Highnote is a fintech company focused on building the future of embedded finance experiences for businesses, with a talented team that values customer obsession, executional excellence, and intentional inclusion.

Kin Kee

John MacIlwaine

Highnote

M2S Capital is focused on applying technology to the financial industry. It provides expertise and relationships to invest in FinTech companies, which are experiencing significant changes in the financial market.

M2S Capital

Highnote is the world’s most modern card platform, purpose-built to grow customer loyalty, engagement, and revenue through embedded card issuance experiences. 

With an all-in-one platform and a fully integrated issuer processor built from scratch to address the use cases of today and tomorrow, Highnote gives you unparalleled control, flexibility, and speed to realize your customer vision through innovative embedded finance experiences. 

Utilizing the developer-friendly Highnote platform, product and engineering teams at digital enterprises of all sizes can easily and efficiently embed virtual and physical payment cards (commercial and consumer prepaid, debit, credit, and charge), ledger, and wallet capabilities into their existing products, creating compelling value for users while growing revenue and building a unique and differentiated brand.

Not every company can claim they have a time machine, but Highnote can! Sort of. 

Read how our resident credit expert Art Gendelman and his team created visibility into delinquent account scenarios long before a card is ever even activated. 

#ICYMI #Delinquency #Simulations

Embedded finance has been a hot topic lately, but its impact varies across industries. So, where can we expect true disruption opportunities in 2024? Dive into insights from our industry relations lead, Julio Gomez, as he explores the sectors poised for transformation via embedded finance in this piece featured in Payments Dive.

 #EmbeddedFinance #IndustryInsights #DigitalTransformation

Happy Friday! For our #HighnoteOfTheWeek, we’re celebrating #BlackHistoryMonth. Our Black History Month planning team compiled some amazing resources we’ll explore together throughout the month, with a focus on the official BHM 2024 theme: African Americans and the Arts. 

Want to explore some of these resources on your own? Check these out. We'll link to each resource in the comments.

- Book: We’ll be hosting a book club exploring Toni Morrison’s The Source of Self-Regard, a collection of this writer’s most important essays and speeches spanning four decades.
- Podcast: Still Processing is a podcast hosted by Wesley Morris and J Wortham, two Black culture writers from the New York Times. It explores culture in all forms, from art to pop to politics. (We recommend the “I’m That Girl episode.”)
- Museum Tour: The Searchable Museum transforms the artifacts, stories, and interactive experiences of the Smithsonian’s National Museum for African American History and Culture into a digital platform. (We highly recommend the music experience of the Afrofuturism exhibit.)

Happy exploring, and happy Black History Month!

Sophisticated card programs don’t have to be challenging to manage. With the right card partner, complex account architectures should lead to innovative solutions, not create headaches. 

That’s why we’re proud to spotlight one of our newer features: On-Demand Funding. Fund intricate card architectures and increase capital efficiency seamlessly, all within one modern platform. 

#OnDemandFunding #JIT #MoneyMovement #PaymentsInnovation

Payment innovators do not, and can not, simply accept the status quo. Good news, neither do we. 

If you have an established card program but are considering differentiating your brand and card program with flexible features on a modern platform, it may be time to take things to the next level.

Could you be ready for a new issuer processor? Our very own industry relations lead, Julio Gomez, explores five indicators that you should make the switch.

#PaymentsInnovation #PainPoints #CardPartner

Happy Friday!

🎉 We’re celebrating our #HighnoteOfTheWeek by saying “congratulations!” to Highnote folks who celebrated their work anniversaries this month.

Congratulations on one year at Highnote….
Mary Boomsma
Michael Daniels 
Huma Khan
Lapis Kim 
Victoria Ku
Kaushik Lakshmikanth

And congratulations on two years at Highnote…
Lyndsay A.
Brian Bailey 
Joe Benscoter
Morgan Howell 
Irma L.
Hannah McLean

And congratulations on three years at Highnote…
Lisa Hamm
Jody S.
Andrew Tsui

Even the most high-performance companies will end up with a few frustrated customers. That’s why today, for our #HighnoteOfTheWeek, we’re spotlighting our newest feature: Chargeback Simulations. 🎉 

Using our APIs, your team can simulate the transaction activity and ledger movement that would occur in the live environment. With this level of control over your notifications, emails, and account workflows, you can shape a wholly customized experience that aligns with your brand and improves customer engagement.

#Chargebacks #Disputes #PaymentsInnovation #Simulations

Happy Friday!

For this week’s #HighnoteOfTheWeek, we’re thrilled to share our latest customer to launch: CT Payer, LLC! 

CT Payer, an online payment solution tailored for health-related study participant compensation, was looking for a solution that scaled as their business did. Currently, the largest clinical trial units conduct up to 100 studies each year, with the average trial requiring 3 to 5 payments per patient and as many as 1,000 patients in a trial. With such complex payment needs, CT Payer needed a card partner that was up to the task. Luckily, Highnote, one of the most flexible, versatile, and reliable card platforms available today, handled not only the growth of CT Payer’s business but also a seamless migration from a previous platform. 

Read more about how our platform enabled CT Payer’s innovative solution to streamline healthcare research competition and drive greater inclusion in research studies. 

#PaymentsInnovation #Modernization #Fintech #Inclusion

What does it mean to be #CustomerObsessed? It means examining each process with a microscope to ensure it benefits the customer as much as possible. We’re flashing back to how our head of customer support, Marlo Gudauskas, and her team did precisely that in this article from Built In. 

#CustomerObsessed #CustomerSupport #ExecutionalExcellence

Innovation never stops at Highnote. We’re charging right into 2024 with even more improvements to our platform. Today, we're excited to introduce our newest feature: Card Profiles! 💳✨

Crafted through in-depth conversations with our customers, Card Profiles unlocks unprecedented control over the look, feel, and behavior of each card issued. This feature not only improves customer experience but also reduces complexity while allowing for better personalization.

With capabilities such as supporting multiple BIN types, managing co-brand partnerships, and facilitating premium card experiences such as metal cards for truly reinforcing a brand, Highnote empowers customers to tailor their offerings to the specific needs of their audience.

We’re setting the stage for our customers to stand out from their competition on levels previously unseen. Here’s to a 2024 of empowering companies to move faster and innovate. 

#Highnote #Innovation #CardProfiles #Fintech #CustomerObsession

Metric
Company Name	Highnote	M2S Capital
Symbol
MSH ID	COM:HIGHNOTE	COM:M2SCAPITAL
Market	PRIVATE	PRIVATE
Sector	Financial Services & Finance	Financial Services & Finance
Industry	Financial Technology (Fintech)	FinTech
Country	US	CA
Stage
Employee Count	124
Website	highnote.com	m2scapital.com
LinkedIn	highnote
Founders

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Enterprise Value
Monthly Web Traffic	4.78K
Web Traffic Growth	2.96
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Raised Capital	25M

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COM:HIGHNOTE

Highnote

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