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 APIs 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.

Atomic’s developer surface includes authentication, documentation, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub

36.0/100 thin ▬ flat Agent 31/100 agent aware Full breakdown ↓
scored 2026-08-03 · rubric v0.9

AccessFreemiumSelf serve⚡ Free to try

9 APIs

FintechPayrollDirect DepositIncome VerificationEmployment VerificationFinancial ConnectivityEmbedded Finance

Kin Score

Kin Score How this is scored →
scored 2026-08-03 · rubric v0.9

Composite quality — 36.0/100 · thin

Contract Quality 14.1 / 25

Developer Ergonomics 3.9 / 20

Commercial Clarity 5.8 / 20

Operational Transparency 4.8 / 13

Governance 0.0 / 12

Discoverability 7.4 / 10

Agent readiness — 31/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

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

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/atomic-fi: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

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 1

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

Atomic API

OPEN COLLECTION

Pricing Plans 1

Published pricing tiers and plan structures.

Atomic Fi Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Atomic Fi Rate Limits

3 limits

RATE LIMITS

FinOps 1

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

Atomic Fi Finops

FINOPS

Security Posture 2

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

Atomic Fi Authentication

apiKey · 2 schemes

SECURITY

Atomic Fi Domain Security

TLSv1.3 · DNSSEC · DMARC

SECURITY

Agentic Access 1

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

Atomic Fi Agentic Access

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

30 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

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.
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  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: '0.19'
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:
  - 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:
  - 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:
  - 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: 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

Where this information came from

This is an independent, third-party profile of Atomic, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.

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