Highnote
One platform for card issuing, merchant acquiring, credit and money movement, built on its own ledger.
Highnote runs card issuing, merchant acquiring, credit programs and money movement on one platform with a real-time ledger and a GraphQL API. It serves fintechs, payment facilitators, ISOs, vertical SaaS companies and marketplaces, for US card programs. Highnote’s 2022 program announcements name Sutton Bank as a card issuer, and Cross River Bank announced a stablecoin settlement capability with Highnote in Visa’s pilot in December 2025. It publishes standard acquiring pricing of 2.85% plus 25 cents per transaction and quotes issuing individually. Highnote is based in San Francisco.
- Website
- highnote.com
- Infrastructure layers
- Card issuing, embedded payments
- Products (as published)
- Issuing
Acquiring
Credit
Money Movement (check, wire, ACH, RTP, FedNow, payouts, stablecoin)
Unified Payments and Unified Ledger - Client types
- Fintechs, PayFacs, ISOs, vertical SaaS, platforms and marketplaces
- Regions served
- United States
- Publicly announced partner banks
- Sutton Bank (issuer named in Highnote's 2022 program announcements)
Cross River Bank (stablecoin settlement in Visa's pilot, December 16, 2025) - Pricing model (only if published)
- Issuing: custom pricing. Acquiring: Standard plan 2.85% + 25¢ per transaction; Enterprise custom
- API documentation
- docs.highnote.com
- Date checked
- Profile type
- Standard
Questions
What does Highnote offer?
How much does Highnote charge for acquiring?
Which banks work with Highnote?
See also
- Sutton Bank and Cross River Bank
- Marqeta and Lithic, other card issuing platforms
- All providers
Sources
- Highnote issuing, acquiring, credit, money movement
- Highnote pricing
- GiveCard and Highnote release, 2022
- Cross River and Highnote stablecoin settlement
- Checked September 26, 2026.
Source: each provider’s own documentation, product pages, official announcements and filings, and official registers for licences, as linked in each profile. Fields a provider does not publish stay empty. How we build profiles: methodology.