{
  "name": "Highnote",
  "slug": "highnote",
  "website_url": "https://highnote.com",
  "vendor_description": "\"the world's most modern card platform, purpose-built to grow customer loyalty, engagement, and revenue through embedded card issuance experiences\"",
  "categories": [
    "card-issuing"
  ],
  "summary": "Highnote is a US-only card issuance platform for building consumer and commercial card programs, including debit, credit, prepaid, fleet, expense, and virtual B2B cards, targeting fintechs and enterprises launching embedded finance products. It exposes a GraphQL API with webhook support, idempotency, and granular spend controls such as velocity rules, merchant category filters, and real-time collaborative authorization. Pricing is not published and requires a sales engagement. Highnote holds PCI DSS Level 1 certification as a service provider and is SOC 1 and SOC 2 compliant, operating under a bank sponsorship model with FinCEN MSB registration.",
  "capabilities": {
    "supported_actions": [
      "issue_virtual_card",
      "issue_physical_card",
      "card_lifecycle_management",
      "spend_controls",
      "velocity_rules",
      "merchant_category_spend_rules",
      "merchant_country_spend_rules",
      "cvv_verification_rules",
      "postal_code_verification_rules",
      "fraud_score_rules",
      "authorization_stream",
      "collaborative_authorization",
      "real_time_webhooks",
      "push_provisioning",
      "tokenization",
      "apple_pay_provisioning",
      "google_wallet_provisioning",
      "samsung_pay_provisioning",
      "kyc_kyb",
      "program_management",
      "ledger_accounts",
      "dispute_management",
      "physical_card_group_orders",
      "pin_management",
      "external_bank_account_linking",
      "plaid_integration",
      "credit_card_feature",
      "revolving_credit",
      "charge_card",
      "buy_now_pay_later",
      "merchant_acquiring",
      "ach_origination",
      "rtp_payments",
      "fedwire",
      "fednow",
      "push_to_card",
      "snowflake_data_share",
      "card_interchange_reporting",
      "sandbox_simulation"
    ],
    "supported_regions": [
      "United States"
    ],
    "supported_languages": [],
    "input_types": [
      "Visa",
      "Mastercard",
      "virtual",
      "physical",
      "debit",
      "credit",
      "prepaid",
      "charge",
      "fleet",
      "commercial",
      "consumer",
      "tokenized"
    ],
    "output_types": [
      "JSON",
      "GraphQL responses",
      "webhook events",
      "card tokens",
      "authorization events",
      "transaction data",
      "statements",
      "Snowflake data share"
    ],
    "webhooks_supported": true,
    "sandbox_available": true,
    "sdk_languages": [
      "JavaScript/TypeScript"
    ],
    "mcp_server_available": false
  },
  "integration": {
    "api_style": "graphql",
    "base_url": "https://api.us.highnote.com/graphql",
    "api_version": null,
    "versioning_scheme": "none",
    "stability": "ga",
    "deprecation_policy_url": "https://docs.highnote.com/docs/developers/api/status-changes",
    "auth_methods": [
      "api_key"
    ],
    "auth_docs_url": "https://docs.highnote.com/docs/developers/api/using-the-api",
    "idempotency_supported": true,
    "error_format": "vendor-specific",
    "webhook_signing": "hmac_sha256",
    "webhook_events_url": "https://docs.highnote.com/docs/developers/events/events-reference",
    "rate_limit_requests": 200,
    "rate_limit_window": "10 seconds",
    "sdk_packages": [
      {
        "package": "@highnoteplatform/card-viewer",
        "language": "JavaScript/TypeScript",
        "official": true,
        "repo_url": "https://github.com/Highnote-Platform"
      },
      {
        "package": "@highnoteplatform/secure-inputs",
        "language": "JavaScript/TypeScript",
        "official": true,
        "repo_url": "https://github.com/Highnote-Platform"
      },
      {
        "package": "@highnoteplatform/document-upload",
        "language": "JavaScript/TypeScript",
        "official": true,
        "repo_url": "https://github.com/Highnote-Platform"
      }
    ],
    "mcp_url": null,
    "quickstart_url": "https://docs.highnote.com/docs/get-started/about-highnote"
  },
  "pricing": {
    "pricing_model": "contact_sales",
    "has_published_pricing": false,
    "starting_price_usd": null,
    "price_basis": null,
    "free_tier_available": false,
    "free_tier_limit": null,
    "free_tier_details": null,
    "minimum_commitment": null,
    "self_serve_signup": false,
    "requires_sales_call": true,
    "requires_verification": true,
    "enterprise_plan_available": true,
    "price_points": []
  },
  "compliance": {
    "soc2": "unknown",
    "hipaa": null,
    "gdpr": null,
    "iso_27001": null,
    "pci_dss": true,
    "sla_published": false,
    "sla_url": null,
    "data_retention_policy_url": "https://highnote.com/agreements/privacy",
    "documented_rate_limits": "200 requests per 10 seconds (API key); 20 requests per 10 seconds per subject (client token); 5,000 complexity points per 10 seconds (API key and client token). Test environment defaults to 50% of live limits. Returns HTTP 429 with retryAfter field when exceeded.",
    "known_restrictions": [
      "US-only card issuance currently",
      "BIN sponsorship is provided by Highnote; operates under a bank sponsorship model while pursuing individual state Money Transmitter Licenses (MTLs)",
      "Registered as Money Services Business (MSB) with FinCEN",
      "PCI DSS Level 1 certified (service provider)",
      "SOC 1 & SOC 2 compliant (type not publicly specified)",
      "Collaborative authorization endpoint must respond within 2 seconds and be highly available",
      "Maximum 5 collaborative authorization endpoints; only 1 active simultaneously",
      "Card Viewer and Secure Inputs SDKs are web/browser-based only (JavaScript/npm); native iOS and Android use Client Token approach, not a named SDK",
      "Acquiring product launched January 2025; published rate of 2.85% + $0.25 per transaction applies to acquiring only, not card issuing"
    ]
  },
  "developer": {
    "docs_url": "https://docs.highnote.com/",
    "api_reference_url": null,
    "openapi_spec_url": null,
    "postman_collection_url": null,
    "changelog_url": null,
    "status_page_url": "https://status.highnote.com",
    "llms_txt_url": "https://highnote.com/llms.txt",
    "markdown_docs_url": null,
    "rendering": "client_rendered"
  },
  "adoption": {
    "launched_at": "2020-01-01",
    "ga_date": "2021-01-01",
    "github_stars": null,
    "github_stars_at": null,
    "notable_customers": [
      "Netevia",
      "Splitit",
      "Ferry"
    ]
  },
  "scores": {
    "agent_friendliness": 35,
    "pricing_transparency": 0,
    "setup_speed": 30,
    "docs_quality": 25,
    "procurement_friction": 0,
    "trust_readiness": 10,
    "best_for": [
      "AI agents and automation - an agent-ready surface (MCP / llms.txt)",
      "Teams needing broad API coverage out of the box"
    ],
    "avoid_if": [
      "You need to start building today without contacting sales",
      "You need transparent pricing up front",
      "You want to try it free before paying"
    ]
  },
  "sources": [
    {
      "field": "idempotency_supported",
      "url": "https://docs.highnote.com/docs/developers/about-developers",
      "excerpt": "The GraphQL API supports idempotency, search with HQL, custom metadata, and rate limiting for resilient integrations.",
      "confidence": "high"
    },
    {
      "field": "vendor_description",
      "url": "https://partner.visa.com/site/partner-directory/highnote.html",
      "excerpt": "Highnote is the world's most modern card issuer processor and program management platform",
      "confidence": "high"
    },
    {
      "field": "categories",
      "url": "https://www.businesswire.com/news/home/20250121011744/en/Highnote-Secures-$90-Million-Series-B-Announces-Expansion-into-U.S.-Merchant-Acquiring",
      "excerpt": "Highnote Secures $90 Million Series B, Announces Expansion into U.S. Merchant Acquiring",
      "confidence": "high"
    },
    {
      "field": "primary_use_cases",
      "url": "https://docs.highnote.com/docs/acquiring/about-acquiring",
      "excerpt": "Highnote acquiring enables merchants to accept and disburse payments with full control, regardless of payment method",
      "confidence": "high"
    },
    {
      "field": "supported_actions",
      "url": "https://docs.highnote.com/docs/issuing/spend-controls/collaborative-authorization",
      "excerpt": "Collaborative authorization enables real-time transaction approval/decline decisions...HTTPS POST request sent to your endpoint...You respond with approval or denial within 2 seconds",
      "confidence": "high"
    },
    {
      "field": "supported_regions",
      "url": "https://www.pymnts.com/news/payments-innovation/2022/highnote-expands-collab-with-visa-certifies-as-issuer-processor/",
      "excerpt": "Highnote finished the Visa Ready certification and will join Visa's Fintech Fast Track program as an enabler in the U.S. market.",
      "confidence": "high"
    },
    {
      "field": "webhooks_supported",
      "url": "https://docs.highnote.com/docs/developers/about-developers",
      "excerpt": "Event Notifications — Webhook configuration for real-time updates on transaction activity, account holder status changes, and other platform events",
      "confidence": "high"
    },
    {
      "field": "sdk_languages",
      "url": "https://docs.highnote.com/docs/developers/sdks/installation",
      "excerpt": "Highnote SDKs can be installed using JavaScript package managers (npm, yarn, or pnpm). Available: Card Viewer SDK, Document Upload SDK, Secure Inputs SDK, Checkout SDK.",
      "confidence": "high"
    },
    {
      "field": "pricing_model",
      "url": "https://highnote.com/contact",
      "excerpt": "Talk to our Sales Team – Highnote",
      "confidence": "high"
    },
    {
      "field": "self_serve_signup",
      "url": "https://highnote.com/blog/announcing-virtual-card-express-a-faster-way-to-launch-b2b-payments",
      "excerpt": "The blog directs interested parties to 'get in touch with our team' via their contact form. There is no mention of online signup capabilities or self-service provisioning options.",
      "confidence": "high"
    },
    {
      "field": "requires_sales_call",
      "url": "https://highnote.com/contact",
      "excerpt": "Talk to our Sales Team – Highnote",
      "confidence": "high"
    },
    {
      "field": "pci_dss",
      "url": "https://highnote.com/solutions/corporate-expense",
      "excerpt": "PCI DSS Level 1 Certified and SOC 1 & 2 Compliant",
      "confidence": "high"
    },
    {
      "field": "soc2",
      "url": "https://highnote.com/solutions/corporate-expense",
      "excerpt": "PCI DSS Level 1 Certified and SOC 1 & 2 Compliant — SOC type (1 vs 2) not specified in any public-facing page",
      "confidence": "low"
    },
    {
      "field": "known_restrictions",
      "url": "https://highnote.com/blog/highnote-vs-tabapay-vs-astra-unified-platform-or-payout-api",
      "excerpt": "Prior to securing licenses in particular jurisdictions, Highnote will be providing services pursuant to a bank sponsorship model.",
      "confidence": "high"
    },
    {
      "field": "sla_published",
      "url": "https://docs.highnote.com/docs/developers/api/using-the-api",
      "excerpt": "No SLA or uptime commitment is mentioned in API documentation; integration.sla_url is null per draft research.",
      "confidence": "medium"
    },
    {
      "field": "api_style",
      "url": "https://docs.highnote.com/docs/developers/api/using-the-api",
      "excerpt": "The Test Environment Request URL is https://api.us.test.highnote.com/graphql and the Live Environment Request URL is https://api.us.highnote.com/graphql.",
      "confidence": "high"
    },
    {
      "field": "auth_methods",
      "url": "https://docs.highnote.com/docs/developers/api/using-the-api",
      "excerpt": "Basic authentication which requires a base64-encoded API key (that is set as the username and does not require a password).",
      "confidence": "high"
    },
    {
      "field": "auth_docs_url",
      "url": "https://docs.highnote.com/docs/developers/api/using-the-api",
      "excerpt": "The Highnote API uses Basic authentication which requires a base64-encoded API key (that is set as the username and does not require a password).",
      "confidence": "high"
    },
    {
      "field": "deprecation_policy_url",
      "url": "https://docs.highnote.com/docs/developers/api/status-changes",
      "excerpt": "Highnote provides 90 days notice before releasing breaking changes, ensuring adequate time for integration updates.",
      "confidence": "high"
    },
    {
      "field": "sdk_packages",
      "url": "https://docs.highnote.com/docs/developers/sdks/issuing/card-viewer-sdk",
      "excerpt": "npm i @highnoteplatform/card-viewer",
      "confidence": "high"
    },
    {
      "field": "sdk_packages",
      "url": "https://www.npmjs.com/package/@highnoteplatform/document-upload",
      "excerpt": "@highnoteplatform/document-upload (latest version: 1.1.5) is a document upload component that enables easy uploads of required documents for an application",
      "confidence": "high"
    },
    {
      "field": "vendor_description",
      "url": "https://highnote.com/blog/highnote-emerges-from-stealth-with-54-million-in-funding",
      "excerpt": "the world's most modern card platform, purpose-built to grow customer loyalty, engagement, and revenue through embedded card issuance experiences",
      "confidence": "high"
    },
    {
      "field": "categories",
      "url": "https://highnote.com/products/acquiring",
      "excerpt": "Highnote – Acquiring (dedicated acquiring product page, launched January 2025 alongside $90M Series B)",
      "confidence": "high"
    },
    {
      "field": "primary_use_cases",
      "url": "https://docs.highnote.com/docs/get-started/about-highnote",
      "excerpt": "Highnote is a unified platform for embedded finance...Issuing Cards — debit, credit, prepaid, fleet, and virtual cards with customizable design and spend controls",
      "confidence": "high"
    },
    {
      "field": "supported_actions",
      "url": "https://docs.highnote.com/docs/api-reference/mutation",
      "excerpt": "createAmountLimitSpendRule, createMerchantCategorySpendRule, createMerchantCountrySpendRule, createVelocityRule, addPaymentCardToApplePayByDevicePushProvisioning, issuePaymentCardForFinancialAccount, createPhysicalCardGroupOrder",
      "confidence": "high"
    },
    {
      "field": "supported_regions",
      "url": "https://highnote.com/blog/highnote-vs-tabapay-vs-astra-unified-platform-or-payout-api",
      "excerpt": "Highnote Payments, Inc., is registered as a Money Services Business (MSB) with the Financial Crimes Enforcement Network (FinCEN), and is actively pursuing Money Transmitter Licenses (MTLs) across individual U.S. states.",
      "confidence": "high"
    },
    {
      "field": "input_types",
      "url": "https://docs.highnote.com/docs/issuing/cards/issue/issue-virutal-cards",
      "excerpt": "Virtual cards as the baseline for all payment cards; Physical cards derived from virtual cards; Tokenized cards for digital wallets; Network support: MasterCard and Visa",
      "confidence": "high"
    },
    {
      "field": "sandbox_available",
      "url": "https://docs.highnote.com/docs/developers/api/using-the-api",
      "excerpt": "Test Environment: https://api.us.test.highnote.com/graphql; Live Environment: https://api.us.highnote.com/graphql",
      "confidence": "high"
    },
    {
      "field": "pricing_model",
      "url": "https://highnote.com/pricing",
      "excerpt": "Pricing | Highnote — page exists but no specific issuing pricing is publicly disclosed; contact sales for custom pricing",
      "confidence": "high"
    },
    {
      "field": "has_published_pricing",
      "url": "https://highnote.com/pricing",
      "excerpt": "Pricing | Highnote — card issuing pricing not publicly disclosed; acquiring rate of 2.85% + .25¢ per transaction appears on the pricing page but issuing rates are quote-only",
      "confidence": "high"
    },
    {
      "field": "self_serve_signup",
      "url": "https://highnote.com/contact",
      "excerpt": "Talk to our Sales Team – Highnote (dedicated contact-sales page; no self-serve signup flow available)",
      "confidence": "high"
    },
    {
      "field": "pci_dss",
      "url": "https://highnote.com/solutions/disbursements",
      "excerpt": "Highnote is PCI DSS Level 1 Certified and SOC 1 & 2 Compliant",
      "confidence": "high"
    },
    {
      "field": "soc2",
      "url": "https://highnote.com/solutions/disbursements",
      "excerpt": "Highnote is PCI DSS Level 1 Certified and SOC 1 & 2 Compliant",
      "confidence": "low"
    },
    {
      "field": "known_restrictions",
      "url": "https://highnote.com/blog/card-program-management-launch-faster-with-unified-control",
      "excerpt": "Program management built in: Compliance and Bank Identification Number (BIN) sponsorship are integrated into the platform.",
      "confidence": "high"
    },
    {
      "field": "documented_rate_limits",
      "url": "https://docs.highnote.com/docs/developers/api/rate-limiting",
      "excerpt": "API key: 200 requests per 10 seconds; Client token: 20 requests per 10 seconds per user/subject; Complexity limits: 5,000 points per 10 seconds. Test environment defaults to 50% of Live environment limits.",
      "confidence": "high"
    },
    {
      "field": "api_style",
      "url": "https://docs.highnote.com/docs/developers/api/intro-to-graphql",
      "excerpt": "The Highnote GraphQL API is your primary interface for interacting with the Highnote platform, allowing you to create card products, manage account holders, issue payment cards, and process transactions.",
      "confidence": "high"
    },
    {
      "field": "base_url",
      "url": "https://docs.highnote.com/docs/developers/api/using-the-api",
      "excerpt": "The Test Environment Request URL is https://api.us.test.highnote.com/graphql and the Live Environment Request URL is https://api.us.highnote.com/graphql.",
      "confidence": "high"
    },
    {
      "field": "auth_methods",
      "url": "https://docs.highnote.com/docs/developers/api/intro-to-graphql",
      "excerpt": "Requests should use `Authorization: Basic <API_KEY>` in the header, with API keys rotatable per documented procedures.",
      "confidence": "high"
    },
    {
      "field": "versioning_scheme",
      "url": "https://docs.highnote.com/docs/developers/api/using-the-api",
      "excerpt": "No explicit API versioning strategy is mentioned in this content. The documentation references Test and Live environments rather than version numbers.",
      "confidence": "high"
    },
    {
      "field": "deprecation_policy_url",
      "url": "https://docs.highnote.com/docs/developers/api/status-changes",
      "excerpt": "Breaking changes refer to modifications to notifications and/or Highnote's API schema that alters existing behavior in a way that may cause existing client applications and integrations to break or malfunction.",
      "confidence": "high"
    },
    {
      "field": "sdk_packages",
      "url": "https://docs.highnote.com/docs/developers/sdks/installation",
      "excerpt": "Highnote SDKs can be installed using JavaScript package managers (npm, yarn, or pnpm). Available: Card Viewer SDK, Document Upload SDK, Secure Inputs SDK (for PINs), Checkout SDK, Secure Inputs SDK (for Tokenization).",
      "confidence": "high"
    },
    {
      "field": "idempotency_supported",
      "url": "https://docs.highnote.com/docs/developers/api/idempotency",
      "excerpt": "Idempotency is enabled by adding an `IdempotencyKey` field to API mutations as an input variable. The key must be Version 4 UUID format, with a length between 10-255 characters.",
      "confidence": "high"
    },
    {
      "field": "error_format",
      "url": "https://docs.highnote.com/docs/developers/api/using-the-api",
      "excerpt": "GraphQL responses typically return 200 OK even when errors occur. The response includes an `errors` object containing detailed troubleshooting information. For mutations, developers should request the `userError` type on union types for specific failure details.",
      "confidence": "high"
    },
    {
      "field": "webhook_signing",
      "url": "https://docs.highnote.com/docs/issuing/spend-controls/collaborative-authorization",
      "excerpt": "Each webhook request includes the `highnote-signature` header containing the computed HMAC signature. Always use constant-time comparison (like timingSafeEqual) to prevent timing attacks.",
      "confidence": "high"
    },
    {
      "field": "rate_limit_requests",
      "url": "https://docs.highnote.com/docs/developers/api/rate-limiting",
      "excerpt": "API key: 200 requests per 10 seconds (aggregate across org). Client token: 20 requests per 10 seconds per user/subject.",
      "confidence": "high"
    },
    {
      "field": "rate_limit_window",
      "url": "https://docs.highnote.com/docs/developers/api/rate-limiting",
      "excerpt": "The platform enforces two types of rate limits per 10 seconds, whichever is hit first: Request Count Limits and Complexity Limits.",
      "confidence": "high"
    },
    {
      "field": "requires_verification",
      "url": "https://techcrunch.com/2021/09/28/highnote-emerges-from-stealth-with-54m-and-a-plan-to-take-on-marqeta-in-the-world-of-card-issuing-as-a-service/",
      "excerpt": "Highnote positions itself as a modernized alternative to Marqeta, offering virtual, physical and tokenized payment cards, with embedded finance platform allowing businesses to issue cards through APIs.",
      "confidence": "medium"
    },
    {
      "field": "launched_at",
      "url": "https://tracxn.com/d/companies/highnote/__L1qkJv5ZlY1Rj598rkZE1Ka1f2PsK5uOR9EWHb2TyCY",
      "excerpt": "Highnote is a financial software company founded in 2020 by John MacIlwaine and Kin Kee. The company's first funding round was on Oct 15, 2020.",
      "confidence": "high"
    },
    {
      "field": "notable_customers",
      "url": "https://www.businesswire.com/news/home/20251027148742/en/Netevia-Commits-Billions-in-Acquiring-Volume-to-Highnote-in-Expanded-6-Year-Agreement",
      "excerpt": "Netevia expanded its partnership through a six-year agreement that brings billions in annual acquiring and issuing volume to Highnote.",
      "confidence": "high"
    },
    {
      "field": "notable_customers",
      "url": "https://www.linkedin.com/posts/highnote_highnote-x-ferry-case-study-activity-7452462732777435137-FvIl",
      "excerpt": "Ferry became the first Highnote subscriber to bring Instant Payments live, validating real-time money movement in production programs.",
      "confidence": "high"
    },
    {
      "field": "stability",
      "url": "https://docs.highnote.com/docs/developers/api/status-changes",
      "excerpt": "Highnote provides 90 days notice before releasing breaking changes. All additive changes are recorded in the API and product changelogs.",
      "confidence": "medium"
    },
    {
      "field": "webhook_signing",
      "url": "https://docs.highnote.com/docs/developers/events/notifications",
      "excerpt": "The signature is computed as an HMAC 256 hash of the request body using your notification target's signing key secret. The signature is transmitted via the `highnote-signature` HTTP header.",
      "confidence": "high"
    },
    {
      "field": "webhook_events_url",
      "url": "https://docs.highnote.com/docs/developers/events/events-reference",
      "excerpt": "This page serves as a comprehensive reference for all Highnote notification events, organized by domain. Covers ACH Transfers, Application Status, Acquiring Card Payments, Balance Notifications, Chargebacks & Disputes, Digital Wallet Tokens, Financial Account Events, Payment Cards, and more.",
      "confidence": "high"
    },
    {
      "field": "rate_limit_requests",
      "url": "https://docs.highnote.com/docs/developers/api/rate-limiting",
      "excerpt": "When you surpass rate limits, the API returns a `429 TOO MANY REQUESTS` status code with an error message and a `retryAfter` field.",
      "confidence": "high"
    },
    {
      "field": "requires_verification",
      "url": "https://docs.highnote.com/docs/get-started/about-highnote",
      "excerpt": "Live environment: Actively issue payment cards and run transactions with your launched card product. Test environment is for exploration and training with dummy data only.",
      "confidence": "medium"
    },
    {
      "field": "data_retention_policy_url",
      "url": "https://highnote.com/agreements/privacy",
      "excerpt": "Privacy Policy for Highnote, effective July 17, 2023, governs data handling and retention practices.",
      "confidence": "medium"
    },
    {
      "field": "ga_date",
      "url": "https://techcrunch.com/2021/09/28/highnote-emerges-from-stealth-with-54m-and-a-plan-to-take-on-marqeta-in-the-world-of-card-issuing-as-a-service/",
      "excerpt": "Highnote emerged from stealth on September 28, 2021, announcing $54 million in funding including both a Seed round and a Series A.",
      "confidence": "medium"
    },
    {
      "field": "notable_customers",
      "url": "https://www.businesswire.com/news/home/20250310460288/en/Splitit-Partners-with-Highnote-to-Enable-Installment-Payments-for-Digital-Wallet-Credit-Cards-and-Merchant-Endpoints",
      "excerpt": "Splitit Partners with Highnote to Enable Installment Payments for Digital Wallet Credit Cards and Merchant Endpoints",
      "confidence": "high"
    },
    {
      "field": "quickstart_url",
      "url": "https://docs.highnote.com/docs/get-started/about-highnote",
      "excerpt": "To get started: Create a Highnote account and generate API keys in the Dashboard under Developers > API Keys. Review the Highnote API and Dashboard documentation and test the API using the API Explorer tool.",
      "confidence": "high"
    },
    {
      "field": "stability",
      "url": "https://techcrunch.com/2021/09/28/highnote-emerges-from-stealth-with-54m-and-a-plan-to-take-on-marqeta-in-the-world-of-card-issuing-as-a-service/",
      "excerpt": "Highnote emerged from stealth in September 2021 with $54M in funding and has been publicly available since then.",
      "confidence": "medium"
    }
  ],
  "fields_not_found": [
    "hipaa",
    "gdpr",
    "iso_27001",
    "sla_published",
    "minimum_commitment",
    "api_version",
    "sla_url",
    "starting_price_usd",
    "price_basis",
    "free_tier_limit",
    "ga_date_exact",
    "mcp_url"
  ],
  "source_confidence": "high",
  "last_verified_at": "2026-06-21T00:00:00.000Z",
  "contribute": {
    "note": "This data is crowd-editable. Suggest corrections or leave a review via these endpoints - no auth required, requests are rate-limited, and every submission is reviewed before it goes live. For a field edit, {field} is any key in this response and a citation is required.",
    "endpoints": [
      {
        "action": "review",
        "label": "Leave a review or comment",
        "method": "POST",
        "url": "https://apio.sh/api/feedback/highnote",
        "example_body": {
          "kind": "review",
          "rating": 5,
          "body": "Your experience with this API…"
        }
      },
      {
        "action": "field_edit",
        "label": "Suggest a correction to a field (cite a source)",
        "method": "POST",
        "url": "https://apio.sh/api/suggest/highnote/{field}",
        "example_body": {
          "value": "corrected value",
          "citations": [
            {
              "url": "https://source.example/page",
              "excerpt": "supporting quote"
            }
          ],
          "note": "what changed and why"
        }
      },
      {
        "action": "new_api",
        "label": "Suggest a new API to add (only name is required - send as much as you can cite)",
        "method": "POST",
        "url": "https://apio.sh/api/suggest/api",
        "example_body": {
          "value": {
            "name": "Acme Email API",
            "website_url": "https://acme.example",
            "vendor_name": "Acme",
            "categories": [
              "email"
            ],
            "pricing_model": "usage_based",
            "has_published_pricing": true,
            "free_tier_available": true,
            "price_points": [
              {
                "plan": "Pay as you go",
                "item": "1,000 emails",
                "amount_usd": 1,
                "per": "1,000 emails",
                "source_url": "https://acme.example/pricing"
              }
            ],
            "soc2": "type_2",
            "docs_url": "https://docs.acme.example"
          },
          "citations": [
            {
              "url": "https://acme.example/pricing",
              "excerpt": "$1 per 1,000 emails"
            }
          ]
        },
        "value_schema": [
          {
            "field": "name",
            "type": "string",
            "label": "Product name (the only required field)"
          },
          {
            "field": "website_url",
            "type": "string",
            "label": "Marketing website URL"
          },
          {
            "field": "vendor_name",
            "type": "string",
            "label": "Company/vendor name behind the product"
          },
          {
            "field": "vendor_description",
            "type": "string",
            "label": "One-line description, quoted from the vendor"
          },
          {
            "field": "categories",
            "type": "string[]",
            "label": "Category/leaf slugs it belongs to, e.g. [\"email\",\"sms\"]"
          },
          {
            "field": "primary_use_cases",
            "type": "string[]",
            "label": "What it's used for"
          },
          {
            "field": "supported_actions",
            "type": "string[]",
            "label": "Concrete API actions/capabilities"
          },
          {
            "field": "supported_regions",
            "type": "string[]",
            "label": "Countries/regions/data-residency"
          },
          {
            "field": "supported_languages",
            "type": "string[]",
            "label": "Human/spoken languages supported"
          },
          {
            "field": "input_types",
            "type": "string[]",
            "label": "Accepted input types/formats"
          },
          {
            "field": "output_types",
            "type": "string[]",
            "label": "Produced output types/formats"
          },
          {
            "field": "webhooks_supported",
            "type": "bool",
            "label": "Supports webhooks?"
          },
          {
            "field": "sandbox_available",
            "type": "bool",
            "label": "Dedicated sandbox/test mode?"
          },
          {
            "field": "sdk_languages",
            "type": "string[]",
            "label": "Languages with an official SDK"
          },
          {
            "field": "mcp_server_available",
            "type": "bool",
            "label": "Official MCP server?"
          },
          {
            "field": "pricing_model",
            "type": "enum",
            "label": "Pricing model",
            "values": [
              "usage_based",
              "subscription",
              "seat_based",
              "hybrid",
              "contact_sales"
            ]
          },
          {
            "field": "has_published_pricing",
            "type": "bool",
            "label": "Concrete prices published publicly?"
          },
          {
            "field": "free_tier_available",
            "type": "bool",
            "label": "Recurring/perpetual free tier (not a trial)?"
          },
          {
            "field": "free_tier_details",
            "type": "string",
            "label": "What the free tier includes"
          },
          {
            "field": "minimum_commitment",
            "type": "string",
            "label": "Any stated minimum spend/commitment"
          },
          {
            "field": "self_serve_signup",
            "type": "bool",
            "label": "Get an API key without talking to sales?"
          },
          {
            "field": "requires_sales_call",
            "type": "bool",
            "label": "Does going live require sales?"
          },
          {
            "field": "enterprise_plan_available",
            "type": "bool",
            "label": "Named enterprise tier?"
          },
          {
            "field": "starting_price_usd",
            "type": "number",
            "label": "Lowest published paid entry price (USD number)"
          },
          {
            "field": "price_basis",
            "type": "string",
            "label": "Unit the starting price is per, e.g. '1,000 emails'"
          },
          {
            "field": "free_tier_limit",
            "type": "string",
            "label": "Free-tier ceiling in literal terms"
          },
          {
            "field": "price_points",
            "type": "object[]",
            "label": "Structured prices: [{plan,item,amount_usd,amount_percent,per,source_url}]"
          },
          {
            "field": "soc2",
            "type": "enum",
            "label": "SOC 2 status",
            "values": [
              "type_2",
              "type_1",
              "in_progress",
              "none",
              "unknown"
            ]
          },
          {
            "field": "hipaa",
            "type": "bool",
            "label": "HIPAA (e.g. BAA available)?"
          },
          {
            "field": "gdpr",
            "type": "bool",
            "label": "GDPR compliance stated?"
          },
          {
            "field": "iso_27001",
            "type": "bool",
            "label": "ISO 27001 certified?"
          },
          {
            "field": "pci_dss",
            "type": "bool",
            "label": "PCI DSS compliant?"
          },
          {
            "field": "sla_published",
            "type": "bool",
            "label": "Published SLA / uptime commitment?"
          },
          {
            "field": "documented_rate_limits",
            "type": "string",
            "label": "Documented rate limits, quoted"
          },
          {
            "field": "known_restrictions",
            "type": "string[]",
            "label": "Notable documented restrictions/limits"
          },
          {
            "field": "auth_methods",
            "type": "string[]",
            "label": "Auth methods",
            "values": [
              "api_key",
              "oauth2",
              "jwt",
              "basic",
              "hmac_signature",
              "mtls",
              "session"
            ]
          },
          {
            "field": "api_style",
            "type": "enum",
            "label": "Primary API style",
            "values": [
              "rest",
              "graphql",
              "grpc",
              "soap",
              "websocket"
            ]
          },
          {
            "field": "base_url",
            "type": "string",
            "label": "API root/base URL"
          },
          {
            "field": "api_version",
            "type": "string",
            "label": "Current API version string"
          },
          {
            "field": "quickstart_url",
            "type": "string",
            "label": "Quickstart / hello-world URL"
          },
          {
            "field": "docs_url",
            "type": "string",
            "label": "Developer docs URL"
          },
          {
            "field": "api_reference_url",
            "type": "string",
            "label": "API reference URL"
          },
          {
            "field": "openapi_spec_url",
            "type": "string",
            "label": "OpenAPI spec URL"
          },
          {
            "field": "changelog_url",
            "type": "string",
            "label": "Changelog URL"
          },
          {
            "field": "status_page_url",
            "type": "string",
            "label": "Status page URL"
          },
          {
            "field": "notable_customers",
            "type": "string[]",
            "label": "Named public customers"
          },
          {
            "field": "launched_at",
            "type": "string",
            "label": "Launch date (ISO date or year)"
          }
        ]
      },
      {
        "action": "token",
        "label": "Optional - raise your rate limit",
        "method": "GET",
        "url": "https://apio.sh/api/feedback/token"
      }
    ]
  }
}