specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Atomic
providerId: atomic-fi
created: '2026-07-01'
modified: '2026-07-01'
reconciled: false
tags:
- Fintech
- Payroll
- Direct Deposit
- Income Verification
- Financial Connectivity
- Plans
description: >-
  Atomic does not publish public self-serve pricing. Access to the UserLink
  and PayLink APIs and the Transact SDK is sold as an enterprise, contracted
  engagement negotiated with Atomic's sales team. A free sandbox
  (sandbox-api.atomicfi.com) is available for development and integration
  testing. Production pricing is quote-based and typically scoped by product
  (Deposit, Verify, PayLink), connection volume, and monitoring.
notes: >-
  No public price list exists. Contact Atomic sales to obtain production
  credentials and negotiated terms; sandbox access is free for building.
  Verify all commercial terms directly with Atomic during reconciliation.
sources:
- https://atomicfi.com
- https://docs.atomicfi.com
- https://console.atomicfi.com/signup
plans:
- id: atomic-fi-sandbox
  name: Sandbox
  type: free
  description: >-
    Free sandbox environment for building and testing against
    sandbox-api.atomicfi.com and the Transact SDK before going live.
  entries:
  - label: Sandbox Access
    name: sandbox
    type: flat
    metric: environment
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: $0
    userMultiplied: false
  elements:
  - name: Access Tokens
  - name: Transact SDK
  - name: Company Search
  - name: Simulated Tasks
- id: atomic-fi-enterprise
  name: Enterprise
  type: enterprise
  description: >-
    Production access to UserLink (Deposit, Verify) and PayLink, priced by
    contract based on products used, connection/task volume, and ongoing
    monitoring. Contact Atomic sales.
  entries:
  - label: Enterprise Agreement
    name: enterprise
    type: flat
    metric: contract
    limit: -1
    timeFrame: year
    geo: global
    unit: 1
    price: contact sales
    userMultiplied: false
  elements:
  - name: Deposit (Direct Deposit Switch)
  - name: Verify (Income & Employment)
  - name: PayLink (Manage Payments)
  - name: Payroll Data Retrieval
  - name: Linked Account Monitoring
  - name: Webhooks
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com