Table of contents
You can configure fees for your card product using the Highnote dashboard. This guide provides an overview of fee schedules, fee activity types, and steps for adding and managing fees.
Overview
Fee schedules allow you to add fee types to your card product. Fee schedules work by using events that trigger fees. These events are called fee activity types.
Fee schedules generate income for your card product, which is deposited in an "income account". Using the dashboard, you can track the balance of your card product's income account. For more information on tracking the balance of your income account, see Card product balance.
Fee activity types
Note: Late payment fees are only available for charge and credit card products.
Fee activity types are triggered by an action called a fee charge activity. When a transaction or event occurs that matches a fee charge activity, a fee schedule is activated and a fee is applied to the account holder's financial account.
For most fee activity types, you can configure rules to ensure fees are applied after a specific count or amount threshold. For example, you can provide the first two in-network ATM withdrawal transactions for free in a given period and charge for only subsequent withdrawals.
The following table provides details on fee activity types and whether each can provide a specified number of events for free before charging a fee:
| Fee activity type | Fee charge activity | Specified number for free |
| Account inactivity fee |
Fee charged when a financial account has no transaction or transfer activity |
✖️ |
| Account initiation fee | Fee charged when a financial account is issued | ✖️ |
| ATM balance inquiry (in-network) |
Fee charged for the following events:
|
|
| ATM balance inquiry (out-of-network) |
Fee charged for the following events:
|
|
| ATM decline |
Fee charged for the following events:
|
|
| ATM withdrawal (in-network) |
Fee charged for the following events:
|
|
| ATM withdrawal (out-of-network) |
Fee charged for the following events:
|
|
| Cash back over-the-counter (OTC) |
Fee charged for the following events:
|
|
| Cash back at point of sale (POS) |
Fee charged for authorizations that have cash disbursements |
✖️ |
| Expedited card fee |
Fee charged with a physical payment card order has a shipping method faster than USPS Ground |
|
| International transaction |
Fee charged when a clearing transaction event is processed with a merchant located outside the United States |
✖️ |
| International ATM balance inquiry |
Fee charged for the following events:
|
|
| International ATM decline |
Fee charged for the following events:
|
|
| International ATM withdrawal |
Fee charges for the following events:
|
|
| Late payment fee (with grace period) |
Fee charged up to X days after a billing cycle's payment due date, with X days representing the grace period |
✖️ |
|
Monthly fees |
Fee charged when a financial account billing cycle occurs |
✖️ |
| Physical card reissue |
Fee charged when the following is true:
|
|
| Return payment fee |
Fee charged when a payment is returned |
|
| Virtual card reissue |
Fee charged when the following is true:
|
Add fee schedule
Note: In the live environment, the Highnote team must review your fee schedules with your agreements and disclosures. Once your fee schedule is approved, Highnote will configure your card product's fees on your behalf.
You can add a fee schedule in your test environment. Use the following steps to add a fee schedule using the dashboard:
- From the Highnote dashboard, click your card product name from the left-hand navigation. If you only have one card product, skip to Step 2.
- Click Product Settings and select the Settings tab.
- Under the fee schedule section, click Add Fee Schedule.
- Click Add New Fee Type and choose your fee type from the drop-down menu.
- Configure the fee type using the required inputs.
- Optional - Add additional fee types as needed.
- When finished, click Create Fee Schedule.
To edit or delete a fee schedule, contact support@highnote.com for assistance.