Highnote logo — company profile

Highnote

Founded 2020 United States San Francisco, United States 169 employees Convertible Note Total: $104.00M Fintech, IT +4

General Information

Company Name Highnote
Founded Year 2020
Location United States San Francisco, United States
Employees 169
Industries Fintech, IT, Information Technology +3
Funding Stage Convertible Note
Business Model Embedded Finance, B2B, SaaS
Revenue Model Transaction Fee, Usage Based, Subscription
Offices as of Aug 2026
San Francisco, United States
Social

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AI Insight

Bounce Watch AI
1 month ago

Highnote has achieved significant market validation by securing major enterprise clients such as Splitit, BNY, and Lowe's, demonstrating strong traction for its unified payments platform in embedded finance. This commercial success, coupled with industry recognition as a 'Best Workplace for Innovators' and active participation in key fintech events like Finovate Fall, underscores its growing momentum and strategic positioning. With two convertible notes recorded in 2021-2022, these recent developments could be a strong precursor to a substantial equity funding round.

Signal Types
Business Development Customer Acquisition Recognition Marketing Hiring
Strategic Labels
Enterprise Adoption Market Validation Growth Trajectory
Next Move: Fundraising
·
Impact: 9/10
·
Ideal For: Fintech VCs — Growth Stage / Series B

About Highnote

Highnote, founded in 2020, is a cutting-edge player in the Fintech and Information Technology sectors, headquartered in the United States. The startup presents a unified payments platform that seamlessly integrates card issuing, acquiring, credit, ledger, and real-time money movement, addressing current challenges faced by enterprises in launching and scaling financial products.

Unlike typical fragmented solutions that depend on multiple vendors, Highnote offers a single, comprehensive platform that enables companies to design and scale embedded financial products swiftly and strategically. This innovative approach ensures companies can maintain flexibility and responsiveness to customer needs without being hampered by traditional, piecemeal integration processes.

The most recent investment in Highnote was a $25.00M Convertible Note in June 2022, underscoring investor confidence in its transformative potential. As embedded finance continues to gain traction, Highnote is well-positioned to support enterprises seeking holistic payment solutions.

Business keywords: Embedded Finance, Card Platform, Issuer Processor, Loyalty Programs, Customer Engagement, Revenue Growth, Digital Enterprises, Virtual Payment Cards, Physical Payment Cards, Developer-Friendly Platform, Prepaid Cards, Debit Cards, Credit Cards, Brand Differentiation, Wallet Capabilities

Services & Products

Card Issuing
Payments Acquiring
Credit Management
Money Movement
Real-Time Ledgering

Target Customers

Fintechs Payment Facilitators (PayFacs) Independent Sales Organizations (ISOs) Vertical SaaS Companies Corporate Entities Travel and Online Travel Agencies (OTAs) Platforms and Marketplaces

Funding Rounds & Investors (4)

View All
Funding Stage Amount Investors Lead Investors Date
Convertible Note $25.00M -
18 Jun 2022
Convertible Note $25.00M -
01 Dec 2021
Series A $42.50M 7
Costanoa Ventures, Oak HC/FT +5
28 Sep 2021
Seed Round $11.50M 1
Oak HC/FT
31 Oct 2020

Highnote Alternatives & Competitors

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Highnote vs
Lithic
Lithic United States

Lithic is the leading card issuer processing platform powering next-generation financial experiences...

Series C
200 employees
Financial Services, Fintech
Highnote vs
Paymentology
Paymentology United Kingdom

Unstoppable Starts Here

Series A
412 employees
Fintech, Payments
Highnote vs
OMNIO
OMNIO United Kingdom

Hypercharge your business with embedded finance.

Venture round
65 employees
Financial Services, Fintech

FAQ About Highnote

Highnote is the unified payments platform integrating card issuing, acquiring, credit, ledger, and real-time money movement. Built for leading enterprises that want to launch new financial products faster, and scale beyond what legacy infrastructure allows. Building embedded finance today means man...
Highnote was founded in 2020.
Highnote is headquartered in San Francisco, United States.
Highnote operates in Fintech, IT, Information Technology, Internet, Payments and SaaS. Its work centres on Embedded Finance, Card Platform, Issuer Processor and Loyalty Programs. Its customers include Fintechs, Payment Facilitators (PayFacs) and Independent Sales Organizations (ISOs).
Highnote has a Embedded Finance, B2B and SaaS business model. Its revenue comes from Transaction Fee, Usage Based and Subscription.
Highnote has approximately 169 employees.
Highnote has completed 4 funding rounds, raising a total of $104.00M. The latest funding stage is Convertible Note.
Highnote offers: Card Issuing, Payments Acquiring, Credit Management, Money Movement, Real-Time Ledgering.
Top alternatives and competitors to Highnote include Lithic, Paymentology, OMNIO, Bankiom , Enfuce. These companies operate in related industries and serve comparable markets. You can compare them side by side on Bounce Watch.
Highnote and Lithic are both companies in similar industries. Compare their funding, team size, growth signals, and market position on Bounce Watch to see which one fits your needs.

Source: BounceWatch company record for Highnote, https://bouncewatch.com/company/highnote, updated 15 September 2026. When citing, please name BounceWatch and link this page.

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