# Highnote MCP MCP

> 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.

## Overview
- **Category:** money-moves
- **Price:** Free
- **Tags:** card-issuance, ledger-management, virtual-cards, financial-accounts, transaction-monitoring, fintech-infrastructure

## Description

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.

## Tools

### 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.

### 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 program.

### 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 items.

### list_payment_cards
Shows all physical and virtual cards issued in the program, along with their status and expiration dates.

### 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 policy changes.

## Prompt Examples

**Prompt:** 
```
List all financial accounts and show their current balances.
```

**Response:** 
```
I've retrieved your financial accounts. You have 3 active ledgers: 'Main Operations' ($145,000.00), 'Fleet Fuel Card Fund' ($12,500.00), and 'Marketing Expenses' ($5,000.00). Would you like to see the recent ledger entries for any of these?
```

**Prompt:** 
```
Show the last 5 transactions for card ending in 4492.
```

**Response:** 
```
Accessing transaction history... For card **** 4492, the 5 most recent transactions include: $42.50 at 'Shell Station', $12.99 at 'Starbucks', and $150.00 at 'Amazon'. All transactions are currently in 'CLEARED' status. Should I retrieve the full details for the Amazon purchase?
```

**Prompt:** 
```
Freeze card ID 'card_992' immediately.
```

**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

### Check Account Statuses
Retrieve details for individuals or businesses linked to your card program.

### Manage Card Lifecycle
List, view status, and change the active state of virtual or physical cards.

### View Financial Balances
Access current balances and metadata for all linked financial ledger accounts.

### Audit Transactions
Get detailed records of recent spending, including merchant data.

### Reconcile Ledgers
Fetch specific individual entries to help close out accounts for auditing purposes.

## Use Cases

### 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.

## Benefits

- 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.

## How It Works

The bottom line is, you talk naturally to your AI client and it executes complex financial API calls in the background.

1. Subscribe to this MCP and provide your Highnote API Key, specifying the test or live environment.
2. Your AI agent processes a natural language request (e.g., 'What's the balance for main operations?').
3. The MCP invokes the necessary tool—like `list_financial_accounts`—and returns the specific data to your agent.

## Frequently Asked Questions

**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.