aid: atomic-fi url: https://raw.githubusercontent.com/api-evangelist/atomic-fi/refs/heads/main/apis.yml name: Atomic kind: company description: 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. image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg tags: - Fintech - Payroll - Direct Deposit - Income Verification - Employment Verification - Financial Connectivity - Embedded Finance created: '2026-07-01' modified: '2026-07-01' specificationVersion: '0.19' apis: - aid: atomic-fi:atomic-fi-access-tokens-api name: Atomic Access Tokens API tags: - Access Tokens - Authentication - Public Token image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.atomicfi.com/reference/api baseURL: https://api.atomicfi.com properties: - url: https://docs.atomicfi.com/reference/api type: Documentation - url: https://docs.atomicfi.com/reference/api type: APIReference - url: openapi/atomic-fi-openapi.yml type: OpenAPI - url: collections/atomic-fi.postman_collection.json type: PostmanCollection - url: collections/atomic-fi.opencollection.json type: OpenCollection description: 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. - aid: atomic-fi:atomic-fi-transact-sdk name: Atomic Transact SDK tags: - Transact - SDK - Embedded - Front End image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.atomicfi.com/reference/transact-sdk baseURL: https://api.atomicfi.com properties: - url: https://docs.atomicfi.com/reference/transact-sdk type: Documentation - url: openapi/atomic-fi-openapi.yml type: OpenAPI description: 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. - aid: atomic-fi:atomic-fi-tasks-api name: Atomic Tasks API tags: - Tasks - Task Workflow - Status image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.atomicfi.com/reference/api baseURL: https://api.atomicfi.com properties: - url: https://docs.atomicfi.com/reference/api type: Documentation - url: openapi/atomic-fi-openapi.yml type: OpenAPI - url: collections/atomic-fi.postman_collection.json type: PostmanCollection - url: collections/atomic-fi.opencollection.json type: OpenCollection description: 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. - aid: atomic-fi:atomic-fi-deposit-api name: Atomic Deposit API tags: - Deposit - Direct Deposit Switch - Distribution image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.atomicfi.com/products/deposit/implementation baseURL: https://api.atomicfi.com properties: - url: https://docs.atomicfi.com/products/deposit/implementation type: Documentation - url: openapi/atomic-fi-openapi.yml type: OpenAPI description: 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. - aid: atomic-fi:atomic-fi-verify-api name: Atomic Verify API tags: - Verify - Income - Employment - Identity image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.atomicfi.com/products/verify/implementation baseURL: https://api.atomicfi.com properties: - url: https://docs.atomicfi.com/products/verify/implementation type: Documentation - url: openapi/atomic-fi-openapi.yml type: OpenAPI description: 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. - aid: atomic-fi:atomic-fi-paylink-api name: Atomic PayLink API tags: - PayLink - Manage Payments - Cards on File - Subscriptions image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.atomicfi.com/paylink/reference/api baseURL: https://api.atomicfi.com properties: - url: https://docs.atomicfi.com/paylink/reference/api type: Documentation - url: https://docs.atomicfi.com/paylink/reference/api type: APIReference - url: openapi/atomic-fi-openapi.yml type: OpenAPI description: 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). - aid: atomic-fi:atomic-fi-data-api name: Atomic Data & Transactions API tags: - Data - Payroll Data - Statements - Linked Accounts image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.atomicfi.com/reference/api baseURL: https://api.atomicfi.com properties: - url: https://docs.atomicfi.com/reference/api type: Documentation - url: openapi/atomic-fi-openapi.yml type: OpenAPI - url: collections/atomic-fi.postman_collection.json type: PostmanCollection - url: collections/atomic-fi.opencollection.json type: OpenCollection description: 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. - aid: atomic-fi:atomic-fi-webhooks-api name: Atomic Webhooks API tags: - Webhooks - Events - CloudEvents image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.atomicfi.com/reference/webhooks baseURL: https://api.atomicfi.com properties: - url: https://docs.atomicfi.com/reference/webhooks type: Documentation - url: openapi/atomic-fi-openapi.yml type: OpenAPI description: 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. common: - type: DomainSecurity url: security/atomic-fi-domain-security.yml - type: Authentication url: authentication/atomic-fi-authentication.yml - type: GitHubOrganization url: https://github.com/atomicfi - type: LinkedIn url: https://www.linkedin.com/company/atomicfi - type: Website url: https://atomicfi.com - type: Documentation url: https://docs.atomicfi.com - type: Plans url: plans/atomic-fi-plans-pricing.yml - type: RateLimits url: rate-limits/atomic-fi-rate-limits.yml - type: FinOps url: finops/atomic-fi-finops.yml maintainers: - FN: Kin Lane email: kin@apievangelist.com