Atomic

Atomic is a payroll and financial connectivity platform. Through user-permissioned access to payroll, HR, and merchant accounts, Atomic lets applications switch direct deposit, verify income and employment, retrieve payroll data, and update payment methods on file. The Transact SDK is an embedded, hosted front-end that drives these workflows on top of Atomic's backend REST API.

Atomic publishes 9 API contracts indexed on the APIs.io network, including Access Tokens API, Company API, Data API, and 6 more. Tagged areas include Fintech, Payroll, Direct Deposit, Income Verification, and Employment Verification.

The Atomic catalog on APIs.io includes 1 Spectral governance ruleset.

Atomic’s developer surface includes authentication, documentation, and 9 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

25.6/100 emerging ▬ flat Agent 19/100 agent aware Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

AccessFreemiumSelf serve⚡ Free to try

1 published contract

Fintech Payroll Direct Deposit Income Verification Employment VerificationFinancial ConnectivityEmbedded Finance

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Human Capital Management

BC-300

Data

GET /employment/{identifier} GET /income/{identifier} GET /statements/{identifier} GET /timesheets/{identifier}

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 25.6/100 · emerging

Contract Quality 8.7 / 19

Developer Ergonomics 4.5 / 15

Access Clarity 0.6 / 15

Operational Transparency 1.2 / 10

Contract Governance 1.2 / 9

Discoverability 5.0 / 8

Regulatory Posture 0.9 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 19/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Employment & Payroll regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship Ask about this →
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link Ask about this →
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document Ask about this →

10 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 4.3 — up to +19.1 composite points Ask about this →
Developer Ergonomics scores 29.8 — up to +14.0 composite points Ask about this →
Contract Quality scores 46.6 — up to +13.4 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/atomic-fi/apis.yml: open an issue on github.com/api-evangelist/atomic-fi to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 9

Individual APIs this provider publishes, each with its own machine-readable definition.

Atomic Access Tokens API

The Access Tokens API from Atomic — 2 operation(s) for access tokens.

Atomic Company API

The Company API from Atomic — 3 operation(s) for company.

Atomic Data API

The Data API from Atomic — 7 operation(s) for data.

Atomic Linked Accounts API

The Linked Accounts API from Atomic — 2 operation(s) for linked accounts.

Atomic PayLink API

The PayLink API from Atomic — 2 operation(s) for paylink.

Atomic Secrets API

The Secrets API from Atomic — 2 operation(s) for secrets.

Atomic Tasks API

The Tasks API from Atomic — 5 operation(s) for tasks.

Atomic Users API

The Users API from Atomic — 3 operation(s) for users.

Atomic Webhooks API

The Webhooks API from Atomic — 2 operation(s) for webhooks.

Scroll for all 9

Open Collections 10

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Atomic Access Tokens API

OPEN COLLECTION

Atomic Access Tokens Company API

OPEN COLLECTION

Atomic Access Tokens Data API

OPEN COLLECTION

Atomic Access Tokens Linked Accounts API

OPEN COLLECTION

Atomic Access Tokens PayLink API

OPEN COLLECTION

Atomic Access Tokens Secrets API

OPEN COLLECTION

Atomic Access Tokens Tasks API

OPEN COLLECTION

Atomic Access Tokens Users API

OPEN COLLECTION

Atomic Access Tokens Webhooks API

OPEN COLLECTION

Atomic API

OPEN COLLECTION

Scroll for all 10

Atomic API pricing

Not yet checked against Atomic's own pricing page. Compiled by API Evangelist on 2026-07-01 from atomicfi.com; confirm before you rely on a figure. A free plan or tier is listed.

Plan	Price
Sandbox free	Free
Enterprise enterprise	—

Plan details, limits and sources →

Rate limits

Backend API Requests: see provider agreement requests
Task Processing: asynchronous / queued tasks
Webhook Delivery: retried up to 3 times, 30s apart deliveries

Compiled by API Evangelist, not yet checked against Atomic's documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

Atomic Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Atomic Rate Limits

3 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Atomic Finops

FINOPS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs. Counts are the severity each rule declares, not results of running them.

Atomic API Rules

60 rules · 57 error-severity 1 warn-severity 2 info-severity

SPECTRAL

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Atomic Authentication

apiKey · 2 schemes

SECURITY

Atomic Domain Security

TLSv1.3 · DNSSEC · DMARC

SECURITY

Agentic Access (API Evangelist recommendations) 1

Recommended x-agentic-access execution contracts for AI agents.

Atomic Agentic Access

31 operations · 12 acting · 1 human-in-the-loop

31 operations · 12 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 2

The organization behind the API

LinkedIn

Website

Website

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: atomic-fi
url: https://raw.githubusercontent.com/api-evangelist/atomic-fi/refs/heads/main/apis.yml
name: Atomic
kind: company
description: Atomic is a payroll and financial connectivity platform. Through user-permissioned access to payroll, HR, and
  merchant accounts, Atomic lets applications switch direct deposit, verify income and employment, retrieve payroll data,
  and update payment methods on file. The Transact SDK is an embedded, hosted front-end that drives these workflows on top
  of Atomic's backend REST API.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Freemium · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-13'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/atomic-fi.png
tags:
- Fintech
- Payroll
- Direct Deposit
- Income Verification
- Employment Verification
- Financial Connectivity
- Embedded Finance
created: '2026-07-01'
modified: '2026-07-01'
specificationVersion: '0.23'
apis:
- aid: atomic-fi:atomic-fi-access-tokens-api
  name: Atomic Access Tokens API
  description: The Access Tokens API from Atomic — 2 operation(s) for access tokens.
  humanURL: https://docs.atomicfi.com/reference/api
  baseURL: https://api.atomicfi.com
  tags:
  - Access Tokens
  properties:
  - type: OpenAPI
    url: openapi/atomic-fi-access-tokens-api-openapi.yml
  - type: Documentation
    url: https://docs.atomicfi.com/reference/api
  - type: APIReference
    url: https://docs.atomicfi.com/reference/api
  - type: PostmanCollection
    url: collections/atomic-fi.postman_collection.json
  - type: OpenCollection
    url: collections/atomic-fi.opencollection.json
  - type: Documentation
    url: https://docs.atomicfi.com/reference/transact-sdk
  - type: Documentation
    url: https://docs.atomicfi.com/products/deposit/implementation
  - type: Documentation
    url: https://docs.atomicfi.com/products/verify/implementation
  - type: Documentation
    url: https://docs.atomicfi.com/paylink/reference/api
  - type: APIReference
    url: https://docs.atomicfi.com/paylink/reference/api
  - type: Documentation
    url: https://docs.atomicfi.com/reference/webhooks
- aid: atomic-fi:atomic-fi-company-api
  name: Atomic Company API
  description: The Company API from Atomic — 3 operation(s) for company.
  humanURL: https://docs.atomicfi.com/reference/api
  baseURL: https://api.atomicfi.com
  tags:
  - Company
  properties:
  - type: OpenAPI
    url: openapi/atomic-fi-company-api-openapi.yml
  - type: Documentation
    url: https://docs.atomicfi.com/reference/api
  - type: APIReference
    url: https://docs.atomicfi.com/reference/api
  - type: PostmanCollection
    url: collections/atomic-fi.postman_collection.json
  - type: OpenCollection
    url: collections/atomic-fi.opencollection.json
  - type: Documentation
    url: https://docs.atomicfi.com/reference/transact-sdk
  - type: Documentation
    url: https://docs.atomicfi.com/products/deposit/implementation
  - type: Documentation
    url: https://docs.atomicfi.com/products/verify/implementation
  - type: Documentation
    url: https://docs.atomicfi.com/paylink/reference/api
  - type: APIReference
    url: https://docs.atomicfi.com/paylink/reference/api
  - type: Documentation
    url: https://docs.atomicfi.com/reference/webhooks
- aid: atomic-fi:atomic-fi-data-api
  name: Atomic Data API
  description: The Data API from Atomic — 7 operation(s) for data.
  humanURL: https://docs.atomicfi.com/reference/api
  baseURL: https://api.atomicfi.com
  tags:
  - Data
  properties:
  - type: OpenAPI
    url: openapi/atomic-fi-data-api-openapi.yml
  - type: Documentation
    url: https://docs.atomicfi.com/reference/api
  - type: APIReference
    url: https://docs.atomicfi.com/reference/api
  - type: PostmanCollection
    url: collections/atomic-fi.postman_collection.json
  - type: OpenCollection
    url: collections/atomic-fi.opencollection.json
  - type: Documentation
    url: https://docs.atomicfi.com/reference/transact-sdk
  - type: Documentation
    url: https://docs.atomicfi.com/products/deposit/implementation
  - type: Documentation
    url: https://docs.atomicfi.com/products/verify/implementation
  - type: Documentation
    url: https://docs.atomicfi.com/paylink/reference/api
  - type: APIReference
    url: https://docs.atomicfi.com/paylink/reference/api
  - type: Documentation
    url: https://docs.atomicfi.com/reference/webhooks
- aid: atomic-fi:atomic-fi-linked-accounts-api
  name: Atomic Linked Accounts API
  description: The Linked Accounts API from Atomic — 2 operation(s) for linked accounts.
  humanURL: https://docs.atomicfi.com/reference/api
  baseURL: https://api.atomicfi.com
  tags:
  - Linked Accounts
  properties:
  - type: OpenAPI
    url: openapi/atomic-fi-linked-accounts-api-openapi.yml
  - type: Documentation
    url: https://docs.atomicfi.com/reference/api
  - type: APIReference
    url: https://docs.atomicfi.com/reference/api
  - type: PostmanCollection
    url: collections/atomic-fi.postman_collection.json
  - type: OpenCollection
    url: collections/atomic-fi.opencollection.json
  - type: Documentation
    url: https://docs.atomicfi.com/reference/transact-sdk
  - type: Documentation
    url: https://docs.atomicfi.com/products/deposit/implementation
  - type: Documentation
    url: https://docs.atomicfi.com/products/verify/implementation
  - type: Documentation
    url: https://docs.atomicfi.com/paylink/reference/api
  - type: APIReference
    url: https://docs.atomicfi.com/paylink/reference/api
  - type: Documentation
    url: https://docs.atomicfi.com/reference/webhooks
- aid: atomic-fi:atomic-fi-paylink-api
  name: Atomic PayLink API
  description: The PayLink API from Atomic — 2 operation(s) for paylink.
  humanURL: https://docs.atomicfi.com/reference/api
  baseURL: https://api.atomicfi.com
  tags:
  - PayLink
  properties:
  - type: OpenAPI
    url: openapi/atomic-fi-paylink-api-openapi.yml
  - type: Documentation
    url: https://docs.atomicfi.com/reference/api
  - type: APIReference
    url: https://docs.atomicfi.com/reference/api
  - type: PostmanCollection
    url: collections/atomic-fi.postman_collection.json
  - type: OpenCollection
    url: collections/atomic-fi.opencollection.json
  - type: Documentation
    url: https://docs.atomicfi.com/reference/transact-sdk
  - type: Documentation
    url: https://docs.atomicfi.com/products/deposit/implementation
  - type: Documentation
    url: https://docs.atomicfi.com/products/verify/implementation
  - type: Documentation
    url: https://docs.atomicfi.com/paylink/reference/api
  - type: APIReference
    url: https://docs.atomicfi.com/paylink/reference/api
  - type: Documentation
    url: https://docs.atomicfi.com/reference/webhooks
- aid: atomic-fi:atomic-fi-secrets-api
  name: Atomic Secrets API
  description: The Secrets API from Atomic — 2 operation(s) for secrets.
  humanURL: https://docs.atomicfi.com/reference/api
  baseURL: https://api.atomicfi.com
  tags:
  - Secrets
  properties:
  - type: OpenAPI
    url: openapi/atomic-fi-secrets-api-openapi.yml
  - type: Documentation
    url: https://docs.atomicfi.com/reference/api
  - type: APIReference
    url: https://docs.atomicfi.com/reference/api
  - type: PostmanCollection
    url: collections/atomic-fi.postman_collection.json
  - type: OpenCollection
    url: collections/atomic-fi.opencollection.json
  - type: Documentation
    url: https://docs.atomicfi.com/reference/transact-sdk
  - type: Documentation
    url: https://docs.atomicfi.com/products/deposit/implementation
  - type: Documentation
    url: https://docs.atomicfi.com/products/verify/implementation
  - type: Documentation
    url: https://docs.atomicfi.com/paylink/reference/api
  - type: APIReference
    url: https://docs.atomicfi.com/paylink/reference/api
  - type: Documentation
    url: https://docs.atomicfi.com/reference/webhooks
- aid: atomic-fi:atomic-fi-tasks-api
  name: Atomic Tasks API
  description: The Tasks API from Atomic — 5 operation(s) for tasks.
  humanURL: https://docs.atomicfi.com/reference/api
  baseURL: https://api.atomicfi.com
  tags:
  - Task
  tags_raw:
  - Tasks
  properties:
  - type: OpenAPI
    url: openapi/atomic-fi-tasks-api-openapi.yml
  - type: Documentation
    url: https://docs.atomicfi.com/reference/api
  - type: APIReference
    url: https://docs.atomicfi.com/reference/api
  - type: PostmanCollection
    url: collections/atomic-fi.postman_collection.json
  - type: OpenCollection
    url: collections/atomic-fi.opencollection.json
  - type: Documentation
    url: https://docs.atomicfi.com/reference/transact-sdk
  - type: Documentation
    url: https://docs.atomicfi.com/products/deposit/implementation
  - type: Documentation
    url: https://docs.atomicfi.com/products/verify/implementation
  - type: Documentation
    url: https://docs.atomicfi.com/paylink/reference/api
  - type: APIReference
    url: https://docs.atomicfi.com/paylink/reference/api
  - type: Documentation
    url: https://docs.atomicfi.com/reference/webhooks
- aid: atomic-fi:atomic-fi-users-api
  name: Atomic Users API
  description: The Users API from Atomic — 3 operation(s) for users.
  humanURL: https://docs.atomicfi.com/reference/api
  baseURL: https://api.atomicfi.com
  tags:
  - User
  tags_raw:
  - Users
  properties:
  - type: OpenAPI
    url: openapi/atomic-fi-users-api-openapi.yml
  - type: Documentation
    url: https://docs.atomicfi.com/reference/api
  - type: APIReference
    url: https://docs.atomicfi.com/reference/api
  - type: PostmanCollection
    url: collections/atomic-fi.postman_collection.json
  - type: OpenCollection
    url: collections/atomic-fi.opencollection.json
  - type: Documentation
    url: https://docs.atomicfi.com/reference/transact-sdk
  - type: Documentation
    url: https://docs.atomicfi.com/products/deposit/implementation
  - type: Documentation
    url: https://docs.atomicfi.com/products/verify/implementation
  - type: Documentation
    url: https://docs.atomicfi.com/paylink/reference/api
  - type: APIReference
    url: https://docs.atomicfi.com/paylink/reference/api
  - type: Documentation
    url: https://docs.atomicfi.com/reference/webhooks
- aid: atomic-fi:atomic-fi-webhooks-api
  name: Atomic Webhooks API
  description: The Webhooks API from Atomic — 2 operation(s) for webhooks.
  humanURL: https://docs.atomicfi.com/reference/api
  baseURL: https://api.atomicfi.com
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/atomic-fi-webhooks-api-openapi.yml
  - type: Documentation
    url: https://docs.atomicfi.com/reference/api
  - type: APIReference
    url: https://docs.atomicfi.com/reference/api
  - type: PostmanCollection
    url: collections/atomic-fi.postman_collection.json
  - type: OpenCollection
    url: collections/atomic-fi.opencollection.json
  - type: Documentation
    url: https://docs.atomicfi.com/reference/transact-sdk
  - type: Documentation
    url: https://docs.atomicfi.com/products/deposit/implementation
  - type: Documentation
    url: https://docs.atomicfi.com/products/verify/implementation
  - type: Documentation
    url: https://docs.atomicfi.com/paylink/reference/api
  - type: APIReference
    url: https://docs.atomicfi.com/paylink/reference/api
  - type: Documentation
    url: https://docs.atomicfi.com/reference/webhooks
common:
- type: CapabilityMap
  url: capabilities/atomic-fi-capability-edges.yml
  name: Atomic Business Capability Map
- type: AgenticAccess
  url: agentic-access/atomic-fi-agentic-access.yml
- type: DomainSecurity
  url: security/atomic-fi-domain-security.yml
- type: Authentication
  url: authentication/atomic-fi-authentication.yml
- type: GitHubOrganization
  url: https://github.com/atomicfi
- type: LinkedIn
  url: https://www.linkedin.com/company/atomicfi
- type: Website
  url: https://atomicfi.com
- type: Documentation
  url: https://docs.atomicfi.com
- type: Plans
  url: plans/atomic-fi-plans-pricing.yml
- type: RateLimits
  url: rate-limits/atomic-fi-rate-limits.yml
- type: FinOps
  url: finops/atomic-fi-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Atomic API — frequently asked questions

Does Atomic have an API?

Yes. APIs.io lists 9 APIs from Atomic, including Atomic Access Tokens API, Atomic Company API and Atomic Data API, and 6 more.

Is there an OpenAPI specification for the Atomic API?

Yes. APIs.io indexes 9 OpenAPI specifications for Atomic, each linked for download from this page.

How do I authenticate with the Atomic API?

Atomic uses bearer-token authentication (apiKey · 2 schemes). The details are profiled on APIs.io as Atomic Authentication.

How much does the Atomic API cost?

APIs.io lists 2 pricing plans for Atomic, with each plan's price, limits and inclusions under Pricing on this page.

Is the Atomic API ready for AI agents?

Atomic has a Kin Score of 25.6 out of 100 (emerging) and an Agent Readiness score of 19.0 (agent-aware), scored by API Evangelist on 2026-11-13.

Work with this as data

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get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
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