aid: highnote url: https://raw.githubusercontent.com/api-evangelist/highnote/refs/heads/main/apis.yml name: Highnote kind: company description: Highnote is a modern, unified embedded-finance platform for card issuing, acquiring, credit, and real-time money movement, with a built-in ledger and program management. The entire platform is driven by a single GraphQL API at https://api.us.highnote.com/graphql, authenticated with a base64-encoded API key over HTTP Basic auth, covering card products, account holders (persons and businesses), financial accounts, payment cards, transactions/authorizations, transfers, collaborative authorization, spend/velocity rules, and webhook notifications. image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg tags: - Card Issuing - Embedded Finance - Fintech - Payments - GraphQL - Ledger - Credit created: '2026-06-20' modified: '2026-06-20' specificationVersion: '0.19' apis: - aid: highnote:card-issuing name: Highnote Card Issuing API tags: - Card Products - Payment Cards - Virtual Cards - Physical Cards - GraphQL image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.highnote.com/docs/issuing/get-started-issuing/issuing-overview baseURL: https://api.us.highnote.com/graphql properties: - url: https://docs.highnote.com/docs/issuing/get-started-issuing/issuing-overview type: Documentation - url: https://docs.highnote.com/docs/api-reference/mutation type: APIReference - url: graphql/highnote-graphql.md type: GraphQL - url: openapi/highnote-openapi.yml type: OpenAPI description: Create and configure card products (createCardProduct), issue virtual, physical, and tokenized digital payment cards (issuePaymentCardForApplication, createPhysicalCardGroupOrder), activate and close cards, push-provision to Apple Pay / Google Pay, and attach spend and velocity rules. Driven through the single GraphQL endpoint with Basic auth. - aid: highnote:account-holders name: Highnote Account Holders API tags: - Account Holders - KYC - KYB - Applications - GraphQL image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.highnote.com/docs/api-reference/mutation baseURL: https://api.us.highnote.com/graphql properties: - url: https://docs.highnote.com/docs/developers/api/using-the-api type: Documentation - url: https://docs.highnote.com/docs/api-reference/object type: APIReference - url: graphql/highnote-graphql.md type: GraphQL - url: openapi/highnote-openapi.yml type: OpenAPI description: Onboard US person and US business account holders (createUSPersonAccountHolder, createUSBusinessAccountHolder), manage authorized users, submit and accept card product applications (createAccountHolderCardProductApplication), run KYC/KYB and identity-update flows, and query personAccountHolders / businessAccountHolders. - aid: highnote:financial-accounts name: Highnote Financial Accounts API tags: - Financial Accounts - Ledger - Credit - Balances - GraphQL image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.highnote.com/docs/api-reference/object baseURL: https://api.us.highnote.com/graphql properties: - url: https://docs.highnote.com/docs/developers/api/using-the-api type: Documentation - url: https://docs.highnote.com/docs/api-reference/object type: APIReference - url: graphql/highnote-graphql.md type: GraphQL - url: openapi/highnote-openapi.yml type: OpenAPI description: Issue financial accounts against approved applications (issueFinancialAccountForApplication), assign payment cards to financial accounts, manage credit limits and on-demand funding, and read balances and the real-time ledger via the FinancialAccount object and its account relationships. - aid: highnote:transactions name: Highnote Transactions API tags: - Authorizations - Transactions - Clearing - Disputes - GraphQL image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.highnote.com/docs/api-reference/query baseURL: https://api.us.highnote.com/graphql properties: - url: https://docs.highnote.com/docs/acquiring/about-acquiring type: Documentation - url: https://docs.highnote.com/docs/api-reference/object type: APIReference - url: graphql/highnote-graphql.md type: GraphQL - url: openapi/highnote-openapi.yml type: OpenAPI description: Authorize, capture, charge, and cancel payment transactions (authorizePaymentCard, capturePaymentTransaction, chargePaymentCard), handle incremental and force captures, initiate cardholder transaction disputes, and query paymentTransactions and transactionBatches with HQL search. - aid: highnote:transfers name: Highnote Transfers API tags: - Transfers - ACH - Money Movement - Instant Payments - GraphQL image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.highnote.com/docs/api-reference/mutation baseURL: https://api.us.highnote.com/graphql properties: - url: https://docs.highnote.com/docs/developers/api/using-the-api type: Documentation - url: https://docs.highnote.com/docs/api-reference/mutation type: APIReference - url: graphql/highnote-graphql.md type: GraphQL - url: openapi/highnote-openapi.yml type: OpenAPI description: Move funds between financial accounts and external bank accounts via ACH, wire, and instant-payment rails (initiateTransferBetweenFinancialAccounts, initiateAchTransfer, initiateUnifiedFundsTransfer), link external bank accounts through Plaid/Finicity, and schedule one-time and recurring transfers. - aid: highnote:collaborative-authorization name: Highnote Collaborative Authorization API tags: - Collaborative Authorization - Real-time Decisioning - Webhooks - GraphQL image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.highnote.com/docs/api-reference/mutation baseURL: https://api.us.highnote.com/graphql properties: - url: https://docs.highnote.com/docs/developers/api/using-the-api type: Documentation - url: https://docs.highnote.com/docs/api-reference/mutation type: APIReference - url: graphql/highnote-graphql.md type: GraphQL - url: openapi/highnote-openapi.yml type: OpenAPI description: Register and manage a collaborative-authorization endpoint (addCollaborativeAuthorizationEndpoint, activateCollaborativeAuthorizationEndpoint) so your service participates in real-time authorization decisions, returning approve or decline responses on each card authorization within the network timeout window. - aid: highnote:webhooks name: Highnote Webhooks & Notifications API tags: - Webhooks - Notifications - Events - Subscriptions - GraphQL image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.highnote.com/docs/api-reference/mutation baseURL: https://api.us.highnote.com/graphql properties: - url: https://docs.highnote.com/docs/developers/api/using-the-api type: Documentation - url: https://docs.highnote.com/docs/api-reference/mutation type: APIReference - url: graphql/highnote-graphql.md type: GraphQL - url: openapi/highnote-openapi.yml type: OpenAPI description: Register HTTPS webhook notification targets (addWebhookNotificationTarget), activate and deactivate them, and subscribe to event types (addSubscriptionsToNotificationTarget) so Highnote pushes account, card, transaction, and transfer events to your systems. Events are also queryable via notificationEvents. common: - type: GitHubOrganization url: https://github.com/Highnote-Platform - type: LinkedIn url: https://www.linkedin.com/company/highnote-platform - type: Website url: https://highnote.com - type: Documentation url: https://docs.highnote.com - type: Plans url: plans/highnote-plans-pricing.yml - type: RateLimits url: rate-limits/highnote-rate-limits.yml - type: FinOps url: finops/highnote-finops.yml maintainers: - FN: Kin Lane email: kin@apievangelist.com