How Highnote’s scores are calculated

Point an agent at llms.txt or agent-oriented docsweight 2

2 (weight) × 9 (quality) × 1.0 (full) = 18.0 of 20 max

• [probe] https://docs.highnote.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.highnote.com/llms.txt # Highnote Documentation > Highnote is a card issuance, payment processing, and money movement platform-as-a-service. B”
• [claimed-docs] https://highnote.com/solutions/agentic-commerce.md“Issue cards per agent, workflow, or vendor via API. Each card closes automatically when the workflow ends. No manual provisioning.”

Run the product headlessly / in CI for automationweight 2

2 (weight) × 6 (quality) × 0.6 (partial) = 7.2 of 20 max

• [claimed-docs] https://docs.highnote.com/docs/developers/api/intro-to-graphql“the official `@highnote-oss/nodejs-sdk` (currently in beta) wraps the Highnote API in typed, resource-oriented methods — no GraphQL required.”
• [claimed-docs] https://docs.highnote.com/docs/developers/api/testing-the-api“The Highnote Test environment (or dashboard) replicates the full functionality of the Live environment, and lets you simulate real-time transactions and compliance scenarios.”
• [claimed-docs] https://docs.highnote.com/docs/developers/events/notifications“You can configure specific events to be delivered to each webhook”
• [claimed-docs] https://docs.highnote.com“Build faster with GraphQL API, interactive code explorer, PCI-compliant SDKs, and real-time web hooks designed for modern development.”
• [probe] https://docs.highnote.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.highnote.com/llms.txt # Highnote Documentation > Highnote is a card issuance, payment processing, and money movement platform-as-a-service. B”

Plug MCP servers into this product so it can use their toolsweight 3

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Connect an agent via an official MCP serverweight 3

3 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 30 max

• [claimed-docs] https://docs.highnote.com/docs/developers/api/intro-to-graphql“the official `@highnote-oss/nodejs-sdk` (currently in beta) wraps the Highnote API in typed, resource-oriented methods — no GraphQL required.”
• [claimed-docs] https://docs.highnote.com“Build faster with GraphQL API, interactive code explorer, PCI-compliant SDKs, and real-time web hooks designed for modern development.”
• [probe] https://docs.highnote.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.highnote.com/openapi.json, https://docs.highnote.com/swagger.json, https://docs.highnote.com/api/openapi.json, https://docs.highnote.com/.well-known/openapi.json)”

Use an official CLIweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Drive the product through a documented public APIweight 3

3 (weight) × 8 (quality) × 1.0 (full) = 24.0 of 30 max

• [claimed-docs] https://docs.highnote.com/docs/developers/api/intro-to-graphql“the official `@highnote-oss/nodejs-sdk` (currently in beta) wraps the Highnote API in typed, resource-oriented methods — no GraphQL required.”
• [claimed-docs] https://docs.highnote.com/docs/developers/api/testing-the-api“The Highnote Test environment (or dashboard) replicates the full functionality of the Live environment, and lets you simulate real-time transactions and compliance scenarios.”
• [claimed-docs] https://docs.highnote.com/docs/developers/events/notifications“You can configure specific events to be delivered to each webhook”
• [claimed-docs] https://highnote.com/solutions/agentic-commerce.md“Issue cards per agent, workflow, or vendor via API. Each card closes automatically when the workflow ends. No manual provisioning.”
• [claimed-docs] https://highnote.com/solutions/agentic-commerce.md“Authorize funds before an agent commits, capture only what is needed, and refund programmatically. The full payment lifecycle is available via API.”
• [claimed-docs] https://docs.highnote.com“Build faster with GraphQL API, interactive code explorer, PCI-compliant SDKs, and real-time web hooks designed for modern development.”
• [probe] https://docs.highnote.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.highnote.com/llms.txt # Highnote Documentation > Highnote is a card issuance, payment processing, and money movement platform-as-a-service. B”
• [probe] https://docs.highnote.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.highnote.com/openapi.json, https://docs.highnote.com/swagger.json, https://docs.highnote.com/api/openapi.json, https://docs.highnote.com/.well-known/openapi.json)”

Issue scoped/least-privilege API credentials for an agentweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Build against official SDKsweight 2

2 (weight) × 6 (quality) × 0.6 (partial) = 7.2 of 20 max

• [claimed-docs] https://docs.highnote.com/docs/developers/api/intro-to-graphql“the official `@highnote-oss/nodejs-sdk` (currently in beta) wraps the Highnote API in typed, resource-oriented methods — no GraphQL required.”
• [claimed-docs] https://docs.highnote.com/docs/developers/sdks/about-sdks“Embed sensitive card data in your UI and avoid PCI data from being compromised”
• [claimed-docs] https://docs.highnote.com/docs/developers/sdks/about-sdks“Accept payment card details in a configured checkout experience”
• [claimed-docs] https://docs.highnote.com/docs/developers/sdks/about-sdks“Collect identity verification documents from account holders when a card product application enters manual review”
• [claimed-docs] https://docs.highnote.com“Build faster with GraphQL API, interactive code explorer, PCI-compliant SDKs, and real-time web hooks designed for modern development.”
• [probe] https://docs.highnote.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.highnote.com/openapi.json, https://docs.highnote.com/swagger.json, https://docs.highnote.com/api/openapi.json, https://docs.highnote.com/.well-known/openapi.json)”

Subscribe to events via webhooksweight 2

2 (weight) × 8 (quality) × 1.0 (full) = 16.0 of 20 max

• [claimed-docs] https://docs.highnote.com/docs/developers/events/notifications“You can configure specific events to be delivered to each webhook”
• [claimed-docs] https://docs.highnote.com/docs/developers/events/notifications“The signing key used to verify payloads is modifiable using the `rotateNotificationTargetSigningKey` mutation.”
• [claimed-docs] https://docs.highnote.com“Build faster with GraphQL API, interactive code explorer, PCI-compliant SDKs, and real-time web hooks designed for modern development.”

Explore an interactive API reference with runnable examplesweight 2

2 (weight) × 5 (quality) × 0.6 (partial) = 6.0 of 20 max

• [claimed-docs] https://docs.highnote.com“Build faster with GraphQL API, interactive code explorer, PCI-compliant SDKs, and real-time web hooks designed for modern development.”
• [claimed-docs] https://docs.highnote.com/docs/developers/api/testing-the-api“The Highnote Test environment (or dashboard) replicates the full functionality of the Live environment, and lets you simulate real-time transactions and compliance scenarios.”
• [probe] https://docs.highnote.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.highnote.com/openapi.json, https://docs.highnote.com/swagger.json, https://docs.highnote.com/api/openapi.json, https://docs.highnote.com/.well-known/openapi.json)”

Download a machine-readable API spec (OpenAPI or equivalent)weight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

• [probe] https://docs.highnote.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.highnote.com/openapi.json, https://docs.highnote.com/swagger.json, https://docs.highnote.com/api/openapi.json, https://docs.highnote.com/.well-known/openapi.json)”
• [claimed-docs] https://docs.highnote.com“Build faster with GraphQL API, interactive code explorer, PCI-compliant SDKs, and real-time web hooks designed for modern development.”

Test against a sandbox environment without touching production dataweight 1

1 (weight) × 8 (quality) × 1.0 (full) = 8.0 of 10 max

• [claimed-docs] https://docs.highnote.com/docs/developers/api/testing-the-api“The Highnote Test environment (or dashboard) replicates the full functionality of the Live environment, and lets you simulate real-time transactions and compliance scenarios.”
• [claimed-docs] https://docs.highnote.com“Build faster with GraphQL API, interactive code explorer, PCI-compliant SDKs, and real-time web hooks designed for modern development.”

Rely on versioned APIs with a documented deprecation policyweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

• [probe] https://docs.highnote.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.highnote.com/openapi.json, https://docs.highnote.com/swagger.json, https://docs.highnote.com/api/openapi.json, https://docs.highnote.com/.well-known/openapi.json)”

Do everything through the API that I can do in the UIweight 2

2 (weight) × 6 (quality) × 0.6 (partial) = 7.2 of 20 max

• [claimed-docs] https://docs.highnote.com/docs/issuing/about-issuing“Create and manage customizable payment cards, including virtual, physical, and tokenized digital cards.”
• [claimed-docs] https://docs.highnote.com/docs/issuing/about-issuing“Control and optimize authorizations with spend rules and velocity controls.”
• [claimed-docs] https://docs.highnote.com/docs/issuing/about-issuing“Track money movement and balances with the integrated ledger.”
• [claimed-docs] https://docs.highnote.com/docs/issuing/spend-controls/collaborative-authorization“Collaborative authorization lets you approve or decline transactions in real time based on your business logic.”
• [claimed-docs] https://docs.highnote.com/docs/issuing/spend-controls/spend-rules“Spend rules let you automate logic on authorizations that permit or restrict transactions. You can configure that logic on merchant category codes (MCC), dollar amount, authorization count, and more.”
• [claimed-docs] https://docs.highnote.com/docs/issuing/spend-controls/velocity-controls“This creates a velocity control that enforces a weekly spending limit of $1,000.”
• [claimed-docs] https://docs.highnote.com/docs/issuing/transactions/disputes“Highnote's in-house **Disputes Team** helps subscribers with the following dispute and chargeback-related processes”
• [claimed-docs] https://docs.highnote.com/docs/developers/api/testing-the-api“The Highnote Test environment (or dashboard) replicates the full functionality of the Live environment, and lets you simulate real-time transactions and compliance scenarios.”
• [claimed-docs] https://docs.highnote.com“Build faster with GraphQL API, interactive code explorer, PCI-compliant SDKs, and real-time web hooks designed for modern development.”
• [probe] https://docs.highnote.com/openapi.json“PROBE openapi: all candidate paths 404 (https://docs.highnote.com/openapi.json, https://docs.highnote.com/swagger.json, https://docs.highnote.com/api/openapi.json, https://docs.highnote.com/.well-known/openapi.json)”

Export all of my data in open formats and leaveweight 3

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Read the product's source under an open licenseweight 2

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Self-host the core productweight 3

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Get AI-generated insights and suggestions from my data inside the productweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Set up automations that run autonomously in the backgroundweight 2

2 (weight) × 6 (quality) × 0.6 (partial) = 7.2 of 20 max

• [claimed-docs] https://highnote.com/solutions/agentic-commerce.md“Issue cards per agent, workflow, or vendor via API. Each card closes automatically when the workflow ends. No manual provisioning.”
• [claimed-docs] https://highnote.com/solutions/agentic-commerce.md“Set velocity limits, merchant category restrictions, and per-transaction caps at the card, account, or program level. Every rule is evaluated at authorization, before funds move.”
• [claimed-docs] https://highnote.com/solutions/agentic-commerce.md“Authorize funds before an agent commits, capture only what is needed, and refund programmatically. The full payment lifecycle is available via API.”
• [claimed-docs] https://highnote.com/solutions/agentic-commerce.md“Set rules once at the program level and they apply uniformly across every card. One policy layer, enforced at scale.”
• [claimed-docs] https://docs.highnote.com/docs/issuing/spend-controls/spend-rules“Spend rules let you automate logic on authorizations that permit or restrict transactions. You can configure that logic on merchant category codes (MCC), dollar amount, authorization count, and more.”
• [claimed-docs] https://docs.highnote.com/docs/issuing/spend-controls/velocity-controls“This creates a velocity control that enforces a weekly spending limit of $1,000.”
• [claimed-docs] https://docs.highnote.com/docs/developers/events/notifications“You can configure specific events to be delivered to each webhook”

Delegate tasks to a built-in AI assistant inside the productweight 3

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Operate the product with natural-language commandsweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

• [claimed-docs] https://docs.highnote.com/docs/developers/api/intro-to-graphql“the official `@highnote-oss/nodejs-sdk` (currently in beta) wraps the Highnote API in typed, resource-oriented methods — no GraphQL required.”
• [claimed-docs] https://docs.highnote.com“Build faster with GraphQL API, interactive code explorer, PCI-compliant SDKs, and real-time web hooks designed for modern development.”
• [probe] https://docs.highnote.com/llms.txt“PROBE llms.txt: HTTP 200 at https://docs.highnote.com/llms.txt # Highnote Documentation > Highnote is a card issuance, payment processing, and money movement platform-as-a-service. B”

Perform bulk operations across many items at onceweight 2

2 (weight) × 4 (quality) × 0.6 (partial) = 4.8 of 20 max

• [claimed-docs] https://highnote.com/solutions/agentic-commerce.md“Set rules once at the program level and they apply uniformly across every card. One policy layer, enforced at scale.”
• [claimed-docs] https://highnote.com/solutions/agentic-commerce.md“Issue cards per agent, workflow, or vendor via API. Each card closes automatically when the workflow ends. No manual provisioning.”
• [claimed-docs] https://highnote.com/solutions/agentic-commerce.md“Set velocity limits, merchant category restrictions, and per-transaction caps at the card, account, or program level. Every rule is evaluated at authorization, before funds move.”

Define rules that trigger actions automatically on eventsweight 3

3 (weight) × 6 (quality) × 0.6 (partial) = 10.8 of 30 max

• [claimed-docs] https://docs.highnote.com/docs/issuing/spend-controls/collaborative-authorization“Collaborative authorization lets you approve or decline transactions in real time based on your business logic.”
• [claimed-docs] https://docs.highnote.com/docs/issuing/spend-controls/spend-rules“Spend rules let you automate logic on authorizations that permit or restrict transactions. You can configure that logic on merchant category codes (MCC), dollar amount, authorization count, and more.”
• [claimed-docs] https://docs.highnote.com/docs/issuing/spend-controls/velocity-controls“This creates a velocity control that enforces a weekly spending limit of $1,000.”
• [claimed-docs] https://docs.highnote.com/docs/developers/events/notifications“You can configure specific events to be delivered to each webhook”
• [claimed-docs] https://highnote.com/solutions/agentic-commerce.md“Set velocity limits, merchant category restrictions, and per-transaction caps at the card, account, or program level. Every rule is evaluated at authorization, before funds move.”
• [claimed-docs] https://highnote.com/solutions/agentic-commerce.md“Set rules once at the program level and they apply uniformly across every card. One policy layer, enforced at scale.”

Schedule recurring jobs or workflowsweight 2

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Version, review, and roll back my automationsweight 1

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh