You can use Highnote's rewards feature to create a rewards program for your card product. The rewards feature works by using configurable reward earn rules. Once you attach a reward earn rule to your card product, account holders can earn rewards. They can then redeem these rewards through reward redemptions.
Reward earn rules define how account holders earn rewards points. Highnote supports two types of reward earn rule configurations:
You can use both MCC-based and default reward earn rules to create a robust rewards system. For example, you could use MCC-based earn rules to offer 3% cash back on travel. Then, you could use default earn rules to offer 1% cash back on everything else.
Note the following guidelines when creating an MCC-based earn rule:
To offer rewards for your card product, you must contact support@highnote.com to request that the feature be enabled for your card product. The feature is enabled by default for all consumer revolving credit card products.
To use the feature for your card product(s) in the live environment, you must complete the following requirements:
The test environment allows you to fully test the feature before going live.
When creating reward earn rules, you must set reward point earnings. Reward point earnings set your reward rate. For example, if you set a reward point earning of 2, your account holders will earn 2 points for every $1 spent.
Highnote rounds down fractional reward points. For example, with a point earning rate of 1.5, a cardholder who spends $11 on a transaction would earn 16.5 reward points. Highnote rounds this number down to 16 reward points in the reward points ledger.
Note: Once your rewards program is approved, the Highnote team will assist with creating reward earn rules in the live environment.
Use the following mutation to create an MCC-based reward earn rule in the test environment. Adjust the rewardPointEarning
rate according to your own reward point logic:
Note: Once your rewards program is approved, the Highnote team will assist with creating reward earn rules in the live environment.
Use the following mutation to create a default reward earn rule in the test environment. Adjust the rewardPointEarning
rate according to your own reward point logic:
Note: Once your rewards program is approved, the Highnote team will assist with attaching your earn rules to your card product(s) in the live environment.
After creating a reward earn rule, you must attach it to a card product. This allows account holders to start earning rewards.
Use the following mutation to attach a reward earn rule to a card product in the test environment:
Warning: When updating the effectiveThrough
date, the data must be now or in the future.
If a rule needs to be “deactivated” from earn reward points, the attachment’s effectiveThrough
date can be updated to stop earning points at a given time.
Use the following mutation to update the attachment between the reward earn rule and the product in the test environment:
You can query for a reward earn rule to display it in your website or application. You can query for a reward earn rule using the following methods:
Use the following mutation to query for a reward earn rule using the reward earn rule ID:
Use the following mutation to query for a reward earn rule using your card product ID:
Use the following mutation to query for a reward earn rule using your organization ID: