Add Funds to an Account

Financial accounts hold payment card balances. The funding source for a financial account differs depending on your card product vertical.

The following table provides an overview of the funding source for each card product vertical:

Note: Card product cancelation periods and risk and compliance reviews can impact transfer timelines.

The following table outlines the different transfer methods used for funding a financial account, and their associated timelines:

Originated ACH transfers have specific cutoff times for processing. Initiating a transfer after the specified cutoff time may result in additional processing time.

• Originated next day ACH: If a transfer is initiated before 4 PM EST, it will be processed by the bank the following business day. If initiated after 4 PM EST, the transfer will be processed two business days from initiation.
• Originated same day ACH: If a transfer is initiated before 2 PM EST, the bank will process it the same day. If initiated after 2 PM EST, the transfer will be processed the following business day.

All originated ACH transfer methods have a required three business day hold period once the transfer has been initiated and is processing.

To retrieve a financial account ID, you can query the API using an application ID. Use the following query to find a financial account ID:

Warning: The Highnote test environment lets you explore the platform features and functionality. It is intended for experimenting, building integrations, and training your team.

To ensure the security of your real-world data, please do not use production data in the test environment. Production data includes sensitive information like customer details, financial data, or personally identifiable information (PII).

Use only dummy or test data explicitly created for testing purposes in the test environment.

Using a financialAccountId, you can simulate a non-originated ACH transfer from an external bank account into a Highnote financial account. These transfers do not require you to connect an external bank account, as they originate from the external bank, not the account holder's financial account.

To simulate a non-originated ACH transfer in the test environment, use the following mutation:

Originated ACH transfers allow you to build an experience account holders to add funds to their financial accounts from your app or website. To use originated ACH transfers, your account holder must connect a verified external account.

Once an account holder connects a verified external account, refer to the following guidelines for adding funds using originated ACH transfers:

• For the fromFinancialAccountId field, use the verified external account ID.
• For the toFinancialAccountId field, use the account holder financial account.
• Optional - Use a boolean to request the transfer to use same day ACH.

Use the following mutation to initiate an originated ACH transfer:

Note: Secure deposits are an exclusive feature of Secured Commercial Charge card products. To enable the feature for your card product, contact support@highnote.com.

Secure deposits require an originated ACH transfer from a verified external account. Once the deposit is successful, the secure deposit will set a credit limit for the account holder.

Use the following mutation to initiate a secure deposit originated ACH transfer:

Some card products require financial account funding from a product funding account using an internal Highnote transfer. Use the following input variables to ensure money is moving in the correct direction:

• toFinancialAccountId: Account holder's payment card financial account ID
• fromFinancialAccountId: Product funding account ID

Use the following mutation to initiate a transfer from your product funding account: