Highnote emerges from stealth with SMB focused embedded card service
- Highnote offers businesses end-to-end card issuance, physical and virtual, with a focus on small and emerging companies.
- The firm says its product is designed to be developer friendly, emphasizing control, flexibility and speed.

Highnote, an emerging embedded finance service provider run by PayPal vets, came out of stealth last week, following its latest round of funding. The firm considers itself the first card issuing platform specifically built for small and mid-sized companies.
Over the years, consumers’ expectations have evolved, and they increasingly want to be able to pay directly and instantly, whether they’re sending money to friends or family, or e-shopping for groceries, medicine, or just about anything these days. The answer to that demand in today’s virtual world is ‘embedded finance’. Firms in different industries can integrate payment, lending, and banking solutions into their core offerings through APIs. In just the US, embedded finance is poised to become a $3.6 trillion market over the next decade.
Highnote serves businesses by offering end-to-end virtual card issuance capabilities to SMBs and emerging enterprises. Using their service, businesses can easily embed issuing virtual and physical cards into their existing product offerings using simple APIs. The platform simplifies the entire process, from speed-to-market to issuance, processing, flexible offerings, and partnerships with a variety of card issuance components (card networks, sponsor banks, risk, and compliance).
Speed is a key component of the firm’s value proposition. “Utilizing the Highnote platform, our clients launch card programs in weeks, not months, and create unparalleled value for their customers,” said John Macllwaine, Highnote’s co-founder.
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