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Create Card Profile

Overview​

Card profiles define the design and behavior of payment cards. Profiles are grouped into card profile sets — one virtual, one digital, and one physical profile per set.

The card profile set's intent determines which profile types are available: VIRTUAL allows only virtual, DIGITAL allows virtual and digital, and PHYSICAL allows all three.

Payment cards are issued from a profile set and inherit its profiles. Payment cards are accessed through access devices — the form factor a cardholder uses to make a payment, such as an app, digital wallet, plastic card, or embedded device like a wristband.

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 caseExample
Issue cards across multiple BIN typesA 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 colorsOffer co-brand partnerships or different card designs for your account holders to choose from.
Different card experiences for different customer segmentsOffer metal cards to qualifying premium cardholders.
Multiple card behavior configurationsConfigure fleet-specific prompts for issued cards or purchase restrictions for each customer.
Issue cards to embedded devicesLoad virtual cards onto wristbands or other wearables via a Highnote-certified personalization vendor.

Card profiles​

Submit your card art files

To create a card profile, you must first submit your card art files to Highnote. The team will work with you during implementation to create your card profiles and assign them to a card profile set.

Card profiles control the look, feel, and performance of payment cards issued through your card program. 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.

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.
  • Tokenized cards: Cards that are provisioned to an account holder’s digital wallet, such as Apple Pay or Google Wallet.
  • 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.

Card profile sets​

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.

A card profile set always includes a virtual profile (since all cards start virtual) and optionally includes a digital or physical profile, depending on the set's intent.

Default card profile set​

Each card product has a default card profile set, configured by the Highnote team during implementation. When a payment card is issued without a cardProfileSetId, the card product's default set is used automatically.

Card profile set intent​

A card profile set's intent is configured by the Highnote team during implementation based on the card types the program needs to issue. The intent determines which profile types the set supports.

For a program that plans to issue physical cards or cards to embedded devices, the intent is set to PHYSICAL during implementation. This enables the set for all three profile types.

The intent tiers are:

  • VIRTUAL - Restricted tier (can issue virtual cards only)
  • DIGITAL - Limited access tier (can issue digital and virtual cards)
  • PHYSICAL - Full access tier (can issue all card types)

While all cards are first issued as virtual cards, a card profile set with VIRTUAL intent can only issue virtual cards. Issuing digital or physical cards from that card product requires a new card profile set with a broader intent.

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
    }
  }
}