aid: unit-co
url: https://raw.githubusercontent.com/api-evangelist/unit-co/refs/heads/main/apis.yml
name: Unit
kind: company
description: Unit is a Banking-as-a-Service (BaaS) platform that lets companies
  embed deposit accounts, cards, payments, and lending into their own products
  without becoming a bank. A single REST API, built on the JSON:API specification
  (media type application/vnd.api+json) and secured with Bearer/JWT tokens, covers
  onboarding (Applications), Customers, Deposit and Credit Accounts, Debit and
  Credit Cards, real-time card Authorizations, Payments (Book, ACH, Wire,
  Recurring, Cash Deposits), Counterparties, Checks, Transactions, Statements,
  Tax Forms, Fees, Rewards, Credit and Repayments, and Events delivered as
  signed HTTP webhooks. Unit publishes an official OpenAPI 3.0.2 specification
  (github.com/unit-finance/openapi-unit-sdk) plus generated Node.js, Python,
  Ruby, and Java SDKs. Sandbox runs at api.s.unit.sh; production access is
  provisioned per signed BaaS agreement with Unit's partner banks.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- FinTech
- BaaS
- Banking
- Payments
- Card Issuing
- ACH
- Lending
- JSON:API
created: '2026-07-02'
modified: '2026-07-02'
specificationVersion: '0.19'
apis:
- aid: unit-co:unit-co-applications-api
  name: Unit Applications API
  tags:
  - Applications
  - Onboarding
  - KYC
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.unit.co/docs/api/applications/
  baseURL: https://api.s.unit.sh
  properties:
  - url: https://www.unit.co/docs/api/
    type: Documentation
  - url: https://www.unit.co/docs/api/applications/
    type: APIReference
  - url: openapi/unit-co-openapi.yml
    type: OpenAPI
  description: Individual and business application onboarding - create, get, update,
    list, and cancel applications; manage application forms, uploaded KYC/KYB
    documents (front/back, verify, download), business beneficial owners, and
    surface an application's missing fields. An approved application creates a
    Customer resource.
- aid: unit-co:unit-co-customers-api
  name: Unit Customers API
  tags:
  - Customers
  - Authorized Users
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.unit.co/docs/api/customers/
  baseURL: https://api.s.unit.sh
  properties:
  - url: https://www.unit.co/docs/api/customers/
    type: Documentation
  - url: https://www.unit.co/docs/api/customers/
    type: APIReference
  - url: openapi/unit-co-openapi.yml
    type: OpenAPI
  description: Manage individual and business Customer resources created from
    approved applications - get, update, list, and archive customers, and add
    or remove authorized users who can transact on a customer's accounts and
    cards.
- aid: unit-co:unit-co-accounts-api
  name: Unit Accounts API
  tags:
  - Accounts
  - Deposit Accounts
  - Credit Accounts
  - DACA
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.unit.co/docs/api/accounts/deposit-accounts/overview/
  baseURL: https://api.s.unit.sh
  properties:
  - url: https://www.unit.co/docs/api/accounts/deposit-accounts/overview/
    type: Documentation
  - url: https://www.unit.co/docs/api/accounts/
    type: APIReference
  - url: openapi/unit-co-openapi.yml
    type: OpenAPI
  description: Create, get, update, list, freeze/unfreeze, close, and reopen
    deposit and credit accounts; manage Deposit Account Control Agreements
    (enter/activate/deactivate DACA); retrieve account limits, deposit products,
    end-of-day balance history, credit repayment information, and add or remove
    joint customers on an account.
- aid: unit-co:unit-co-cards-api
  name: Unit Cards API
  tags:
  - Cards
  - Debit Cards
  - Credit Cards
  - Card Issuing
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.unit.co/docs/api/cards/
  baseURL: https://api.s.unit.sh
  properties:
  - url: https://www.unit.co/docs/api/cards/
    type: Documentation
  - url: https://www.unit.co/docs/api/cards/
    type: APIReference
  - url: openapi/unit-co-openapi.yml
    type: OpenAPI
  description: Issue and manage individual and business debit and credit cards -
    create, get, update, list, freeze/unfreeze, close, replace, and check PIN
    status; report a card lost or stolen; retrieve card spending limits; and
    look up nearby surcharge-free ATM locations.
- aid: unit-co:unit-co-authorizations-api
  name: Unit Card Authorizations API
  tags:
  - Authorizations
  - Real-Time Decisioning
  - Card Present
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.unit.co/docs/api/cards-authorizations/
  baseURL: https://api.s.unit.sh
  properties:
  - url: https://docs.unit.co/cards-authorization-requests/
    type: Documentation
  - url: https://www.unit.co/docs/api/cards-authorizations/
    type: APIReference
  - url: openapi/unit-co-openapi.yml
    type: OpenAPI
  description: List and retrieve completed card Authorization resources, and
    handle real-time Authorization Requests - Unit calls a configured webhook
    for every attempt to use a card so you can approve or decline it inline
    (with reasons such as InsufficientFunds, DoNotHonor, or RestrictedCard)
    before the transaction is authorized.
- aid: unit-co:unit-co-payments-api
  name: Unit Payments API
  tags:
  - Payments
  - ACH
  - Wire
  - Book Payments
  - Cash Deposits
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.unit.co/docs/api/payments/book/
  baseURL: https://api.s.unit.sh
  properties:
  - url: https://docs.unit.co/payments/
    type: Documentation
  - url: https://www.unit.co/docs/api/payments/book/
    type: APIReference
  - url: openapi/unit-co-openapi.yml
    type: OpenAPI
  description: Move money with Book Payments (instant internal transfers), ACH
    (originating debit/credit) and Wire payments, one-time and Recurring
    Payments, and retail Cash Deposits (barcode-based). Also manage incoming
    Received Payments - advance, reprocess, or return an ACH transaction - and
    cancel pending payments.
- aid: unit-co:unit-co-counterparties-api
  name: Unit Counterparties API
  tags:
  - Counterparties
  - External Accounts
  - Institutions
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.unit.co/docs/api/counterparties/overview/
  baseURL: https://api.s.unit.sh
  properties:
  - url: https://www.unit.co/docs/api/counterparties/overview/
    type: Documentation
  - url: https://www.unit.co/docs/api/payments-counterparties/
    type: APIReference
  - url: openapi/unit-co-openapi.yml
    type: OpenAPI
  description: Create, get, update, list, and delete Counterparty resources -
    external bank accounts (often verified via a Plaid processor token) that
    can send or receive ACH payments - and check a Plaid-verified counterparty's
    balance. Includes routing-number Institution lookups used to validate
    counterparties.
- aid: unit-co:unit-co-checks-api
  name: Unit Checks API
  tags:
  - Checks
  - Check Deposits
  - Check Printing
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.unit.co/check-deposits/
  baseURL: https://api.s.unit.sh
  properties:
  - url: https://docs.unit.co/check-deposits/
    type: Documentation
  - url: https://www.unit.co/docs/api/checks/
    type: APIReference
  - url: openapi/unit-co-openapi.yml
    type: OpenAPI
  description: Mobile Check Deposits - create, get, update, list, confirm, and
    retrieve front/back images of a deposited check - and outbound Check
    Payments (print-and-mail) - create, approve, cancel, return, and retrieve
    front/back images.
- aid: unit-co:unit-co-transactions-api
  name: Unit Transactions API
  tags:
  - Transactions
  - Ledger
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.unit.co/docs/api/transactions/overview/
  baseURL: https://api.s.unit.sh
  properties:
  - url: https://www.unit.co/docs/api/transactions/overview/
    type: Documentation
  - url: https://www.unit.co/docs/api/transactions/
    type: APIReference
  - url: openapi/unit-co-openapi.yml
    type: OpenAPI
  description: Read-only ledger of confirmed, posted financial movements on an
    account - list transactions with filtering and paging, get a single
    transaction by account and transaction id, and update transaction tags.
    Transactions are final and are never created directly through the API.
- aid: unit-co:unit-co-statements-tax-forms-api
  name: Unit Statements and Tax Forms API
  tags:
  - Statements
  - Tax Forms
  - Compliance
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.unit.co/statements/
  baseURL: https://api.s.unit.sh
  properties:
  - url: https://docs.unit.co/statements/
    type: Documentation
  - url: https://www.unit.co/docs/api/statements/
    type: APIReference
  - url: openapi/unit-co-openapi.yml
    type: OpenAPI
  description: Retrieve auto-generated monthly account statements as HTML or
    PDF, plus bank-verification PDFs, for deposit and credit accounts; list
    and retrieve annual Tax Forms and their PDFs, with webhook events on
    creation and updates for electronic delivery consent workflows.
- aid: unit-co:unit-co-events-webhooks-api
  name: Unit Events and Webhooks API
  tags:
  - Events
  - Webhooks
  - Notifications
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.unit.co/webhooks/
  baseURL: https://api.s.unit.sh
  properties:
  - url: https://docs.unit.co/webhooks/
    type: Documentation
  - url: https://www.unit.co/docs/api/events/
    type: APIReference
  - url: openapi/unit-co-openapi.yml
    type: OpenAPI
  description: List and retrieve Event resources (resource.event-named, e.g.
    application.created, account.frozen, card.authorization) going back up to
    90 days, and manage Webhook subscriptions - create, get, update, list,
    enable, and disable - that deliver those events as HMAC-signed HTTP POST
    callbacks to your endpoint.
- aid: unit-co:unit-co-risk-fraud-api
  name: Unit Risk and Fraud Prevention API
  tags:
  - Fraud
  - Disputes
  - Stop Payments
  - Positive Pay
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.unit.co/docs/api/stop-payments/apis/
  baseURL: https://api.s.unit.sh
  properties:
  - url: https://www.unit.co/docs/api/stop-payments/apis/
    type: Documentation
  - url: https://www.unit.co/docs/api/disputes/
    type: APIReference
  - url: openapi/unit-co-openapi.yml
    type: OpenAPI
  description: Create, list, get, and disable ACH/check Stop Payments; list and
    retrieve card transaction Disputes; and, through the dashboard-driven
    white-label Card Fraud Outreach flow, notify customers of suspected fraud
    and act on their response. Positive Pay check-matching rules are also
    configured under this surface.
- aid: unit-co:unit-co-credit-repayments-api
  name: Unit Credit and Repayments API
  tags:
  - Credit
  - Lending
  - Repayments
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.unit.co/repayments/
  baseURL: https://api.s.unit.sh
  properties:
  - url: https://docs.unit.co/repayments/
    type: Documentation
  - url: https://docs.unit.co/credit-accounts/
    type: APIReference
  - url: openapi/unit-co-openapi.yml
    type: OpenAPI
  description: Manage repayments on Unit credit accounts and receivables - create,
    get, and list one-time Repayments; create, get, list, enable, and disable
    Recurring Repayments. Works alongside Credit Accounts (a deposit-account
    type) and Credit Applications for line-of-credit and charge card programs.
- aid: unit-co:unit-co-fees-rewards-api
  name: Unit Fees and Rewards API
  tags:
  - Fees
  - Rewards
  - Monetization
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.unit.co/docs/api/fees/overview/
  baseURL: https://api.s.unit.sh
  properties:
  - url: https://www.unit.co/docs/api/fees/overview/
    type: Documentation
  - url: https://www.unit.co/docs/api/fees/
    type: APIReference
  - url: openapi/unit-co-openapi.yml
    type: OpenAPI
  description: Create and reverse one-off Fees against a customer's account for
    activities not covered by Unit's native fee schedule, and create and list
    Rewards (cashback-style credits) paid into a customer's account.
- aid: unit-co:unit-co-api-tokens-api
  name: Unit API Tokens API
  tags:
  - API Tokens
  - Authentication
  - Org Tokens
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.unit.co/docs/tokens/
  baseURL: https://api.s.unit.sh
  properties:
  - url: https://www.unit.co/docs/tokens/
    type: Documentation
  - url: https://www.unit.co/docs/api/org-api-tokens/
    type: APIReference
  - url: openapi/unit-co-openapi.yml
    type: OpenAPI
  description: Issue and revoke org-level API tokens scoped to a Unit user, and
    create short-lived Customer API Tokens (plus SMS/email verification
    challenges) that let end users authenticate directly against Unit from a
    client application with reduced scope.
common:
- type: TrustCenter
  url: security/unit-co-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/unit-co-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/unit-co-domain-security.yml
- type: Authentication
  url: authentication/unit-co-authentication.yml
- type: GitHubOrganization
  url: https://github.com/unit-finance
- type: LinkedIn
  url: https://www.linkedin.com/company/unit-finance
- type: Website
  url: https://www.unit.co/
- type: Documentation
  url: https://www.unit.co/docs/api/
- type: Plans
  url: plans/unit-co-plans-pricing.yml
- type: RateLimits
  url: rate-limits/unit-co-rate-limits.yml
- type: FinOps
  url: finops/unit-co-finops.yml
- url: https://www.unit.co/blog/
  type: Blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com