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

34.8/100 thin ▬ flat Agent 20/100 agent aware Full breakdown ↓
scored 2026-08-24 · rubric v0.13.0

AccessFreemiumSelf serve⚡ Free to try

9 APIs

Fintech Payroll Direct Deposit Income Verification Employment VerificationFinancial ConnectivityEmbedded Finance

Kin Score

Kin Score How this is scored →
scored 2026-08-24 · rubric v0.13.0

Composite quality — 34.8/100 · thin

Contract Quality 12.9 / 25

Developer Ergonomics 4.3 / 20

Access Clarity 5.8 / 20

Operational Transparency 4.4 / 13

Contract Governance 0.0 / 12

Discoverability 7.4 / 10

Agent readiness — 20/100 · 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

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.

Open Collections 11

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

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.

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: '0.23'
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: 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

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