# Highnote MCP for AI Agents AI Agent Connect > Highnote MCP lets you manage card issuance and financial ledgers through your AI agent. You can handle account holders, monitor real-time balances, and manage card statuses like freezing or closing without leaving your chat interface. It connects your Highnote program to any MCP-compatible client for direct fintech operations, allowing you to pull ledger entries, list card products, and track merchant spending with simple natural language commands. ## Overview - **Category:** money-moves - **Price:** Free - **Endpoint:** https://edge.vinkius.com/vk_preview_2qmu6xfdDXwwQnDWXgWQyxmL8DQXnyIj1U3R2827/ai-agent-connect - **Tags:** card-issuance, ledger-management, virtual-cards, financial-accounts, transaction-monitoring, fintech-infrastructure ## Description Imagine you're a fintech ops lead trying to track down a specific transaction or freeze a lost card for a customer. Usually, this means jumping into a complex dashboard, filtering through rows of data, and navigating through different tabs just to find one piece of information. You might spend ten minutes just trying to find the right account ID before you can even begin to see the balance. With this Highnote MCP, that entire process shifts into a conversation. You can just ask your agent to pull up a specific account's balance or list all the cards issued for a particular program. It handles the heavy lifting of querying your financial ledger so you don't have to. Since Vinkius hosts this connector, you can plug it into your existing workflow and let your agent act as a dedicated member of your operations team. Instead of manual data entry or constant tab switching, you get direct access to your card products, ledger entries, and merchant metadata. It's about moving from clicking through menus to just getting the answers you need to keep the business running. You can handle high-volume tasks like auditing thousands of entries or managing card statuses for hundreds of customers without the usual friction. Your agent becomes a functional part of your stack, giving you the ability to verify spending, monitor card programs, and manage account holders with simple natural language commands. ## Tools ### get_financial_account Get the balance and metadata for a specific account. This helps you see exactly how much money is sitting in a specific ledger. ### get_api_profile Retrieve details about the current API user. Use this to confirm which account your agent is currently connected to. ### get_payment_card_details Pull specific information for a single card. This is useful for checking expiration dates or card types. ### get_transaction_details View the metadata for a specific transaction. You can see where a customer spent money and what the specific merchant details are. ### list_account_holders Find the unique IDs for people or businesses in your program. This makes it easy to look up specific users quickly. ### list_card_products See all the different card programs available in your account. This helps you understand the full scope of your card offerings. ### list_ledger_entries Get a list of individual entries for a specific account. This is the go-to tool for detailed reconciliation and auditing. ### list_payment_cards See all virtual and physical cards issued in your program. This allows you to monitor the status and details of every card you've issued. ### list_financial_accounts List all your accounts along with their current balances. Use this for a high-level view of your entire financial ledger. ### list_financial_transactions Pull a list of recent spending and processing transactions. Use this to see a history of activity across your accounts. ### update_card_status Change a card's status to ACTIVE, FROZEN, or CLOSED. This lets you take immediate action on a card without manual intervention. ## Prompt Examples **Prompt:** ``` List all the financial accounts and show me the current balances for each one. ``` **Response:** ``` I've retrieved your financial accounts. You have 3 active ledgers: | Account Name | Balance | | :--- | :--- | | **Main Operations** | $145,000.00 | | **Fleet Fuel Card Fund** | $12,500.00 | | **Marketing Expenses** | $5,000.00 | Would you like to see the recent ledger entries for any of these? ``` **Prompt:** ``` Can you check the last 5 transactions for the card ending in 4492? ``` **Response:** ``` Accessing transaction history... For card **** 4492, the 5 most recent transactions include: * **$42.50** at 'Shell Station' (CLEARED) * **$12.99** at 'Starbucks' (CLEARED) * **$150.00** at 'Amazon' (CLEARED) Should I retrieve the full details for the Amazon purchase? ``` **Prompt:** ``` Freeze card ID 'card_992' right now. ``` **Response:** ``` Card frozen! I've successfully updated the status of card **card_992** to **FROZEN**. This card will no longer accept new transactions until it is unfrozen. Would you like me to notify the account holder via email? ``` ## Capabilities ### Freeze or close issued cards Instantly change a card's status to stop unauthorized spending. ### Pull real-time ledger balances Get current totals for your financial accounts in one go. ### Track merchant spending View recent transactions with specific metadata for every purchase. ### Audit individual ledger entries Pull specific records for reconciliation or financial reviews. ### Manage card program visibility See all available card products and programs in your account. ### Identify account holders Find the unique IDs for both individuals and business entities. ## Use Cases ### Freezing a lost card A customer reports a lost card. Support uses update_card_status to freeze it immediately and then uses list_payment_cards to confirm it's locked. ### Month-end reconciliation An ops lead uses list_ledger_entries to pull all records for a specific account to match against bank statements. ### Verifying merchant spending A manager uses list_financial_transactions to see recent spending and get merchant metadata for a specific card. ### Monitoring card programs A product manager uses list_card_products to see all active programs and then gets balances via list_financial_accounts. ## Benefits - Stop manual dashboard navigation by using list_financial_accounts to see all balances in one view. - Resolve customer issues faster by using update_card_status to freeze lost cards instantly. - Simplify audits by pulling specific records with list_ledger_entries instead of exporting CSVs. - Get merchant-level visibility into spending by using get_transaction_details for specific purchases. - Manage your entire card portfolio easily by using list_payment_cards to see every issued card. - Streamline user lookups by using list_account_holders to find specific business or individual IDs. ## How It Works The bottom line is that you get a direct, conversational interface for your entire Highnote fintech program. 1. Connect your Highnote account by providing your API key and selecting your environment. 2. Choose between your test or live environment to ensure you're working on the right data. 3. Ask your agent to perform tasks like listing transactions or updating card statuses. ## Frequently Asked Questions **Can I use the Highnote MCP to freeze lost cards?** Yes, you can tell your agent to freeze a card immediately. It will update the status in Highnote so the card can't be used for new transactions. **How does the Highnote MCP help with financial audits?** It allows your agent to pull individual ledger entries for any account. This makes it much faster to verify specific transactions against your records. **Can my agent see the balances of all my accounts?** Yes, you can ask your agent to list all financial accounts. It will return a list of your accounts and their current balances in one go. **Does the Highnote MCP work for both virtual and physical cards?** It works for both. You can use it to monitor the status and details of any card issued in your program. **Can I use this to see merchant details for transactions?** Yes, your agent can pull specific metadata for transactions. This includes information about where the money was spent and the merchant's details. **Is the Highnote MCP good for neobanks?** It's ideal for neobanks because it gives support teams a way to check card statuses and balances instantly during customer calls. **How do I find my Highnote API Key?** Log in to your Highnote dashboard, navigate to **Settings > API**, and you will be able to generate and copy your API key. Make sure to distinguish between Test and Live keys based on your environment. **What environments are supported?** The integration supports both the **Test** (Sandbox) and **Live** (Production) environments. You must specify which one you are connecting to during setup to ensure the correct API endpoints are used. **Can I freeze a card through this integration?** Yes! Use the `update_card_status` tool and set the status to `FROZEN`. This will immediately prevent any new authorizations on that card. You can set it back to `ACTIVE` to unfreeze it. **Is the integration secure for financial data?** Absolutely. The integration uses industry-standard Basic Authentication over HTTPS. Your credentials and financial data are encrypted and stored securely within the Vinkius Cloud infrastructure.