Home / Issuing / Issue Cards
Note: This guide provides an overview of issuing a financial account and virtual card product using the Highnote API. For instructions on issuing cards using the dashboard and an overview of payment cards, see Payment card basics.
Warning: For security and compliance reasons, do not use the account holder's name when assigning a name
to a financial account.
Once you have an account holder with an approved application, you can issue a financial account. Financial accounts hold funds for an account holder's payment card(s).
Use the following mutation to issue a financial account, using the approved application's applicationId
as an input:
All payment cards start as virtual cards, with the option to issue physical or tokenized cards. After creating a financial account for the account holder, you can issue them a virtual card. Refer to the following guidelines when issuing virtual cards:
The following mutation can be used to issue a virtual card associated with a card profile set. If you are issuing a virtual card without a card profile set, remove the cardProfileSetId
input variable:
You can either activate virtual cards at creation or provide an experience for account holders to activate their virtual cards from your app or website. The following graphic provides an overview of the card activation flow:
Use the following mutation to activate a card:
Warning: Payment cards must be activated before you set the PIN.
Prepaid cards have debit capabilities, so they must have a PIN set after activation. This allows access to ATMs and/or receive cashback at checkout.
You must create an interface for the account holder to set their PIN after activating their payment card. Refer to the following guides to create a PIN management interface:
Use the following mutation to set a PIN:
When a virtual card is issued, you can print it is a physical card or issue a tokenized card. For more information, see the following guides: