Changelog (Internal)

This changelog lists important changes to the Highnote Platform. See the API changelog for all API changes.

Issuing

• Adverse Actions: Added the ability to test 8 more adverse actions when simulating an underwriting decision: HIGH_UTILIZATION, INCOMPLETE_IDENTITY_INFORMATION, LENGTH_OF_EMPLOYMENT, LENGTH_OF_RESIDENCE, LIEN_POSITION, UNABLE_TO_VERIFY_EMPLOYMENT, UNACCEPTED_BUSINESS_INDUSTRY, WITHDRAWN.

SDKs

• ESM Modules: Added the ability to install Highnote SDKs with ESM modules.

Docs

• Commercial Prepaid: Updated references of "Commercial Debit" to "Commercial Prepaid".

Issuing

• Credit Loan Tape Report: Added the Credit Loan Tape report which includes all transaction event activity for Consumer Revolving Credit Card products. Account-level and point-in-time.

SDKs

• Risk Application SDK: Launched the Risk SDK to measure a user's fraud risk level. The SDK analyzes the validity of a user's identity information, as well their device, biometric, and behavioral data.

Platform

• Card Table: Added the Card table to the Data Schema.

Issuing

• Plaid Integration via Hosted URL - Subscribers can now connect a verified Plaid account with Highnote with a no-code hosted link solution.

Issuing

• Adverse Actions: Added the ability to test EXCESSIVE_DEBT_OBLIGATIONS when simulating an underwriting decision.

Docs

• Payment Due Dates - Clarified that payment due dates are determined by (1) the financial account's creation date, and (2) the card product's grace period.

Issuing

• Plaid Integration via SDK - Launched ability for subscribers to connect Plaid via Highnote SDK. Highnote securely retrieves external account information on your behalf, reducing your PCI DSS requirements.

• Update event subscription: Add or remove event subscriptions by updating your subscription webhook using the following mutations: addSubscriptionsToNotificationTarget and removeSubscriptionsFromNotificationTarget.

Issuing

• Card Viewer SDK: Added onReady callback function to enable the display of a loading spinner until all SDK elements are ready to be displayed.

Issuing

• BNPL and Flexible Installments: Added the ability to build Buy Now, Pay Later installment plans and offers. Other related doc updates include the new Credit Overview; and "Create Credit Plans" was refactored as Standard Credit Purchase.

Docs

• Move Money: Renamed the docs section, "Transfer Funds," to "Move Money" in the both the API guides and the Support docs.

Issuing

• Check Payment: Added the ability to support physical checks in a transfer workflow.

Issuing

• Global Notes: Added API support for adding Global Notes notes (global memos) to any part of the application.

Acquiring

• Acquiring Support: Launched the Acquiring docs set in support of Highnote's expansion into Acquiring.

Issuing

• ReissueReason: Deprecated the STOLEN enum as a reason to reissue a payment card. Also recommended that subscribers follow the best practice of treating LOST cards like stolen cards.