Highnote MCP. Manage accounts, cards, and transactions from chat.
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…and any MCP-compatible client
Just plug in your AI agents and start using Vinkius.
Highnote MCP Server gives your AI client direct control over your card program and financial ledgers. Manage account holders, check real-time balances, freeze cards, and track every transaction—all from natural conversation.
This centralizes fintech operations, letting you run card issuance and financial reports without complex database queries.
What your AI agents can do
Get api profile
Gets basic information about the API user who is currently connected to the system.
Get financial account
Fetches detailed balance and metadata for a specific financial ledger account.
Get payment card details
Retrieves specific details for a single payment card.
Use list_payment_cards to see all active and inactive cards, and use update_card_status to freeze or close them instantly.
Check current balances for all accounts using list_financial_accounts, and drill down into specific ledger details with get_financial_account.
View recent spending records with list_financial_transactions, then pull the full details for any single purchase using get_transaction_details.
Identify and retrieve details for account holders (individuals or businesses) using list_account_holders.
Pull individual ledger entries via list_ledger_entries to reconcile financial accounts against transaction records.
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Highnote MCP Server: 11 Tools for FinTech Operations
Control account holders, track balances, and monitor card statuses using all 11 specialized tools in the Highnote MCP Server.
019d75b1get api profile
Gets basic information about the API user who is currently connected to the system.
019d75b1get financial account
Fetches detailed balance and metadata for a specific financial ledger account.
019d75b1get payment card details
Retrieves specific details for a single payment card.
019d75b1get transaction details
Gets detailed metadata for a specific recorded transaction.
019d75b1list account holders
Lists all unique individuals and businesses that hold accounts within the Highnote program.
019d75b1list card products
Lists all different card programs (e.g., Consumer, Fleet) configured in your account.
019d75b1list financial accounts
Lists all existing financial accounts and shows their current balances.
019d75b1list financial transactions
Lists recent spending and processing transactions across all accounts.
019d75b1list ledger entries
Retrieves individual ledger entries for a financial account, useful for auditing.
019d75b1list payment cards
Lists all virtual and physical cards issued in your card program, showing their status and expiration dates.
019d75b1update card status
Changes the operational status of a card to ACTIVE, FROZEN, or CLOSED.
Choose How to Get Started
Build a custom MCP for your own tools, or connect a ready-made integration from our catalog.
Build Your Own
Turn any API into an MCP. Import a spec, define Agent Skills, or deploy with MCPFusion.
- Import from OpenAPI, Swagger, or YAML specs
- Create Agent Skills with progressive disclosure
- Deploy to edge with MCPFusion framework
- Built in DLP, auth, and compliance on every call
- Real time usage dashboard and cost metering
- Publish to catalog or keep private
Make Your AI Do More
Start with Highnote, then connect any of our 4,700+ other servers whenever your AI needs more. One click, no limits.
- Use this MCP plus 4,700+ others, all in one place
- Add new capabilities to your AI anytime you want
- Every connection is secured and compliant automatically
- Track usage and costs across all your servers
- Works with Claude, ChatGPT, Cursor, and more
- New servers added to the catalog every week
What you can do with this MCP connector
Highnote MCP Server gives your AI client direct control over your card program and financial ledgers. You can manage account holders, check real-time balances, freeze cards, and track every transaction—all from natural conversation. This centralizes fintech operations, letting you run card issuance and financial reports without complex database queries.
Getting Started
- get_api_profile: Gets basic info about the API user connected to the system.
Account Management
- list_card_products: Lists every card program (like Consumer or Fleet) set up in your account.
- list_account_holders: Lists all individuals and businesses holding accounts in the Highnote program.
- get_payment_card_details: Retrieves specific details for a single payment card.
- list_payment_cards: Lists all virtual and physical cards issued in your card program, showing their status and expiration dates. You'll use update_card_status to instantly change a card's operational status to ACTIVE, FROZEN, or CLOSED.
Financial Monitoring and Auditing
- list_financial_accounts: Shows all existing financial accounts and their current balances.
- get_financial_account: Fetches detailed balance and metadata for a specific financial ledger account.
- list_financial_transactions: Lists recent spending and processing transactions across all accounts.
- get_transaction_details: Gets detailed metadata for a specific recorded transaction.
- list_ledger_entries: Retrieves individual ledger entries for a financial account, letting you reconcile accounts against transaction records.
Running the Numbers
- list_financial_transactions lets you view recent spending and processing transactions across all accounts, and you can then pull the full details for any single purchase using get_transaction_details. list_ledger_entries lets you pull individual ledger entries to reconcile financial accounts against transaction records. list_financial_accounts gives you the current balance for every financial ledger account, and get_financial_account lets you dive into a specific account's detailed balance and metadata.
How Highnote MCP Works
- 1 Subscribe to the Highnote MCP Server and input your API Key, selecting the Test or Live environment.
- 2 Instruct your AI agent to perform the desired financial action (e.g., 'What is the balance for the Main Operations account?').
- 3 The agent executes the required tool (e.g.,
list_financial_accounts), retrieves the data, and reports the actionable summary back to you.
The bottom line is that your AI agent becomes the interface to your entire fintech backend, eliminating the need to write complex API calls.
Who Is Highnote MCP For?
The Fintech Operations Manager who dreads manually querying multiple dashboards to reconcile accounts. The Neobank Support Specialist who needs to freeze a card in seconds during a customer call. The Product Manager tracking card issuance volume in real-time. This server gives you control over the entire card lifecycle.
Uses this to check account balances and review transaction details during end-of-day reconciliation.
Uses this to look up a customer's card status or freeze a card immediately when a user reports unauthorized activity.
Uses this to monitor card issuance volume and track program activity across different card products.
What Changes When You Connect
- Instantly reconcile ledgers. Instead of writing a complex query to pull individual entries, run
list_ledger_entriesto get specific account movements for audit purposes. - Maintain real-time card control. Use
list_payment_cardsto check card statuses, then useupdate_card_statusto freeze a card immediately upon customer request. - Simplify transaction history. Get a list of recent spending with
list_financial_transactions, then useget_transaction_detailsto pull the full merchant metadata for any single purchase. - Get a full financial overview. Running
list_financial_accountsprovides all current balances. You can then useget_financial_accountto deep-dive into one specific ledger's metadata. - Manage client data easily. Use
list_account_holdersto find a unique ID for a person or business, avoiding manual lookups in separate systems. - See all card programs. Run
list_card_productsto see every card product you've configured, giving you full visibility into your entire financial offering.
Real-World Use Cases
Investigating Suspicious Activity
A fraud analyst notices unusual spending. They ask their agent to check the card. The agent runs list_payment_cards to find the ID, then runs list_financial_transactions to see the last 5 transactions. Finally, they use get_transaction_details to pull the merchant metadata and determine if it was fraud.
Daily Reconciliation Check
The ops manager needs to reconcile the 'Marketing' fund. They ask the agent to list all financial accounts (list_financial_accounts). Seeing the target account, they run list_ledger_entries to verify every single transaction against the general ledger balance.
On-the-Spot Customer Support
A customer calls about a disputed charge. The support agent asks the agent to look up the card details using get_payment_card_details and then immediately use update_card_status to freeze the card while the dispute is processed.
Product Launch Preparation
The product team wants to track a new card type. They first use list_card_products to ensure the program is configured, then use list_account_holders to see how many businesses are enrolled, giving them metrics on the launch readiness.
The Tradeoffs
Trying to get everything in one query
Manually writing a giant GraphQL query that attempts to join account holders, transactions, and card statuses into one request. This query is slow, fails if one field changes, and requires complex schema knowledge.
→
Instead, let your AI agent break it down. First, use list_account_holders to get the person's ID. Second, use list_financial_accounts to get the balance. Third, use list_payment_cards to check the status. The agent handles the sequence.
Ignoring card status checks
Assuming a card is active because the account balance is positive, without confirming its status. This leads to failed transactions and customer frustration.
→
Always check the card status first. Use list_payment_cards to confirm the status, then proceed with any transaction checks.
Forgetting to specify the ledger
When checking transactions, just asking for 'recent spending.' This gives a generic list that doesn't tell you which specific account or fund the money came from.
→
Always scope your request. Use list_financial_accounts first to identify the correct ledger ID, and then use list_financial_transactions with that context.
When It Fits, When It Doesn't
Use this server if you need to manage financial state changes or pull granular, structured data directly from Highnote. This means checking balances (list_financial_accounts), freezing cards (update_card_status), or auditing specific ledger entries (list_ledger_entries).
Don't use this if your goal is simply to read general business intelligence or aggregate data from multiple, unrelated systems. If you just need a general summary, you're better off using a BI tool. If you just need to send a message, use a messaging API. This server is for transactional, verifiable financial truth.
Independent Platform Disclaimer: Vinkius is an independent platform and is not affiliated with, endorsed by, sponsored by, verified by, or otherwise authorized by Highnote. All third-party trademarks, logos, and brand names are the property of their respective owners. Their use on this website is strictly for informational purposes to identify service compatibility and interoperability.
VINKIUS INFRASTRUCTURE
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Sandboxed per request
Zero-Trust Proxy
No stored credentials
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Policy on every call
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Works with Claude, ChatGPT, Cursor, and more
The Model Context Protocol standardizes how applications expose capabilities to LLMs. Instead of operating in isolation, your AI gains direct access to external platforms, live data, and real-world actions through secure, standardized connections.
This server provides 11 capabilities that interface natively with Claude, ChatGPT, Cursor, and any MCP client. No middleware. No custom integration required.
Available Capabilities
Reconciling financial accounts shouldn't require 10 different database tabs.
Today, reconciling an account means jumping between the main dashboard, the transaction log, the ledger view, and the card status portal. You're copying account numbers, switching tabs, and cross-referencing IDs until your fingers ache. It's slow and error-prone.
With the Highnote MCP Server, you ask your AI agent: 'Show me the ledger entries for the Main Operations account.' The agent runs `list_ledger_entries`, pulls the exact data, and gives you a clean, single report. You stop clicking and start analyzing.
Highnote MCP Server: Control card issuance and status.
Before this server, changing a card's status—freezing it or closing it—required logging into the platform's administrative UI and navigating through several menus. It was a multi-step process, leaving you exposed while you worked.
Now, you just tell your agent, 'Freeze card ID 4492.' The agent executes `update_card_status` and confirms the change instantly. You manage the card program directly from the chat interface.
Common Questions About Highnote MCP
How do I use the `list_financial_accounts` tool with Highnote MCP Server? +
The list_financial_accounts tool retrieves all financial accounts and their current balances. It’s the first step when you need a comprehensive overview of where your money is held.
Can I use `update_card_status` to change a card's status? +
Yes. update_card_status changes a card's status. You can set it to ACTIVE, FROZEN, or CLOSED, which is critical for fraud prevention.
What does `list_financial_transactions` do? +
This tool lists recent spending and processing transactions. It gives you a high-level view of spending activity and includes detailed merchant metadata.
How do I get detailed information on a single card? +
Use get_payment_card_details to get detailed information for a specific card ID. This is better than just listing cards because you get the specific data points you need.
Do I need to use `list_account_holders` to find a person's ID? +
Yes. list_account_holders finds the unique ID for a person or business. You need this unique ID to reference the correct account in other tools.
What should I use `list_ledger_entries` for? +
This tool retrieves individual ledger entries for reconciliation. You can use it to audit a financial account's activity, verifying specific transactions that need matching or investigation.
How do I check the program products available using `list_card_products`? +
It lists all card products and programs configured in your Highnote account. This lets you confirm what types of cards (like Consumer or Fleet) are available for issuance in your program.
What is the purpose of `get_api_profile`? +
get_api_profile retrieves information about the authenticated API user. This confirms your current connection credentials and the scope of data your AI agent can access.
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.
Use it with your favorite AI tools
Connect this server to Cursor, Claude, VS Code, and more.
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