94 docs tagged with "Issuing"

Get started with the Highnote platform for card issuance, payment acquiring, credit, and real-time money movement.

Issue and manage payment cards with the Highnote platform. Create card products, onboard account holders, control authorizations with spend rules, and track balances with integrated ledgers.

Monitor and manage account delinquency status, receivables, and collections. Track days delinquent, suspend authorizations, and process charge-offs.

Add payment cards to Apple Pay or Google Wallet using push provisioning. Manage digital wallet tokens, handle identity verification, and simulate provisioning in Test.

Add funds to a financial account using Originated ACH, Non-originated ACH, or transfers from a product funding account.

Fund your product funding account via wire transfers in the Live environment or simulated wire transfers in Test.

Create manual reward point adjustments and query reward point balances and transfer history on financial accounts.

Create virtual card products for accounts payable automation. Onboard business account holders, issue cards with on-demand funding, and configure pseudo balance spending limits.

Create installment credit plans to convert cleared transactions into fixed payment schedules. Define transaction eligibility, attach fee schedules, and manage installment agreements.

Query financial account activity to build transaction feeds for your account holders. Retrieve associated ledgers and display transaction history across all cards on an account.

Securely display payment card details including card number, CVV, and expiration using the Card Viewer SDK with iframe injection and customizable styling.

Display cards in marketing materials following Visa and Mastercard image standards. Includes sample card numbers, issuing statements, and acceptance language.

Send physical check payments from financial accounts. Covers address validation, shipping methods, check events, and signature requirements for checks over $2,000.

Close a financial account by resolving pending authorizations, deactivating cards, and handling unclaimed rewards. Simulate closures in the Test environment.

Partner with other companies to create co-branded card products. Covers the Highnote and Partner Bank approval process.

Make collaborative underwriting decisions on credit applications with Highnote. Approve, deny, or extend alternative offers like secured cards to applicants.

Approve or decline transactions in real time using collaborative authorization webhooks. Register endpoints, verify HMAC signatures, and configure stand-in settings for timeouts.

Access Visa and Mastercard fleet data in collaborative authorization requests including purchase type, driver ID, vehicle ID, odometer reading, and fuel product details.

Create commercial charge card products with pay-in-full terms. Onboard business account holders, open applications, issue cards, and schedule repayments.

Create commercial revolving credit card products. Onboard business account holders, open applications, set credit limits, issue cards, and generate statements.

Create commercial prepaid card products for business expenses and disbursements. Onboard business account holders, issue cards, and fund accounts via ACH or direct deposit.

Create reward redemption configurations with conversion rates and attach them to card products for statement credit redemption.

Create and attach spend rules to card products or individual payment cards. Configure over 15 rule types including amount limits, MCC restrictions, CVV requirements, and merchant country controls.

Add time-based limits to spend rules with velocity controls. Configure daily, weekly, monthly, or per-transaction windows and attach them to card products or individual cards.

Create consumer charge card products with pay-in-full terms. Onboard account holders, open applications, issue cards, and schedule repayments.

Create consumer revolving credit card products. Onboard account holders, open applications, set credit limits, issue cards, schedule repayments, and generate statements.

Create consumer prepaid card products. Onboard account holders, issue cards, fund accounts via ACH or direct deposit, and add cards to digital wallets.

Create card profiles to control the appearance and behavior of virtual, physical, and tokenized cards. Apply a card profile set intent and associate profiles with card products.

Create MCC-based and default reward earn rules, attach rules to card products, and configure earning rates per dollar spent.

Offer secured card products as an alternative to unsecured cards. Collect deposits, transfer funds, and return deposits when account holders graduate to unsecured credit.

Report account holder credit history and repayments to credit bureaus through Bloom Credit integration.

Configure credit plans for revolving credit and installment (BNPL) products. Offer purchase plans, installment agreements, and balance transfer options to account holders.

Generate and deliver prepaid card statements with up to 24 months of history. View remaining fund balance, period dates, and statement entries.

Generate and deliver revolving consumer credit billing statements. View amount due, payment dates, statement entries, interest charges, and pay-off warnings.

Design the cardholder journey from onboarding and application through card issuance, account access, and funding.

Design tokenized card art for Apple Pay and Google Wallet with logo and icon specifications, network approval requirements, and testing guidance.

Display virtual card details using the Card Viewer SDK, show account balances from financial account ledgers, and retrieve account and routing numbers for direct deposit.

Query the revision history of a payment card to track status changes, form factor updates, and reissuance events for compliance and fraud detection.

Handle account holder disputes for fraud, authorization errors, and processing issues. Issue provisional credits, update dispute cases, and resolve chargebacks.

Collect identity verification documents from account holders during manual review using the Document Upload SDK.

View and manage fees for your card products. Query fee schedules, monitor fee activity on financial accounts, search collected fees, and waive fees. Simulate fee schedules in the Test environment.

Query the chronological history of changes to a financial account for auditing, fraud detection, and regulatory compliance.

Look up variable interest rates for credit card products based on the Wall Street Journal (WSJ) Prime Rate. View rates on credit plans, applications, and financial accounts, and waive interest on transfer events.

End-to-end template for issuing fleet credit cards, from account holder onboarding to card product creation and virtual card issuance.

Issue payment cards to embedded devices such as wristbands using a Highnote-certified personalization vendor.

Issue preprinted physical cards for on-the-spot distribution using placeholder financial accounts. Assign cards to account holders and reissue personalized replacements.

Issue financial accounts and virtual cards to approved account holders. Activate cards, set PINs, manage card lineage with PAR and PAN hierarchy, and configure card profile sets.

Schema documentation and sample SQL queries for issuing data in Snowflake, including card transactions, ledger entries, interchange fees, and settlement dates.

Connect external bank accounts using Finicity for verified fund-in transfers or non-verified fund-out transfers.

Connect external bank accounts using Plaid with Hosted URL, Plaid SDK, or direct processor token integration. Supports verified and non-verified accounts.

Change PINs, lock and unlock cards, reissue expiring or damaged cards, report lost or stolen cards, close cards, and locate surcharge-free ATMs.

Submit marketing materials and collateral for Highnote and Partner Bank approval. Covers regulatory requirements including UDAAP and CAN-SPAM compliance.

Withdraw funds from Highnote via Originated ACH or Non-originated ACH using virtual account and routing numbers. Includes same-day ACH cutoff times.

Maintain zero-balance financial accounts with real-time on-demand funding from a source account. Configure pseudo balances with automatic daily, weekly, or monthly resets.

Onboard a business account holder for fleet card programs using the direct API or tokenized flow, with optional fuel tax exemption.

Onboard US Business and US Person account holders, open card product applications, and issue financial accounts with KYC, KYB, and OFAC verification.

Onboard authorized users with tokenization and issue cards from primary or dedicated financial accounts. Configure spend rules per authorized user.

Create authorized users for commercial card products with separate financial accounts and categorized spending. This is the deprecated v1 model.

Plan your physical card ordering process, including approval workflows, manufacturing lead times, and shipping timelines for on-demand and premium cards.

Offer payroll advances tied to employment data with automatic repayment via non-originated ACH.

Design physical cards with on-demand or premium materials. Covers personalization, card art templates, packaging, and Visa and Mastercard design guidelines.

Order individual physical cards with cardholder personalization, CASS-certified address validation, and configurable shipping methods. Monitor order status and simulate fulfillment.

Create group physical card orders for up to 500 cards per batch. Add personalized or blank cards, send orders to the printer, and track fulfillment status.

Redeem reward points for statement credit using a reward redemption configuration.

Reevaluate an approved card product application to update account holder information while preserving the application history.

Collect identity verification documents from account holders when applications are under manual review. Supports PDF, PNG, and JPG uploads.

Collect additional identity verification documents from account holders outside of the application review process using the Document Upload SDK or the Highnote API.

Enable Sardine bring-your-own integration for onboarding risk evaluation. Generate client tokens, simulate risk levels, and look up identity risk scores.

Set up recurring and one-time ACH repayment schedules for credit account holders. Cancel, modify, and monitor scheduled payment status.

Apply SCRA and MLA protections for active-duty service members including interest rate caps and fee restrictions. Verify military status for account holders.

Let customers securely enter and update their card PIN through iframe-based input fields using the Secure Inputs SDK.

Set initial credit limits and create credit limit change requests. Approve or deny increases and decreases with underwriting decisions and adverse action reasons.

Simulate incoming and outgoing wire transfers to your product funding account in the Test environment.

Simulate the account closure workflow in the Test environment, from PENDING_CLOSURE through CLOSED status.

Simulate account delinquency scenarios in the Test environment. Age accounts backward, trigger delinquency attributes, and test charge-off at 180+ days.

Simulate shipping address validation responses in the Test environment using keywords to trigger changed, incomplete, or invalid address results.

Simulate KYC and KYB verification results, document uploads, and application status changes in the Test environment.

Simulate billing statement cycles in the Test environment by shifting end periods and rolling over to the next billing cycle.

Simulate individual and group physical card order lifecycles in the Test environment by transitioning orders through fulfillment statuses.

Simulate collaborative authorization requests in the Test environment to verify your endpoint integration before going live.

Test external bank account connections with Plaid or Finicity using simulated data in the Test environment.

Simulate digital wallet token provisioning and activation in the Test environment to verify Apple Pay and Google Wallet integration.

Simulate Visa and Mastercard fleet authorizations, clearing events, and Level 2 and Level 3 enhanced data in the Test environment.

Simulate ACH repayment workflows in the Test environment. Create test payments, update transfer statuses, and verify ledger impact.

Simulate authorizations, clearing, reversals, refunds, and adjustments in the Test environment. Includes 3D Secure verification for Visa and Mastercard.

Simulate underwriting decisions in the Test environment including credit line assignment, application denial, credit report freezes, fraud alerts, and MLA eligibility.

Create purchase credit plans for standard revolving credit. Define APR, credit limit usage, and payment terms using credit plan templates.

Suspend a financial account to decline all authorizations and block card issuance. Remove the suspension to resume operations.

Understand the transaction lifecycle from authorization through clearing and settlement. Covers single-message and dual-message flows, reversals, refunds, and pending fund expiration.

Transfer funds between Highnote financial accounts in real time for rewards redemption, peer-to-peer payments, or internal company transfers.

Update account holder contact information including address, phone, email, and credit risk attributes like income and employment status.

Update identity information on an in-progress card product application to resolve verification mismatches.

View financial account ledgers, ledger entries, and balances. Understand ledger names, normal balance direction, and financial events for account statements.

Design virtual card art for online purchases. Covers Visa and Mastercard brand mark requirements, PAN and CVV display, and single-use or multi-use options.