Atomic

aid: atomic-financial
name: Atomic
url: https://raw.githubusercontent.com/api-evangelist/atomic-financial/refs/heads/main/apis.yml
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-06'
  method: derived
image: https://atomic.financial/wp-content/uploads/2023/02/atomic-logo.svg
description: Atomic is the connected-banking infrastructure for income, payroll, and merchant data. Their user-permissioned
  APIs let banks, lenders, fintechs, and HR platforms link consumers to thousands of payroll providers, gig platforms, employers,
  and merchants — and then read or update that data in real time. Core use cases include direct-deposit switching, paycheck-linked
  income and employment verification, tax-document retrieval, and card-on-file / subscription management. Integration is done
  through the Transact SDK (web, iOS, Android, React Native, Flutter, Capacitor) plus a REST API at api.atomicfi.com that
  manages access tokens, tasks, companies, deposit accounts, and webhooks. Atomic is headquartered in Salt Lake City, Utah.
created: '2026-05-25'
modified: '2026-05-25'
specificationVersion: '0.23'
position: Consuming
access: 3rd-Party
tags:
- Income
- Payroll
- Direct Deposit
- Employment Verification
- Open Banking
- Finance
- Subscription
- Bill Pay
tags_raw:
- Income
- Payroll
- Direct Deposit
- Employment Verification
- Open Banking
- Financial
- Subscriptions
- Bill Pay
apis:
- aid: atomic-financial:atomic-deposit-api
  name: Atomic Deposit API
  description: Deposit (formerly Direct Deposit Switching) lets users redirect all or part of their paycheck to a new account.
    Atomic connects to thousands of payroll providers and employers, signs in on the user's behalf with their consent, and
    updates direct-deposit allocations — supporting total, fixed-amount, or percentage-based distributions.
  humanURL: https://docs.atomicfi.com/reference/transact-sdk
  baseURL: https://api.atomicfi.com
  tags:
  - Direct Deposit
  - Paycheck
  - Income
  - Distribution
  properties:
  - url: https://docs.atomicfi.com/reference/transact-sdk
    type: Documentation
  - url: https://docs.atomicfi.com/reference/api
    type: APIReference
  - url: https://console.atomicfi.com/signup
    type: Signup
- aid: atomic-financial:atomic-verify-api
  name: Atomic Verify API
  description: Verify provides instant income and employment verification by connecting to the consumer's payroll provider
    or employer. Lenders, landlords, and fintechs use it to retrieve verified pay statements, gross/net income, employer identity,
    and employment status without faxed pay stubs.
  humanURL: https://docs.atomicfi.com/reference/transact-sdk
  baseURL: https://api.atomicfi.com
  tags:
  - Employment Verification
  - Income Verification
  - Underwriting
  - KYC
  properties:
  - url: https://docs.atomicfi.com/reference/transact-sdk
    type: Documentation
  - url: https://docs.atomicfi.com/reference/api
    type: APIReference
- aid: atomic-financial:atomic-paylink-api
  name: Atomic PayLink API
  description: PayLink lets consumers update their card-on-file across merchants and subscription services. It is also the
    foundation for subscription discovery, bill management, and Atomic's Manage / Switch product line — enabling pause, cancel,
    reactivate, and card-update flows across thousands of merchants.
  humanURL: https://docs.atomicfi.com/reference/transact-sdk
  baseURL: https://api.atomicfi.com
  tags:
  - PayLink
  - Subscription
  - Card on File
  - Bill Pay
  - Merchants
  tags_raw:
  - PayLink
  - Subscriptions
  - Card On File
  - Bill Pay
  - Merchants
  properties:
  - url: https://docs.atomicfi.com/reference/transact-sdk
    type: Documentation
  - url: https://docs.atomicfi.com/reference/api
    type: APIReference
- aid: atomic-financial:atomic-tax-api
  name: Atomic Tax API
  description: Tax retrieves W-2s, 1099s, and other tax documents directly from the user's payroll provider, and unlocks tax-refund
    use cases such as early-deposit and refund-advance products for banks and credit unions.
  humanURL: https://docs.atomicfi.com/reference/transact-sdk
  baseURL: https://api.atomicfi.com
  tags:
  - Tax
  - W-2
  - 1099
  - Documents
  tags_raw:
  - Taxes
  - W-2
  - 1099
  - Documents
  properties:
  - url: https://docs.atomicfi.com/reference/transact-sdk
    type: Documentation
  - url: https://docs.atomicfi.com/reference/api
    type: APIReference
- aid: atomic-financial:atomic-authentication-api
  name: Atomic Authentication API
  description: Atomic's authentication layer powers user-permissioned access to third-party payroll, employer, and merchant
    systems. Three flavors are supported - StandardAuth (credential / 2FA proxy), TrueAuth (deviceless, fully automated),
    and CoAuth (assisted authentication for hard-to-reach systems).
  humanURL: https://docs.atomicfi.com/reference/api
  baseURL: https://api.atomicfi.com
  tags:
  - Authentication
  - StandardAuth
  - TrueAuth
  - CoAuth
  - OAuth
  tags_raw:
  - Authentication
  - StandardAuth
  - TrueAuth
  - CoAuth
  - OAuth
  properties:
  - url: https://docs.atomicfi.com/reference/api
    type: APIReference
  - url: https://docs.atomicfi.com/reference/transact-sdk
    type: Documentation
- aid: atomic-financial:atomic-webhooks-api
  name: Atomic Webhooks API
  description: Atomic delivers task, company, and continuous-access events to your endpoint using the CloudEvents binary content
    mode. Events include task-status-updated, task-workflow-finished, payroll-data-fetched, deposit-accounts-synced, employment-updated,
    income-updated, statements-added, timesheets-added, taxes-added, and linked-account connected/disconnected.
  humanURL: https://docs.atomicfi.com/reference/webhooks
  baseURL: https://api.atomicfi.com
  tags:
  - Webhook
  - Event
  - CloudEvents
  - Notification
  tags_raw:
  - Webhooks
  - Events
  - CloudEvents
  - Notifications
  properties:
  - url: https://docs.atomicfi.com/reference/webhooks
    type: Documentation
  - url: https://docs.atomicfi.com/reference/api
    type: APIReference
- aid: atomic-financial:atomic-transact-sdk
  name: Atomic Transact SDK
  description: The Transact SDK is the user-facing client that drives every Atomic flow — authentication, account selection,
    consent, and task execution. It ships as an embeddable web component plus native libraries for iOS, Android, React Native,
    Flutter, and Capacitor. Configuration is task-based (operation = deposit | verify | identify | tax | auth) with theming,
    language, deeplink, search-rules, and metadata hooks.
  humanURL: https://docs.atomicfi.com/reference/transact-sdk
  tags:
  - SDK
  - JavaScript
  - iOS
  - Android
  - React Native
  - Flutter
  - Capacitor
  properties:
  - url: https://docs.atomicfi.com/reference/transact-sdk
    type: Documentation
  - url: https://github.com/atomicfi/atomic-transact-javascript
    type: SDKs
  - url: https://github.com/atomicfi/atomic-transact-ios
    type: SDKs
  - url: https://github.com/atomicfi/atomic-transact-android-public
    type: SDKs
  - url: https://github.com/atomicfi/atomic-transact-react-native
    type: SDKs
  - url: https://github.com/atomicfi/atomic-transact-flutter
    type: SDKs
  - url: https://github.com/atomicfi/atomic-transact-capacitor
    type: SDKs
common:
- type: DomainSecurity
  url: security/atomic-financial-domain-security.yml
- type: Website
  url: https://atomic.financial/
- type: Documentation
  url: https://docs.atomicfi.com/
- type: APIReference
  url: https://docs.atomicfi.com/reference/api
- type: Portal
  url: https://console.atomicfi.com/
- type: Signup
  url: https://console.atomicfi.com/signup
- type: Login
  url: https://console.atomicfi.com/
- type: GitHubOrganization
  url: https://github.com/atomicfi
- type: LinkedIn
  url: https://www.linkedin.com/company/atomic-fi/
- type: YouTube
  url: https://www.youtube.com/@atomic.financial
- type: Support
  url: https://atomic.financial/help-center/
- type: Blog
  url: https://atomic.financial/insights/
- type: Webhooks
  url: https://docs.atomicfi.com/reference/webhooks
- type: Authentication
  url: https://docs.atomicfi.com/reference/api
- type: Sandbox
  url: https://docs.atomicfi.com/reference/api
- type: Features
  data:
  - name: Deposit (Direct Deposit Switching)
    description: Reroute all or part of a user's paycheck to a new account at thousands of payroll providers, with total,
      fixed-amount, or percentage allocations.
  - name: Verify (Income & Employment)
    description: Instant payroll-sourced income and employment verification for lenders, landlords, and fintechs.
  - name: PayLink
    description: User-permissioned card-on-file updating across merchants and subscription services.
  - name: Manage
    description: AI-assisted subscription and recurring-bill management with pause / cancel / reactivate.
  - name: Switch
    description: Bulk payment-method updates and card switching across merchants.
  - name: Tax
    description: W-2 and 1099 document retrieval direct from payroll providers; powers refund-advance products.
  - name: Authentication suite
    description: StandardAuth (credential / 2FA), TrueAuth (deviceless, fully automated), and CoAuth (assisted) auth modes.
  - name: Transact SDK
    description: Embeddable web component plus native libraries for iOS, Android, React Native, Flutter, and Capacitor.
  - name: Continuous Access
    description: Long-lived linked-account connections that emit webhooks when payroll, deposit accounts, statements, timesheets,
      or taxes change.
  - name: CloudEvents webhooks
    description: Task, company, and data-sync events delivered using CloudEvents binary content mode.
  - name: Console
    description: Web dashboard for API keys, webhook endpoints, secrets, and task monitoring.
  sources:
  - https://atomic.financial/
  - https://docs.atomicfi.com/reference/api
  - https://docs.atomicfi.com/reference/webhooks
  - https://docs.atomicfi.com/reference/transact-sdk
  updated: '2026-05-25'
- type: UseCases
  data:
  - name: Primacy / Direct-Deposit Capture
    description: Banks and credit unions use Deposit to move new account holders' paychecks into their institution.
  - name: Lending Income & Employment Verification
    description: Lenders verify applicant pay and employer identity instantly during underwriting.
  - name: Tax-Refund Advance
    description: Issuers retrieve W-2 / 1099 data to power early-refund and refund-advance products.
  - name: Subscription Discovery & Management
    description: Issuers, neobanks, and PFM apps surface and manage recurring subscriptions and bills.
  - name: Card-on-File Switching
    description: Issuers move card-on-file across merchants when a customer gets a new card.
  - name: Gig / 1099 Income Streams
    description: Lenders and PFM apps pull gig-platform pay history for underwriting and budgeting.
- type: Integrations
  data:
  - name: Mastercard
    description: Strategic partnership for card-switching and subscription management at scale.
  - name: Experian
    description: Identity and credit-bureau ecosystem integration.
  - name: MX
    description: Open-banking and data-aggregation partnership.
  - name: Jack Henry
    description: Core-banking distribution to community banks and credit unions.
  - name: Galileo
    description: Card-issuing platform integration.
  - name: MoneyLion
    description: Consumer-finance platform integration.
  - name: Frost Bank
    description: Direct-deposit-switching customer.
- type: Solutions
  data:
  - name: Banks & Credit Unions
    description: Win primacy through direct-deposit capture, retain through subscription management, and advance through tax
      refunds.
  - name: Lenders
    description: Underwrite with payroll-sourced income, employment, and tax data.
  - name: HR & Earned-Wage-Access
    description: Connect to payroll for employment status, pay history, and timesheet data.
  - name: Fintech & Neobank
    description: Subscription discovery, bill optimization, and direct-deposit setup as embedded features.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
- name: Atomic
  url: https://atomic.financial/