Fees

Transaction Lifecycle

Handle Transactions

1. [A Highnote account](https://dashboard.highnote.com/auth/signin?screen_hint=signup)
2. An [API key](/docs/basics/graphql-api/using-the-highnote-graphql-api#authentication) or the [API Explorer](/docs/explorer/default)
3. A card product, financial account, and payment card
4. *Optional* - Real or [simulated transactions](/docs/issuing/transactions/simulate-transactions)

Prerequisites

Financial account activity is recorded in the Highnote ledger. To build a transaction feed for your account holders, you can query a financial account to return its account activity and associated ledgers. Building transaction feeds against a financial account ensures financial account activity carries across all payment cards associated with the financial account.

Note the following when querying for financial account activity: 
- **For financial accounts with no activities:** The Highnote API returns four specific ledgers, `CASH`, `AVAILABLE_CASH`, `CREDIT_OUTSTANDING`, `AVAILABLE_CREDIT`. 
- **For financial accounts with activities:** The Highnote API only returns ledgers that have at least one activity on them.

Use the following query to return financial account activity: 

~~~graphql
query FindFinancialAccount(
  $id: ID!
  $firstActivities: Int
  $activitiesAfterCursor: String
) {
  node(id: $id) {
    __typename
    ... on FinancialAccount {
      __typename
      id
      financialAccountActivities(
        first: $firstActivities
        after: $activitiesAfterCursor
      ) {
        pageInfo {
          hasNextPage
          hasPreviousPage
          startCursor
          endCursor
        }
        edges {
          cursor
          node {
            __typename
            sign
            isComplete
            pendingAmount {
              value
              currencyCode
            }
            postedAmount {
              value
              currencyCode
            }
            createdAt
            source {
              ... on DebitTransaction {
                __typename
                id
                transactionEvents {
                  __typename
                  ... on Node {
                    id
                  }
                  ... on AuthorizationEvent {
                    merchantDetails {
                      category
                      name
                    }
                  }
                  ... on IssuerPreliminaryAuthorizationEvent {
                    merchantDetails {
                      category
                      name
                    }
                  }
                  ... on ClearingEvent {
                    merchantDetails {
                      category
                      name
                    }
                  }
                  ... on BalanceInquiryEvent {
                    merchantDetails {
                      category
                      name
                    }
                  }
                  ... on VerificationEvent {
                    merchantDetails {
                      category
                      name
                    }
                  }
                  ... on AuthorizationAndClearEvent {
                    merchantDetails {
                      category
                      name
                    }
                  }
                  ... on ReversalEvent {
                    merchantDetails {
                      category
                      name
                    }
                  }
                }
              }
              ... on CreditTransaction {
                __typename
                id
                transactionEvents {
                  __typename
                  ... on Node {
                    id
                  }
                  ... on AuthorizationEvent {
                    merchantDetails {
                      category
                      name
                    }
                  }
                  ... on IssuerPreliminaryAuthorizationEvent {
                    merchantDetails {
                      category
                      name
                    }
                  }
                  ... on ClearingEvent {
                    merchantDetails {
                      category
                      name
                    }
                  }
                  ... on BalanceInquiryEvent {
                    merchantDetails {
                      category
                      name
                    }
                  }
                  ... on VerificationEvent {
                    merchantDetails {
                      category
                      name
                    }
                  }
                  ... on AuthorizationAndClearEvent {
                    merchantDetails {
                      category
                      name
                    }
                  }
                  ... on ReversalEvent {
                    merchantDetails {
                      category
                      name
                    }
                  }
                }
              }
            }
          }
        }
      }
    }
  }
}
~~~

~~~json
{
  "data": {
    "node": {
      "__typename": "FinancialAccount",
      "id": "FINANCIAL_ACCOUNT_ID",
      "financialAccountActivities": {
        "pageInfo": {
          "hasNextPage": false,
          "hasPreviousPage": false,
          "startCursor": "dD0yM...hYmY",
          "endCursor": "dD0yM...hYmY"
        },
        "edges": [
          {
            "cursor": "dD0yM...hYmY",
            "node": {
              "__typename": "FinancialAccountActivity",
              "sign": "NEGATIVE",
              "isComplete": true,
              "pendingAmount": {
                "value": 0,
                "currencyCode": "USD"
              },
              "postedAmount": {
                "value": 0,
                "currencyCode": "USD"
              },
              "createdAt": "2022-12-02T03:14:37.892Z",
              "source": {
                "__typename": "DebitTransaction",
                "id": "TRANSACTION_ID",
                "transactionEvents": [
                  {
                    "__typename": "ReversalEvent",
                    "id": "TRANSACTION_EVENT_ID",
                    "merchantDetails": {
                      "category": "MISCELLANEOUS_SPECIALTY_RETAIL",
                      "name": "WALGREENS"
                    }
                  },
                  {
                    "__typename": "AuthorizationEvent",
                    "id": "TRANSACTION_EVENT_ID",
                    "merchantDetails": {
                      "category": "MISCELLANEOUS_SPECIALTY_RETAIL",
                      "name": "WALGREENS"
                    }
                  }
                ]
              }
            }
          }
        ]
      }
    }
  },
  "extensions": {
    "requestId": "REQUEST_ID"
  }
}
~~~

FindFinancialAccount

Financial account activity

Build a Transaction Feed

Issue Your First Card

Test Your Integration

Using Ledgers

Controlling Authorizations with Spend Rules

Order Physical Cards

Managing Financial Accounts

Highnote API

Search & Filters

Events and Notifications

Client Tokens and Installation

Quick Start Templates

Dashboard

Issue Cards

Control Authorizations

Transfer Funds

Manage Credit

Onboard Accounts

Compliance

Card Design

Get Started

Test the API

Generate Reports

Accept Payments

Simulate Payments

Offer Rewards

Issuing SDKs

Acquiring SDKs

Data Sharing

Highnote Overview

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Using the Highnote API

Rotate API Keys

API Rate Limiting

Request Complexity

API Error Handling

Search

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Using the Dashboard

Notifications

Events

Events Reference

Launch Checklist

Basics

Issuing Overview

Virtual Cards

Physical Cards

Digital Wallets

Design Your Card Experience

Marketing and Collateral

Cards in Marketing

Co-Brands

Onboard an Account

Request Documents for Application Review

Onboard Authorized Users

Update Account Information

Close an Account

Financial Account Revisions

Simulate Application Review

Simulate Account Closure

Manage Card Profiles

Print Physical Cards

Print Physical Cards in Bulk

Issue Preprinted Physical Cards

Display Card and Account Details

Manage Cards

Payment Card Revisions

Add Cards to Digital Wallets

Simulate Card Order Fulfillment

Simulate Address Validation

Simulate Digital Wallet Token Provisioning

Chargebacks and Disputes

Simulate Transactions

Simulate Fleet Transactions

Configure Spend Rules

Configure Velocity Controls

Collaborative Authorization

Collaborative Authorization Fleet Data

Suspend an Account

Simulate Collaborative Authorization

Add Funds to your Balance

Connect External Accounts

Add Funds to an Account

Transfer between Financial Accounts

Move Funds Out of Highnote

On-demand Funding

Payroll Advance

Simulate Connecting an External Account

Simulate a Wire Transfer

Create Credit Plans

Find Variable Interest Rates

Simulate Underwriting Decision

Collaborative Application Decisioning

Set and Update Credit Limits

Deliver Statements

Schedule Repayments

Credit Bureau Reporting

Account Delinquency

Create Secured Deposit Offer

SCRA and MLA

Simulate Billing Statements

Simulate Delinquency

Simulate Repayments

Create Reward Earn Rule

Configure Reward Redemption

Redeem Rewards

Adjust and Find Rewards

Using Reports

Card Interchange Activity Report

Card Transaction Activity Report

Experian Credit Report

Fleet Enhanced Data Summary Report

Ledger Entry Report

Summary Metrics

Data Schema

Commercial Credit

Consumer Credit

Commercial Charge

Consumer Charge

Fleet

AP Automation

Consumer Prepaid

Commercial Prepaid

Payroll

Issuing

Client Tokens

Installation

Support

Card Viewer SDK

Secure Inputs SDK for PINs

Document Upload SDK

Checkout SDK

Secure Inputs SDK for Tokenization

SDKs

Acquiring Overview

Online Payments

Recurring Payments

Payment Orders

Simulate Authorizations and Declines

Display Transactions

Acquiring