This guide provides an overview of fee schedules, fee activity types, and steps for adding and managing fees in the Highnote dashboard. 

Overview

Fee schedules let you add fee types to your card product 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. See Card product balance for more information.

Fee activity types

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 describes each fee activity type and whether or not it can provide any events for free before charging a fee:

Fee activity type	Fee charge activity	Can specify number of events 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:  Authorization and clear transaction event with Merchant Category Code (MCC) 6011 Balance inquiry transactions ATM provider is in the MoneyPass network
ATM balance inquiry (out-of-network)	Fee charged for the following events:  Authorization and clear transaction event with Merchant Category Code (MCC) 6011 Balance inquiry transactions ATM provider is outside the MoneyPass ATM network
ATM decline	Fee charged for the following events:  Authorization and clear transaction event with Merchant Category Code (MCC) 6011 Cash transactions Transaction event response code is DO_NOT_HONOR or INSUFFICIENT_FUNDS
ATM withdrawal (in-network)	Fee charged for the following events:  Authorization and clear Transaction event with Merchant Category Code (MCC) 6011 Cash transactions ATM provider is in the MoneyPass network
ATM withdrawal (out-of-network)	Fee charged for the following events:  Authorization and clear transaction event with Merchant Category Code (MCC) 6011 Cash transactions ATM provider is outside the MoneyPass network
Cash back over-the-counter (OTC)	Fee charged for the following events:  Authorization transaction event with Merchant Category Code (MCC) 6010 for manual cash disbursement Cash transaction
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 merchant located outside the U.S.
International ATM balance inquiry	Fee charged for the following events:  Authorization and clear transaction event with Merchant Category Code (MCC) 6011 Balance inquiry transactions ATM provider is located outside the U.S.
International ATM decline	Fee charged for the following events:  Authorization and clear transaction event with Merchant Category Code (MCC) 6011 Cash transactions Transaction event response code is DO_NOT_HONOR or INSUFFICIENT_FUNDS
International ATM withdrawal	Fee charges for the following events:  Authorization and clear Transaction event with Merchant Category Code (MCC) 6011 Cash transactions ATM provider is located outside the U.S.
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:  A new physical card is ordered A physical payment card order already exists
Return payment fee	Fee charged when a payment is returned
Virtual card reissue	Fee charged when the following is true: A virtual payment card is reissued The card number is not copied for the new card

Add fee schedule

In the Test environment, you can add a fee schedule at will. To add a fee schedule using the dashboard: 

1. Log in to the Highnote dashboard.
2. Click your card product name from the left-hand navigation. If you only have one card product, skip to Step 2. 
3. Click Product Settings and select the Settings tab. 
4. Under the fee schedule section, click Add Fee Schedule. 
5. Click Add New Fee Type and choose your fee type from the drop-down menu.  
6. Configure the fee type using the required inputs. 
7. Optional - Add additional fee types as needed.
8. When finished, click Create Fee Schedule.

Simulate fee schedules programmatically

The dashboard steps above are the easiest way to add a fee schedule in Test. To create fee schedules from your code — for example, to script test data or run automated tests — use the simulateCreateAndActivateFeeSchedule mutation. See Simulate create fee schedule in the Highnote docs for an interactive example.

To edit or delete a fee schedule, contact support@highnote.com for assistance.