Atomic

aid: atomic-financial
name: Atomic
url: https://raw.githubusercontent.com/api-evangelist/atomic-financial/refs/heads/main/apis.yml
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: '0.18'
position: Consuming
access: 3rd-Party
tags:
  - 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
      - 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:
      - 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
    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:
      - 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: SDK
      - url: https://github.com/atomicfi/atomic-transact-ios
        type: SDK
      - url: https://github.com/atomicfi/atomic-transact-android-public
        type: SDK
      - url: https://github.com/atomicfi/atomic-transact-react-native
        type: SDK
      - url: https://github.com/atomicfi/atomic-transact-flutter
        type: SDK
      - url: https://github.com/atomicfi/atomic-transact-capacitor
        type: SDK
common:
  - 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: [email protected]
  - FN: APIs.json
    email: [email protected]
  - name: Atomic
    url: https://atomic.financial/