Supercharge your AI with Highnote. Control your entire card program via conversation.
Works with every AI agent you already use
…and any MCP-compatible client








Connect to your AI in seconds.
Highnote automates card issuance and financial management for fintech programs. Use this MCP to manage account holders, monitor real-time balances across ledgers, track transactions down to merchant metadata, and control virtual or physical card statuses—all directly from your AI agent.
What your AI can do
Get financial account
Fetches detailed balance and metadata for one specific financial account ID.
Get api profile
Retrieves basic identifying information about the user who is currently connected to Highnote.
Get payment card details
Gets full details about a single, specified card, including its type and status.
Retrieve details for individuals or businesses linked to your card program.
List, view status, and change the active state of virtual or physical cards.
Access current balances and metadata for all linked financial ledger accounts.
Get detailed records of recent spending, including merchant data.
Fetch specific individual entries to help close out accounts for auditing purposes.
Ask an AI about this
Compatible AI Apps
OAuth 2.0 CompatibleWaiting for input…
Highnote: 11 Tools Available
These tools give you direct control over every aspect of your financial card platform, from checking balances to updating individual card statuses.
Make your AI actually useful.
Add this MCP to Claude, Cursor, or Windsurf and your AI stops guessing. It gets real tools to look things up, take action, and handle the stuff you keep doing by hand.
Start using Highnote on VinkiusGet Financial Account
Fetches detailed balance and metadata for one specific financial account ID.
Get Api Profile
Retrieves basic identifying information about the user who is currently connected to...
Get Payment Card Details
Gets full details about a single, specified card, including its type and status.
Get Transaction Details
Retrieves the detailed metadata for any given financial transaction ID.
List Account Holders
Lists all unique individuals or businesses that currently hold accounts in your...
List Card Products
Shows the different types of card programs (like consumer or fleet) configured under your account.
List Financial Accounts
Lists every financial ledger account and provides its current, aggregate balance.
List Ledger Entries
Pulls individual ledger entries, which is useful when you need to reconcile specific...
List Payment Cards
Shows all physical and virtual cards issued in the program, along with their status...
List Financial Transactions
Retrieves a list of recent spending and processing transactions for the program.
Update Card Status
Changes a card's operational status to ACTIVE, FROZEN, or CLOSED based on required...
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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.
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Make Your AI Do More
Start with Highnote, then connect any of our 5,000+ other servers whenever your AI needs more. One click, no limits.
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- Works with Claude, ChatGPT, Cursor, and more
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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.
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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 connection provides 11 powerful capabilities that interface natively with Claude, ChatGPT, Cursor, and other compatible AI platforms. No middleware. No custom integration required.
Checking account balances used to mean switching between dashboards.
Today, checking a client's financial health is a pain. You open the main ledger screen, check the balance; then you click over to the card issuance dashboard to verify if the associated cards are active; next, you might have to go into transaction history just to see what the last large charge was. It’s three different tabs and at least five clicks for one simple view.
With this MCP, you tell your agent exactly what you need—'Show me all current balances and list the last ten transactions.' The agent handles the switches between ledger data, card status checks, and transaction logs, giving you a single, comprehensive answer without you touching a dashboard.
Get full control with Highnote MCP
The manual process of freezing or unfreezing cards involves logging into the card management portal, finding the specific card ID, navigating to its profile, and manually selecting 'Freeze' or 'Activate.' It’s repetitive and prone to human error.
Now you simply tell your agent: 'Freeze card ending in 4492.' The MCP executes the `update_card_status` tool directly. That's it. You get immediate confirmation that the status is updated, without leaving your chat window.
What your AI can actually do with this
You connect your entire card program—account holders, financial accounts, cards, and transaction data—to any AI agent via Vinkius. This MCP lets you take full command of complex fintech operations through simple conversation. Instead of running dozens of queries against a GraphQL schema just to check an account balance or freeze a card, you just ask your agent to do it.
It handles the underlying complexity. You can list all active program products and track every movement, from checking individual ledger entries for reconciliation to getting detailed metadata on recent spending. If you're managing anything that involves money moving—from neobank support to high-volume commerce—this MCP gives your AI assistant the operational depth of a dedicated fintech team member.
019d75b1-5719-71ed-9e14-5dfc0834e7e1 Here's how it actually works
The bottom line is, you talk naturally to your AI client and it executes complex financial API calls in the background.
Subscribe to this MCP and provide your Highnote API Key, specifying the test or live environment.
Your AI agent processes a natural language request (e.g., 'What's the balance for main operations?').
The MCP invokes the necessary tool—like list_financial_accounts—and returns the specific data to your agent.
Who is this actually for?
Fintech Ops Managers and Customer Support agents need this. It's for anyone who spends time clicking between dashboards (ledger views, card status pages, transaction history) just to answer a simple customer question or close out an account audit.
You use this MCP to quickly check real-time balances and review detailed ledger entries during end-of-day reconciliation.
A customer calls about a suspicious charge. You immediately run get_transaction_details to get the full merchant metadata and check if the card status needs updating using update_card_status.
You monitor program health by listing available card products (list_card_products) or checking overall card issuance volume via list_payment_cards.
What Changes When You Connect
Instantly check balances and transaction history. Instead of navigating multiple dashboards, you can run list_financial_accounts and immediately see the money figures needed for reconciliation.
Handle customer disputes faster. Use get_transaction_details to pull merchant metadata on a disputed charge and verify it against the card's status using get_payment_card_details.
Manage card inventory in real time. You can list all cards with list_payment_cards, monitor their expiration dates, and use update_card_status to freeze them immediately if suspicious activity is reported.
Audit accounts without manual lookups. When you need to reconcile an account, running list_ledger_entries pulls the granular data needed for auditors in seconds.
Know your program structure. Use list_card_products to confirm what card types are active before attempting to manage a new issuance or program.
See it in action
Closing out an audited account
An accountant needs to verify every transaction for Q2. They ask their agent to run list_financial_transactions followed by list_ledger_entries. The agent compiles both lists, providing the specific data points needed for a clean audit report.
Stopping fraud immediately
A user reports suspicious charges. The agent first checks card status using get_payment_card_details, confirms it's active, and then runs update_card_status to set it to 'FROZEN', stopping any further loss instantly.
Onboarding a new business client
The support agent needs to verify the company's operational account. They run list_account_holders to confirm the entity ID, then use get_financial_account to show the client their current available balance.
Reviewing program capability
A product manager wants to see what kind of cards are available. They ask the agent to run list_card_products and get a clear list, confirming if they can issue both consumer and fleet cards.
The honest tradeoffs
Over-relying on single endpoints
A developer only uses list_financial_accounts to check the balance, then has to make a second call just to see who owns that account. This creates two separate API calls for one piece of user information.
The agent handles this workflow: First, use list_account_holders to identify the owner ID. Then, provide that ID when calling get_financial_account. The MCP connects those pieces of data so you don't have to.
Confusing card listing with status updates
A user calls list_payment_cards and sees a card is 'INACTIVE,' but they are unsure if it needs to be manually closed or just re-activated.
Always follow up the list view by running get_payment_card_details. This provides context beyond just the status, confirming the exact reason for the inactive state and whether you need to run update_card_status.
Treating transaction details as a single source
A user sees $50.00 on their statement but only uses list_financial_transactions, which doesn't provide enough merchant context to dispute the charge.
Use get_transaction_details directly. This tool pulls deep metadata for a specific transaction ID, giving you the merchant name and location required to investigate or challenge the purchase.
When It Fits, When It Doesn't
Use this MCP if your workflow involves checking, modifying, or auditing funds related to card programs. You need it when the question is 'What happened with that money?' If your task is purely data ingestion—like taking a CSV and just validating fields—you don't need these tools. Instead, use a dedicated data validation service or a simple record creation tool. Only rely on list_financial_accounts for an aggregate view; if you need to know why the balance changed, run list_ledger_entries. Never assume that running get_payment_card_details is enough; always check the transaction history using list_financial_transactions first to see what triggered the status or charge.
Questions you might have
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.
When I run `list_account_holders`, how do I get a unique ID for an account owner? +
The tool returns a specific, unique identifier (ID) for every person or business. You must use this ID when calling other tools that require the target entity's exact record, ensuring your agent addresses the right party.
What information does `list_card_products` give me about my card offerings? +
This tool lists every available card program (like Consumer or Fleet) configured in your account. It helps you understand the scope of products before you check specific details using get_payment_card_details.
If I run too many financial checks, are there rate limits when calling `list_financial_transactions`? +
The Vinkius platform manages throttling automatically. However, running excessive calls to list transaction data in rapid succession might require you to wait a moment before sending the next request.
How do I get deep metadata for one specific transaction using `get_transaction_details`? +
You must provide the unique transaction ID to use this tool. It returns detailed metadata, including merchant specifics and the full processing status, going much deeper than just the amount spent.
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