specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Highnote
providerId: highnote
created: '2026-06-20'
modified: '2026-06-20'
reconciled: false
tags:
- Card Issuing
- Embedded Finance
- Fintech
- Payments
- Credit
- Plans
description: >-
  Highnote does not publish public, self-serve API pricing. Pricing is sales-led
  and structured around each program: platforms earn revenue from interchange on
  branded cards, fees on transaction processing and instant payouts, and interest
  income on embedded credit programs, while Highnote charges program / platform and
  per-transaction fees negotiated per agreement. There are no published Free /
  Developer / Enterprise tiers; access begins in a test environment and live
  programs require a signed agreement. Specific rates are not reconciled in this
  artifact.
notes: >-
  Pricing is contract-based and not published. Confirm program fees, interchange
  share, and per-transaction pricing directly with Highnote sales during
  reconciliation.
sources:
- https://highnote.com
- https://highnote.com/blog/embedded-finance-platform-for-vertical-saas-own-the-flow
- https://docs.highnote.com
plans:
- id: highnote-test
  name: Test Environment
  type: free
  description: >-
    Free access to the Highnote test environment (api.us.test.highnote.com) for
    building and validating an integration before going live. No card money moves.
  entries:
  - label: Test API Access
    name: test_access
    type: flat
    metric: access
    limit: -1
    timeFrame: month
    geo: us
    unit: 1
    price: $0
    userMultiplied: false
  elements:
  - name: GraphQL API (test)
  - name: Card Issuing (test)
  - name: Webhooks (test)
- id: highnote-program
  name: Program (Sales-Led)
  type: enterprise
  description: >-
    Live, production card program under a negotiated agreement. Commercials are
    structured around interchange share, transaction processing fees, instant-payout
    fees, embedded-credit interest income, and program / platform fees specific to the
    program. Contact Highnote sales.
  entries:
  - label: Program Agreement
    name: program_agreement
    type: flat
    metric: contract
    limit: -1
    timeFrame: year
    geo: us
    unit: 1
    price: contact sales
    userMultiplied: false
  - label: Interchange Share
    name: interchange_share
    type: usage
    metric: interchange
    limit: -1
    timeFrame: month
    geo: us
    unit: 1
    price: program-specific revenue share
    userMultiplied: false
  - label: Transaction Processing
    name: transaction_processing
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: us
    unit: 1
    price: negotiated per-transaction fee
    userMultiplied: false
  - label: Instant Payouts
    name: instant_payouts
    type: usage
    metric: payouts
    limit: -1
    timeFrame: month
    geo: us
    unit: 1
    price: negotiated per-payout fee
    userMultiplied: false
  elements:
  - name: Card Issuing (live)
  - name: Acquiring
  - name: Embedded Credit
  - name: Real-time Ledger
  - name: Transfers / Instant Payments
  - name: Collaborative Authorization
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com