Highnote
Highnote is a modern, unified embedded-finance and banking-as-a-service platform for card issuing, card acquiring, credit, and real-time money movement, with a built-in real-time programmable ledger and full program management. The entire platform is driven by a single GraphQL API at https://api.us.highnote.com/graphql (test https://api.us.test.highnote.com/graphql), authenticated with a base64-encoded API key over HTTP Basic auth. One endpoint covers card products, US person and business account holders (KYC/KYB onboarding), financial accounts and credit lines, virtual/physical/tokenized payment cards, transaction authorization and clearing, disputes, spend and velocity rules, collaborative authorization, multi-rail money movement (ACH, wire, RTP, push-to-card), and outbound webhook event notifications. Highnote is a US-based platform serving digital-first businesses embedding financial products; access is enterprise, contract-gated, with self-serve dashboard signup and a test environment.
Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.
API Evangelist profiles Highnote the way a machine reads it — 17 machine-readable artifacts across 7 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Highnote scores 68.3/100 (strong), with a separate agent-readiness read of 90/100 (agent native). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Highnote
Each block below is one kind of artifact we hold for Highnote. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 7
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Highnote Issuing API
Create and configure card products (createCardProduct) for debit, credit, prepaid, fleet, and charge programs, then issue virtual, physical, and tokenized digital payment cards ...
Highnote Account Holders & Onboarding API
Onboard US person and US business account holders (createUSPersonAccountHolder, createUSBusinessAccountHolder), manage authorized users, submit and accept card product applicati...
Highnote Acquiring API
Accept and process payments as a merchant acquirer through the single GraphQL endpoint. Authorize, capture, charge, and cancel payment transactions (authorizePaymentCard, captur...
Highnote Money Movement API
Move funds across multiple payment rails from a single API surface (initiateTransferBetweenFinancialAccounts, initiateAchTransfer, initiateUnifiedFundsTransfer). Supports standa...
Highnote Transactions & Disputes API
Query and manage the full payment transaction lifecycle (paymentTransactions, transactionBatches) with HQL search and Relay cursor pagination, read pending, cleared, and settled...
Highnote Spend Controls & Collaborative Authorization API
Attach spend rules and velocity rules to card products and financial accounts to govern where, when, and how much can be spent, and register a collaborative-authorization endpoi...
Highnote Webhooks & Event Notifications API
Register HTTPS webhook notification targets (addWebhookNotificationTarget), activate and deactivate them, and subscribe to event types (addSubscriptionsToNotificationTarget) so ...
Scroll within the panel for all 7 ·
Open Collections 1
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Highnote GraphQL API
OPEN COLLECTIONMCP Servers 1
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
highnote-mcp.yml
MCP SERVERGraphQL 1
Where a provider ships GraphQL, the schema is the contract. We profile it alongside the REST surface so the whole interface is legible in one place.
GraphQL schemas published by this provider.
Highnote GraphQL API
The [Highnote](https://highnote.com/) embedded-finance platform exposes a **single GraphQL
GRAPHQLPricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.
Published pricing tiers and plan structures.
Rate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Highnote Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Highnote Finops
FINOPSEvent Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Highnote Event Notifications
Highnote delivers event notifications to registered HTTPS webhook notification targets (addWebhookNotificationTarget) via outbound POST. Subscribe a target to event types with a...
ASYNCAPISecurity Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Highnote — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 4
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 5
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 8
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 8 ·
Build 5
SDKs, sample code, and the tooling you integrate with
Access & Security 3
Authentication, authorization, and security posture
Operate 5
Status, limits, changes, and where to get help
Commercial 5
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 1
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/highnote · machine-readable index on apis.io