specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Highnote
providerId: highnote
created: '2026-06-20'
modified: '2026-06-20'
reconciled: false
tags:
- Card Issuing
- Embedded Finance
- Fintech
- Payments
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Highnote spend and revenue. Highnote is a sales-led embedded-finance
  platform: commercials are program-specific and combine interchange share, transaction
  processing fees, instant-payout fees, embedded-credit interest income, and program /
  platform fees. Because pricing is contract-based and not published, per-meter rates
  are not reconciled here; the meters below describe the cost / revenue dimensions a
  program owner should track.
notes: >-
  Rates are negotiated per agreement and not public. Verify program fees, interchange
  share, and per-transaction pricing against the signed Highnote agreement during
  reconciliation.
sources:
- https://highnote.com
- https://docs.highnote.com
- https://focus.finops.org/focus-specification/v1-3/
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: Highnote
serviceCategory: Financial Services
billingModel:
  pricingCategory: Contract-Based
  billingFrequency: Monthly
  billingCurrency: USD
  chargeCategories:
  - Usage
  - Purchase
  - Adjustment
focusColumns:
  ServiceName: Highnote Platform
  ServiceCategory: Financial Services
  ProviderName: Highnote
  PublisherName: Highnote
  InvoiceIssuerName: Highnote
  BillingCurrency: USD
  ChargeCategory: Usage
  PricingCategory: Contract-Based
meters:
- name: cards_issued
  description: Payment cards issued (virtual / physical / digital), may carry per-card or fulfillment fees.
  unit: cards
  aggregation: sum
  dimensions:
  - program
  - cardProduct
  - formFactor
- name: transactions_processed
  description: Authorization / clearing events processed; negotiated per-transaction processing fee.
  unit: transactions
  aggregation: sum
  dimensions:
  - program
  - cardProduct
- name: interchange_revenue
  description: Interchange earned on branded card transactions; shared per agreement.
  unit: usd
  aggregation: sum
  dimensions:
  - program
  - cardProduct
- name: instant_payouts
  description: Instant / push-to-card payouts; negotiated per-payout fee.
  unit: payouts
  aggregation: sum
  dimensions:
  - program
- name: ach_transfers
  description: ACH and unified funds transfers initiated.
  unit: transfers
  aggregation: sum
  dimensions:
  - program
- name: credit_interest
  description: Interest income on embedded credit programs.
  unit: usd
  aggregation: sum
  dimensions:
  - program
  - cardProduct
- name: program_platform_fees
  description: Program / platform fees charged by Highnote per agreement.
  unit: usd
  aggregation: sum
  dimensions:
  - program
principles:
- name: Visibility
  description: Pull Highnote reports (initiateOrganizationReport) and notification events to track issuance, transactions, transfers, and interchange per program.
- name: Allocation
  description: Tag financial accounts, card products, and API keys to programs / cost centers; use user-defined fields and custom metadata.
- name: Optimization
  description: Tune spend and velocity rules to control authorization volume; choose card form factors and transfer rails by cost.
- name: Accountability
  description: Assign program owners; review interchange share, transaction fees, and platform fees monthly against the agreement.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com