, you can use the default card profile set assigned to your card product or specify the card profile set you wish to apply. The card profile set you choose during card issuing is your card profile set intent. Your intent drives the physical, virtual, and digital card designs of the payment cards.
Card profile set intent
Per card product, you must define an intent to use one of the three card profile sets.
For example, if you ever plan on printing physical cards or issuing cards to embedded devices, you must set CardProfileSetIntent to PHYSICAL.
This tells the Highnote platform that your card product is enabled for all three profile types.
Card profile sets are defined as follows:
PHYSICAL- Full access tier (can issue all card types)DIGITAL- Limited access tier (can issue digital and virtual cards)VIRTUAL- Restricted tier (can issue virtual cards only)
While all cards are first issued as virtual cards, if you configure your intent as virtual, you cannot issue digital or physical cards from that set. You must create a new card profile set, rededine your intent, and issue new cards from the new set.
If you define your intent as physical, you keep the option open to issue digital tokenized cards and physical cards.
Find card product card profile set
After the Highnote team has configured your card profiles and card profile sets, you can use the Highnote API to display them in your application or website. Use the following query to find a specific card product's card profile set:
FindCardProfileSet
Query
query findCardProfileSet($id: ID!) {
node(id: $id) {
... on CardProfileSet {
id
name
status
intent
network
preferredConfiguration
createdAt
updatedAt
cardProduct {
id
name
usage
vertical
commercial
}
physicalCardProfiles {
... on PhysicalCardProfile {
id
status
createdAt
updatedAt
paymentNetworkStatus
vendorStatus
vendorName
cardProduct {
id
name
usage
vertical
commercial
}
cardPersonalization {
format
line1 {
line
type
}
line2 {
line
type
}
physicalCardType
}
defaultPaymentCardShipment {
courier {
method
signatureRequiredOnDelivery
}
senderDetails {
name {
givenName
middleName
familyName
}
companyName
address {
streetAddress
extendedAddress
postalCode
region
locality
countryCodeAlpha3
}
}
}
cardArt {
... on CardArtDocument {
id
createdAt
updatedAt
documentType
}
}
}
}
digitalCardProfiles {
... on DigitalCardProfile {
id
status
createdAt
updatedAt
cardProduct {
id
name
usage
vertical
commercial
}
colors {
backgroundColor
cardDescriptorColor
}
cardArt {
... on DigitalCardArtDocument {
cardArt {
id
createdAt
updatedAt
documentType
}
digitalWalletProviders
}
}
}
}
virtualCardProfiles {
... on VirtualCardProfile {
id
status
createdAt
updatedAt
cardProduct {
id
name
usage
vertical
commercial
}
personalization
cardArt {
... on CardArtDocument {
id
createdAt
updatedAt
documentType
}
}
}
}
}
}
}
Variables
{
"id": "CARD_PROFILE_SET_ID"
}
⚠️ Please login to execute queries. Visit the dashboard to authenticate.
Result
{
"data": {
"cardProfileSet": {
"id": "CARD_PROFILE_SET_ID",
"name": "Test",
"status": "PENDING",
"intent": "DIGITAL",
"network": "VISA",
"preferredConfiguration": "true",
"createdAt": "2023-07-14T16:37:55.412Z",
"updatedAt": "2023-07-14T16:37:55.412Z",
"cardProduct": {
"id": "CARD_PRODUCT_ID",
"name": "Test",
"usage": "MULTI_USE",
"vertical": "SECURED_COMMERCIAL_CREDIT",
"commercial": "true"
},
"digitalCardProfiles": [
{
"id": "DIGITAL_CARD_PROFILE_ID",
"status": "IN_REVIEW",
"bankStatus": "IN_REVIEW",
"paymentNetworkStatus": "IN_REVIEW",
"createdAt": "2023-07-14T16:37:55.412Z",
"updatedAt": "2023-07-14T16:37:55.412Z",
"cardHolderAgreementId": "CARD_HOLDER_AGREEMENT_ID",
"externalId": "EXTERNAL_ID",
"defaultProfile": "false",
"cardProduct": {
"id": "CARD_PRODUCT_ID",
"name": "Test",
"usage": "MULTI_USE",
"vertical": "SECURED_COMMERCIAL_CREDIT",
"commercial": "true"
},
"cardArt": {
"documents": [
{
"id": "DOCUMENT_UPLOAD_FILE_ID",
"status": "PENDING",
"documentType": "DIGITAL_FRONT_OF_CARD",
"documentUploadSession": "DOCUMENT_UPLOAD_SESSION_ID",
"createdAt": "2023-07-14T16:37:55.412Z",
"updatedAt": "2023-07-14T16:37:55.412Z",
"uploadUrl": "some_url",
"downloadUrl": "some_url"
},
{
"id": "DOCUMENT_UPLOAD_FILE_ID",
"status": "PENDING",
"documentType": "DIGITAL_BACKGROUND",
"documentUploadSession": "DOCUMENT_UPLOAD_SESSION_ID",
"createdAt": "2023-07-14T16:37:55.412Z",
"updatedAt": "2023-07-14T16:37:55.412Z",
"uploadUrl": "some_url",
"downloadUrl": "some_url"
},
{
"id": "DOCUMENT_UPLOAD_FILE_ID",
"status": "PENDING",
"documentType": "DIGITAL_LOGO",
"documentUploadSession": "DOCUMENT_UPLOAD_SESSION_ID",
"createdAt": "2023-07-14T16:37:55.412Z",
"updatedAt": "2023-07-14T16:37:55.412Z",
"uploadUrl": "some_url",
"downloadUrl": "some_url"
},
{
"id": "DOCUMENT_UPLOAD_FILE_ID",
"status": "PENDING",
"documentType": "DIGITAL_ICON",
"documentUploadSession": "DOCUMENT_UPLOAD_SESSION_ID",
"createdAt": "2023-07-14T16:37:55.412Z",
"updatedAt": "2023-07-14T16:37:55.412Z",
"uploadUrl": "some_url",
"downloadUrl": "some_url"
}
],
"colors": {
"panColor": "rgb(255, 165, 1)",
"backgrounColor": "rgb(225, 15, 38)",
"cardDescriptorColor": "rgb(5, 95, 38)"
},
"provider": [
"IOS",
"GOOGLE"
]
}
},
{
"id": "DIGITAL_CARD_PROFILE_ID",
"status": "IN_REVIEW",
"bankStatus": "IN_REVIEW",
"paymentNetworkStatus": "IN_REVIEW",
"createdAt": "2023-07-14T16:37:55.412Z",
"updatedAt": "2023-07-14T16:37:55.412Z",
"cardHolderAgreementId": "SOME_ID",
"externalId": "SOME_ID",
"defaultProfile": "false",
"cardProduct": {
"id": "CARD_PRODUCT_ID",
"name": "Test",
"usage": "MULTI_USE",
"vertical": "SECURED_COMMERCIAL_CREDIT",
"commercial": "true"
},
"cardArt": {
"documents": [
{
"id": "DOCUMENT_UPLOAD_FILE_ID",
"status": "PENDING",
"documentType": "DIGITAL_FRONT_OF_CARD",
"documentUploadSession": "DOCUMENT_UPLOAD_SESSION_ID",
"createdAt": "2023-07-14T16:37:55.412Z",
"updatedAt": "2023-07-14T16:37:55.412Z",
"uploadUrl": "some_url",
"downloadUrl": "some_url"
},
{
"id": "DOCUMENT_UPLOAD_FILE_ID",
"status": "PENDING",
"documentType": "DIGITAL_BACKGROUND",
"documentUploadSession": "DOCUMENT_UPLOAD_SESSION_ID",
"createdAt": "2023-07-14T16:37:55.412Z",
"updatedAt": "2023-07-14T16:37:55.412Z",
"uploadUrl": "some_url",
"downloadUrl": "some_url"
},
{
"id": "DOCUMENT_UPLOAD_FILE_ID",
"status": "PENDING",
"documentType": "DIGITAL_LOGO",
"documentUploadSession": "DOCUMENT_UPLOAD_SESSION_ID",
"createdAt": "2023-07-14T16:37:55.412Z",
"updatedAt": "2023-07-14T16:37:55.412Z",
"uploadUrl": "some_url",
"downloadUrl": "some_url"
},
{
"id": "DOCUMENT_UPLOAD_FILE_ID",
"status": "PENDING",
"documentType": "DIGITAL_ICON",
"documentUploadSession": "DOCUMENT_UPLOAD_SESSION_ID",
"createdAt": "2023-07-14T16:37:55.412Z",
"updatedAt": "2023-07-14T16:37:55.412Z",
"uploadUrl": "some_url",
"downloadUrl": "some_url"
}
],
"colors": {
"panColor": "rgb(255, 165, 1)",
"backgrounColor": "rgb(225, 15, 38)",
"cardDescriptorColor": "rgb(5, 95, 38)"
},
"provider": [
"IOS",
"GOOGLE"
]
}
},
{
"id": "DIGITAL_CARD_PROFILE_ID",
"status": "IN_REVIEW",
"bankStatus": "IN_REVIEW",
"paymentNetworkStatus": "IN_REVIEW",
"createdAt": "2023-07-14T16:37:55.412Z",
"updatedAt": "2023-07-14T16:37:55.412Z",
"cardHolderAgreementId": "SOME_ID",
"externalId": "SOME_ID",
"defaultProfile": "true",
"cardProduct": {
"id": "CARD_PRODUCT_ID",
"name": "Test",
"usage": "MULTI_USE",
"vertical": "SECURED_COMMERCIAL_CREDIT",
"commercial": "true"
},
"cardArt": {
"documents": [
{
"id": "DOCUMENT_UPLOAD_FILE_ID",
"status": "PENDING",
"documentType": "DIGITAL_FRONT_OF_CARD",
"documentUploadSession": "DOCUMENT_UPLOAD_SESSION_ID",
"createdAt": "2023-07-14T16:37:55.412Z",
"updatedAt": "2023-07-14T16:37:55.412Z",
"uploadUrl": "some_url",
"downloadUrl": "some_url"
},
{
"id": "DOCUMENT_UPLOAD_FILE_ID",
"status": "PENDING",
"documentType": "DIGITAL_BACKGROUND",
"documentUploadSession": "DOCUMENT_UPLOAD_SESSION_ID",
"createdAt": "2023-07-14T16:37:55.412Z",
"updatedAt": "2023-07-14T16:37:55.412Z",
"uploadUrl": "some_url",
"downloadUrl": "some_url"
},
{
"id": "DOCUMENT_UPLOAD_FILE_ID",
"status": "PENDING",
"documentType": "DIGITAL_LOGO",
"documentUploadSession": "DOCUMENT_UPLOAD_SESSION_ID",
"createdAt": "2023-07-14T16:37:55.412Z",
"updatedAt": "2023-07-14T16:37:55.412Z",
"uploadUrl": "some_url",
"downloadUrl": "some_url"
},
{
"id": "DOCUMENT_UPLOAD_FILE_ID",
"status": "PENDING",
"documentType": "DIGITAL_ICON",
"documentUploadSession": "DOCUMENT_UPLOAD_SESSION_ID",
"createdAt": "2023-07-14T16:37:55.412Z",
"updatedAt": "2023-07-14T16:37:55.412Z",
"uploadUrl": "some_url",
"downloadUrl": "some_url"
}
],
"colors": {
"panColor": "rgb(255, 165, 1)",
"backgrounColor": "rgb(225, 15, 38)",
"cardDescriptorColor": "rgb(5, 95, 38)"
},
"provider": [
"IOS",
"GOOGLE"
]
}
}
],
"virtualCardProfiles": [
{
"id": "VIRTUAL_CARD_PROFILE_ID",
"status": "PENDING",
"bankStatus": "PENDING",
"paymentNetworkStatus": "PENDING",
"createdAt": "2023-07-14T16:37:55.412Z",
"updatedAt": "2023-07-14T16:37:55.412Z",
"cardHolderAgreementId": "",
"defaultProfile": "false",
"cardProduct": {
"id": "CARD_PRODUCT_ID",
"name": "Test",
"usage": "MULTI_USE",
"vertical": "SECURED_COMMERCIAL_CREDIT",
"commercial": "true"
},
"cardArt": {
"documents": [
{
"id": "DOCUMENT_UPLOAD_FILE_ID",
"status": "PENDING",
"documentType": "VIRTUAL_FRONT_OF_CARD",
"documentUploadSession": "DOCUMENT_UPLOAD_SESSION_ID",
"createdAt": "2023-07-14T16:37:55.412Z",
"updatedAt": "2023-07-14T16:37:55.412Z",
"uploadUrl": "some_url",
"downloadUrl": "some_url"
}
]
}
},
{
"id": "VIRTUAL_CARD_PROFILE_ID",
"status": "PENDING",
"bankStatus": "PENDING",
"paymentNetworkStatus": "PENDING",
"createdAt": "2023-07-14T16:37:55.412Z",
"updatedAt": "2023-07-14T16:37:55.412Z",
"cardHolderAgreementId": "CARD_HOLDER_AGREEMENT_ID",
"defaultProfile": "false",
"cardProduct": {
"id": "CARD_PRODUCT_ID",
"name": "Test",
"usage": "MULTI_USE",
"vertical": "SECURED_COMMERCIAL_CREDIT",
"commercial": "true"
},
"cardArt": {
"documents": [
{
"id": "DOCUMENT_UPLOAD_FILE_ID",
"status": "PENDING",
"documentType": "VIRTUAL_FRONT_OF_CARD",
"documentUploadSession": "DOCUMENT_UPLOAD_SESSION_ID",
"createdAt": "2023-07-14T16:37:55.412Z",
"updatedAt": "2023-07-14T16:37:55.412Z",
"uploadUrl": "some_url",
"downloadUrl": "some_url"
}
]
}
},
{
"id": "VIRTUAL_CARD_PROFILE_ID",
"status": "PENDING",
"bankStatus": "PENDING",
"paymentNetworkStatus": "PENDING",
"createdAt": "2023-07-14T16:37:55.412Z",
"updatedAt": "2023-07-14T16:37:55.412Z",
"cardHolderAgreementId": "CARD_HOLDER_AGREEMENT_ID",
"defaultProfile": "true",
"cardProduct": {
"id": "CARD_PRODUCT_ID",
"name": "Test",
"usage": "MULTI_USE",
"vertical": "SECURED_COMMERCIAL_CREDIT",
"commercial": "true"
},
"cardArt": {
"documents": [
{
"id": "DOCUMENT_UPLOAD_FILE_ID",
"status": "PENDING",
"documentType": "VIRTUAL_FRONT_OF_CARD",
"documentUploadSession": "DOCUMENT_UPLOAD_SESSION_ID",
"createdAt": "2023-07-14T16:37:55.412Z",
"updatedAt": "2023-07-14T16:37:55.412Z",
"uploadUrl": "some_url",
"downloadUrl": "some_url"
}
]
}
}
]
}
}
}
Find all card profile sets
Use the following query to find all card profile sets across your organization:
CardProfileSets
Query
query cardProfileSets(
$first: Int
$after: String
$filterBy: FilteredCardProfileSetsInput!
) {
cardProfileSets(first: $first, after: $after, filterBy: $filterBy) {
... on CardProfileSetConnection {
pageInfo {
startCursor
endCursor
hasNextPage
hasPreviousPage
}
edges {
cursor
node {
__typename
id
name
intent
network
status
}
}
}
}
}
Variables
{
"filterBy": {
"cardProductId": {
"equals": "CARD_PRODUCT_ID"
},
"status": {
"equals": "APPROVED"
}
}
}
⚠️ Please login to execute queries. Visit the dashboard to authenticate.
Result
{
"data": {
"cardProfileSets": {
"pageInfo": {
"startCursor": "start-cursor",
"endCursor": "end-cursor",
"hasNextPage": false,
"hasPreviousPage": false
},
"edges": [
{
"cursor": "some-cursor",
"node": {
"__typename": "CardProfileSet",
"id": "CARD_PROFILE_SET_ID",
"name": "04 NOV27 Card Profile Set",
"intent": "PHYSICAL",
"network": "MASTERCARD",
"status": "APPROVED"
}
},
{
"cursor": "some-cursor",
"node": {
"__typename": "CardProfileSet",
"id": "CARD_PROFILE_SET_ID",
"name": "04 NOV15 Card Profile Set",
"intent": "PHYSICAL",
"network": "MASTERCARD",
"status": "APPROVED"
}
},
{
"cursor": "some-cursor",
"node": {
"__typename": "CardProfileSet",
"id": "CARD_PROFILE_SET_ID",
"name": "04 NOV15 Card Profile Set",
"intent": "PHYSICAL",
"network": "MASTERCARD",
"status": "APPROVED"
}
},
{
"cursor": "some-cursor",
"node": {
"__typename": "CardProfileSet",
"id": "CARD_PROFILE_SET_ID",
"name": "03 NOV15 Card Profile Set",
"intent": "DIGITAL",
"network": "VISA",
"status": "APPROVED"
}
},
{
"cursor": "some-cursor",
"node": {
"__typename": "CardProfileSet",
"id": "CARD_PROFILE_SET_ID",
"name": "02 NOV15 Card Profile Set",
"intent": "PHYSICAL",
"network": "MASTERCARD",
"status": "APPROVED"
}
},
{
"cursor": "some-cursor",
"node": {
"__typename": "CardProfileSet",
"id": "CARD_PROFILE_SET_ID",
"name": "01 NOV15 Card Profile Set",
"intent": "PHYSICAL",
"network": "VISA",
"status": "APPROVED"
}
},
{
"cursor": "some-cursor",
"node": {
"__typename": "CardProfileSet",
"id": "CARD_PROFILE_SET_ID",
"name": "03 11142023 Card Profile Set",
"intent": "VIRTUAL",
"network": "MASTERCARD",
"status": "APPROVED"
}
},
{
"cursor": "some-cursor",
"node": {
"__typename": "CardProfileSet",
"id": "CARD_PROFILE_SET_ID",
"name": "02 11302023 Card Profile Set",
"intent": "PHYSICAL",
"network": "VISA",
"status": "APPROVED"
}
},
{
"cursor": "some-cursor",
"node": {
"__typename": "CardProfileSet",
"id": "CARD_PROFILE_SET_ID",
"name": "01 11302023 Card Profile Set",
"intent": "PHYSICAL",
"network": "VISA",
"status": "APPROVED"
}
},
{
"cursor": "some-cursor",
"node": {
"__typename": "CardProfileSet",
"id": "CARD_PROFILE_SET_ID",
"name": "Card Profile Set 4",
"intent": "PHYSICAL",
"network": "VISA",
"status": "APPROVED"
}
},
{
"cursor": "some-cursor",
"node": {
"__typename": "CardProfileSet",
"id": "CARD_PROFILE_SET_ID",
"name": "Card Profile Set 3",
"intent": "DIGITAL",
"network": "VISA",
"status": "APPROVED"
}
},
{
"cursor": "some-cursor",
"node": {
"__typename": "CardProfileSet",
"id": "CARD_PROFILE_SET_ID",
"name": "Card Profile Set 2",
"intent": "VIRTUAL",
"network": "VISA",
"status": "APPROVED"
}
},
{
"cursor": "some-cursor",
"node": {
"__typename": "CardProfileSet",
"id": "CARD_PROFILE_SET_ID",
"name": "Card Profile Set 1",
"intent": "VIRTUAL",
"network": "VISA",
"status": "APPROVED"
}
},
{
"cursor": "some-cursor",
"node": {
"__typename": "CardProfileSet",
"id": "CARD_PROFILE_SET_ID",
"name": "Virtual Intent Card Profile Set 2",
"intent": "VIRTUAL",
"network": "VISA",
"status": "APPROVED"
}
},
{
"cursor": "some-cursor",
"node": {
"__typename": "CardProfileSet",
"id": "CARD_PROFILE_SET_ID",
"name": "Virtual Intent Card Profile Set",
"intent": "VIRTUAL",
"network": "VISA",
"status": "APPROVED"
}
}
]
}
},
"extensions": {
"requestId": "REQUEST_ID",
"rateLimit": {
"cost": 22,
"limit": 60060,
"remaining": 60038
}
}
}