# Highnote Documentation

> Highnote is a card issuance, payment processing, and money movement platform-as-a-service. Build card programs with APIs for issuing virtual, physical, and tokenized payment cards, processing acquiring transactions, and moving funds. This index lists all public documentation pages.
> Full content available at: https://docs.highnote.com/llms-full.txt

## Get Started

- [About Highnote](https://docs.highnote.com/docs/get-started/about-highnote): Get started with the Highnote platform for card issuance, payment acquiring, credit, and real-time money movement.
- [Manage Developers](https://docs.highnote.com/docs/get-started/dashboard/organizations/manage-developers): Add developers to your organization and manage access to API keys, notifications, and events in the Dashboard.
- [Manage Notifications](https://docs.highnote.com/docs/get-started/dashboard/organizations/manage-notifications): Create and manage webhook notification targets, configure event subscriptions, and monitor delivery attempts in the Dashboard.
- [Manage Organization](https://docs.highnote.com/docs/get-started/dashboard/organizations/manage-organization): Invite and remove team members, assign roles, and manage organization settings in the Dashboard.
- [Monitor Events](https://docs.highnote.com/docs/get-started/dashboard/organizations/monitor-events): View event logs, check delivery status, and replay failed notification events in the Dashboard.
- [Roles and Permissions](https://docs.highnote.com/docs/get-started/dashboard/organizations/roles-and-permissions): Review the permissions matrix for Admin and Support Dashboard roles, including access to account holders, cards, financial accounts, transfers, and reports.
- [Using the Highnote Dashboard](https://docs.highnote.com/docs/get-started/dashboard/using-the-dashboard): Navigate the Highnote Dashboard to create API keys, switch between Test and Live environments, and access developer tools.
- [Glossary](https://docs.highnote.com/docs/get-started/introduction/glossary): Look up definitions for card issuance, payment acquiring, compliance, and money movement terms used across Highnote documentation.
- [Launch Checklist](https://docs.highnote.com/docs/get-started/introduction/launch-checklist): Prepare for production launch with checklists for technology readiness, compliance, customer support, risk management, and funding.
- [PCI Data Security Compliance](https://docs.highnote.com/docs/get-started/introduction/pci-dss-compliance): Understand PCI DSS compliance levels and determine your requirements. Use Highnote SDKs with tokenization to reduce your PCI scope to SAQ-A.

## Developers

- [About Developer Resources](https://docs.highnote.com/docs/developers/about-developers): Learn about the Highnote GraphQL API, client-side SDKs, event notifications, and Snowflake Data Share for analytics.
- [Custom Fields for Metadata](https://docs.highnote.com/docs/developers/api/custom-metadata-fields): Add, update, and query custom key-value metadata on financial accounts and payment cards to link external system IDs, tag objects, and filter searches.
- [Entity IDs and Object Types](https://docs.highnote.com/docs/developers/api/entity-ids-and-object-types): How Highnote entity IDs work, how to identify object types using the __typename field, and how to read the placeholder IDs used throughout the documentation.
- [API Error Handling](https://docs.highnote.com/docs/developers/api/error-handling): Handle GraphQL errors using the errors-as-data pattern with UserError types. Use the requestId field to troubleshoot failed requests with Highnote support.
- [Idempotency](https://docs.highnote.com/docs/developers/api/idempotency): Prevent duplicate mutations when retrying failed API requests by providing unique idempotency keys with your requests.
- [Intro to GraphQL](https://docs.highnote.com/docs/developers/api/intro-to-graphql): Learn core GraphQL concepts including queries, mutations, the type system, and Relay pagination as they apply to the Highnote API.
- [API Rate Limiting](https://docs.highnote.com/docs/developers/api/rate-limiting): Manage request count and complexity rate limits, implement exponential backoff for 429 responses, and use webhooks to reduce polling.
- [Request Complexity](https://docs.highnote.com/docs/developers/api/request-complexity): Calculate the computational cost of your GraphQL queries and optimize them to stay within complexity limits.
- [Rotating API Keys](https://docs.highnote.com/docs/developers/api/rotating-keys): Rotate your API keys to maintain security. Create new keys, update your applications, and revoke old keys through the Highnote Dashboard.
- [Highnote Query Language](https://docs.highnote.com/docs/developers/api/search-hql): Search for accounts, cards, transactions, and other objects using Highnote Query Language (HQL).
- [Searching the API](https://docs.highnote.com/docs/developers/api/api-searching-the-api): Search and filter API objects using date, number, string, and enum filters. Combine multiple filters and understand search latency and data retention limits.
- [API Status and Changes](https://docs.highnote.com/docs/developers/api/status-changes): Monitor the operational status of the Highnote platform and GraphQL API, subscribe to incident notifications, and track GraphQL schema changes programmatically.
- [Testing the API](https://docs.highnote.com/docs/developers/api/testing-the-api): Simulate real-time transactions and compliance scenarios in the Highnote Test environment before going live.
- [Using the Highnote API](https://docs.highnote.com/docs/developers/api/using-the-api): Make GraphQL requests to the Highnote API with proper authentication headers, request body structure, and response handling.
- [About Highnote Data Share](https://docs.highnote.com/docs/developers/data-share/about-datashare): Query and analyze your Highnote issuing and acquiring data in Snowflake for reporting, analytics, and reconciliation.
- [Connect to Snowflake](https://docs.highnote.com/docs/developers/data-share/connect-to-snowflake): Set up a Snowflake connection with Highnote, accept data shares through Private Sharing, and start querying card and transaction data.
- [Acquiring Data Dictionary](https://docs.highnote.com/docs/developers/data-share/dictionary-acquiring): Schema documentation and sample SQL queries for acquiring data in Snowflake, including payment transactions, orders, merchant disbursements, and disputes.
- [Issuing Data Dictionary](https://docs.highnote.com/docs/developers/data-share/dictionary-issuing): Schema documentation and sample SQL queries for issuing data in Snowflake, including card transactions, ledger entries, interchange fees, and settlement dates.
- [Events Reference](https://docs.highnote.com/docs/developers/events/events-reference): Look up event notification types by domain with their corresponding API objects.
- [Fetching Events](https://docs.highnote.com/docs/developers/events/fetching-events): Fetch, monitor, and replay notification events. Events are stored for 30 days and can be filtered by type, status, and date.
- [Notifications](https://docs.highnote.com/docs/developers/events/notifications): Set up webhook and email notifications to monitor and respond to events in your integration.
- [Checkout SDK](https://docs.highnote.com/docs/developers/sdks/acquiring/checkout-sdk): Embed a drop-in payment card checkout form using the Checkout SDK. Collects card details securely via iframe without PCI data exposure.
- [Secure Inputs SDK for Tokenization](https://docs.highnote.com/docs/developers/sdks/acquiring/secure-inputs-sdk-tokenization): Build custom payment card input fields that tokenize card data securely via iframe using the Secure Inputs SDK.
- [Sardine Processor API](https://docs.highnote.com/docs/developers/sdks/issuing/sardine-processor-api): Enable Sardine bring-your-own integration for onboarding risk evaluation. Generate client tokens, simulate risk levels, and look up identity risk scores.
- [Card Viewer SDK](https://docs.highnote.com/docs/developers/sdks/issuing/card-viewer-sdk): Securely display payment card details including card number, CVV, and expiration using the Card Viewer SDK with iframe injection and customizable styling.
- [Document Upload SDK](https://docs.highnote.com/docs/developers/sdks/issuing/document-upload-sdk): Collect identity verification documents from account holders during manual review using the Document Upload SDK.
- [Secure Inputs SDK for PINs](https://docs.highnote.com/docs/developers/sdks/issuing/secure-inputs-sdk-pins): Let customers securely enter and update their card PIN through iframe-based input fields using the Secure Inputs SDK.
- [SDK Overview](https://docs.highnote.com/docs/developers/sdks/about-sdks): Choose the right Highnote SDK for your use case. Covers Card Viewer, Checkout, Secure Inputs, and Document Upload for issuing and acquiring integrations.
- [Client Tokens](https://docs.highnote.com/docs/developers/sdks/client-tokens): Generate short-lived client tokens to authorize client-side operations like tokenizing account holders, viewing card details, and setting PINs.
- [Installation](https://docs.highnote.com/docs/developers/sdks/installation): Install Highnote SDKs using npm, yarn, pnpm, or CDN script tags.
- [Supported Packages and Browsers](https://docs.highnote.com/docs/developers/sdks/supported-packages): Verify SDK compatibility with Node 18+ and supported browsers including Chrome, Safari, Firefox, Edge, and mobile.

## Issuing

- [About Issuing Cards](https://docs.highnote.com/docs/issuing/about-issuing): 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.
- [Add Funds to a Financial Account](https://docs.highnote.com/docs/issuing/accounts/funding/add-funds-to-account): Add funds to a financial account using Originated ACH, Non-originated ACH, or transfers from a product funding account.
- [Add Funds to your Program Funding Account Balance](https://docs.highnote.com/docs/issuing/accounts/funding/add-funds-to-balance): Fund your product funding account via wire transfers in the Live environment or simulated wire transfers in Test.
- [Check Payment](https://docs.highnote.com/docs/issuing/accounts/funding/check-payment): Send physical check payments from financial accounts. Covers address validation, shipping methods, check events, and signature requirements for checks over $2,000.
- [Link External Accounts with Finicity](https://docs.highnote.com/docs/issuing/accounts/funding/connect-external-accounts-finicity): Connect external bank accounts using Finicity for verified fund-in transfers or non-verified fund-out transfers.
- [Link External Accounts with Plaid](https://docs.highnote.com/docs/issuing/accounts/funding/connect-external-accounts): Connect external bank accounts using Plaid with Hosted URL, Plaid SDK, or direct processor token integration. Supports verified and non-verified accounts.
- [Move Funds Out of Highnote](https://docs.highnote.com/docs/issuing/accounts/funding/move-funds-out-of-highnote): Withdraw funds from Highnote via Originated ACH or Non-originated ACH using virtual account and routing numbers. Includes same-day ACH cutoff times.
- [On-demand Funding](https://docs.highnote.com/docs/issuing/accounts/funding/on-demand-funding): 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.
- [Payroll Advance](https://docs.highnote.com/docs/issuing/accounts/funding/payroll-advance): Offer payroll advances tied to employment data with automatic repayment via non-originated ACH.
- [Simulate Connecting a Bank Account](https://docs.highnote.com/docs/issuing/accounts/funding/sim-connecting-ext-account): Test external bank account connections with Plaid or Finicity using simulated data in the Test environment.
- [Simulate a Wire Transfer](https://docs.highnote.com/docs/issuing/accounts/funding/sim-wire-transfer): Simulate incoming and outgoing wire transfers to your product funding account in the Test environment.
- [Transfer Funds between Financial Accounts](https://docs.highnote.com/docs/issuing/accounts/funding/transfer-btwn-financial-accts): Transfer funds between Highnote financial accounts in real time for rewards redemption, peer-to-peer payments, or internal company transfers.
- [Using Ledgers](https://docs.highnote.com/docs/issuing/accounts/funding/using-ledgers): View financial account ledgers, ledger entries, and balances. Understand ledger names, normal balance direction, and financial events for account statements.
- [Application Denials](https://docs.highnote.com/docs/issuing/accounts/onboarding/application-denials): Understand why a card product application is denied: the general application denial reasons, inactivity denials, how the reason is delivered in notifications, and how it relates to credit adverse action codes.
- [Onboard Authorized Users (deprecated)](https://docs.highnote.com/docs/issuing/accounts/onboarding/authorized-users-v1): Create authorized users for commercial card products with separate financial accounts and categorized spending. This is the deprecated v1 model.
- [Onboard Authorized Users](https://docs.highnote.com/docs/issuing/accounts/onboarding/authorized-users): Onboard authorized users with tokenization and issue cards from primary or dedicated financial accounts. Configure spend rules per authorized user.
- [Close an Account](https://docs.highnote.com/docs/issuing/accounts/onboarding/close-an-account): Close a financial account in the Test environment or contact Highnote to close one in Live. Resolve closure blockers and simulate closures to test status changes.
- [Financial Account Revisions](https://docs.highnote.com/docs/issuing/accounts/onboarding/financial-account-revisions): Query the chronological history of changes to a financial account for auditing, fraud detection, and regulatory compliance.
- [Onboard an Account](https://docs.highnote.com/docs/issuing/accounts/onboarding/onboard-an-account): Onboard US Business and US Person account holders, open card product applications, and issue financial accounts with KYC, KYB, and OFAC verification.
- [Onboard a Fleet Account](https://docs.highnote.com/docs/issuing/accounts/onboarding/onboard-fleet): Onboard a business account holder for fleet card programs using the direct API or tokenized flow, with optional fuel tax exemption.
- [Reevaluate an Application](https://docs.highnote.com/docs/issuing/accounts/onboarding/reevaluate-application): Reevaluate an approved card product application to update account holder information while preserving the application history.
- [Request Documents for Application Review](https://docs.highnote.com/docs/issuing/accounts/onboarding/request-docs-for-app-review): Collect identity verification documents from account holders when applications are under manual review. Supports PDF, PNG, and JPG uploads.
- [Request Documents On-Demand](https://docs.highnote.com/docs/issuing/accounts/onboarding/request-docs-on-demand): Collect additional identity verification documents from account holders outside of the application review process using the Document Upload SDK or the Highnote API.
- [Simulate Account Closure](https://docs.highnote.com/docs/issuing/accounts/onboarding/sim-account-closure): Simulate the account closure workflow in the Test environment, from PENDING_CLOSURE through CLOSED status.
- [Simulate Application Review](https://docs.highnote.com/docs/issuing/accounts/onboarding/sim-application-review): Simulate KYC and KYB verification results, document uploads, and application status changes in the Test environment.
- [Update Account Information](https://docs.highnote.com/docs/issuing/accounts/onboarding/update-account-info): Update account holder contact information including address, phone, email, and credit risk attributes like income and employment status.
- [Update Identity Information](https://docs.highnote.com/docs/issuing/accounts/onboarding/update-identity-info): Update identity information on an in-progress card product application to resolve verification mismatches.
- [Design Your Card Experience](https://docs.highnote.com/docs/issuing/cards/design/design-card-experience): Design the cardholder journey from onboarding and application through card issuance, account access, and funding.
- [Ordering Physical Cards](https://docs.highnote.com/docs/issuing/cards/design/ordering-physical-cards): Plan your physical card ordering process, including approval workflows, manufacturing lead times, and shipping timelines for on-demand and premium cards.
- [Physical Card Design](https://docs.highnote.com/docs/issuing/cards/design/physical-cards): Design physical cards with on-demand or premium materials. Covers personalization, card art templates, packaging, and Visa and Mastercard design guidelines.
- [Digital Wallet Tokenized Card Design](https://docs.highnote.com/docs/issuing/cards/design/tokenized-cards): Design tokenized card art for Apple Pay and Google Wallet with logo and icon specifications, network approval requirements, and testing guidance.
- [Virtual Card Design](https://docs.highnote.com/docs/issuing/cards/design/virtual-cards): 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.
- [Add Cards to Digital Wallets](https://docs.highnote.com/docs/issuing/cards/issue/add-cards-to-digital-wallets): Add payment cards to Apple Pay or Google Wallet using push provisioning, including provisioning decline controls. Manage digital wallet tokens, handle identity verification, and simulate provisioning in Test.
- [Create Card Profile](https://docs.highnote.com/docs/issuing/cards/issue/create-card-profile): 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.
- [Issue Cards to Embedded Devices](https://docs.highnote.com/docs/issuing/cards/issue/embedded-devices): Issue payment cards to embedded devices such as wristbands using a Highnote-certified personalization vendor.
- [Issue Preprinted Physical Cards](https://docs.highnote.com/docs/issuing/cards/issue/issue-preprinted-physical-cards): Issue preprinted physical cards for on-the-spot distribution using placeholder financial accounts. Assign cards to account holders and reissue personalized replacements.
- [Issue Virtual Cards](https://docs.highnote.com/docs/issuing/cards/issue/issue-virtual-cards): 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.
- [Print Physical Cards in Bulk](https://docs.highnote.com/docs/issuing/cards/issue/print-physical-cards-bulk): 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.
- [Print Physical Cards](https://docs.highnote.com/docs/issuing/cards/issue/print-physical-cards): Order individual physical cards with cardholder personalization, CASS-certified address validation, and configurable shipping methods. Monitor order status and simulate fulfillment.
- [Display Card and Account Details](https://docs.highnote.com/docs/issuing/cards/manage/display-card-and-acct-details): 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.
- [Manage Cards](https://docs.highnote.com/docs/issuing/cards/manage/manage-cards): Change PINs, lock and unlock cards, reissue expiring or damaged cards, report lost or stolen cards, close cards, and locate surcharge-free ATMs.
- [Payment Card Revisions](https://docs.highnote.com/docs/issuing/cards/manage/payment-card-revisions): Query the revision history of a payment card to track status changes, form factor updates, and reissuance events for compliance and fraud detection.
- [Co-Brands](https://docs.highnote.com/docs/issuing/cards/marketing/co-brands): Partner with other companies to create co-branded card products. Covers the Highnote and Partner Bank approval process.
- [Marketing and Collateral](https://docs.highnote.com/docs/issuing/cards/marketing/marketing-and-collateral): Submit marketing materials and collateral for Highnote and Partner Bank approval. Covers regulatory requirements including UDAAP and CAN-SPAM compliance.
- [Cards in Marketing](https://docs.highnote.com/docs/issuing/cards/marketing/advertising-guidelines): Display cards in marketing materials following Visa and Mastercard image standards. Includes sample card numbers, issuing statements, and acceptance language.
- [Simulate Address Validation](https://docs.highnote.com/docs/issuing/cards/simulations/sim-address-validation): Simulate shipping address validation responses in the Test environment using keywords to trigger changed, incomplete, or invalid address results.
- [Simulate Card Order Fulfillment](https://docs.highnote.com/docs/issuing/cards/simulations/sim-card-order-fulfillment): Simulate individual and group physical card order lifecycles in the Test environment by transitioning orders through fulfillment statuses.
- [Simulate Digital Wallet Token Provisioning](https://docs.highnote.com/docs/issuing/cards/simulations/sim-digital-wallet-tokens): Simulate digital wallet token provisioning and activation in the Test environment to verify Apple Pay and Google Wallet integration.
- [Credit Overview](https://docs.highnote.com/docs/issuing/credit/about-credit): Configure credit plans for revolving credit and installment (BNPL) products. Offer purchase plans, installment agreements, and balance transfer options to account holders.
- [Account Delinquency](https://docs.highnote.com/docs/issuing/credit/account-delinquency): Monitor and manage account delinquency status, receivables, and collections. Track days delinquent, suspend authorizations, and process charge-offs.
- [Collaborative Application Decisioning](https://docs.highnote.com/docs/issuing/credit/collaborative-app-decisioning): Make collaborative underwriting decisions on credit applications with Highnote. Approve, deny, or extend alternative offers like secured cards to applicants.
- [Over-Limit Transactions](https://docs.highnote.com/docs/issuing/credit/over-limit-transactions): Authorize credit card purchases that exceed the financial account's credit limit using variance spend rules and the Credit Limit Variance product feature.
- [Schedule Repayments](https://docs.highnote.com/docs/issuing/credit/schedule-repayments): Set up recurring and one-time ACH repayment schedules for credit account holders. Cancel, modify, and monitor scheduled payment status.
- [Create Secured Deposit Offer](https://docs.highnote.com/docs/issuing/credit/secured-deposit-offers): Offer secured card products as an alternative to unsecured cards. Collect deposits, transfer funds, and return deposits when account holders graduate to unsecured credit.
- [BNPL and Flexible Installments](https://docs.highnote.com/docs/issuing/credit/revolving/credit-plans-bnpl): Create installment credit plans to convert cleared transactions into fixed payment schedules. Define transaction eligibility, attach fee schedules, and manage installment agreements.
- [Standard Credit Purchase](https://docs.highnote.com/docs/issuing/credit/revolving/credit-plans-standard-purchase): Create purchase credit plans for standard revolving credit. Define APR, credit limit usage, and payment terms using credit plan templates.
- [Find Variable Interest Rates](https://docs.highnote.com/docs/issuing/credit/revolving/find-variable-interest-rates): 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.
- [Credit Bureau Reporting](https://docs.highnote.com/docs/issuing/credit/revolving/reporting-credit-bureau-consumer): Report account holder credit history and repayments to credit bureaus through Bloom Credit integration.
- [SCRA and MLA](https://docs.highnote.com/docs/issuing/credit/revolving/scra-and-mla): Apply SCRA and MLA protections for active-duty service members including interest rate caps and fee restrictions. Verify military status for account holders.
- [Set and Update Credit Limits](https://docs.highnote.com/docs/issuing/credit/revolving/set-and-update-limits): Set initial credit limits and create credit limit change requests. Approve or deny increases and decreases with underwriting decisions and adverse action reasons.
- [Simulate Account Delinquency](https://docs.highnote.com/docs/issuing/credit/simulations/sim-account-delinquency): Simulate account delinquency scenarios in the Test environment. Age accounts backward, trigger delinquency attributes, and test charge-off at 180+ days.
- [Simulate Billing Statements](https://docs.highnote.com/docs/issuing/credit/simulations/sim-billing-statements): Simulate billing statement cycles in the Test environment by shifting end periods and rolling over to the next billing cycle.
- [Simulate Repayments](https://docs.highnote.com/docs/issuing/credit/simulations/sim-repayments): Simulate ACH repayment workflows in the Test environment. Create test payments, update transfer statuses, and verify ledger impact.
- [Simulate Underwriting Decisions](https://docs.highnote.com/docs/issuing/credit/simulations/sim-underwriting-decisions): Simulate underwriting decisions in the Test environment including credit line assignment, application denial, credit report freezes, fraud alerts, and MLA eligibility.
- [Deliver Revolving Consumer Credit Statements](https://docs.highnote.com/docs/issuing/credit/statements/credit-statement-rev-consumer): Generate and deliver revolving consumer credit billing statements. View amount due, payment dates, statement entries, interest charges, and pay-off warnings.
- [Deliver Prepaid Statements](https://docs.highnote.com/docs/issuing/credit/statements/prepaid-statement): Generate and deliver prepaid card statements with up to 24 months of history. View remaining fund balance, period dates, and statement entries.
- [About Highnote Reporting](https://docs.highnote.com/docs/issuing/reporting/about-reporting): List, retrieve, and download pre-built reports for your card program through the Highnote API. Covers report types, usage limits, status tracking, and authentication.
- [ACH Event Activity Report](https://docs.highnote.com/docs/issuing/reporting/ach-event-activity-report): Track ACH event activity across financial accounts including originated and non-originated transfers, settlement dates, and return status.
- [Card Interchange Activity Report](https://docs.highnote.com/docs/issuing/reporting/card-interchange-activity-report): View transaction-level card interchange and settlement activity including interchange amounts, network rate codes, and merchant details.
- [Card Transaction Activity Report](https://docs.highnote.com/docs/issuing/reporting/card-transaction-activity-report): View card transaction event activity across accounts including authorization details, settlement dates, merchant information, and AVS and CVV response codes.
- [Credit Loan Tape Report](https://docs.highnote.com/docs/issuing/reporting/credit-loan-tape-report): Track your consumer credit card portfolio with point-in-time snapshots of account status, delinquency, credit limits, utilization, and charge-off information.
- [Fleet Enhanced Data Summary Report](https://docs.highnote.com/docs/issuing/reporting/fleet-enhanced-data-summary-report): Track Level 2 and Level 3 enhanced data from Visa and Mastercard for cleared fleet transactions including fuel type, quantity, and driver and vehicle identifiers.
- [Ledger Entry Report](https://docs.highnote.com/docs/issuing/reporting/ledger-entry-report): View ledger entries across all financial accounts including financial events, change amounts, balance direction, and ledger type.
- [Negative Account Balance Report](https://docs.highnote.com/docs/issuing/reporting/negative-account-balance-report): Monitor negative balances across financial accounts with aging duration, latest balance updates, and date turned negative.
- [Receivable Sale Reports](https://docs.highnote.com/docs/issuing/reporting/receivable-sale-reports): Review receivable sale statements, account-level sales, and transaction-level sales data. Generated automatically on business days.
- [Summary Metrics](https://docs.highnote.com/docs/issuing/reporting/summary-metrics): Query application and transaction metrics for your card products including approval rates, decline reasons, and cleared transaction volumes.
- [Transfer Event Activity Report](https://docs.highnote.com/docs/issuing/reporting/transfer-event-activity-report): Track transfer event activity across financial accounts including status, activity type, purpose, and transfer direction.
- [Adjust and Find Rewards](https://docs.highnote.com/docs/issuing/rewards/adjust-and-find-rewards): Create manual reward point adjustments and query reward point balances and transfer history on financial accounts.
- [Configure Reward Redemption](https://docs.highnote.com/docs/issuing/rewards/config-reward-redemption): Create reward redemption configurations with conversion rates and attach them to card products for statement credit redemption.
- [Create Reward Earn Rule](https://docs.highnote.com/docs/issuing/rewards/create-reward-earn-rule): Create MCC-based and default reward earn rules, attach rules to card products, and configure earning rates per dollar spent.
- [Redeem Rewards](https://docs.highnote.com/docs/issuing/rewards/redeem-rewards): Redeem reward points for statement credit using a reward redemption configuration.
- [Collaborative Authorization Fleet Data](https://docs.highnote.com/docs/issuing/spend-controls/collaborative-authorization-fleet): Access Visa and Mastercard fleet data in collaborative authorization requests including purchase type, driver ID, vehicle ID, odometer reading, and fuel product details.
- [Collaborative Authorization](https://docs.highnote.com/docs/issuing/spend-controls/collaborative-authorization): Approve or decline transactions in real time using collaborative authorization webhooks. Register endpoints, verify HMAC signatures, and configure stand-in settings for timeouts.
- [Configure Spend Rules](https://docs.highnote.com/docs/issuing/spend-controls/spend-rules): 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.
- [Configure Velocity Controls](https://docs.highnote.com/docs/issuing/spend-controls/velocity-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.
- [Simulate Collaborative Authorization](https://docs.highnote.com/docs/issuing/spend-controls/sim-collaborative-authorization): Simulate collaborative authorization requests in the Test environment to verify your endpoint integration before going live.
- [Suspend an Account](https://docs.highnote.com/docs/issuing/spend-controls/suspend-account): Suspend a financial account to decline all authorizations and block card issuance. Remove the suspension to resume operations.
- [AP Automation Template](https://docs.highnote.com/docs/issuing/templates/ap-automation): Create virtual card products for accounts payable automation. Onboard business account holders, issue cards with on-demand funding, and configure pseudo balance spending limits.
- [Commercial Charge Template](https://docs.highnote.com/docs/issuing/templates/commercial-charge): Create commercial charge card products with pay-in-full terms. Onboard business account holders, open applications, issue cards, and schedule repayments.
- [Consumer Charge Template](https://docs.highnote.com/docs/issuing/templates/consumer-charge): Create consumer charge card products with pay-in-full terms. Onboard account holders, open applications, issue cards, and schedule repayments.
- [Commercial Credit Template](https://docs.highnote.com/docs/issuing/templates/commercial-credit): Create commercial revolving credit card products. Onboard business account holders, open applications, set credit limits, issue cards, and generate statements.
- [Consumer Credit Template](https://docs.highnote.com/docs/issuing/templates/consumer-credit): Create consumer revolving credit card products. Onboard account holders, open applications, set credit limits, issue cards, schedule repayments, and generate statements.
- [Fleet Credit Template](https://docs.highnote.com/docs/issuing/templates/fleet-credit): End-to-end template for issuing fleet credit cards, from account holder onboarding to card product creation and virtual card issuance.
- [Commercial Prepaid Template](https://docs.highnote.com/docs/issuing/templates/commercial-prepaid): Create commercial prepaid card products for business expenses and disbursements. Onboard business account holders, issue cards, and fund accounts via ACH or direct deposit.
- [Consumer Prepaid Template](https://docs.highnote.com/docs/issuing/templates/consumer-prepaid): Create consumer prepaid card products. Onboard account holders, issue cards, fund accounts via ACH or direct deposit, and add cards to digital wallets.
- [Virtual Card Express Template](https://docs.highnote.com/docs/issuing/templates/vcx): Issue virtual cards for AP automation with minimal integration. Use the VCX quick start mutation to create a financial account and card in one step, set pseudo balance spending limits, and display card details with the Card Viewer SDK.
- [Build a Transaction Feed](https://docs.highnote.com/docs/issuing/transactions/transaction-feed): 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.
- [Disputes and Chargebacks](https://docs.highnote.com/docs/issuing/transactions/disputes): Handle account holder disputes for fraud, authorization errors, and processing issues. Issue provisional credits, update dispute cases, and resolve chargebacks.
- [Fees](https://docs.highnote.com/docs/issuing/transactions/fees): 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.
- [Simulate Fleet Transactions](https://docs.highnote.com/docs/issuing/transactions/sim-fleet-transactions): Simulate Visa and Mastercard fleet authorizations, clearing events, and Level 2 and Level 3 enhanced data in the Test environment.
- [Simulate Transactions](https://docs.highnote.com/docs/issuing/transactions/sim-transactions): Simulate authorizations, clearing, reversals, refunds, and adjustments in the Test environment. Includes 3D Secure verification for Visa and Mastercard.
- [Transaction Lifecycle](https://docs.highnote.com/docs/issuing/transactions/transaction-lifecycle): Understand the transaction lifecycle from authorization through clearing and settlement. Covers single-message and dual-message flows, reversals, refunds, and pending fund expiration.

## Acquiring

- [About Acquiring Payments](https://docs.highnote.com/docs/acquiring/about-acquiring): Accept payments with the Highnote acquiring platform using tokenized or PCI SAQ-D compliant integration paths. Supports one-time, recurring, and digital wallet payments.
- [About Disputes](https://docs.highnote.com/docs/acquiring/disputes/about-disputes): Understand acquiring disputes: how chargebacks begin, the four dispute categories, and the stages from chargeback to arbitration.
- [API Sequence Diagram](https://docs.highnote.com/docs/acquiring/disputes/api-sequence-diagram): API sequence diagram of the five acquiring dispute stages, with Visa's allocation and collaboration workflow differences.
- [Categories and Stages](https://docs.highnote.com/docs/acquiring/disputes/categories-stages): Reference for acquiring dispute categories, dispute and stage statuses, stage response windows, and the category-stage status matrix.
- [Accepting Disputes](https://docs.highnote.com/docs/acquiring/disputes/accepting): Accept an acquiring dispute with acceptAndFinalizeCardPaymentDispute, resolving it in favor of the issuer for the full disputed amount.
- [Challenging Disputes](https://docs.highnote.com/docs/acquiring/disputes/challenging): Challenge an acquiring dispute through the API: upload evidence to the active stage, answer the category's questionnaire, and submit your response.
- [Monitoring Disputes](https://docs.highnote.com/docs/acquiring/disputes/monitoring): Observe acquiring disputes and their lifecycle stages through the CardPaymentDispute read model and webhook events, and track each dispute's financial impact.
- [Evidence Questionnaires](https://docs.highnote.com/docs/acquiring/disputes/questionnaires): Field-by-field reference for acquiring dispute evidence questionnaires: ProcessingErrorQuestionnaire, ConsumerDisputeQuestionnaire, and their supporting enums.
- [Network Reason Codes](https://docs.highnote.com/docs/acquiring/disputes/reason-codes): How Visa and Mastercard dispute reason codes map to Highnote's four acquiring dispute categories, with full code tables for each network.
- [Simulating Disputes](https://docs.highnote.com/docs/acquiring/disputes/sim-disputes): Drive an acquiring dispute through its lifecycle in the Test environment: originate a dispute, respond to it, and simulate the issuer's decision.
- [Business Onboarding](https://docs.highnote.com/docs/acquiring/onboarding/business-onboarding): Onboard a business to accept card payments or move money using the createBusiness and onboardBusiness mutations.
- [Incremental Authorization](https://docs.highnote.com/docs/acquiring/payments/incremental-authorization): Increase the authorized amount on an existing payment transaction without creating a new authorization. Covers network constraints for Visa and Mastercard, including zero-dollar authorization for extending expiration dates.
- [Merchant Descriptors](https://docs.highnote.com/docs/acquiring/payments/merchant-descriptors): Understand how Highnote builds merchant descriptors for acquiring transactions and how to pass a per-transaction suffix through the API.
- [Migrate to the Consolidated Payment Mutations](https://docs.highnote.com/docs/acquiring/payments/migrate-payment-mutations): Migrate from the credential-specific acquiring mutations to authorizePaymentTransaction, chargePaymentTransaction, and reversePaymentTransaction.
- [Online Payments](https://docs.highnote.com/docs/acquiring/payments/online-payments): Process online payments across Visa, Mastercard, Discover, American Express, and Maestro networks. Authorize, charge, capture, refund, and reverse payment transactions.
- [Payment Orders](https://docs.highnote.com/docs/acquiring/payments/payment-orders): Create payment orders with catalog items and payment instructions to simplify payment collection and automated disbursement to financial accounts.
- [Credential on File Installments](https://docs.highnote.com/docs/acquiring/payments/credential-on-file/cof-installments): Split a payment into multiple scheduled installments using Credential on File. The first payment is customer-initiated (CIT) and follow-on payments are merchant-initiated (MIT). Includes Mastercard Single Authorization Multiple Capture (SAMC).
- [Credential on File Payments](https://docs.highnote.com/docs/acquiring/payments/credential-on-file/cof-payments): Reuse stored payment card details for unscheduled and recurring purchases with Credential on File (COF). Supports internal and external COF transactions with network token integration.
- [Merchant Pricing](https://docs.highnote.com/docs/acquiring/pricing/merchant-pricing): Define how acquiring processing charges are calculated for a merchant with pricing plans, validate them with simulation, and apply them with pricing configurations.
- [Simulate Authorizations and Refunds](https://docs.highnote.com/docs/acquiring/simulations/sim-auths-and-refunds): Test payment authorizations and declines in the Highnote sandbox using test card numbers for Visa and Mastercard. Includes decline codes, retry policies, and test PANs.
- [Display Transactions](https://docs.highnote.com/docs/acquiring/transactions/display-transactions): Query and display payment transaction data, build filtered transaction lists, and show transaction details from the Highnote acquiring API.
- [Transaction Fees](https://docs.highnote.com/docs/acquiring/transactions/transaction-fees): Fee breakdown surfaced on acquiring payment transactions — interchange, merchant, and network fees with accounting direction.

## Money Movement

- [About Money Movement](https://docs.highnote.com/docs/money-movement/about-money-movement): Move funds across ACH, wire transfers, Real-Time Payments (RTP), and Instant Network Transfers using a single API with intelligent routing based on cost, speed, and destination.
- [Linking Accounts with Plaid](https://docs.highnote.com/docs/money-movement/account-linking/plaid): Verify and link external bank accounts using Plaid or Finicity. Choose from Hosted URL, Plaid SDK, or direct processor token integration paths.
- [Money Movement Use Cases](https://docs.highnote.com/docs/money-movement/use-cases): Explore money movement use cases including payroll, earned wage access (EWA), gig worker payouts, corporate disbursements, and stablecoin wallet onramp and offramp.
- [ACH Transfers](https://docs.highnote.com/docs/money-movement/payment-rails/ach-transfers): Process routine, high-volume payments between U.S. bank accounts using ACH. Supports originated and non-originated transfers with same-day, next-day, or standard processing.
- [Instant Network Transfers](https://docs.highnote.com/docs/money-movement/payment-rails/int-transfers): Transfer funds from Highnote-issued cards to external debit and prepaid cards using Visa Direct or Mastercard Send. Supports single-use and reusable payment method tokens.
- [Transfer Funds API](https://docs.highnote.com/docs/money-movement/payment-rails/transfer-funds-api): Move money in a single API call using Real-Time Payments or Instant Network Transfers via Visa Direct OCT/AFT and Mastercard MoneySend Payment/Funding. Supports push-to-card, pull-from-card, and bank transfers.
- [Wire Transfers](https://docs.highnote.com/docs/money-movement/payment-rails/wire-transfers): Move funds between Highnote financial accounts and external bank accounts via Fedwire with same-day settlement. Covers incoming and outgoing wire transfers with approval workflows.