aid: highline-fi
name: Highline
description: |
  Highline is an embedded payment infrastructure company whose Pay by Paycheck
  product captures funds from a consumer's payroll before they reach the
  checking account and routes them to billers and lenders. The platform pairs
  with payroll providers to create a split direct deposit at payroll run time,
  so designated bills are paid on time and in full, and the remainder is
  deposited to the consumer's bank as normal. Highline ships an API-first
  developer experience with hosted documentation at docs.highline.co, a Highline
  Link client widget, webhook-based notifications, sandbox simulations, daily
  ACH settlements, and an llms.txt for AI agents. The company is sometimes
  referenced as highline.fi but operates today at highline.co.
type: Index
position: Provider
access: 3rd-Party
image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
tags:
  - Embedded Finance
  - Payroll
  - Payments
  - ACH
  - Bill Pay
  - Lending
  - Direct Deposit
  - API-First
  - Webhooks
  - Pay by Paycheck
url: https://raw.githubusercontent.com/api-evangelist/highline-fi/refs/heads/main/apis.yml
created: '2026-05-23'
modified: '2026-05-23'
specificationVersion: '0.20'
apis:
  - aid: highline-fi:pay-by-paycheck-api
    name: Highline Pay by Paycheck API
    description: |
      The Highline API lets billers, lenders, and platforms verify consumer
      eligibility for paycheck-deduction payments, present the Highline Link
      flow to authorize a connection, submit and manage payment requests, and
      reconcile daily ACH settlements. It is documented at docs.highline.co
      with API keys, webhooks, simulations, and an llms.txt index for AI
      agents.
    humanURL: https://docs.highline.co/
    tags:
      - Payments
      - Eligibility
      - Link
      - Webhooks
      - Settlements
      - Reconciliation
    properties:
      - type: Documentation
        url: https://docs.highline.co/
      - type: Website
        url: https://highline.co/
      - type: Payroll
        url: https://highline.co/payroll/
      - type: PayrollAndHR
        url: https://highline.co/for-payroll-and-hr-providers/
      - type: LLMsTxt
        url: https://docs.highline.co/llms.txt
      - type: LinkedIn
        url: https://www.linkedin.com/company/highlineco/
    features:
      - name: Eligibility API
        description: Check whether a consumer qualifies for Pay by Paycheck based on payroll connections.
      - name: Highline Link
        description: Client-side widget for users to authorize a connection between their employer payroll and the biller or lender.
      - name: Payment Requests
        description: Submit, update, and cancel payment requests for upcoming paychecks.
      - name: Payment Monitoring
        description: Track status of in-flight payments in real time.
      - name: Daily ACH Settlements
        description: Receive funds via same-day or daily ACH batch transfers.
      - name: Reconciliation Reports
        description: Pull settlement reports for arbitrary date ranges.
      - name: Webhooks
        description: Subscribe to payment lifecycle events with signed webhook verification.
      - name: Sandbox Simulations
        description: Test integration flows end-to-end against a sandbox environment.
      - name: llms.txt for AI Agents
        description: Markdown-formatted page index and OpenAPI endpoints exposed at docs.highline.co/llms.txt.
    useCases:
      - name: Lender Loan Repayment
        description: Lenders ensure on-time, in-full loan repayments by collecting from paychecks before consumer checking accounts receive funds.
      - name: Biller Recurring Payments
        description: Billers reduce churn by routing recurring bills through paycheck deductions.
      - name: Payroll Platform Partnership
        description: Payroll providers offer Highline as a partner capability to their employer customers.
      - name: Embedded Consumer Apps
        description: Consumer fintech apps embed Pay by Paycheck for automated bill management.
      - name: Hardship Programs
        description: Lenders and billers offer paycheck-aligned hardship programs to consumers.
    integrations:
      - name: ACH network
      - name: Payroll providers
      - name: Direct deposit systems
      - name: Banking platforms
      - name: Lending platforms
      - name: Billing platforms
    authentication:
      - type: APIKey
        description: API keys issued through the Highline dashboard, with sandbox and live environments.
      - type: Webhooks
        description: Signed webhooks for payment lifecycle events with verification mechanisms.
common:
  - type: Website
    url: https://highline.co/
  - type: Payroll
    url: https://highline.co/payroll/
  - type: PayrollAndHR
    url: https://highline.co/for-payroll-and-hr-providers/
  - type: Documentation
    url: https://docs.highline.co/
  - type: LLMsTxt
    url: https://docs.highline.co/llms.txt
  - type: About
    url: https://highline.co/about/
  - type: Careers
    url: https://highline.co/careers/
  - type: Contact
    url: https://highline.co/contact/
  - type: LinkedIn
    url: https://www.linkedin.com/company/highlineco/
  - type: Crunchbase
    url: https://www.crunchbase.com/organization/HighlineCo
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com