Overview
Highnote is infrastructure for fintech companies and platforms in the United States that combines card issuing, payment acceptance, credit products and a real-time ledger. Instead of three separate vendors, the company offers a single stack. The entity named is Highnote Payments, Inc. (NMLS ID 2772350).
Methods and rails - card acquiring for accepting card payments; - ACH, batch bank transfers in the US that are cheap but not instant; - RTP and FedNow, the two US instant payment systems that run around the clock; - push-to-card, crediting funds straight to the recipient's card, handy for payouts; - bank transfers, SWIFT and stablecoin settlement.
Who it is for Fintechs, software platforms and enterprises that need to collect money from customers, issue their own cards and pay out quickly at the same time, such as marketplaces, spend management services or freelancer platforms. One provider simplifies reconciliation, since inbound and outbound flows sit in one system.
Status and terms Highnote is a supplier of financial infrastructure, so its products should not be read as bank deposits or all BINs in use attributed to it. Pricing and onboarding steps are discussed per project, based on volume and the feature set required. Documentation is published at docs.highnote.com.
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