🧩 The best vertical SaaS platforms are owning the financial relationship. Payments, collections, disbursements, credit. It’s becoming 𝗰𝗼𝗿𝗲 𝘁𝗼 𝘁𝗵𝗲 𝗽𝗿𝗼𝗱𝘂𝗰𝘁, not a layer around it. A clear divide is forming. Some are building on 𝘂𝗻𝗶𝗳𝗶𝗲𝗱 𝗽𝗹𝗮𝘁𝗳𝗼𝗿𝗺𝘀 with real 𝗰𝗼𝗻𝘁𝗿𝗼𝗹 𝗮𝗻𝗱 𝘀𝗽𝗲𝗲𝗱. Others are still managing fragmented systems and slower cycles. Highnote is built for the teams moving forward. 💰 Issuing, acquiring, credit, and real-time money movement on a single ledger so you can launch faster, scale cleanly, and turn 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗶𝗻𝘁𝗼 𝗮 𝗴𝗿𝗼𝘄𝘁𝗵 𝗱𝗿𝗶𝘃𝗲𝗿. See how leading platforms are approaching it: ➡️https://lnkd.in/e-XXnt5X
About us
Highnote is the product company redefining embedded finance for the real world of modern commerce. With the only unified platform purpose-built for card issuing, credit, acquiring, and ledgering, Highnote gives leading brands and digital enterprises the power to design, launch, and scale intelligent payment products, faster and more flexibly than ever before. Our elegantly integrated architecture brings together physical and virtual card issuance (including commercial, consumer, debit, credit, fleet, and charge cards), spend controls, multi-party wallets, credit management, and acquiring, all on a single, cloud-native platform. From loyalty-driven consumer cards to programmable fleet and expense products, Highnote enables the next generation of embedded finance, where every payment becomes a powerful brand experience. Let’s build something brilliant, together.
- Website
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https://highnote.com/
External link for Highnote
- Industry
- Software Development
- Company size
- 51-200 employees
- Headquarters
- San Francisco, California
- Type
- Privately Held
- Founded
- 2020
- Specialties
- Virtual Cards Issuance, Payments, Platform, API, and GraphQL
Products
World's Most Modern Card Platform
Payment Processing Software
Card Issuance API Platform - Build For Today And Tomorrow: Highnote offers a modern card issuer-processor platform built from the ground up and bare metal connected to the card networks. The issuer processor gives you unparalleled flexibility and control to build and scale the embedded #cardissuance use cases of today and tomorrow. Highnote’s developer-centric platform and developer tools are designed to fit into your environment and work seamlessly with your mobile and web products. Full-stack Modular Program Management Built for Scale: Complementing Highnote’s most modern issuer-processor platform is our modular all-in-one program management capability. Scalable General Ledger: Highnote’s immutable general ledger built on a double-entry accounting framework gives your financial and operations team data the way they need it, without complicated spreadsheets or other patchwork database builds.
Locations
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Primary
Get directions
642 Harrison St
Suite 100
San Francisco, California 94107, US
Employees at Highnote
Updates
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📣 Fintech Meetup is almost here, and our CTO, Kin Kee, is taking the stage for one of the panels we're most excited about. "𝗪𝗵𝗼 𝗪𝗶𝗹𝗹 𝗦𝘄𝗶𝗽𝗲 𝘁𝗵𝗲 𝗖𝗮𝗿𝗱 𝗦𝘄𝗶𝗽𝗲?" brings together leaders from Chime, Baselayer, Mastercard, and Something FINteresting to explore pay-by-bank, tokenization, and 𝘄𝗵𝗲𝗿𝗲 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗮𝗿𝗲 𝗵𝗲𝗮𝗱𝗶𝗻𝗴. Kin will share his views on what a 𝘂𝗻𝗶𝗳𝗶𝗲𝗱 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗶𝗻𝗳𝗿𝗮𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 unlocks for the industry and the 𝗻𝗲𝘅𝘁 𝗲𝗿𝗮 𝗼𝗳 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲𝘀. It's going to be a great conversation. We hope to 𝘀𝗲𝗲 𝘆𝗼𝘂 𝘁𝗵𝗲𝗿𝗲. ➡️ https://lnkd.in/gu2H93pB #FintechMeetup
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🗽 Highnote is 𝗯𝘂𝗶𝗹𝘁 𝗳𝗼𝗿 𝘆𝗼𝘂 to move faster, launch smarter, stand out, and stay ahead of the 𝗳𝘂𝘁𝘂𝗿𝗲 𝗼𝗳 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀. That's exactly why we're proud to partner with Fiat Growth and Fintech Is Femme to sponsor 𝗙𝗧𝗪: 𝗡��𝗖, the official New York Fintech Week conference, bringing together the community reshaping payments, credit, and money movement. Three days, three summits, and one room of 𝗯𝘂𝗶𝗹𝗱𝗲𝗿𝘀, 𝗹𝗲𝗮𝗱𝗲𝗿𝘀, 𝗮𝗻𝗱 𝗶𝗻𝗻𝗼𝘃𝗮𝘁𝗼𝗿𝘀 shaping financial services. 𝗦𝗲𝗲 𝘆𝗼𝘂 𝗶𝗻 𝗡𝗲𝘄 𝗬𝗼𝗿𝗸! #NYFTW ➡️ https://lnkd.in/gGmbwGh7
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📈 𝗘𝗺𝗯𝗲𝗱𝗱𝗲𝗱 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 is becoming the foundation of how modern companies operate. What’s becoming just as clear: 𝗻𝗼𝘁 𝗮𝗹𝗹 𝗽𝗹𝗮𝘁𝗳𝗼𝗿𝗺𝘀 𝗮𝗿𝗲 𝗸𝗲𝗲𝗽𝗶𝗻𝗴 𝘂𝗽. We’re talking to more and more CFOs who have made the decision to move off legacy providers. The pattern is consistent. They want more 𝗰𝗼𝗻𝘁𝗿𝗼𝗹, better 𝘃𝗶𝘀𝗶𝗯𝗶𝗹𝗶𝘁𝘆, and a platform that actually 𝘀𝗰𝗮𝗹𝗲𝘀 𝘄𝗶𝘁𝗵 𝘁𝗵𝗲𝗶𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀. When they switch, the impact is immediate. Better margins. Cleaner operations. Real predictability. The gap between companies building on unified platforms and those still managing fragmented stacks is widening. We pulled together what we’re hearing into a 𝗻𝗲𝘄 𝗣𝗹𝗮𝘆𝗯𝗼𝗼𝗸 𝗳𝗼𝗿 𝗖𝗙𝗢𝘀. If this is on your roadmap this year, it’s worth a read: ➡️ https://lnkd.in/eDBy4n29
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🔮 Something interesting is happening. More ambitious companies are deciding they don’t want to build on legacy systems anymore. They’re 𝗰𝗵𝗼𝗼𝘀𝗶𝗻𝗴 𝗮 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝗽𝗮𝘁𝗵. We’re seeing a surge of builders leaning into platforms that actually give them control. How they design, how they move money, 𝗵𝗼𝘄 𝗳𝗮𝘀𝘁 𝘁𝗵𝗲𝘆 𝗰𝗮𝗻 𝗹𝗮𝘂𝗻𝗰𝗵 𝗮𝗻𝗱 𝘀𝗰𝗮𝗹𝗲. That’s why more teams are switching. That’s why new brands are starting here from day one. If you’re paying attention, you can feel the 𝗺𝗼𝗺𝗲𝗻𝘁𝘂𝗺 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴. 𝗛𝗶𝗴𝗵𝗻𝗼𝘁𝗲 𝗶𝘀 𝗕𝘂𝗶𝗹𝘁 𝗳𝗼𝗿 𝗬𝗼𝘂. ➡️ https://lnkd.in/geW2jdmU
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🆕 Highnote and Coinflow partner to bridge traditional and 𝘀𝘁𝗮𝗯𝗹𝗲𝗰𝗼𝗶𝗻 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀. 𝗣𝗼𝘄𝗲𝗿𝗲𝗱 𝗯𝘆 𝗛𝗶𝗴𝗵𝗻𝗼𝘁𝗲’𝘀 𝗮𝗰𝗾𝘂𝗶𝗿𝗶𝗻𝗴 𝘀𝘁𝗮𝗰𝗸, Coinflow is building the next-gen infrastructure that lets businesses accept card payments, instantly settle in stablecoins, and bridge traditional financial rails with digital asset networks, securely, compliantly, and at global scale. ⚡ As stablecoin adoption grows, this collaboration lays the groundwork for faster, smarter, and more flexible financial experiences, backed by Highnote’s 𝘂𝗻𝗶𝗳𝗶𝗲𝗱 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗽𝗹𝗮𝘁𝗳𝗼𝗿𝗺 for embedded finance. 𝗟𝗲𝗮𝗿𝗻 𝗺𝗼𝗿𝗲: ➡️ https://lnkd.in/ep26tga2
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⚡ Highnote is 𝗯𝘂𝗶𝗹𝘁 𝗳𝗼𝗿 𝘆𝗼𝘂 to raise the bar in payments, stand out, move fast, and unlock new revenue streams. Connect with us at Fintech Meetup to discover how our 𝘂𝗻𝗶𝗳𝗶𝗲𝗱 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗽𝗹𝗮𝘁𝗳𝗼𝗿𝗺 brings issuing, acquiring, credit, and instant money movement together, all powered by a real-time ledger. We look forward to sharing how we’re 𝗽𝘂𝗿𝗽𝗼𝘀𝗲-𝗯𝘂𝗶𝗹𝘁 𝗳𝗼𝗿 𝗶𝗻𝗻𝗼𝘃𝗮𝘁𝗶𝗼𝗻, 𝘀𝗰𝗮𝗹𝗲, and 𝗺𝗼𝗱𝗲𝗿𝗻 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲𝘀, with zero complexity or limitations. Schedule your 𝗺𝗲𝗲𝘁𝗶𝗻𝗴 today: ➡️ https://lnkd.in/gu2H93pB #FintechMeetup
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🌎 Highnote is 𝗯𝘂𝗶𝗹𝘁 𝗳𝗼𝗿 𝘆𝗼𝘂 to turn next-gen financial experiences from roadmap to reality. And now, as part of Mastercard's Crypto Partner Program, we’re helping shape the 𝗳𝘂𝘁𝘂𝗿𝗲 𝗼𝗳 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀. We’re proud to join a global network of 85+ crypto-native companies, payment providers, and financial institutions that are redefining how money moves. ⚡ 𝗪𝗵𝘆 𝗛𝗶𝗴𝗵𝗻𝗼𝘁𝗲? Our 𝘂𝗻𝗶𝗳𝗶𝗲𝗱 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗽𝗹𝗮𝘁𝗳𝗼𝗿𝗺 integrates issuing, acquiring, credit, and instant money movement together, backed by a real-time ledger. That gives you the speed, control, and flexibility to launch faster, differentiate your card programs, and 𝗹𝗲𝗮𝗱 𝘄𝗵𝗮𝘁’𝘀 𝗻𝗲𝘅𝘁 𝗶𝗻 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀. ��𝗲𝗮𝗿𝗻 𝗺𝗼𝗿𝗲: https://lnkd.in/gGmbwGh7
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Highnote reposted this
Payments aren't a back-office utility anymore. They’re a growth engine. 🚀 But you can't grow if you're constantly working around your vendor’s technical debt. Highnote was built on a different premise: Total ownership of your roadmap. No more "workarounds." No more "standard workflows." Check out my latest thoughts on how we’ve reshaped the foundation of embedded finance to be Built for You. https://lnkd.in/g-5t8bhP
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🧩 Too many payments platforms were designed for bank workflows, legacy systems, and someone else’s priorities. We believe ambitious companies deserve 𝘣𝘦𝘵𝘵𝘦𝘳. A platform that 𝘢𝘥𝘢𝘱𝘵𝘴 𝘵𝘰 𝘵𝘩𝘦𝘮. That belief has guided Highnote since day one. Today we’re putting it front and center. 𝗕𝘂𝗶𝗹𝘁 𝗳𝗼𝗿 𝗬𝗼𝘂. 💰 A unified payments platform designed around your roadmap so you can launch faster, differentiate your product, and expand without rebuilding your stack. Our CEO, John MacIlwaine, shares the thinking behind Built for You. 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝘀𝘁𝗼𝗿𝘆: ➡️ https://lnkd.in/geW2jdmU
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