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Full detail: Where this data comes from
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.
APIs.json: https://raw.githubusercontent.com/api-evangelist/atomic-fi/refs/heads/main/apis.yml
- Fintech
- Payroll
- Direct Deposit
- Income Verification
- Employment Verification
- Financial Connectivity
- Embedded Finance
- Created: 2026-07-01
- Modified: 2026-07-01
Exchanges your API Key and Secret for a short-lived publicToken that initializes the Transact SDK on the client. Includes creating and revoking access tokens, called from your backend so credentials never reach the browser.
- Human URL: https://docs.atomicfi.com/reference/api
- Base URL:
https://api.atomicfi.com
- Access Tokens
- Authentication
- Public Token
- Documentation
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Embedded, hosted front-end (Browser, iOS, Android, React Native, Flutter, Capacitor, WebView) launched with Atomic.transact() and a publicToken. It runs deposit, verify, and tax task workflows, handling user authentication and consent, and emits client-side events (onFinish, onClose, onInteraction, onTaskStatusUpdate) over Atomic's backend API.
- Human URL: https://docs.atomicfi.com/reference/transact-sdk
- Base URL:
https://api.atomicfi.com
- Transact
- SDK
- Embedded
- Front End
Retrieves task details and status, generates presigned file URLs, runs task prescreen confidence checks, and starts task workflows from an existing linked account. Tasks are the unit of work behind deposit, verify, and tax operations.
- Human URL: https://docs.atomicfi.com/reference/api
- Base URL:
https://api.atomicfi.com
- Tasks
- Task Workflow
- Status
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Switches a user's direct deposit at their payroll or HR provider, supporting total, fixed, and percent distribution splits. Surfaced through the deposit task operation and exposes the user's current deposit accounts on file.
- Human URL: https://docs.atomicfi.com/products/deposit/implementation
- Base URL:
https://api.atomicfi.com
- Deposit
- Direct Deposit Switch
- Distribution
Verifies income and employment via the verify task operation, returning employment status, income (annual/hourly, pay cycle, next pay date), identity, statements/paystubs, timesheets, and taxes (W-2 / 1099) pulled from the connected payroll system.
- Human URL: https://docs.atomicfi.com/products/verify/implementation
- Base URL:
https://api.atomicfi.com
- Verify
- Income
- Employment
- Identity
User-permissioned access into merchants and subscription services to read and update payment methods on file, and to run account actions such as pausing or canceling a plan. Card data flows through a dedicated PCI host (pci.atomicfi.com).
- Human URL: https://docs.atomicfi.com/paylink/reference/api
- Base URL:
https://api.atomicfi.com
- PayLink
- Manage Payments
- Cards on File
- Subscriptions
Retrieves payroll data by user identifier - deposit accounts, employment, identity, income, statements, timesheets, and taxes - plus linked-account listing and user/monitoring management for ongoing connections.
- Human URL: https://docs.atomicfi.com/reference/api
- Base URL:
https://api.atomicfi.com
- Data
- Payroll Data
- Statements
- Linked Accounts
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
Manages webhook endpoints and signing secrets, and delivers real-time CloudEvents-formatted notifications such as task-status-updated, payroll-data-fetched, and the *-synced data events, with retries and manual replay.
- Human URL: https://docs.atomicfi.com/reference/webhooks
- Base URL:
https://api.atomicfi.com
- Webhooks
- Events
- CloudEvents
FN: Kin Lane Email: kin@apievangelist.com