# Highnote > Highnote is a unified payments platform for launching and scaling modern financial experiences. It combines card issuing, acquiring, credit, and money movement into a single platform designed around your roadmap. Highnote enables businesses to build, launch, and scale payment products with a technology-first approach. Highnote provides a single, unified platform that brings together card issuing, payment acquiring, credit, and money movement. Rather than stitching together multiple vendors, builders can use one API and one ledger to power every payment flow. The platform is designed for fintechs, SaaS companies, and enterprises that want to embed financial products into their own experiences. ## Products - [Card Issuing](https://highnote.com/products/issuing): Launch physical, virtual, and tokenized cards. Highnote helps you issue cards, support customers, and scale securely with major network integrations. Issue any card type — debit, credit, prepaid, or commercial — with full control over card design, spend rules, and lifecycle management. - [Acquiring](https://highnote.com/products/acquiring): Fast, reliable, and scalable — the Highnote Platform offers a fully embedded, technology-first approach to payments processing. Accept payments across channels with transparent pricing and real-time settlement. - [Credit](https://highnote.com/products/credit): Highnote offers the ability to issue credit cards, optimize pricing, control spend, and more — all on a single platform. Launch consumer or commercial credit programs with flexible credit policies and real-time decisioning. - [Unified Payments](https://highnote.com/products/unified-payments): Consolidate your payments with an all-in-one unified payment platform. Move money instantly, reduce fees, and take control of your payment processes. Combine issuing and acquiring on a single ledger for complete transaction visibility. ## Solutions - [Agentic Commerce](https://highnote.com/solutions/agentic-commerce): Highnote's unified platform for embedded finance allows businesses to securely power transactions initiated by AI agents, digital assistants, and automated software systems. Features programmable payment credentials, real-time authorization control, secure tokenized payments, embedded funds movement, and unified transaction intelligence. - [Embedded Payments](https://highnote.com/solutions/embedded-payments): Discover how embedded payments and embedded finance help platform builders boost revenue and control every transaction on Highnote's trusted unified platform. Embed card issuing, payment acceptance, and money movement directly into your product. - [Spend Management](https://highnote.com/solutions/spend-management): Build your spend management product on a unified platform that combines issuing, acquiring, and real-time ledgering for complete spend visibility and control. Create corporate card programs with custom spend policies, real-time alerts, and automated expense categorization. - [Money Movement](https://highnote.com/solutions/money-movement): Move money in and out with real-time visibility. Highnote supports payouts, account funding, pull transactions, and multi-rail money movement on a unified ledger platform. Power ACH, wire, and real-time transfers from a single integration. - [Disbursements](https://highnote.com/solutions/disbursements): Power corporate disbursements and payouts with Highnote. Send funds to cards, bank accounts, or digital wallets with flexible payout rails and real-time tracking. - [AP Automation](https://highnote.com/solutions/ap-automation): Quickly test and launch your accounts payable product. Control spend, automate reviews, and grow with a scalable, flexible platform. Issue virtual cards for each invoice and reconcile payments automatically. - [Fleet](https://highnote.com/solutions/fleet): Issue fleet cards and control spend in real time with Highnote's unified platform for issuing and acquiring. Track fuel and expenses with ease. Set merchant category restrictions, per-transaction limits, and driver-level controls. - [Ecommerce](https://highnote.com/solutions/ecommerce): Highnote offers a fast, reliable, and scalable platform to accept ecommerce payments online. Process card-present and card-not-present transactions with competitive interchange rates. - [SaaS](https://highnote.com/solutions/saas): Highnote unifies issuing, acquiring, money movement, and ledgering into a single embedded finance platform, enabling SaaS companies to innovate faster and own more of the customer relationship. Add payments as a feature of your vertical software. - [Travel](https://highnote.com/solutions/travel): Highnote gives OTAs a unified payments and issuing platform that connects every part of the transaction journey. Issue virtual cards for supplier payments and accept traveler payments on a single ledger. - [Branded Credit](https://highnote.com/solutions/branded-credit): Highnote allows you to launch your branded credit card program on a unified platform. Offer co-branded or private-label credit cards with customizable rewards, credit limits, and cardholder experiences. ## Docs - [Documentation](https://docs.highnote.com): Developer documentation, integration guides, and quickstart tutorials for building on the Highnote platform. - [API Reference](https://docs.highnote.com/reference/api): Complete API reference with endpoint documentation, request/response schemas, and code examples. - [API Changelog](https://docs.highnote.com/changelog): Latest API updates, new features, deprecations, and breaking changes. - [Status](https://status.highnote.com): Real-time platform status, uptime monitoring, and incident history. ## Customers - [Customers](https://highnote.com/customers): Meet the companies that chose Highnote to build their payment products. Case studies and success stories from businesses across industries. - [Fluz](https://highnote.com/customers/fluz): How Fluz built its cashback and payments experience on Highnote. - [Ferry](https://highnote.com/customers/ferry): How Ferry powers its financial products with Highnote's unified platform. - [RoadFlex](https://highnote.com/customers/roadflex): How RoadFlex built fleet fuel card management on Highnote. ## Playbooks - [Executive Playbooks](https://highnote.com/playbooks): Executive playbooks for finance and product leaders navigating embedded payments, card program migration, and unified platform strategy. - [The CFO's Guide to Choosing an Embedded Finance Partner](https://highnote.com/playbooks/the-cfo-guide-to-choosing-an-embedded-finance-partner): A guide for CFOs evaluating embedded finance partners, covering total cost of ownership, risk management, and platform scalability. - [The Builders Playbook for Unified Embedded Payments](https://highnote.com/playbooks/builders-playbook-for-unified-embedded-payments): A technical playbook for product and engineering leaders building unified payment experiences from issuing through acquiring. - [Enterprise Guide to Card Program Migration](https://highnote.com/playbooks/enterprise-guide-to-card-program-migration): A comprehensive guide for enterprises migrating card programs to a modern platform. Don't just migrate — modernize. ## Company - [About](https://highnote.com/about): Building the future of embedded finance experiences for businesses everywhere. Learn about Highnote's mission, team, and values. - [Pricing](https://highnote.com/pricing): Transparent pricing, tailored for you. Highnote offers clear, competitive pricing with no hidden fees. - [Blog](https://highnote.com/blog): The latest from Highnote — product updates, industry insights, company news, and thought leadership on payments and embedded finance. - [Press](https://highnote.com/press): The latest Highnote press and news. Funding announcements, partnerships, and media coverage. - [Careers](https://highnote.com/careers): Help us build the future of payments. View open positions and learn about Highnote's culture. - [Contact](https://highnote.com/contact): Talk to our sales team. We'd love to learn more about your business and how Highnote can help. - [Request Demo](https://highnote.com/request-demo): Schedule a personalized demo of the Highnote platform. - [Product Updates](https://highnote.com/product-updates): Latest product releases and feature updates from Highnote. - [Support](https://support.highnote.com): Customer support and help center. ## Optional - [Compare Highnote](https://highnote.com/compare): Compare Highnote's unified platform to other payment providers. See how consolidating issuing and acquiring delivers lower costs and better experiences. - [Compare Instant Payments](https://highnote.com/compare/instant-payments): Compare instant payment capabilities across platforms. - [Privacy Policy](https://highnote.com/agreements/privacy): Highnote's privacy policy and data handling practices. - [Terms of Service](https://highnote.com/agreements/terms): Highnote's terms of service agreement. - [State Licenses](https://highnote.com/agreements/state-licenses): Highnote's state-by-state licensing information. - [Plaid Terms](https://highnote.com/agreements/plaid-terms): Terms related to Plaid integration.