No. 28 of 31 ·Banking-as-a-Service Platforms

Highnote

Web · API

Freedom report

One barScore 5.0

Free tierNo free tier on record
Open codeNo open-source code on record
Runs widely1 of 6 device platforms
DocumentedPlans, terms and facts published

Highnote is ranked #28 of 31 in banking-as-a-service platforms on Freedom251. It runs on API, Web. There is no free plan.

Highnote plans and pricing

All plans

Issuing Standard Not published Transparent pricing breakdowns · volume discounts · interchange split · dedicated program manager highnote.com · 29 Sept 2026

Acquiring Enterprise Not published Flexible pricing models · volume discounts · dedicated payments specialist highnote.com · 29 Sept 2026

Acquiring Standard Not published Pay-As-You-Go Access all features · no hidden fees · easy setup highnote.com · 29 Sept 2026

Compared on banking-as-a-service platforms

Free plan: No

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The record

What it does: Highnote brings card issuing, payment acquiring, credit, ledgering, and money movement together on one platform for businesses building financial products.
Card programs: Its issuing features include physical, virtual, and tokenized cards, spend rules, and velocity controls.
Acquiring: The platform supports accepting major debit and credit cards, direct online payments, and recurring payments.
Developer tools: Highnote lists a GraphQL API, API reference and explorer, real-time notifications and webhooks, and PCI-compliant SDKs.
Ledger and reporting: The platform includes a ledger with real-time balances and reporting for reconciliation.
Integrations: Highnote documentation describes external bank account verification and linking through Plaid and Finicity.
Security: The pricing page lists data security via the Highnote Vault and PCI-compliant SDKs.
Support: The platform includes customer and product support, and its support center directs capability and pricing questions to sales.
Notable limitation: The dashboard documentation says some capabilities are limited in the live environment due to compliance and regulations, and lists some actions that require Highnote support or cardholder initiation.
Intended customers: Highnote describes its platform as serving businesses from startups to established enterprises that want to build and scale financial products.
Founded: 2020
Headquarters: San Francisco, California, United States

Where it ranks on Freedom251

Best Banking-as-a-Service Platforms in 2026#28 of 31
Best Card Issuing Platforms in 2026#19 of 20

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Sources

highnote.com/about· checked 29 Sept 2026
highnote.com/pricing· checked 29 Sept 2026
highnote.com/docs/issuing/transfers/external-account· checked 29 Sept 2026
support.highnote.com/hc/en-us/articles/22863905407117-Using-· checked 29 Sept 2026
highnote.com· checked 28 Sept 2026