Highnote is a modern card platform that enables businesses to issue and manage virtual and physical payment cards, supporting a range of card types and embedded finance experiences. Highnote provides an all-in-one platform with a fully integrated issuer processor, allowing companies to integrate commercial and consumer prepaid, debit, credit, and charge cards directly into their products.
How does Highnote work?
Highnote’s developer-friendly platform is designed for product and engineering teams at digital enterprises of all sizes. Its API and software tools make it straightforward to embed card issuance, ledger, and wallet capabilities within existing applications or services. This allows clients to build customized payment experiences that can drive customer engagement, brand differentiation, and new revenue streams.
Key features include:
- Virtual and physical card issuance (prepaid, debit, credit, charge)
- Integrated ledger and wallet functionality
- Full control over card program configuration
- Modern APIs for rapid development and integration
What makes Highnote different?
Highnote distinguishes itself by offering both the card platform and the underlying issuer processor technology, which was built from the ground up. This means clients gain greater flexibility, control, and speed compared to traditional card program providers. The platform is tailored for today’s digital-first businesses, supporting advanced use cases and future scalability.
Who uses Highnote?
Highnote serves a diverse set of digital enterprises and fintechs looking to embed financial services within their platforms. Notable customers include casspay, fluz, ferry, BNY, pingpong, atob, gynger, spoton, givecard, mudflap, and mxkpay. These clients leverage Highnote’s technology to issue branded payment cards and build unique financial products for their users.
How was Highnote started?
Highnote was founded in San Francisco by a team with deep experience in engineering, payments, and product development. Key members include John MacIlwaine (Co-Founder / CEO) and Kin Kee (Co-Founder / CTO), along with experts in engineering, product management, and business operations. Their backgrounds contribute to Highnote’s focus on technical innovation and embedded finance.
To learn more about the company’s background and leadership, visit the Highnote About page.
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