Highnote (platform) - Revision history

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	'''Highnote Platform, Inc.''' is an American [[financial technology]] company that develops cloud-based payments infrastructure for card issuing, embedded finance, and payment acquiring.<ref name="auto4">{{Cite web \|title=Highnote Platform Inc - Company Profile and News \|url=https://www.bloomberg.com/profile/company/1922417D:US \|website=[[Bloomberg News\|Bloomberg]]}}</ref><ref name="auto3">{{Cite web \|last=Pugh \|first=Alex \|date=September 29, 2021 \|title=Payments fintech Highnote emerges from stealth with $54m funding \|url=https://www.fintechfutures.com/m-a/payments-fintech-highnote-emerges-from-stealth-with-54m-funding \|website=FinTech Futures}}</ref> The company is based in [[San Francisco]], [[California]].<ref>{{Cite web \|title=Highnote \|url=https://www.forbes.com/companies/highnote/ \|website=[[Forbes]]}}</ref><ref name="auto2">{{Cite web \|title=About \|url=https://highnote.com/about \|website=Highnote}}</ref>		'''Highnote Platform, Inc.''' is an American [[financial technology]] company that develops cloud-based payments infrastructure for card issuing, embedded finance, and payment acquiring.<ref name="auto4">{{Cite web \|title=Highnote Platform Inc - Company Profile and News \|url=https://www.bloomberg.com/profile/company/1922417D:US \|website=[[Bloomberg News\|Bloomberg]]}}</ref><ref name="auto3">{{Cite web \|last=Pugh \|first=Alex \|date=September 29, 2021 \|title=Payments fintech Highnote emerges from stealth with $54m funding \|url=https://www.fintechfutures.com/m-a/payments-fintech-highnote-emerges-from-stealth-with-54m-funding \|website=FinTech Futures}}</ref> The company is based in [[San Francisco]], [[California]].<ref>{{Cite web \|title=Highnote \|url=https://www.forbes.com/companies/highnote/ \|website=[[Forbes]]}}</ref><ref name="auto2">{{Cite web \|title=About \|url=https://highnote.com/about \|website=Highnote}}</ref>

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 '''Highnote Platform, Inc.''' is an American [[financial technology]] company that develops cloud-based payments infrastructure for card issuing, embedded finance, and payment acquiring.<ref name="auto4">{{Cite web |title=Highnote Platform Inc - Company Profile and News |url=https://www.bloomberg.com/profile/company/1922417D:US |website=[[Bloomberg News|Bloomberg]]}}</ref><ref name="auto3">{{Cite web |last=Pugh |first=Alex |date=September 29, 2021 |title=Payments fintech Highnote emerges from stealth with $54m funding |url=https://www.fintechfutures.com/m-a/payments-fintech-highnote-emerges-from-stealth-with-54m-funding |website=FinTech Futures}}</ref> The company is based in [[San Francisco]], [[California]].<ref>{{Cite web |title=Highnote |url=https://www.forbes.com/companies/highnote/ |website=[[Forbes]]}}</ref><ref name="auto2">{{Cite web |title=About |url=https://highnote.com/about |website=Highnote}}</ref>

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	'''Highnote Platform, Inc.''' is an American [[financial technology]] company that develops cloud-based payments infrastructure for card issuing, embedded finance, and payment acquiring.<ref>{{Cite web \|title=Highnote Platform Inc - Company Profile and News \|url=https://www.bloomberg.com/profile/company/1922417D:US \|website=[[Bloomberg News\|Bloomberg]]}}</ref><ref>{{Cite web \|last=Pugh \|first=Alex \|date=September 29, 2021 \|title=Payments fintech Highnote emerges from stealth with $54m funding \|url=https://www.fintechfutures.com/m-a/payments-fintech-highnote-emerges-from-stealth-with-54m-funding \|website=[[FinTech Futures]]}}</ref> The company is based in [[San Francisco]], [[California]].<ref>{{Cite web \|title=Highnote \|url=https://www.forbes.com/companies/highnote/ \|website=[[Forbes]]}}</ref><ref>{{Cite web \|title=About \|url=https://highnote.com/about \|website=Highnote}}</ref>		'''Highnote Platform, Inc.''' is an American [[financial technology]] company that develops cloud-based payments infrastructure for card issuing, embedded finance, and payment acquiring.<ref name="auto4">{{Cite web \|title=Highnote Platform Inc - Company Profile and News \|url=https://www.bloomberg.com/profile/company/1922417D:US \|website=[[Bloomberg News\|Bloomberg]]}}</ref><ref name="auto3">{{Cite web \|last=Pugh \|first=Alex \|date=September 29, 2021 \|title=Payments fintech Highnote emerges from stealth with $54m funding \|url=https://www.fintechfutures.com/m-a/payments-fintech-highnote-emerges-from-stealth-with-54m-funding \|website=FinTech Futures}}</ref> The company is based in [[San Francisco]], [[California]].<ref>{{Cite web \|title=Highnote \|url=https://www.forbes.com/companies/highnote/ \|website=[[Forbes]]}}</ref><ref name="auto2">{{Cite web \|title=About \|url=https://highnote.com/about \|website=Highnote}}</ref>

	==History==		==History==
	Highnote was founded in 2020 in San Francisco by John MacIlwaine and Kin Kee, both former executives at [[Braintree (company)\|Braintree]].<ref>{{Cite web \|last=Pugh \|first=Alex \|date=September 29, 2021 \|title=Payments fintech Highnote emerges from stealth with $54m funding \|url=https://www.fintechfutures.com/m-a/payments-fintech-highnote-emerges-from-stealth-with-54m-funding \|website=~~[[FinTech Futures]]}}<~~/~~ref~~><ref~~>{{Cite web \|title=About \|url=https://highnote.com/about \|website~~=~~Highnote}}<~~/~~ref~~> The company emerged from stealth in 2021 with $54 million in combined seed and [[Series A]] funding from investors including Oak HC/FT, Costanoa Ventures, WestCap, XYZ Venture Capital, and SVB Capital.<ref>{{Cite web \|last=Pugh \|first=Alex \|date=September 29, 2021 \|title=Payments fintech Highnote emerges from stealth with $54m funding \|url=https://www.fintechfutures.com/m-a/payments-fintech-highnote-emerges-from-stealth-with-54m-funding \|website=FinTech Futures}}</ref>		Highnote was founded in 2020 in San Francisco by John MacIlwaine and Kin Kee, both former executives at [[Braintree (company)\|Braintree]].<ref name="auto3"/><ref name="auto2"/> The company emerged from stealth in 2021 with $54 million in combined seed and [[Series A]] funding from investors including Oak HC/FT, Costanoa Ventures, WestCap, XYZ Venture Capital, and SVB Capital.<ref>{{Cite web \|last=Pugh \|first=Alex \|date=September 29, 2021 \|title=Payments fintech Highnote emerges from stealth with $54m funding \|url=https://www.fintechfutures.com/m-a/payments-fintech-highnote-emerges-from-stealth-with-54m-funding \|website=FinTech Futures}}</ref>

	In 2023, Highnote expanded its payments platform to support consumer credit card programs, adding credit-related capabilities such as underwriting, repayment, and loan servicing tools.<ref>{{Cite web \|title=Fintech Highnote Expands Payment Platform to Support Consumer Credit Programs \|url=https://www.crowdfundinsider.com/2023/10/214807-fintech-highnote-expands-payment-platform-to-support-consumer-credit-programs/ \|website=Crowdfund Insider}}</ref> In 2024, ''[[Forbes]]'' included Highnote on its annual Fintech 50 list.<ref>{{Cite web \|title=The Future Of Wall Street And Enterprise: Fintech 50 2024 \|url=https://www.forbes.com/sites/hanktucker/2024/02/13/the-future-of-wall-street-and-enterprise-fintech-50-2024/ \|website=[[Forbes]]}}</ref> A year later, in January 2025, Highnote raised $90 million in [[Series B]] funding led by Adams Street Partners and launched a merchant acquiring product, bringing its total disclosed funding to about $145 million.<ref>{{Cite web \|date=January 21, 2025 \|title=Highnote raises $90M for expansion \|url=https://www.paymentsdive.com/news/highnote-embedded-payments-card-issuing-acquiring-capital-expansion/738325/ \|website=[[Payments Dive]]}}</ref><ref>{{Cite web \|date=January 22, 2025 \|title=Highnote secures $90m Series B to expand into U.S. merchant acquiring \|url=https://fintech.global/2025/01/22/highnote-secures-90m-series-b-to-expand-into-u-s-merchant-acquiring/ \|website=FinTech Global}}</ref>		In 2023, Highnote expanded its payments platform to support consumer credit card programs, adding credit-related capabilities such as underwriting, repayment, and loan servicing tools.<ref>{{Cite web \|title=Fintech Highnote Expands Payment Platform to Support Consumer Credit Programs \|url=https://www.crowdfundinsider.com/2023/10/214807-fintech-highnote-expands-payment-platform-to-support-consumer-credit-programs/ \|website=Crowdfund Insider}}</ref> In 2024, ''[[Forbes]]'' included Highnote on its annual Fintech 50 list.<ref>{{Cite web \|title=The Future Of Wall Street And Enterprise: Fintech 50 2024 \|url=https://www.forbes.com/sites/hanktucker/2024/02/13/the-future-of-wall-street-and-enterprise-fintech-50-2024/ \|website=[[Forbes]]}}</ref> A year later, in January 2025, Highnote raised $90 million in [[Series B]] funding led by Adams Street Partners and launched a merchant acquiring product, bringing its total disclosed funding to about $145 million.<ref name="auto">{{Cite web \|date=January 21, 2025 \|title=Highnote raises $90M for expansion \|url=https://www.paymentsdive.com/news/highnote-embedded-payments-card-issuing-acquiring-capital-expansion/738325/ \|website=[[Payments Dive]]}}</ref><ref>{{Cite web \|date=January 22, 2025 \|title=Highnote secures $90m Series B to expand into U.S. merchant acquiring \|url=https://fintech.global/2025/01/22/highnote-secures-90m-series-b-to-expand-into-u-s-merchant-acquiring/ \|website=FinTech Global}}</ref>

	In 2025 and 2026, Highnote appeared on the ''Forbes'' Fintech 50 list.<ref>{{Cite web \|title=The Future Of Payments: Fintech 50 2025 \|url=https://www.forbes.com/sites/martinacastellanos/2025/02/18/the-future-of-payments-fintech-50-2025/ \|website=[[Forbes]]}}</ref><ref>{{Cite web \|title=Forbes 2026 Fintech 50 \|url=https://www.forbes.com/lists/fintech50/ \|website=[[Forbes]]}}</ref>		In 2025 and 2026, Highnote appeared on the ''Forbes'' Fintech 50 list.<ref>{{Cite web \|title=The Future Of Payments: Fintech 50 2025 \|url=https://www.forbes.com/sites/martinacastellanos/2025/02/18/the-future-of-payments-fintech-50-2025/ \|website=[[Forbes]]}}</ref><ref>{{Cite web \|title=Forbes 2026 Fintech 50 \|url=https://www.forbes.com/lists/fintech50/ \|website=[[Forbes]]}}</ref>

	==Platform==		==Platform==
	Highnote's platform is designed for businesses that issue cards, move funds, and embed payment capabilities into their products.<ref~~>{{Cite web \|title=Highnote Platform Inc - Company Profile and News \|url=https://www.bloomberg.com/profile/company/1922417D:US \|website~~=~~[[Bloomberg News\|Bloomberg]]}}<~~/~~ref~~><ref>{{Cite web \|title=Highnote \|url=https://highnote.com/ \|website=Highnote}}</ref> It initially focused on card issuing and program management, and later expanded into payment acquiring, consumer credit, and broader money movement tools.<ref~~>{{Cite web \|last=Pugh \|first=Alex \|date~~=~~September 29, 2021 \|title=Payments fintech Highnote emerges from stealth with $54m funding \|url=https:~~/~~/www.fintechfutures.com/m-a/payments-fintech-highnote-emerges-from-stealth-with-54m-funding \|website=[[FinTech Futures]]}}</ref~~><ref~~>{{Cite web \|date=January 21, 2025 \|title~~=~~Highnote raises $90M for expansion \|url=https:~~/~~/www.paymentsdive.com/news/highnote-embedded-payments-card-issuing-acquiring-capital-expansion/738325/ \|website=[[Payments Dive]]}}</ref~~>		Highnote's platform is designed for businesses that issue cards, move funds, and embed payment capabilities into their products.<ref name="auto4"/><ref name="auto1">{{Cite web \|title=Highnote \|url=https://highnote.com/ \|website=Highnote}}</ref> It initially focused on card issuing and program management, and later expanded into payment acquiring, consumer credit, and broader money movement tools.<ref name="auto3"/><ref name="auto"/>

	The platform is a unified, API-driven system that combines card issuing, ledgering, credit features, and acquiring functions for enterprise customers and business-to-business platforms.<ref~~>{{Cite web \|date=January 21, 2025 \|title=Highnote raises $90M for expansion \|url=https://www.paymentsdive.com/news/highnote-embedded-payments-card-issuing-acquiring-capital-expansion/738325/ \|website~~=~~[[Payments Dive]]}}<~~/~~ref~~><ref~~>{{Cite web \|title=Highnote \|url=https://highnote.com/ \|website~~=~~Highnote}}<~~/~~ref~~> Its offerings have been used in products such as small-business credit cards, payroll cards, and fleet payment programs.<ref>{{Cite web \|date=February 10, 2022 \|title=Mastercard teams with fintechs on small business card \|url=https://www.paymentsdive.com/news/mastercard-teams-with-fintechs-on-small-business-card/618549/ \|website=[[Payments Dive]]}}</ref><ref>{{Cite web \|title=Ferry and BJ's Restaurants launch payroll card powered by Highnote \|url=https://thepaypers.com/payments/news/ferry-and-bjs-restaurants-launch-payroll-card-powered-by-highnote \|website=The Paypers}}</ref><ref>{{Cite web \|title=Highnote receives certification as a Visa card issuer processor \|url=https://thepaypers.com/payments/news/highnote-receives-certification-as-a-visa-card-issuer-processor \|website=The Paypers}}</ref>		The platform is a unified, API-driven system that combines card issuing, ledgering, credit features, and acquiring functions for enterprise customers and business-to-business platforms.<ref name="auto"/><ref name="auto1"/> Its offerings have been used in products such as small-business credit cards, payroll cards, and fleet payment programs.<ref>{{Cite web \|date=February 10, 2022 \|title=Mastercard teams with fintechs on small business card \|url=https://www.paymentsdive.com/news/mastercard-teams-with-fintechs-on-small-business-card/618549/ \|website=[[Payments Dive]]}}</ref><ref>{{Cite web \|title=Ferry and BJ's Restaurants launch payroll card powered by Highnote \|url=https://thepaypers.com/payments/news/ferry-and-bjs-restaurants-launch-payroll-card-powered-by-highnote \|website=The Paypers}}</ref><ref>{{Cite web \|title=Highnote receives certification as a Visa card issuer processor \|url=https://thepaypers.com/payments/news/highnote-receives-certification-as-a-visa-card-issuer-processor \|website=The Paypers}}</ref>

	==References==		==References==

wikipedia>Gejank: ←Created page with '{{Short description|American embedded finance and payments platform}} {{Infobox company | name = Highnote Platform, Inc. | type = Private | industry = Financial technology | founded = {{start date and age|2020}} in San Francisco, California, United States | founders = John MacIlwaine
Kin Kee | hq_location_city = San Francisco | hq_locatio...'

2026-03-16T22:18:01Z

←Created page with '{{Short description|American embedded finance and payments platform}} {{Infobox company | name = Highnote Platform, Inc. | type = Private | industry = Financial technology | founded = {{start date and age|2020}} in San Francisco, California, United States | founders = John MacIlwaine Kin Kee | hq_location_city = San Francisco | hq_locatio...'

New page

{{Short description|American embedded finance and payments platform}}

{{Infobox company
| name = Highnote Platform, Inc.
| type = [[Private company|Private]]
| industry = [[Financial technology]]
| founded = {{start date and age|2020}} in [[San Francisco]], [[California]], [[United States]]
| founders = John MacIlwaine Kin Kee
| hq_location_city = [[San Francisco]]
| hq_location_country = [[United States]]
| area_served = Worldwide
| key_people = John MacIlwaine (CEO)
| products = Highnote platform
| services = Card issuing Payment acquiring Credit program management Money movement infrastructure
| website = {{URL|highnote.com}}
}}

'''Highnote Platform, Inc.''' is an American [[financial technology]] company that develops cloud-based payments infrastructure for card issuing, embedded finance, and payment acquiring.<ref>{{Cite web |title=Highnote Platform Inc - Company Profile and News |url=https://www.bloomberg.com/profile/company/1922417D:US |website=[[Bloomberg News|Bloomberg]]}}</ref><ref>{{Cite web |last=Pugh |first=Alex |date=September 29, 2021 |title=Payments fintech Highnote emerges from stealth with $54m funding |url=https://www.fintechfutures.com/m-a/payments-fintech-highnote-emerges-from-stealth-with-54m-funding |website=[[FinTech Futures]]}}</ref> The company is based in [[San Francisco]], [[California]].<ref>{{Cite web |title=Highnote |url=https://www.forbes.com/companies/highnote/ |website=[[Forbes]]}}</ref><ref>{{Cite web |title=About |url=https://highnote.com/about |website=Highnote}}</ref>

==History==
Highnote was founded in 2020 in San Francisco by John MacIlwaine and Kin Kee, both former executives at [[Braintree (company)|Braintree]].<ref>{{Cite web |last=Pugh |first=Alex |date=September 29, 2021 |title=Payments fintech Highnote emerges from stealth with $54m funding |url=https://www.fintechfutures.com/m-a/payments-fintech-highnote-emerges-from-stealth-with-54m-funding |website=[[FinTech Futures]]}}</ref><ref>{{Cite web |title=About |url=https://highnote.com/about |website=Highnote}}</ref> The company emerged from stealth in 2021 with $54 million in combined seed and [[Series A]] funding from investors including Oak HC/FT, Costanoa Ventures, WestCap, XYZ Venture Capital, and SVB Capital.<ref>{{Cite web |last=Pugh |first=Alex |date=September 29, 2021 |title=Payments fintech Highnote emerges from stealth with $54m funding |url=https://www.fintechfutures.com/m-a/payments-fintech-highnote-emerges-from-stealth-with-54m-funding |website=FinTech Futures}}</ref>

In 2023, Highnote expanded its payments platform to support consumer credit card programs, adding credit-related capabilities such as underwriting, repayment, and loan servicing tools.<ref>{{Cite web |title=Fintech Highnote Expands Payment Platform to Support Consumer Credit Programs |url=https://www.crowdfundinsider.com/2023/10/214807-fintech-highnote-expands-payment-platform-to-support-consumer-credit-programs/ |website=Crowdfund Insider}}</ref> In 2024, ''[[Forbes]]'' included Highnote on its annual Fintech 50 list.<ref>{{Cite web |title=The Future Of Wall Street And Enterprise: Fintech 50 2024 |url=https://www.forbes.com/sites/hanktucker/2024/02/13/the-future-of-wall-street-and-enterprise-fintech-50-2024/ |website=[[Forbes]]}}</ref> A year later, in January 2025, Highnote raised $90 million in [[Series B]] funding led by Adams Street Partners and launched a merchant acquiring product, bringing its total disclosed funding to about $145 million.<ref>{{Cite web |date=January 21, 2025 |title=Highnote raises $90M for expansion |url=https://www.paymentsdive.com/news/highnote-embedded-payments-card-issuing-acquiring-capital-expansion/738325/ |website=[[Payments Dive]]}}</ref><ref>{{Cite web |date=January 22, 2025 |title=Highnote secures $90m Series B to expand into U.S. merchant acquiring |url=https://fintech.global/2025/01/22/highnote-secures-90m-series-b-to-expand-into-u-s-merchant-acquiring/ |website=FinTech Global}}</ref>

In 2025 and 2026, Highnote appeared on the ''Forbes'' Fintech 50 list.<ref>{{Cite web |title=The Future Of Payments: Fintech 50 2025 |url=https://www.forbes.com/sites/martinacastellanos/2025/02/18/the-future-of-payments-fintech-50-2025/ |website=[[Forbes]]}}</ref><ref>{{Cite web |title=Forbes 2026 Fintech 50 |url=https://www.forbes.com/lists/fintech50/ |website=[[Forbes]]}}</ref>

==Platform==
Highnote's platform is designed for businesses that issue cards, move funds, and embed payment capabilities into their products.<ref>{{Cite web |title=Highnote Platform Inc - Company Profile and News |url=https://www.bloomberg.com/profile/company/1922417D:US |website=[[Bloomberg News|Bloomberg]]}}</ref><ref>{{Cite web |title=Highnote |url=https://highnote.com/ |website=Highnote}}</ref> It initially focused on card issuing and program management, and later expanded into payment acquiring, consumer credit, and broader money movement tools.<ref>{{Cite web |last=Pugh |first=Alex |date=September 29, 2021 |title=Payments fintech Highnote emerges from stealth with $54m funding |url=https://www.fintechfutures.com/m-a/payments-fintech-highnote-emerges-from-stealth-with-54m-funding |website=[[FinTech Futures]]}}</ref><ref>{{Cite web |date=January 21, 2025 |title=Highnote raises $90M for expansion |url=https://www.paymentsdive.com/news/highnote-embedded-payments-card-issuing-acquiring-capital-expansion/738325/ |website=[[Payments Dive]]}}</ref>

The platform is a unified, API-driven system that combines card issuing, ledgering, credit features, and acquiring functions for enterprise customers and business-to-business platforms.<ref>{{Cite web |date=January 21, 2025 |title=Highnote raises $90M for expansion |url=https://www.paymentsdive.com/news/highnote-embedded-payments-card-issuing-acquiring-capital-expansion/738325/ |website=[[Payments Dive]]}}</ref><ref>{{Cite web |title=Highnote |url=https://highnote.com/ |website=Highnote}}</ref> Its offerings have been used in products such as small-business credit cards, payroll cards, and fleet payment programs.<ref>{{Cite web |date=February 10, 2022 |title=Mastercard teams with fintechs on small business card |url=https://www.paymentsdive.com/news/mastercard-teams-with-fintechs-on-small-business-card/618549/ |website=[[Payments Dive]]}}</ref><ref>{{Cite web |title=Ferry and BJ's Restaurants launch payroll card powered by Highnote |url=https://thepaypers.com/payments/news/ferry-and-bjs-restaurants-launch-payroll-card-powered-by-highnote |website=The Paypers}}</ref><ref>{{Cite web |title=Highnote receives certification as a Visa card issuer processor |url=https://thepaypers.com/payments/news/highnote-receives-certification-as-a-visa-card-issuer-processor |website=The Paypers}}</ref>

==References==
{{reflist}}

[[Category:2020 establishments in California]]
[[Category:Companies based in San Francisco]]
[[Category:Financial technology companies of the United States]]
[[Category:Software companies established in 2020]]