Atomic
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.
Limited machine-readable signal and partial portal coverage — documentation a human can read, but little a machine or agent can consume without scraping.
API Evangelist profiles Atomic the way a machine reads it — 37 machine-readable artifacts across 7 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Atomic scores 26.5/100 (thin), with a separate agent-readiness read of 20/100 (agent aware). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-09-10 · rubric v0.20.0
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How we profile Atomic
Each block below is one kind of artifact we hold for Atomic. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 7
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Atomic Deposit API
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, ...
Atomic Verify API
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 veri...
Atomic PayLink API
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 ...
Atomic Tax API
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 ...
Atomic Authentication API
Atomic's authentication layer powers user-permissioned access to third-party payroll, employer, and merchant systems. Three flavors are supported - StandardAuth (credential / 2F...
Atomic Webhooks API
Atomic delivers task, company, and continuous-access events to your endpoint using the CloudEvents binary content mode. Events include task-status-updated, task-workflow-finishe...
Atomic Transact SDK
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 componen...
Scroll within the panel for all 7 ·
GraphQL 1
Where a provider ships GraphQL, the schema is the contract. We profile it alongside the REST surface so the whole interface is legible in one place.
GraphQL schemas published by this provider.
Atomic Financial GraphQL
Conceptual GraphQL schema for Atomic Financial's payroll connectivity, direct deposit switching, income and employment verification, tax document retrieval, and merchant card-on...
GRAPHQLFeatures 11
The notable capabilities this provider advertises, captured as structured features so they can be searched and compared instead of read one landing page at a time.
Notable capabilities this provider offers.
Deposit (Direct Deposit Switching)
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.
Verify (Income & Employment)
Instant payroll-sourced income and employment verification for lenders, landlords, and fintechs.
PayLink
User-permissioned card-on-file updating across merchants and subscription services.
Manage
AI-assisted subscription and recurring-bill management with pause / cancel / reactivate.
Switch
Bulk payment-method updates and card switching across merchants.
Tax
W-2 and 1099 document retrieval direct from payroll providers; powers refund-advance products.
Authentication suite
StandardAuth (credential / 2FA), TrueAuth (deviceless, fully automated), and CoAuth (assisted) auth modes.
Transact SDK
Embeddable web component plus native libraries for iOS, Android, React Native, Flutter, and Capacitor.
Continuous Access
Long-lived linked-account connections that emit webhooks when payroll, deposit accounts, statements, timesheets, or taxes change.
CloudEvents webhooks
Task, company, and data-sync events delivered using CloudEvents binary content mode.
Console
Web dashboard for API keys, webhook endpoints, secrets, and task monitoring.
Scroll within the panel for all 11 ·
Security Posture 1
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Use Cases 6
What developers actually build with this provider — captured so the catalogue answers 'what is this for', not just 'what does this expose'.
What developers build with this provider.
Primacy / Direct-Deposit Capture
Banks and credit unions use Deposit to move new account holders' paychecks into their institution.
Lending Income & Employment Verification
Lenders verify applicant pay and employer identity instantly during underwriting.
Tax-Refund Advance
Issuers retrieve W-2 / 1099 data to power early-refund and refund-advance products.
Subscription Discovery & Management
Issuers, neobanks, and PFM apps surface and manage recurring subscriptions and bills.
Card-on-File Switching
Issuers move card-on-file across merchants when a customer gets a new card.
Gig / 1099 Income Streams
Lenders and PFM apps pull gig-platform pay history for underwriting and budgeting.
Integrations 7
Pre-built integrations with other platforms tell you where this provider already fits in a stack.
Pre-built integrations with other platforms and tools.
Mastercard
Strategic partnership for card-switching and subscription management at scale.
Experian
Identity and credit-bureau ecosystem integration.
MX
Open-banking and data-aggregation partnership.
Jack Henry
Core-banking distribution to community banks and credit unions.
Galileo
Card-issuing platform integration.
MoneyLion
Consumer-finance platform integration.
Frost Bank
Direct-deposit-switching customer.
Scroll within the panel for all 7 ·
Solutions 4
Packaged solutions the provider offers on top of the raw API surface.
Packaged solutions this provider offers.
Banks & Credit Unions
Win primacy through direct-deposit capture, retain through subscription management, and advance through tax refunds.
Lenders
Underwrite with payroll-sourced income, employment, and tax data.
HR & Earned-Wage-Access
Connect to payroll for employment status, pay history, and timesheet data.
Fintech & Neobank
Subscription discovery, bill optimization, and direct-deposit setup as embedded features.
Resources
Every other property we hold for Atomic — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 4
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Design & Contract 1
Pagination, idempotency, versioning, errors, and events
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 2
Authentication, authorization, and security posture
Learn 1
Tutorials, courses, talks, and written guidance
Operate 1
Status, limits, changes, and where to get help
Company 3
The organization behind the API
← All providers · Data indexed from github.com/api-evangelist/atomic-financial · machine-readable index on apis.io
This is an independent, third-party profile of Atomic, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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