Partner API · Highnote-native

Disburse money for completing real-world actions.

Stretch exposes one REST API for milestone-based disbursement — programs, pools, participants, tasks, and card funding — and orchestrates the corresponding Highnote calls for issuance and transfers.

View API reference Get API access

!Prerequisite: Bring your own Highnote card program. Stretch orchestrates against it; we don't issue cards independently.

Integration shape

Stretch orchestrates Highnote for you.

You integrate once — with Stretch. Stretch handles the Highnote-side API calls, webhook subscriptions, and reconciliation. No Highnote client code in your service.

Your service

POST /v1/programs
POST /v1/users
POST /v1/tasks/{id}/users/{id}
PUT /v1/usertasks/{id}/complete

Calls Stretch. No Highnote code.

Stretch

Validate program balance
Create Highnote applications
Issue cards on your card product
Execute funding transfers
Reconcile webhook events

Owns the milestone ledger and Highnote hand-off.

Your Highnote program

Card product
Funding account
KYC & cardholder flows
Transaction authorizations
Webhook stream

Your existing contract, untouched.

Card issuance workflow

How it works

Five steps, end to end.

From config to disbursed milestone, each step is a single Stretch API call. Highnote calls happen under the hood.

01
Configure
Point Stretch at your Highnote card product and funding account. Done once via PUT /v1/configurations.
02
Create a program
Set the award pool, participant cap, and the agreements participants must accept.
03
Enroll & issue
Create participants, capture consent, submit card applications on your Highnote product.
04
Assign milestones
Create milestone tasks with monetary values. Stretch reserves funds against the program pool on assignment.
05
Disburse
PUT /v1/usertasks/{id}/complete triggers a Highnote funding transfer and resolves the reservation.

Capabilities

Built for milestone-based programs on Highnote.

POST /v1/programs

Programs & award pools

Create a program, set its total award pool and participant cap, attach the right agreements. Stretch keeps the ledger.

POST /v1/users

Participant onboarding

Enroll users, capture consent, and attach agreements — the artifacts you need before money moves.

POST /v1/tasks

Milestone tasks

Each task carries a dollar amount. Assigning it to a participant reserves funds against the program pool.

POST /v1/applications

Highnote application hand-off

When a participant needs a card, Stretch creates the application on your Highnote card product and tracks KYC to approval.

POST /v1/cards

Card issuance

Issue cards through your Highnote program. Virtual cards ready instantly; physical cards via USPS Express.

PUT /v1/usertasks/{id}/complete

Action-gated disbursement

Mark a milestone complete — Stretch performs the funding transfer on your Highnote program and emits the event.

POST /v1/webhooks/webhook-configuration

Highnote webhook relay

Stretch subscribes to your Highnote webhook stream, reconciles card lifecycle events, and surfaces clean events to you.

GET /v1/programs/{id}/statistics

Program statistics

Per-program totals for enrollment, pending / completed milestones, and funds disbursed — ready for your dashboards.

Full list of 42 endpoints in the API reference.

Webhook reconciliation

Highnote events, resolved.

Stretch consumes your Highnote webhook stream on your behalf, ties each event back to the originating program, milestone, and participant, and fires a single clean event to your webhook endpoint.

CARD_PRODUCT_APPLICATION_APPROVED
Stretch creates the participant’s financial account automatically.
INTERNAL_TRANSFER_*_COMPLETED
Stretch marks the milestone disbursement settled and emits a clean event to your webhook.
INTERNAL_TRANSFER_*_PENDING / FAILED
Stretch surfaces the state so your UI can show “processing” or retry cleanly.

Highnote event	What Stretch does
`CARD_PRODUCT_APPLICATION_APPROVED`	Stretch creates the participant’s financial account automatically.
`INTERNAL_TRANSFER_*_COMPLETED`	Stretch marks the milestone disbursement settled and emits a clean event to your webhook.
`INTERNAL_TRANSFER_*_PENDING / FAILED`	Stretch surfaces the state so your UI can show “processing” or retry cleanly.

Bring your own Highnote

Stretch calls Highnote using your credentials and card product. Your BIN, issuer, and commercial relationship don't change.

Consent & agreements

Versioned agreements and timestamped consent records per participant — the audit trail program auditors expect.

Auth

OAuth2 client credentials with RSA-wrapped secrets. JWT access tokens, refresh flow, idempotent writes.

Get API access.

Tell us about your Highnote card product and the program you want to run. We'll send sandbox keys and a scoping doc within a business day.

partnerships@stretch.money API reference