Unit

aid: unit
url: https://raw.githubusercontent.com/api-evangelist/unit/refs/heads/main/apis.yml
name: Unit
kind: company
description: Unit is a US Banking-as-a-Service (BaaS) platform that lets companies embed banking, cards, and payments into
  their own products. Its REST API — organized around Applications, Customers, Accounts (deposit, credit, wallet/FBO, DACA),
  Cards, Payments (book, ACH, wire, recurring, received, cash deposit), Checks, Card Authorizations, Disputes, Transactions,
  Statements, Tax Forms, Fees & Rewards, Credit repayments, Stop Payments, and Webhooks — is authenticated with organization
  and customer bearer tokens and secured with idempotency keys and resource tagging. Unit publishes a public OpenAPI 3.0.2
  specification (openapi-unit-sdk) and generates official Node, Python, Ruby, and Java SDKs from it.
accessModel:
  pricing: freemium
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Freemium
  confidence: medium
  source:
  - plans
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/unit.png
tags:
- FinTech
- BaaS
- Banking
- Payments
- Card Issuing
- ACH
- United States
- Embedded Finance
- Deposit Accounts
- Open Finance
created: '2026-05-08'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: unit:applications
  name: Unit Applications API
  description: End-customer onboarding — create and manage individual and business Applications, application forms, KYC/KYB
    document upload, verification, and beneficial owners.
  humanURL: https://www.unit.co/docs/api/applications
  baseURL: https://api.unit.co
  tags:
  - Onboarding
  - KYC
  - Applications
  properties:
  - type: OpenAPI
    url: openapi/unit-applications-openapi.json
  - type: Documentation
    url: https://www.unit.co/docs/api/applications
- aid: unit:customers
  name: Unit Customers API
  description: Manage created Customers (individual and business), authorized and API users, customer archival, and customer-scoped
    bearer tokens for end-user access.
  humanURL: https://www.unit.co/docs/api/customers
  baseURL: https://api.unit.co
  tags:
  - Customers
  - Identity
  - Tokens
  properties:
  - type: OpenAPI
    url: openapi/unit-customers-openapi.json
  - type: Documentation
    url: https://www.unit.co/docs/api/customers
- aid: unit:accounts
  name: Unit Accounts API
  description: Deposit, credit, wallet (FBO) and DACA accounts — open, close, freeze and unfreeze, per-account limits, deposit
    products, customer relationships, and repayment information.
  humanURL: https://www.unit.co/docs/api/deposit-accounts
  baseURL: https://api.unit.co
  tags:
  - Accounts
  - Deposits
  - Banking
  properties:
  - type: OpenAPI
    url: openapi/unit-accounts-openapi.json
  - type: Documentation
    url: https://www.unit.co/docs/api/deposit-accounts
- aid: unit:cards
  name: Unit Cards API
  description: Issue and manage debit and credit cards — create, close, freeze/unfreeze, replace, report lost or stolen, set
    per-card limits, and check secure PIN status, with mobile wallet integration.
  humanURL: https://www.unit.co/docs/api/cards
  baseURL: https://api.unit.co
  tags:
  - Cards
  - Card Issuing
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/unit-cards-openapi.json
  - type: Documentation
    url: https://www.unit.co/docs/api/cards
- aid: unit:payments
  name: Unit Payments API
  description: Move money via Book, ACH and wire Payments plus recurring, received (incoming ACH), and cash deposit flows,
    with counterparties, ACH returns, and institution routing-number lookups.
  humanURL: https://www.unit.co/docs/api/payments
  baseURL: https://api.unit.co
  tags:
  - Payments
  - ACH
  - Wire
  - Counterparties
  properties:
  - type: OpenAPI
    url: openapi/unit-payments-openapi.json
  - type: Documentation
    url: https://www.unit.co/docs/api/payments
- aid: unit:checks
  name: Unit Checks API
  description: Check payments (print-and-mail) and mobile check deposits — create, approve, cancel, return, confirm, and manage
    front and back check images.
  humanURL: https://www.unit.co/docs/api/check-payments
  baseURL: https://api.unit.co
  tags:
  - Checks
  - Payments
  - Deposits
  properties:
  - type: OpenAPI
    url: openapi/unit-checks-openapi.json
  - type: Documentation
    url: https://www.unit.co/docs/api/check-payments
- aid: unit:authorizations
  name: Unit Card Authorizations API
  description: Real-time card authorization requests for programmatic approve/decline control, plus retrieval and listing
    of completed card authorizations.
  humanURL: https://www.unit.co/docs/api
  baseURL: https://api.unit.co
  tags:
  - Authorizations
  - Cards
  - Real-Time
  properties:
  - type: OpenAPI
    url: openapi/unit-authorizations-openapi.json
  - type: Documentation
    url: https://www.unit.co/docs/api
- aid: unit:disputes
  name: Unit Disputes API
  description: Retrieve and list card transaction disputes and track their status through the dispute lifecycle.
  humanURL: https://www.unit.co/docs/api/disputes
  baseURL: https://api.unit.co
  tags:
  - Disputes
  - Cards
  - Compliance
  properties:
  - type: OpenAPI
    url: openapi/unit-disputes-openapi.json
  - type: Documentation
    url: https://www.unit.co/docs/api/disputes
- aid: unit:transactions
  name: Unit Transactions API
  description: List and retrieve account transactions across all payment, card, fee, and reward activity for reconciliation
    and ledgering.
  humanURL: https://www.unit.co/docs/api/transactions
  baseURL: https://api.unit.co
  tags:
  - Transactions
  - Ledger
  - Banking
  properties:
  - type: OpenAPI
    url: openapi/unit-transactions-openapi.json
  - type: Documentation
    url: https://www.unit.co/docs/api/transactions
- aid: unit:statements
  name: Unit Statements API
  description: Retrieve monthly account statements as HTML or PDF, including bank-branded PDF statements for end customers.
  humanURL: https://www.unit.co/docs/api/statements
  baseURL: https://api.unit.co
  tags:
  - Statements
  - Documents
  - Banking
  properties:
  - type: OpenAPI
    url: openapi/unit-statements-openapi.json
  - type: Documentation
    url: https://www.unit.co/docs/api/statements
- aid: unit:tax-forms
  name: Unit Tax Forms API
  description: List and retrieve customer tax forms and download their PDF renderings for year-end reporting.
  humanURL: https://www.unit.co/docs/api/tax-forms
  baseURL: https://api.unit.co
  tags:
  - Tax Forms
  - Documents
  - Compliance
  properties:
  - type: OpenAPI
    url: openapi/unit-tax-forms-openapi.json
  - type: Documentation
    url: https://www.unit.co/docs/api/tax-forms
- aid: unit:fees-rewards
  name: Unit Fees and Rewards API
  description: Charge and reverse Fees on accounts and create or retrieve Rewards paid out to customer accounts.
  humanURL: https://www.unit.co/docs/api/fees
  baseURL: https://api.unit.co
  tags:
  - Fees
  - Rewards
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/unit-fees-rewards-openapi.json
  - type: Documentation
    url: https://www.unit.co/docs/api/fees
- aid: unit:credit
  name: Unit Credit and Repayments API
  description: Credit account repayments and recurring repayments — create, retrieve, and enable or disable scheduled repayments
    for lending programs.
  humanURL: https://www.unit.co/docs/api/repayments
  baseURL: https://api.unit.co
  tags:
  - Credit
  - Lending
  - Repayments
  properties:
  - type: OpenAPI
    url: openapi/unit-credit-openapi.json
  - type: Documentation
    url: https://www.unit.co/docs/api/repayments
- aid: unit:stop-payments
  name: Unit Stop Payments API
  description: Create, retrieve, and disable stop payments and positive-pay controls to block or match expected payments on
    accounts.
  humanURL: https://www.unit.co/docs/api/stop-payments
  baseURL: https://api.unit.co
  tags:
  - Stop Payments
  - Positive Pay
  - Controls
  properties:
  - type: OpenAPI
    url: openapi/unit-stop-payments-openapi.json
  - type: Documentation
    url: https://www.unit.co/docs/api/stop-payments
- aid: unit:webhooks
  name: Unit Webhooks and Events API
  description: Register webhook endpoints, enable or disable delivery, and list and retrieve the Events (resource state changes)
    Unit emits across the platform.
  humanURL: https://www.unit.co/docs/api/webhooks
  baseURL: https://api.unit.co
  tags:
  - Webhooks
  - Events
  - Notifications
  properties:
  - type: OpenAPI
    url: openapi/unit-webhooks-openapi.json
  - type: Documentation
    url: https://www.unit.co/docs/api/webhooks
- aid: unit:sandbox
  name: Unit Sandbox and Reference API
  description: Sandbox-only simulation endpoints (received ACH payments, ATM deposits, card activation) plus store and ATM
    location reference data for testing integrations.
  humanURL: https://www.unit.co/docs/api/sandbox
  baseURL: https://api.s.unit.sh
  tags:
  - Sandbox
  - Testing
  - Reference Data
  properties:
  - type: OpenAPI
    url: openapi/unit-sandbox-openapi.json
  - type: Documentation
    url: https://www.unit.co/docs/api/sandbox
common:
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/unit/overview
- type: Authentication
  url: authentication/unit-authentication.yml
- type: Website
  url: https://www.unit.co/
- type: DeveloperPortal
  url: https://www.unit.co/docs
- type: Documentation
  url: https://www.unit.co/docs/api
- type: GitHubOrganization
  url: https://github.com/unit-finance
- type: LinkedIn
  url: https://www.linkedin.com/company/unit-finance
- type: Blog
  url: https://www.unit.co/blog/
- type: TermsOfService
  url: https://www.unit.co/terms-conditions
- type: PrivacyPolicy
  url: https://www.unit.co/privacy-policy
- type: StatusPage
  url: https://status.unit.co/
- type: Security
  url: https://www.unit.co/security
- type: Integrations
  url: https://www.unit.co/integrations
- type: TrustCenter
  url: security/unit-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/unit-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/unit-domain-security.yml
- type: Plans
  url: plans/unit-plans-pricing.yml
- type: RateLimits
  url: rate-limits/unit-rate-limits.yml
- type: FinOps
  url: finops/unit-finops.yml
- type: APIReference
  url: https://www.unit.co/docs/api
- type: GettingStarted
  url: https://www.unit.co/docs/api/getting-started/tooling
- type: SignUp
  url: https://app.unit.co/
- type: Postman
  name: Unit API Postman Collection
  url: https://unit.co/docs/UnitAPI.postman_collection.json
- type: Compliance
  url: https://www.unit.co/security
- type: Deprecation
  url: https://www.unit.co/docs/api/using-the-api#deprecations
- type: Authentication
  url: authentication/unit-authentication.yml
- type: OAuthScopes
  url: scopes/unit-scopes.yml
- type: Conventions
  url: conventions/unit-conventions.yml
- type: Idempotency
  url: conventions/unit-conventions.yml
- type: Packages
  url: packages/unit-packages.yml
- type: SDKs
  url: packages/unit-packages.yml
- type: ErrorCatalog
  name: Unit API Error Codes
  url: errors/unit-problem-types.yml
- type: ErrorCatalog
  name: Unit ACH Return Reason Codes
  url: errors/unit-ach-return-codes.yml
- type: Lifecycle
  url: lifecycle/unit-lifecycle.yml
- type: Conformance
  url: conformance/unit-conformance.yml
- type: Sandbox
  url: sandbox/unit-sandbox.yml
- type: ChangeLog
  name: Unit White-Label Components Changelog
  url: changelog/unit-changelog.yml
- type: Components
  url: components/unit-components.yml
- type: DataModel
  url: data-model/unit-data-model.yml
- type: MCPServer
  url: mcp/unit-mcp.yml
- type: LLMsTxt
  url: llms/unit-llms.txt
- type: Overlay
  url: overlays/unit-openapi-source-overlay.yaml
- type: Webhooks
  url: asyncapi/unit-events-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
integrations:
- name: The unit
- name: X (twitter)
- name: Linkedin
- name: PCI DSS Validated
- name: AICPA SOC
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com