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Overview

Introduction

Production Base URL

https://api.atomicfi.com

Sandbox Base URL

https://sandbox-api.atomicfi.com

Welcome to Atomic's developer documentation!

You'll find resources to help you integrate with Transact, our web app that handles the heavy-lifting of integration, as well as a number of RESTful API endpoints.

We've tried our best to make this documentation comprehensive and helpful. If you have suggestions or find issues, please let us know.

To get going quickly, we recommend using an API collaboration tool called Postman. You can use the button below to import our collection of endpoints. Be sure to set your apiUrl, apiKey, and apiSecret environment variables.

Authentication

Atomic uses a combination of API keys and access tokens to authenticate requests.

You can retrieve and manage your API keys in the Atomic Dashboard.

Your API keys carry many privileges, so be sure to keep them secure! Do not share your secret API keys in publicly accessible areas such as GitHub, client-side code, etc.

Errors

Our API returns standard HTTP success or error status codes. For errors, we will also include extra information about what went wrong encoded in the response as JSON. The various HTTP status codes we might return are listed below.

Code Title Description
200 OK The request was successful.
400 Bad Request The request was unacceptable.
401 Unauthorized Missing or invalid credentials.
404 Not Found The resource does not exist.
422 Validation error A validation error occurred.
50X Internal Server Error An error occurred with our API.

Products

Payroll Connect

Atomic's Payroll Connect products empower users to access and update their payroll data.

When users are authenticating with their payroll account, Atomic requires that the process be facilitated through Transact.

deposit

Update the destination bank account of paychecks

verify

Verify a user’s income and employment status.

identify

Reduce fraud and onboarding friction with verified profile data from a user’s employer.

Testing

To aid in testing various user experiences, you may use any of these pre-determined "test" credentials for employer authentication. Any password will work, as long as the username is found in this list. When answering MFA questions, any answer will be accepted. If the authentication requires an email, simply append @test.com to the end of the chosen username.

Username Test Case
test-good Test a successful authentication.
test-bad Test an unsuccessful authentication.
test-failure Test a failure that occurs after a successful authentication.
test-distribution-not-supported Test a failure that occurs due to an unsupported distribution configuration.
test-code-mfa Test an authentication that includes a device code based MFA flow.
test-question-mfa Test an authentication that includes a question-based MFA flow.

Transfer

Atomic's Transfer products facilitate the movement of assets and liabilities between financial institutions.

balance

Move a user’s credit card or loan balance to a new account.

Deployment options

Transact

Transact allows the user to easily choose the source of their transfer, while the destination is pre-configured during Access Token creation.

Atomic Dashboard

The Atomic Dashboard may be used to initiate a transfer, as well as monitor it's progress as it travels through various states of processing.

API

Atomic's API may be used to initiate a transfer by first creating an Access Token, and subsequently generating a Task. The status of the task may be monitored through webhooks and the Atomic Dashboard.

Testing

When testing balance, you may use 4111111111111111 as the origin account number. This will mimic a transfer.

Transact SDK

alt text

Atomic Transact SDK is a UI designed to securely handle interactions with our products, while performing the heavy-lifting of integration.

Integration

Initalize Transact via Javascript

Sandbox URL

<script src="https://cdn-sandbox.atomicfi.com/transact.js"></script>

Production URL

<script src="https://cdn.atomicfi.com/transact.js"></script>

const startTransact = () => {
    Atomic.transact({
        // Replace with the server-side generated `publicToken`
        publicToken: "PUBLIC_TOKEN",
        // Could be either 'balance', `verify`, `identify`, or 'deposit'
        product: "balance",
        // Optionally theme Transact
        theme: {
            brandColor: "#FF0000",
            overlayColor: "#000000",
        },
        // Optionally pass in fractional deposit settings
        distribution: {
            // Could be either 'total', 'fixed', or 'percent'
            type: "fixed",
            amount: 50,
            // Could be either 'create', 'update', or 'delete'
            action: "create",
        },
        // Optionally change the language. Could be either 'en' for English or 'es' for Spanish. Default is 'en'.
        language: "en",
        // Optionally pass data to Transact that will be returned to you in webhook events.
        metadata: {
            orderId: "123",
        },
        // Called when the user finishes the transaction
        onFinish: function (data) {
            // We recommend saving the `data` object which could be useful for support purposes
        },
        // Called when the user exits Transact prematurely
        onClose: function () {},
    });
};

// `startTransact` would typically be user-initiated, such as a button click or tap
startTransact();

An AccessToken is required to initialize Transact, and is generated server-side using your API key, and the publicToken from the response is returned to your client-side code.

Mobile & Web

Transact can be initialized by including our JavaScript SDK into your page, and then calling the Atomic.start method.

Within the context of a mobile app, we recommend loading Transact into a web view (for example, WKWebView on iOS) by building a simple self-hosted wrapper page. The URL used in the webview will be https://transact.atomicfi.com/initialize/BASE64_ENCODED_STRING. The BASE64 Encoded String is made up of an object containing the parameters used within the SDK (excluding onFinish and onClose).

Initialize Transact within a Webview

Sandbox URL

https://transact-sandbox.atomicfi.com/initialize/BASE64_ENCODED_STRING

Production URL

https://transact.atomicfi.com/initialize/BASE64_ENCODED_STRING

// Object to be BASE64 Encoded
{
    "publicToken": "PUBLIC_TOKEN",
    "product": "deposit",
    "theme": {
        "brandColor": "#1b1464",
        "overlayColor": "#CCCCCC"
    },
    "distribution": {
        "type": "fixed",
        "amount": 50,
        "action": "create"
    },
    "deeplink": {
        "step": "search-company"
    },
    "language": "en"
}

Here are examples for Swift (iOS), Kotlin (Android), React Native, and Flutter

Javascript SDK parameters

Attribute Description
publicToken
required
 The public token returned during AccessToken creation.
product
required
 The product to initiate. Valid values include balance deposit, verify, or identify.
inSdk Acceps a boolean. Default is true. When false close buttons and SDK Events are not broadcast.
theme Optionally, provide hex or rgb values to customize Transact.
theme.brandColor Accepts hex values. For example: #FF0000 or rgb(255, 255, 255). This property will mostly be applied to buttons.
theme.overlayColor Accepts hex values. For example: #000000 or rgb(0, 0, 0). This property will change the overlay background color. This overlay is mainly only seen when Transact is used on a Desktop.
deeplink Optionally, deeplink into a specific step.
deeplink.step
required
 Acceptable values: search-company, search-payroll, login-company or login-payroll. (If login-company, then the companyId is required. If login-payroll, then connectorId and companyName are required)
deeplink.companyId Required if the step is login-company. Accepts the ID of the company.
deeplink.connectorId Required if the step is login-payroll. Accepts the ID of the connector.
deeplink.companyName Required if the step is search-payroll or login-payroll. Accepts a string of the company name.
distribution Optionally pass in enforced deposit settings. Enforcing deposit settings will eliminate company search results that do not support the distribution settings.
distribution.type Can be total to indicate the remaining balance of their paycheck, fixed to indicate a specific dollar amount, or percent to indicate a percentage of their paycheck.
distribution.amount When distribution.type is fixed, it indicates the dollar amount to be used. When distribution.type is percent, it indicates the percentage of their paycheck. Not required if distribution.type is total.
distribution.action The operation to perform when updating the distribution. The default value is create which will add a new distribution. The value of update indicates an update to an existing distribution matched by the routing and account number. The value of delete removes a distribution matched by the routing and account number.
language Optionally pass in a language. Acceptable values: en for English and es for Spanish. Default value is en
linkedAccount Optionally pass the _id of a LinkedAccount. When used, Transact will immediately begin authenticating upon opening. This parameter is used when the LinkedAccount's transactRequired flag is set to true.
search Optionally, enforce search queries.
search.tags Filters companies by a specific tag. Possible values include gig-economy, payroll-provider, and unemployment.
search.excludedTags Exclude companies by a specific tag. Possible values include gig-economy, payroll-provider, and unemployment.
metadata Optionally pass data to Transact that will be returned to you in webhook events.
handoff Handoff allows views to be handled outside of Transact. In place of the view, corresponding SDK events will be emitted that allows apps to respond and handle these views. Accepts an array. The two string values available are exit-prompt, authentication-success, and high-latency. See Handoff Pages for more detail.
onFinish A function that is called when the user finishes the transaction. The function will receive a data, which contains the taskId object.
onClose Called when the user exits Transact prematurely.

Handoff Pages

Page Description
exit-prompt If the user has reached the login page and decides to exit, they are prompted with a view that asks them to confirm their exit. When exit-prompt is passed into the handoff array, users will no longer be presented with the exit confirmation. The atomic-transact-close event will be triggered in its place. The event will also send the following data: {handoff: 'exit-prompt'}
authentication-success When authentication is successful, the user is taken to the success view within Transact. When authentication-success is passed into the handoff array, users will no longer be taken to the success view. The atomic-transact-finish event will be triggered in its place. The event will also send the following data: {handoff: 'authentication-success'}
high-latency When authentication takes much longer than expected, the user is taken to the the high latency view within Transact. When high-latency is passed into the handoff array, users will no longer be taken to this view. The atomic-transact-close event will be triggered in its place. The event will also send the following data: {handoff: 'high-latency'}

Event Listeners

When using the SDK, events will be emitted and passed to the native application. Such events allow native applications to react and perform functions as needed. Some events will be passed with a data object with additional information.

Event Description
atomic-transact-close Triggered in several different instances.

1. If a user does not find their employer and payroll provider, the data passed with the event will be {reason: 'zero-search-results'}.

2. During the Transact process if a user is prompted to keep waiting or exit and they choose to exit, the data passed with the event will be {reason: 'task-pending'}.

3. At any point if the user clicks on the x the data passed with the event will be {reason: 'unknown'}
atomic-transact-finish Triggered when the user reaches the success screen and closes Transact
atomic-transact-open-url Triggered when external links are accessed. The data passed with the event will be {url: Full URL path}
atomic-transact-interaction Triggered on interactions within Transact. For example, when a user transitions to a news screen or presses the back button. The data passed with the event will be {name: NAME OF THE EVENT, value: OBJECT CONTAINING EVENT VALUES}.

Event Interactions

{
  name: "EVENT_NAME"
  value: {
    //Default property
    customer: "Atomic",
    //Default property. Possible values are 'en' or 'es'
    language: "en"
    //Default property. Possible values are 'deposit', 'verify', 'identify', or 'balance'
    product: "deposit"
    //Additional properties will be included based on the event that has occurred.
  }
}

Each event, by default, will have customer, product, and language in the value object. Some events have additional data.

Updated Events 7/21/2021

Pages

Name Description
Viewed Access Unauthorized Page User did not have a valid token
Viewed Authentication Failed Page User viewed the page indicating authentication failed
Viewed Authentication Paused Page User viewed the page indicating authentication paused
Viewed Authentication Success Page User viewed the page indicating authentication was successful
Viewed Distribution Confirmation Page User viewed the distribution confirmation page
Viewed Expired Token Page User has an expired token
Viewed Fixed Deposit Amount Page User viewed the fixed deposit amount page
Viewed Fractional Deposit Error Page User viewed the fractional deposit error page
Viewed High Latency Page User viewed the high latency page
Viewed Learn How You Are Protected Page User viewed the learn how you are protected page
Viewed Login Page User viewed the login page
Viewed Login Help Page User viewed the login help page
Viewed Login Recovery Page User viewed the login recovery page
Viewed Manual Deposit Instructions Page User viewed manual deposit instructions page
Viewed MFA Page User viewed the multi factor authentication page
Viewed Percentage Deposit Amount Page User viewed the percentage deposit amount page
Viewed Search By Company Page User viewed the search by company page
Viewed Search By Configurable Connector Page User viewed the search by configurable connector/payroll provider page
Viewed Search By Payroll Page User viewed the search by payroll page
Viewed Select From Deposit Options Page User viewed the select from deposit options page
Viewed Select From Multiple Accounts Page User viewed the select from multiple accounts page
Viewed Select From Multiple Payroll Providers Page User viwed the select from available payroll providers page
Viewed Terms And Conditions Are Required Page User viewed the terms and conditions required page
Viewed Terms And Conditions Page User viewed the terms and conditions page
Viewed Under Maintenance Page User viewed a company/payroll provider that is under maintenance
Viewed Welcome Page User viewed the welcome page

Other events

This includes a subset of our other events.

Name Description
Search By Company User has searched for a company/employer
Search By Payroll User has searched for a payroll provider

Old Events

These events will longer be sent after 9/1/2021

Name Description
back Back button pressed
step-initialize-welcome Welcome screen is initialized
step-initialize-deeplink-search-company User deeplinks to the company search
step-welcome User visits the Welcome screen
step-search-company User visits the Company Search screen
step-search-payroll User visits the Payroll Provider Search screen
step-company-uses User visits Company X uses Payroll Provider X screen
step-phone-verification User prompted to verify their phone number
step-phone-update User visits the Phone Update screen
step-unauthorized User is unauthorized
step-access-expired-token User is using an expired token
authentication-login User visits the Payroll Provider Login screen
authentication-login-help User visits the Forgot Credentials screen
authentication-mfa-step User is presented with Multi Factor Authentication (MFA)
authentication-success User completes the authentication process
authentication-error User receives an error during authentication
search User is searching an Company or Payroll Provider
select-company User selects a company (aka employer)
select-payroll User selects a payroll provider

Metadata

When initializing the Transact SDK or creating a Task using a Linked Account you can pass a metadata parameter. You can use this parameter to attach key-value data that will be returned in webhook events.

Metadata is useful for storing additional, structured information on a Task. As an example, you could store an order ID from your system to track your user's process with a direct deposit. Metadata is not used by Atomic and won't be seen by your users.

Do not store any sensitive information (bank account numbers, card details, etc.) as metadata.

Webhooks

Webhooks are a useful way to receive automated updates, and send timely notification to your user as a transaction progresses.

You can configure webhook endpoints via the Atomic Dashboard. Atomic will issue POST requests to the designated endpoint(s). We recommend using Request Bin as a way to inspect the payload of events during development without needing to stand up a server.

Securing webhooks

To validate a webhook request came from Atomic, we suggest verifying the payloads with the X-HMAC-Signature-Sha-256 header (which we pass with every request).

Header Description
X-HMAC-Signature-Sha-256 A SHA1 HMAC hexdigest computed with your API secret and the raw body of the request.

Event object

Sample

{
    "eventType": "task-status-updated",
    "eventTime": "2020-01-28T22:04:18.778Z",
    "publicToken": "PUBLIC_TOKEN",
    "product": "deposit",
    "user": {
        "_id": "5d8d3fecbf637ef3b11a877a",
        "identifier": "YOUR_INTERNAL_GUID"
    },
    "company": {
        "_id": "5d9a3fecbf637ef3b11ab442",
        "name": "Home Depot",
        "branding": {
            "logo": {
                "url": "https://atomicfi-public-production.s3.amazonaws.com/979115f4-34a0-44f5-901e-753a33337444_atomic-logo-dark.png"
            }
        }
    },
    "metadata": {
        "orderId": "123"
    },
    "task": "5e30afde097146a8fc3d5cec",
    "data": {
        "previousStatus": "processing",
        "status": "completed",
        "distributionType": "fixed",
        "distributionAmount": 25
    }
}
Attribute Description
eventType Webhook event type for a task status change or authentication status change. Value will be one of the following values:
Value/Description
task-status-updated
Signifies an update to the task status. For example processing to failed or processing to completed.
task-status-patched
Signifies a patch to a task's final status. For example, a task's status is reversed from completed to a status of failed.
task-authentication-status-updated
Signifies that an update to the authentication status. For example if authentication updates to true or false.
eventTime The date and time of the event creation.
publicToken Public AccessToken used when initializing the Transact SDK
user Object containing _id and identifier. Identifier will be your internal GUID.
company Object containing _id, name, and branding.
metadata Object containing the metadata transmitted to Atomic during Transact initialization or using a Linked Account.
task Contains the task ID.
data Payload object containing reason, previousStatus, status, and distributionType(if applicable), distributionAmount(if applicable), amount(if applicable), and outputs(Outputs will differ depending on the product).

Event types

This is a list of all the types of events we currently send. We may add more at any time, so you shouldn't rely on only these types existing in your code.

Each event object includes a data property which contains unique data points for each type of event. Each event type below describes these unique data points.

Task status updated

Example task-status-updated event

{
    "_id": "5c1821dbc6b7baf3435e1d23",
    "eventType": "task-status-updated",
    "eventTime": "2021-01-13T19:43:26.097Z",
    "product": "deposit",
    "user": {
        "_id": "5c17c632e1d8ca3b08b2586f",
        "identifier": "YOUR_UNIQUE_GUID"
    },
    "company": {
        "name": "Home Depot",
        "branding": {
            "logo": {
                "url": "https://atomicfi-public-production.s3.amazonaws.com/979115f4-34a0-44f5-901e-753a33337444_atomic-logo-dark.png"
            }
        }
    },
    "task": "5d97e4abc90a0a0007993e9c",
    "data": {
        "previousStatus": "processing",
        "status": "completed",
        "distributionType": "fixed",
        "distributionAmount": 25
    }
}

The status of a Task was changed. Possible statuses include:

Status Description
processing The task has started processing.
failed The task failed to process.
completed The task completed successfully.

Task authentication status updated

Example task-authentication-status-updated event

{
    "_id": "5c1821dbc6b7baf3435e1d23",
    "eventType": "task-authentication-status-updated",
    "eventTime": "2021-01-13T19:43:26.097Z",
    "product": "deposit",
    "user": {
        "_id": "5c17c632e1d8ca3b08b2586f",
        "identifier": "YOUR_UNIQUE_GUID"
    },
    "company": {
        "name": "Home Depot",
        "branding": {
            "logo": {
                "url": "https://atomicfi-public-production.s3.amazonaws.com/979115f4-34a0-44f5-901e-753a33337444_atomic-logo-dark.png"
            }
        }
    },
    "task": "5d97e4abc90a0a0007993e9c",
    "data": {
        "authenticated": true
    }
}

The authentication status of a Task was updated. Possible authenticated statuses include:

Status Description
true The task authenticated successfully.
false The task failed to authenticate.

Task status patched

Example task-status-patched event

{
    "_id": "5c1821dbc6b7baf3435e1d23",
    "eventType": "task-status-patched",
    "eventTime": "2021-01-13T19:43:26.097Z",
    "product": "deposit",
    "user": {
        "_id": "5c17c632e1d8ca3b08b2586f",
        "identifier": "YOUR_UNIQUE_GUID"
    },
    "company": {
        "name": "Home Depot",
        "branding": {
            "logo": {
                "url": "https://atomicfi-public-production.s3.amazonaws.com/979115f4-34a0-44f5-901e-753a33337444_atomic-logo-dark.png"
            }
        }
    },
    "task": "5d97e4abc90a0a0007993e9c",
    "data": {
        "previousStatus": "failed",
        "status": "completed",
        "distributionType": "fixed",
        "distributionAmount": 25
    }
}

The status of a Task was patched. Possible statuses include:

Status Description
failed The task failed to process.
completed The task completed successfully.

Outputs

Sample response for verify

{
    "task": "60abefde8a4445000956e30a",
    "company": {
        "branding": {
            "logo": {
                "url": "https://cdn-public.atomicfi.com/979115f4-34a0-44f5-901e-753a33337444_atomic-logo-dark.png"
            }
        },
        "name": "Mocky"
    },
    "product": "verify",
    "publicToken": "0cbb06d9-1610-4fa6-ae04-230e9ac3a60d",
    "user": {
        "_id": "5ebc3977cb64830007f48ca4",
        "identifier": "YOUR_INTERNAL_GUID"
    },
    "data": {
        "previousStatus": "processing",
        "status": "completed",
        "authenticated": true,
        "outputs": {
            "w2s": [
                {
                    "_id": "60abeff60836730008616fb2",
                    "year": "2020-01-01T00:00:00.000Z",
                    "totalWages": 50000,
                    "form": {
                        "_id": "60abeff60836730008616faf",
                        "url": "https://atomicfi-task-output-file-sandbox.s3.amazonaws.com/customer-5e978dcf3abbf90008a00b7a/task-60abefde8a4445000956e30a/62ca2574-21d2-4151-a171-bffebf80ab1c.pdf?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=ASIA6EYFQTOWMIY2TUSM%2F20210524%2Fus-east-1%2Fs3%2Faws4_request&X-Amz-Date=20210524T182709Z&X-Amz-Expires=3600&X-Amz-Security-Token=IQoJb3JpZ2luX2VjEFsaCXVzLWVhc3QtMSJGMEQCIBCAiYKuUVIYjCFolA%2Feeu%2BDu%2FNtlADYOOX7Uy09CVWuAiAT1umLzk5Xbs6vANPMFS9sRWWyLIRWfmZXbCLtXeW5QCrnAQj0%2F%2F%2F%2F%2F%2F%2F%2F%2F%2F8BEAIaDDk3MjI4NDc5NTgyMCIMssXdL%2FxgLWwt8%2BgnKrsB4jVv4rWWhviSPha5qwh1WPasjt%2FhLKr4dRI9%2FgUSQercXwg37%2FYjdK3%2BcVrvEgfnYkhw3U5YHUc9Aja4baMLONbQemmcZ5%2FI0ehwlkcTDdDspTHXDPacceD%2BcHBkczNZvgzp6j6RfZRiynhZVVBTWnSzJfhzmLkAR4uq8%2BaeCdA7chTGCuBxx3BbhUAAeEcPHS2c8t6mqsuwkPlqgSiFb%2FoGxisqRAZRCtIfNEHNiTHXpR8oFGVqjeLuBDDk36%2BFBjrhATRrp5dhRdXu5VgYUpRXrIFqg8FU5J8iDvAZT6WTzC60djT4cuGKUebJmnpF%2BJbzJ0NAHDnAXylnE%2F5UpHBjwKMZtgouvvHsgxYWIWddTQWP1ihySIaZuAotqjYSjLhBsIKpznabeWoWW5Zu5VJOcb1pfyzBYJVv7JQAxKglgR6L5y3cNuLRrs2cnNMmYKVGcitUd9roccBGhMh5ph3ChaLadrxEJPiyHOtIZcDRTDZDrMvTvLP1GCXtbirK8LDNWRs6KS2ldx4nHTirXGyUPO2k6MZJxImiXJCmShcmLP1XKg%3D%3D&X-Amz-Signature=1592e0c681cbba2f2c8e812a75f18bc4af238231cd9f76ad2994bad9d9eee026&X-Amz-SignedHeaders=host"
                    }
                },
                {
                    "_id": "60abeff60836730008616fb3",
                    "year": "2019-01-01T00:00:00.000Z",
                    "totalWages": 50000,
                    "form": {
                        "_id": "60abeff50836730008616faa",
                        "url": "https://atomicfi-task-output-file-sandbox.s3.amazonaws.com/customer-5e978dcf3abbf90008a00b7a/task-60abefde8a4445000956e30a/587c09a2-1b05-47ee-9ea7-fb49d587119f.pdf?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=ASIA6EYFQTOWMIY2TUSM%2F20210524%2Fus-east-1%2Fs3%2Faws4_request&X-Amz-Date=20210524T182709Z&X-Amz-Expires=3600&X-Amz-Security-Token=IQoJb3JpZ2luX2VjEFsaCXVzLWVhc3QtMSJGMEQCIBCAiYKuUVIYjCFolA%2Feeu%2BDu%2FNtlADYOOX7Uy09CVWuAiAT1umLzk5Xbs6vANPMFS9sRWWyLIRWfmZXbCLtXeW5QCrnAQj0%2F%2F%2F%2F%2F%2F%2F%2F%2F%2F8BEAIaDDk3MjI4NDc5NTgyMCIMssXdL%2FxgLWwt8%2BgnKrsB4jVv4rWWhviSPha5qwh1WPasjt%2FhLKr4dRI9%2FgUSQercXwg37%2FYjdK3%2BcVrvEgfnYkhw3U5YHUc9Aja4baMLONbQemmcZ5%2FI0ehwlkcTDdDspTHXDPacceD%2BcHBkczNZvgzp6j6RfZRiynhZVVBTWnSzJfhzmLkAR4uq8%2BaeCdA7chTGCuBxx3BbhUAAeEcPHS2c8t6mqsuwkPlqgSiFb%2FoGxisqRAZRCtIfNEHNiTHXpR8oFGVqjeLuBDDk36%2BFBjrhATRrp5dhRdXu5VgYUpRXrIFqg8FU5J8iDvAZT6WTzC60djT4cuGKUebJmnpF%2BJbzJ0NAHDnAXylnE%2F5UpHBjwKMZtgouvvHsgxYWIWddTQWP1ihySIaZuAotqjYSjLhBsIKpznabeWoWW5Zu5VJOcb1pfyzBYJVv7JQAxKglgR6L5y3cNuLRrs2cnNMmYKVGcitUd9roccBGhMh5ph3ChaLadrxEJPiyHOtIZcDRTDZDrMvTvLP1GCXtbirK8LDNWRs6KS2ldx4nHTirXGyUPO2k6MZJxImiXJCmShcmLP1XKg%3D%3D&X-Amz-Signature=6f4e330438cb12c5cc7226342377b7bb610691c74f8def6d56b7b7c4db455988&X-Amz-SignedHeaders=host"
                    }
                }
            ],
            "statements": [
                {
                    "_id": "60abeff60836730008616fb4",
                    "date": "2020-06-15T12:00:00.000Z",
                    "grossAmount": 1000,
                    "paystub": {
                        "_id": "60abeff50836730008616fad",
                        "url": "https://atomicfi-task-output-file-sandbox.s3.amazonaws.com/customer-5e978dcf3abbf90008a00b7a/task-60abefde8a4445000956e30a/a4ac9f90-902c-4ae4-8008-95f7ffff2159.pdf?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=ASIA6EYFQTOWMIY2TUSM%2F20210524%2Fus-east-1%2Fs3%2Faws4_request&X-Amz-Date=20210524T182709Z&X-Amz-Expires=3600&X-Amz-Security-Token=IQoJb3JpZ2luX2VjEFsaCXVzLWVhc3QtMSJGMEQCIBCAiYKuUVIYjCFolA%2Feeu%2BDu%2FNtlADYOOX7Uy09CVWuAiAT1umLzk5Xbs6vANPMFS9sRWWyLIRWfmZXbCLtXeW5QCrnAQj0%2F%2F%2F%2F%2F%2F%2F%2F%2F%2F8BEAIaDDk3MjI4NDc5NTgyMCIMssXdL%2FxgLWwt8%2BgnKrsB4jVv4rWWhviSPha5qwh1WPasjt%2FhLKr4dRI9%2FgUSQercXwg37%2FYjdK3%2BcVrvEgfnYkhw3U5YHUc9Aja4baMLONbQemmcZ5%2FI0ehwlkcTDdDspTHXDPacceD%2BcHBkczNZvgzp6j6RfZRiynhZVVBTWnSzJfhzmLkAR4uq8%2BaeCdA7chTGCuBxx3BbhUAAeEcPHS2c8t6mqsuwkPlqgSiFb%2FoGxisqRAZRCtIfNEHNiTHXpR8oFGVqjeLuBDDk36%2BFBjrhATRrp5dhRdXu5VgYUpRXrIFqg8FU5J8iDvAZT6WTzC60djT4cuGKUebJmnpF%2BJbzJ0NAHDnAXylnE%2F5UpHBjwKMZtgouvvHsgxYWIWddTQWP1ihySIaZuAotqjYSjLhBsIKpznabeWoWW5Zu5VJOcb1pfyzBYJVv7JQAxKglgR6L5y3cNuLRrs2cnNMmYKVGcitUd9roccBGhMh5ph3ChaLadrxEJPiyHOtIZcDRTDZDrMvTvLP1GCXtbirK8LDNWRs6KS2ldx4nHTirXGyUPO2k6MZJxImiXJCmShcmLP1XKg%3D%3D&X-Amz-Signature=8181652f0d8af4ab7d3cf3e2aab8cdf563384134acdd4fa709e21edb805287b4&X-Amz-SignedHeaders=host"
                    }
                },
                {
                    "_id": "60abeff60836730008616fb5",
                    "date": "2020-06-30T12:00:00.000Z",
                    "grossAmount": 1000,
                    "paystub": {
                        "_id": "60abeff50836730008616fae",
                        "url": "https://atomicfi-task-output-file-sandbox.s3.amazonaws.com/customer-5e978dcf3abbf90008a00b7a/task-60abefde8a4445000956e30a/4ba670fe-378e-4228-a6df-d0708b73e5fa.pdf?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=ASIA6EYFQTOWMIY2TUSM%2F20210524%2Fus-east-1%2Fs3%2Faws4_request&X-Amz-Date=20210524T182709Z&X-Amz-Expires=3600&X-Amz-Security-Token=IQoJb3JpZ2luX2VjEFsaCXVzLWVhc3QtMSJGMEQCIBCAiYKuUVIYjCFolA%2Feeu%2BDu%2FNtlADYOOX7Uy09CVWuAiAT1umLzk5Xbs6vANPMFS9sRWWyLIRWfmZXbCLtXeW5QCrnAQj0%2F%2F%2F%2F%2F%2F%2F%2F%2F%2F8BEAIaDDk3MjI4NDc5NTgyMCIMssXdL%2FxgLWwt8%2BgnKrsB4jVv4rWWhviSPha5qwh1WPasjt%2FhLKr4dRI9%2FgUSQercXwg37%2FYjdK3%2BcVrvEgfnYkhw3U5YHUc9Aja4baMLONbQemmcZ5%2FI0ehwlkcTDdDspTHXDPacceD%2BcHBkczNZvgzp6j6RfZRiynhZVVBTWnSzJfhzmLkAR4uq8%2BaeCdA7chTGCuBxx3BbhUAAeEcPHS2c8t6mqsuwkPlqgSiFb%2FoGxisqRAZRCtIfNEHNiTHXpR8oFGVqjeLuBDDk36%2BFBjrhATRrp5dhRdXu5VgYUpRXrIFqg8FU5J8iDvAZT6WTzC60djT4cuGKUebJmnpF%2BJbzJ0NAHDnAXylnE%2F5UpHBjwKMZtgouvvHsgxYWIWddTQWP1ihySIaZuAotqjYSjLhBsIKpznabeWoWW5Zu5VJOcb1pfyzBYJVv7JQAxKglgR6L5y3cNuLRrs2cnNMmYKVGcitUd9roccBGhMh5ph3ChaLadrxEJPiyHOtIZcDRTDZDrMvTvLP1GCXtbirK8LDNWRs6KS2ldx4nHTirXGyUPO2k6MZJxImiXJCmShcmLP1XKg%3D%3D&X-Amz-Signature=5fcf0eaca8c461eb3e1479ca15e23931ab0c9ed9e38eed3bb1292dffeb436a91&X-Amz-SignedHeaders=host"
                    }
                }
            ],
            "accounts": [
                {
                    "_id": "60abeff60836730008616fb0",
                    "routingNumber": "123123123",
                    "accountNumber": "XXXX0000",
                    "type": "checking",
                    "distributionType": "percentage",
                    "distributionAmount": 80
                },
                {
                    "_id": "60abeff60836730008616fb1",
                    "routingNumber": "456456456",
                    "accountNumber": "XXXX1111",
                    "type": "savings",
                    "distributionType": "percentage",
                    "distributionAmount": 20
                }
            ],
            "employeeType": "fulltime",
            "employmentStatus": "active",
            "income": 45000,
            "incomeType": "Biweekly",
            "jobTitle": "Product Manager",
            "startDate": "2017-04-19T12:00:00.000Z",
            "address": "123 Street St.",
            "city": "Provo",
            "dateOfBirth": "1984-04-12T12:00:00.000Z",
            "email": "jappleseed@example.org",
            "firstName": "Jane",
            "lastName": "Appleseed",
            "phone": "8015551111",
            "postalCode": 84606,
            "ssn": "1112223333",
            "state": "UT",
            "weeklyHours": "40",
            "payCycle": "weekly",
            "employer": "ABC Company"
        }
    },
    "eventType": "task-status-updated",
    "eventTime": "2021-05-24T18:27:09.610Z"
}

Outputs for the verify product

Attribute Description
income Employee's income, represented as a number.
incomeType Employee's income type. Possible values are yearly, monthly, weekly, daily, and hourly.
employeeType Employee type. Possible values are parttime and fulltime.
employmentStatus Employment status. Possible values are active and terminated.
jobTitle Employee's job title.
startDate Employee's hire date.
weeklyHours Number of hours worked per week.
payCycle Payment period. Possible values are monthly, semimonthly, biweekly, and weekly.
statements An array of statements.
accounts An array of bank accounts on file for paycheck distributions.
w2s An array of w2s.

Nested object properties

Statement

Sample statement

{
    "date": "2020-01-01T00:00:00.000Z",
    "grossAmount": "1266.11",
    "netAmount": "1014.29",
    "paymentMethod": "deposit",
    "paystub": {
        "_id": "602414d84f9a1980cf5eafcc",
        "url": "https://private-bucket.s3.amazonaws.com/5e978dcf3abbf90008a00b7a/602414d84f9a1980cf5eafcc/7773bc56-71b0-40a1-bbed-03d7b1434850.pdf?Expires=1612991865&Signature=jwSGIZEnOsNJrrQaUhLRnaNg5uQ%3D"
    },
    "hours": "32"
}
Properties
Name Type Description
date
required
 string Date of the deposit.
grossAmount string Gross dollar amount of the deposit.
netAmount string Net dollar amount of the deposit.
paymentMethod string Method used for the payment. Possible values include deposit or check
paystub string An object containing fileds of _id and url. The url field can be used to download a PDF and is valid for 1 hour. If the url expires, you can get a new one using the generate file url endpoint.
hours number Hours worked within the pay period.

Deposit account

Sample deposit account

{
    "accountNumber": "220000000",
    "routingNumber": "110000000",
    "type": "checking",
    "distributionType": "percent",
    "distributionAmount": "75"
}
Properties
Name Type Description
accountNumber
required
 string Account number.
routingNumber string When account the account is bank account, this is the ABA routing number.
type string Type of account. Possible values include checking or savings
distributionType string The type of distribution for the account. Possible values include total, percent, or fixed..
distributionAmount number The amount being distributed to the account. When distributionType is percent, the number represents a percentage of the total pay. When distributionType is fixed, this number represents a fixed dollar amount. This value is not set when distributionType is total.

W2

Sample W2

{
    "totalWages": "23226.8",
    "year": "2019",
    "form": {
        "_id": "3046cb8222cb33122dbcb65c",
        "url": "https://private-bucket.s3.amazonaws.com/5e978dcf3abbf90008a00b7a/602414d84f9a1980cf5eafcc/7773bc56-71b0-40a1-bbed-03d7b1434850.pdf?Expires=1612991865&Signature=jwSGIZEnOsNJrrQaUhLRnaNg5uQ%3D"
    }
}
Properties
Name Type Description
totalWages number Wages, tips and other compensation. Box 1 of the W2 form.
year string The tax year
form object An object containing fileds of _id and url. The url field can be used to download a PDF and is valid for 1 hour. If the url expires, you can get a new one using the generate file url endpoint.

Sample response for identify

{
    "eventType": "task-status-updated",
    "eventTime": "2020-01-28T22:04:18.778Z",
    "product": "identify",
    "user": {
        "_id": "5d8d3fecbf637ef3b11a877a",
        "identifier": "YOUR_INTERNAL_GUID"
    },
    "task": "5e30afde097146a8fc3d5cec",
    "data": {
        "previousStatus": "processing",
        "status": "completed",
        "outputs": {
            "firstName": "Jane",
            "lastName": "Appleseed",
            "dateOfBirth": "6/4/98",
            "email": "jane@doe.com",
            "phone": "5558881111",
            "ssn": "111223333",
            "address": "123 Example St.",
            "city": "Salt Lake City",
            "state": "UT",
            "postalCode": "84111"
        }
    }
}

Outputs for the identify product

Attribute Description
firstName First name.
lastName Last name.
dateOfBirth Date of birth.
email Email address.
phone Phone number.
ssn Social security number.
address Address street address.
city Address city.
state Address state.
postalCode Address postal code.

Fail Reasons

Attribute Description
account-lockout The account is locked out, most likely you have too many failed attempts.
account-setup-incomplete The user's account setup is not complete and will require additional information from the user.
bad-credentials Either the username or password was incorrect.
connection-error A network error occurred.
distribution-not-supported The account did not support the distribution, e.g. they requested to add an account for a percentage of their paycheck, but can only do fixed amounts and remainder/net balance.
enrolled-in-paycard The user is enrolled in a paycard program instead of direct deposit via their bank.
product-not-supported The account did not support the product.
routing-number-not-supported The account did not support the routing number entered.
session-timeout The session timed out.
system-unavailable The system was unavailable, e.g. the site is undergoing maintenance or it is outside the window of scheduled availability for the site.
unknown-failure We encountered an unexpected error.
user-abandon The user was asked an MFA question, but did not answer the question.

API Reference

Create Access Token

Code samples

# You can also use wget
curl --location --request POST "https://api.atomicfi.com/access-token" \
  --header "Content-Type: application/json" \
  --header "x-api-key: f0d0a166-96de-4898-8879-da309801968b" \
  --header "x-api-secret: afcce08f-95bd-4317-9119-ecb8debae4f2" \
  --data "{
	\"identifier\": \"YOUR_INTERNAL_GUID\",
	\"phone\": \"8016554444\",
	\"email\": \"jdoe@example.org\",
	\"names\": [
		{
			\"firstName\": \"Jane\",
			\"lastName\": \"Doe\"
		}
	],
	\"addresses\": [
		{
			\"line1\": \"123 Atomic Ave.\",
			\"line2\": \"Apt. #1\",
			\"city\": \"Salt Lake City\",
			\"state\": \"UT\",
			\"zipcode\": \"84044\",
			\"country\": \"US\"
		}
	],
	\"accounts\": [
		{
			\"accountNumber\": \"220000000\",
			\"routingNumber\": \"110000000\",
			\"type\": \"checking\",
			\"title\": \"Premier Plus Checking\"
		}
	]
}"


var https = require('https');

var options = {
  'method': 'POST',
  'hostname': 'https://api.atomicfi.com',
  'path': '/access-token',
  'headers': {
    'Content-Type': 'application/json',
    'x-api-key': 'f0d0a166-96de-4898-8879-da309801968b',
    'x-api-secret': 'afcce08f-95bd-4317-9119-ecb8debae4f2'
  }
};

var req = https.request(options, function (res) {
  var chunks = [];

  res.on("data", function (chunk) {
    chunks.push(chunk);
  });

  res.on("end", function (chunk) {
    var body = Buffer.concat(chunks);
    console.log(body.toString());
  });

  res.on("error", function (error) {
    console.error(error);
  });
});

var postData =  "{\n\t\"identifier\": \"YOUR_INTERNAL_GUID\",\n\t\"phone\": \"8016554444\",\n\t\"email\": \"jdoe@example.org\",\n\t\"names\": [\n\t\t{\n\t\t\t\"firstName\": \"Jane\",\n\t\t\t\"lastName\": \"Doe\"\n\t\t}\n\t],\n\t\"addresses\": [\n\t\t{\n\t\t\t\"line1\": \"123 Atomic Ave.\",\n\t\t\t\"line2\": \"Apt. #1\",\n\t\t\t\"city\": \"Salt Lake City\",\n\t\t\t\"state\": \"UT\",\n\t\t\t\"zipcode\": \"84044\",\n\t\t\t\"country\": \"US\"\n\t\t}\n\t],\n\t\"accounts\": [\n\t\t{\n\t\t\t\"accountNumber\": \"220000000\",\n\t\t\t\"routingNumber\": \"110000000\",\n\t\t\t\"type\": \"checking\",\n\t\t\t\"title\": \"Premier Plus Checking\"\n\t\t}\n\t]\n}";

req.write(postData);

req.end();


require "uri"
require "net/http"

url = URI("https://api.atomicfi.com/access-token")

http = Net::HTTP.new(url.host, url.port)

request = Net::HTTP::Post.new(url)
request["Content-Type"] = "application/json"
request["x-api-key"] = "f0d0a166-96de-4898-8879-da309801968b"
request["x-api-secret"] = "afcce08f-95bd-4317-9119-ecb8debae4f2"
request.body = "{\n\t\"identifier\": \"YOUR_INTERNAL_GUID\",\n\t\"phone\": \"8016554444\",\n\t\"email\": \"jdoe@example.org\",\n\t\"names\": [\n\t\t{\n\t\t\t\"firstName\": \"Jane\",\n\t\t\t\"lastName\": \"Doe\"\n\t\t}\n\t],\n\t\"addresses\": [\n\t\t{\n\t\t\t\"line1\": \"123 Atomic Ave.\",\n\t\t\t\"line2\": \"Apt. #1\",\n\t\t\t\"city\": \"Salt Lake City\",\n\t\t\t\"state\": \"UT\",\n\t\t\t\"zipcode\": \"84044\",\n\t\t\t\"country\": \"US\"\n\t\t}\n\t],\n\t\"accounts\": [\n\t\t{\n\t\t\t\"accountNumber\": \"220000000\",\n\t\t\t\"routingNumber\": \"110000000\",\n\t\t\t\"type\": \"checking\",\n\t\t\t\"title\": \"Premier Plus Checking\"\n\t\t}\n\t]\n}"

response = http.request(request)
puts response.read_body



import requests
url = 'https://api.atomicfi.com/access-token'
payload = "{\n\t\"identifier\": \"YOUR_INTERNAL_GUID\",\n\t\"phone\": \"8016554444\",\n\t\"email\": \"jdoe@example.org\",\n\t\"names\": [\n\t\t{\n\t\t\t\"firstName\": \"Jane\",\n\t\t\t\"lastName\": \"Doe\"\n\t\t}\n\t],\n\t\"addresses\": [\n\t\t{\n\t\t\t\"line1\": \"123 Atomic Ave.\",\n\t\t\t\"line2\": \"Apt. #1\",\n\t\t\t\"city\": \"Salt Lake City\",\n\t\t\t\"state\": \"UT\",\n\t\t\t\"zipcode\": \"84044\",\n\t\t\t\"country\": \"US\"\n\t\t}\n\t],\n\t\"accounts\": [\n\t\t{\n\t\t\t\"accountNumber\": \"220000000\",\n\t\t\t\"routingNumber\": \"110000000\",\n\t\t\t\"type\": \"checking\",\n\t\t\t\"title\": \"Premier Plus Checking\"\n\t\t}\n\t]\n}"
headers = {
  'Content-Type': 'application/json',
  'x-api-key': 'f0d0a166-96de-4898-8879-da309801968b',
  'x-api-secret': 'afcce08f-95bd-4317-9119-ecb8debae4f2'
}
response = requests.request('POST', url, headers = headers, data = payload, allow_redirects=False, timeout=undefined, allow_redirects=false)
print(response.text)

package main

import (
  "fmt"
  "strings"
  "os"
  "path/filepath"
  "net/http"
  "io/ioutil"
)

func main() {

  url := "https://api.atomicfi.com/access-token"
  method := "POST"

  payload := strings.NewReader("{\n	\"identifier\": \"YOUR_INTERNAL_GUID\",\n	\"phone\": \"8016554444\",\n	\"email\": \"jdoe@example.org\",\n	\"names\": [\n		{\n			\"firstName\": \"Jane\",\n			\"lastName\": \"Doe\"\n		}\n	],\n	\"addresses\": [\n		{\n			\"line1\": \"123 Atomic Ave.\",\n			\"line2\": \"Apt. #1\",\n			\"city\": \"Salt Lake City\",\n			\"state\": \"UT\",\n			\"zipcode\": \"84044\",\n			\"country\": \"US\"\n		}\n	],\n	\"accounts\": [\n		{\n			\"accountNumber\": \"220000000\",\n			\"routingNumber\": \"110000000\",\n			\"type\": \"checking\",\n			\"title\": \"Premier Plus Checking\"\n		}\n	]\n}")

  client := &http.Client {
    CheckRedirect: func(req *http.Request, via []*http.Request) error {
      return http.ErrUseLastResponse
    },
  }
  req, err := http.NewRequest(method, url, payload)

  if err != nil {
    fmt.Println(err)
  }
  req.Header.Add("Content-Type", "application/json")
  req.Header.Add("x-api-key", "f0d0a166-96de-4898-8879-da309801968b")
  req.Header.Add("x-api-secret", "afcce08f-95bd-4317-9119-ecb8debae4f2")

  res, err := client.Do(req)
  defer res.Body.Close()
  body, err := ioutil.ReadAll(res.Body)

  fmt.Println(string(body))
}

Example request

{
    "identifier": "YOUR_INTERNAL_GUID",
    "phone": "8016554444",
    "email": "jdoe@example.org",
    "names": [
        {
            "firstName": "Jane",
            "lastName": "Doe"
        }
    ],
    "addresses": [
        {
            "line1": "123 Atomic Ave.",
            "line2": "Apt. #1",
            "city": "Salt Lake City",
            "state": "UT",
            "zipcode": "84044",
            "country": "US"
        }
    ],
    "accounts": [
        {
            "accountNumber": "220000000",
            "routingNumber": "110000000",
            "type": "checking",
            "title": "Premier Plus Checking"
        }
    ]
}

An AccessToken grants access to Atomic's API resources for a specific user.

HTTP Request

POST /access-token

Authentication headers

Name Description
x-api-key API Key for your Atomic account
x-api-secret API Secret for your Atomic account

Request properties

Name Type Description
identifier
required
 string A unique identifier (GUID) from your system that will be used to reference this user.
accounts
required
 [Account] An array of bank and/or credit card accounts. At least one bank account is required for an Deposit transaction, and at least one card account is required for an Transfer transaction.
names [Name] Account holder names, for reference.
addresses [Address] Account holder addresses, for reference.

Nested object properties

Account

Bank account example

{
    "accountNumber": "220000000",
    "routingNumber": "110000000",
    "type": "checking",
    "title": "Premier Plus Checking"
}

Card account example

{
    "accountNumber": "4111111111111111",
    "title": "ABC Bank Platinum Card",
    "type": "card",
    "transferLimit": "50000"
}
Properties
Name Type Description
accountNumber
required
 string Account number.
routingNumber string When account the account is bank account, this is the ABA routing number.
type
required
 string Type of account. Possible values include card, checking, or savings. This field is required for creating an access token.
title string A friendly name for the account that could be shown to the user.
transferLimit string A balance transfer limit (in dollars) that may be optionally imposed when executing an Transfer transaction.

Name

Name example

{
    "firstName": "Jane",
    "lastName": "Doe"
}
Properties
Name Type Description
firstName string First name of account holder.
lastName string Last name of account holder.

Address

Address example

{
    "line1": "123 Atomic Ave.",
    "line2": "Apt. #1",
    "city": "Salt Lake City",
    "state": "UT",
    "zipcode": "84044",
    "country": "US"
}
Properties
Name Type Description
line1 string First line of address.
line2 string Second line of address .
city string State of address.
state string Second line of address
zipcode string 5-digit zipcode.
country string Country of address.

Response

Example response

{
    "data": {
        "publicToken": "6e93549e-3571-4f57-b0f7-77b7cb0b5e48",
        "token": "c00f869e-0fce-4d32-9277-a68658578ba2"
    }
}

Successfully creating an Access Token will return a payload with a data object containing both a public publicToken and a private token. The publicToken may be used to initialize the Transact SDK.

Response Properties

Name Type Description
publicToken string Public AccessToken that can be used to initialize Transact SDK.
token string Private token that should be kept secret.

List Linked Accounts

Code samples

curl --location --request GET "https://api.atomicfi.com/linked-account/list/{identifier}" \
  --header "x-api-key: f0d0a166-96de-4898-8879-da309801968b" \
  --header "x-api-secret: afcce08f-95bd-4317-9119-ecb8debae4f2" \

var https = require('https');

var options = {
  'method': 'GET',
  'hostname': 'https://api.atomicfi.com',
  'path': '/linked-account/list/{identifier}',
  'headers': {
    'x-api-key': 'f0d0a166-96de-4898-8879-da309801968b',
    'x-api-secret': 'afcce08f-95bd-4317-9119-ecb8debae4f2'
  }
};

var req = https.request(options, function (res) {
  var chunks = [];

  res.on("data", function (chunk) {
    chunks.push(chunk);
  });

  res.on("end", function (chunk) {
    var body = Buffer.concat(chunks);
    console.log(body.toString());
  });

  res.on("error", function (error) {
    console.error(error);
  });
});

req.end();


require "uri"
require "net/http"

url = URI("https://api.atomicfi.com/linked-account/list/{identifier}")

http = Net::HTTP.new(url.host, url.port)

request = Net::HTTP::Get.new(url)
request["x-api-key"] = "f0d0a166-96de-4898-8879-da309801968b"
request["x-api-secret"] = "afcce08f-95bd-4317-9119-ecb8debae4f2"

response = http.request(request)
puts response.read_body



import requests
url = 'https://api.atomicfi.com/linked-account/list/{identifier}'
payload = {}
headers = {
  'x-api-key': 'f0d0a166-96de-4898-8879-da309801968b',
  'x-api-secret': 'afcce08f-95bd-4317-9119-ecb8debae4f2'
}
response = requests.request('GET', url, headers = headers, data = payload, allow_redirects=False, timeout=undefined, allow_redirects=false)
print(response.text)



package main

import (
  "fmt"
  "os"
  "path/filepath"
  "net/http"
  "io/ioutil"
)

func main() {

  url := "https://api.atomicfi.com/linked-account/list/{identifier}"
  method := "GET"

  client := &http.Client {
    CheckRedirect: func(req *http.Request, via []*http.Request) error {
      return http.ErrUseLastResponse
    },
  }
  req, err := http.NewRequest(method, url, nil)

  if err != nil {
    fmt.Println(err)
  }
  req.Header.Add("x-api-key", "f0d0a166-96de-4898-8879-da309801968b")
  req.Header.Add("x-api-secret", "afcce08f-95bd-4317-9119-ecb8debae4f2")

  res, err := client.Do(req)
  defer res.Body.Close()
  body, err := ioutil.ReadAll(res.Body)

  fmt.Println(string(body))
}

If enabled on your account, can be used to list accounts linked to a particular user.

HTTP Request

GET /linked-account/list/{identifier}

Authentication headers

Name Description
x-api-key API Key for your Atomic account
x-api-secret API Secret for your Atomic account

Request properties

Name Type Description
identifier string The user's identifier, as sent to Atomic during AccessToken creation. Passed with the URL as a path parameter (e.g. /linked-account/list/{identifier}), replacing {identifier} with your user's identifier.

Response

Example response

{
    "data": [
        {
            "_id": "5f7212103a40e91f95ba376d",
            "valid": true,
            "connector": {
                "_id": "5d77f95207085632a58945c3",
                "name": "ADP",
                "branding": {}
            },
            "company": {
                "_id": "5d77f9e1070856f3828945c6",
                "name": "DoTerra",
                "branding": {
                    "logo": {
                        "_id": "5eb62781b4b83f0008f638cc",
                        "url": "https://atomicfi-public-production.s3.amazonaws.com/979115f4-34a0-44f5-901e-753a33337444_atomic-logo-dark.png"
                    }
                }
            },
            "lastSuccess": "2020-09-28T16:40:48.009Z",
            "transactRequired": false
        }
    ]
}

LinkedAccount object

Name Type Description
_id string Unique identifier.
valid boolean Whether or not the account credentials were valid after the last attempted use.
transactRequired boolean Whether or not using the account requires the user to be present within Transact.
lastSuccess date The datetime of the last successful usage of the account.
lastFailure date The datetime of the last failed usage of the account.
company object The Company to which the account is linked.
connector object The Connector to which the account is linked.

Use a Linked Account

Verify samples

curl --location --request POST "https://api.atomicfi.com/task/create" \
  --header "Content-Type: application/json" \
  --header "x-api-key: f0d0a166-96de-4898-8879-da309801968b" \
  --header "x-api-secret: afcce08f-95bd-4317-9119-ecb8debae4f2" \
  --data "{
    \"product\": \"verify\",
    \"linkedAccount\": \"5d77f9e1070856f3828945c6\"
}"

curl --location --request POST "https://api.atomicfi.com/task/create" \
  --header "Content-Type: application/json" \
  --header "x-api-key: f0d0a166-96de-4898-8879-da309801968b" \
  --header "x-api-secret: afcce08f-95bd-4317-9119-ecb8debae4f2" \
  --data "{
    \"product\": \"deposit\",
    \"linkedAccount\": \"5d77f9e1070856f3828945c6\",
    \"distribution\": {
        \"type\": \"fixed\",
        \"amount\": 50,
        \"action\": \"create\"
    }
}"

var https = require('https');

var options = {
  'method': 'POST',
  'hostname': 'https://api.atomicfi.com',
  'path': '/task/create',
  'headers': {
    'Content-Type': 'application/json',
    'x-api-key': 'f0d0a166-96de-4898-8879-da309801968b',
    'x-api-secret': 'afcce08f-95bd-4317-9119-ecb8debae4f2'
  }
};

var req = https.request(options, function (res) {
  var chunks = [];

  res.on("data", function (chunk) {
    chunks.push(chunk);
  });

  res.on("end", function (chunk) {
    var body = Buffer.concat(chunks);
    console.log(body.toString());
  });

  res.on("error", function (error) {
    console.error(error);
  });
});

var postData =  "{\n    \"product\": \"verify\",\n    \"linkedAccount\": \"5d77f9e1070856f3828945c6\",\n    }\n}";

req.write(postData);

req.end();


require "uri"
require "net/http"

url = URI("https://api.atomicfi.com/task/create")

http = Net::HTTP.new(url.host, url.port)

request = Net::HTTP::Post.new(url)
request["Content-Type"] = "application/json"
request["x-api-key"] = "f0d0a166-96de-4898-8879-da309801968b"
request["x-api-secret"] = "afcce08f-95bd-4317-9119-ecb8debae4f2"
request.body = "{\n    \"product\": \"verify\",\n    \"linkedAccount\": \"5d77f9e1070856f3828945c6\"\n    }\n}"

response = http.request(request)
puts response.read_body



import requests
url = 'https://api.atomicfi.com/task/create'
payload = "{\n    \"product\": \"verify\",\n    \"linkedAccount\": \"5d77f9e1070856f3828945c6\"\n    }\n}"
headers = {
  'Content-Type': 'application/json',
  'x-api-key': 'f0d0a166-96de-4898-8879-da309801968b',
  'x-api-secret': 'afcce08f-95bd-4317-9119-ecb8debae4f2'
}
response = requests.request('POST', url, headers = headers, data = payload, allow_redirects=False, timeout=undefined, allow_redirects=false)
print(response.text)


package main

import (
  "fmt"
  "strings"
  "os"
  "path/filepath"
  "net/http"
  "io/ioutil"
)

func main() {

  url := "https://api.atomicfi.com/task/create"
  method := "POST"

  payload := strings.NewReader("{\n    \"product\": \"verify\",\n    \"linkedAccount\": \"5d77f9e1070856f3828945c6\"\n    }\n}")

  client := &http.Client {
    CheckRedirect: func(req *http.Request, via []*http.Request) error {
      return http.ErrUseLastResponse
    },
  }
  req, err := http.NewRequest(method, url, payload)

  if err != nil {
    fmt.Println(err)
  }
  req.Header.Add("Content-Type", "application/json")
  req.Header.Add("x-api-key", "f0d0a166-96de-4898-8879-da309801968b")
  req.Header.Add("x-api-secret", "afcce08f-95bd-4317-9119-ecb8debae4f2")

  res, err := client.Do(req)
  defer res.Body.Close()
  body, err := ioutil.ReadAll(res.Body)

  fmt.Println(string(body))
}

Request body example

{
    "product": "verify",
    "linkedAccount": "5d77f9e1070856f3828945c6"
}

To generate a task using a Linked Account, a Task request is created that contains the product and the _id of the LinkedAccount. A Task is then created if the request is successful.

HTTP Request

POST /task/create

Authentication headers

Name Description
x-api-key API Key for your Atomic account
x-api-secret API Secret for your Atomic account

Request properties

Name Type Description
product
required
 string One of verify, identify, or deposit.
linkedAccount
required
 string The _id of a LinkedAccount object.
distribution object The distribution of the deposit as defined in the SDK parameters.
metadata object Optionally pass Metadata that will be returned to you in webhook events.

Response

Example responses

{
    "data": {
        "id": "5d3b23b155f500465c895f60",
        "status": "queued"
    }
}

Successfully creating a Task will return a payload with a data object containing both a public _id_ and a private status of queued. The status will change as the task progresses towards completion. The Atomic Dashboard can be used to track task progress. If you plan on implementing webhooks, we recommend saving the task _id for reference.

Response Properties

Name Type Description
_id string Unique identifier for the Task.
status string Status of the Task.

Code samples

curl --location --request POST "https://api.atomicfi.com/company/search" \
  --header "x-api-key: f0d0a166-96de-4898-8879-da309801968b" \
  --header "x-api-secret: afcce08f-95bd-4317-9119-ecb8debae4f2" \
  --data "{
    \"product\": \"deposit\",
    \"query\": \"ADP\"
  }"

var https = require('https');

var options = {
  'method': 'POST',
  'hostname': 'https://api.atomicfi.com',
  'path': '/company/search',
  'headers': {
    'Content-Type': 'application/json',
    'x-api-key': 'f0d0a166-96de-4898-8879-da309801968b',
    'x-api-secret': 'afcce08f-95bd-4317-9119-ecb8debae4f2'
  }
};

var req = https.request(options, function (res) {
  var chunks = [];

  res.on("data", function (chunk) {
    chunks.push(chunk);
  });

  res.on("end", function (chunk) {
    var body = Buffer.concat(chunks);
    console.log(body.toString());
  });

  res.on("error", function (error) {
    console.error(error);
  });
});

var postData =  "{\n    \"product\": \"deposit\",\n    \"query\": \"ADP\",\n    }\n}";

req.write(postData);

req.end();


require "uri"
require "net/http"

url = URI("https://api.atomicfi.com/company/search")

http = Net::HTTP.new(url.host, url.port)

request = Net::HTTP::Post.new(url)
request["Content-Type"] = "application/json"
request["x-api-key"] = "e0d2f67e-dc98-45d8-8b22-db76cb52f732"
request["x-api-secret"] = "e0d2f67e-dc98-45d8-8b22-db76cb52f732"

request.body = "{\n    \"product\": \"deposit\",\n    \"query\": \"ADP\"\n    }\n}"

response = http.request(request)
puts response.read_body



import requests
url = 'https://api.atomicfi.com/company/search'
payload = "{\n    \"product\": \"deposit\",\n    \"query\": \"ADP\"\n    }\n}"
headers = {
  'x-api-key': 'e0d2f67e-dc98-45d8-8b22-db76cb52f732',
  'x-api-secret': 'e0d2f67e-dc98-45d8-8b22-db76cb52f732'
}
response = requests.request('POST', url, headers = headers, data = payload, allow_redirects=False, timeout=undefined, allow_redirects=false)
print(response.text)



package main

import (
  "fmt"
  "os"
  "path/filepath"
  "net/http"
  "io/ioutil"
)

func main() {

  url := "https://api.atomicfi.com/company/search"
  method := "POST"

  payload := strings.NewReader("{\n    \"product\": \"verify\",\n    \"linkedAccount\": \"5d77f9e1070856f3828945c6\"\n    }\n}")

  client := &http.Client {
    CheckRedirect: func(req *http.Request, via []*http.Request) error {
      return http.ErrUseLastResponse
    },
  }
  req, err := http.NewRequest(method, url, nil)

  if err != nil {
    fmt.Println(err)
  }
  req.Header.Add("x-api-key", "e0d2f67e-dc98-45d8-8b22-db76cb52f732")
  req.Header.Add("x-api-secret", "e0d2f67e-dc98-45d8-8b22-db76cb52f732")

  res, err := client.Do(req)
  defer res.Body.Close()
  body, err := ioutil.ReadAll(res.Body)

  fmt.Println(string(body))
}

Searches for a Company using a text query. Searches can also be narrowed by passing in a specific product. The primary use case of this endpoint is for an autocomplete search component.

HTTP Request

POST /company/search

Authentication headers

Using API credentials (BACKEND)

Name Description
x-api-key API Key for your Atomic account
x-api-secret API Secret for your Atomic account

Using public token (CLIENT-SIDE)

Name Description
x-public-token Public token generated during access token creation.

Request properties

Name Type Description
query
required
 string Filters companies by name. Uses fuzzy matching to narrow results.
product string Filters companies by a specific product. Possible values include verify, identify, and deposit.
tags array Filters companies by a specific tag. Possible values include gig-economy, payroll-provider, and unemployment.
excludedTags array Excludes companies by a specific tag. Possible values include gig-economy, payroll-provider, and unemployment.

Response

Example response

{
    "data": [
        {
            "_id": "5d38f1e8512bbf71fb776015",
            "name": "DoorDash",
            "status": "operational",
            "connector": {
                "_id": "5d38f182512bbf0c06776013",
                "availableProducts": ["deposit"]
            },
            "branding": {
                "logo": {
                    "url": "https://atomicfi-public-production.s3.amazonaws.com/a8d7e778-b718-45e0-b639-2305e33e7f95_ADP.svg"
                },
                "color": "#E20000"
            },
            "tags": ["gig-economy"]
        }
    ]
}

Successfully querying the Company search endpoint will return a payload with a data array of Company objects. When a company is under-maintenance, users are unable to initiate an authentication until it has been restored.

Company object

Name Type Description
_id string Unique identifier.
name string Company name.
status string Possible values include operational or under-maintenance.
connector.availableProducts array A list of compatible products.
branding.logo.url string Logo for the company, typically an svg if available.
branding.color string Branding color for the company.
tags array Categories to which a company is associated. Possible values include gig-economy, payroll-provider, unemployment, and manual-deposits.

Generate File URL

Generate a URL in order to download a user file (ex: paystubs pdfs). Each URL is valid for 1 hour.

Code samples

# You can also use wget
curl --location --request GET "https://api.atomicfi.com/task/602414d84f9a1980cf5eafcc/file/602415224f9a1980cf5eb0a1/generate-url" \
  --header "Content-Type: application/json" \
  --header "x-api-key: f0d0a166-96de-4898-8879-da309801968b" \
  --header "x-api-secret: afcce08f-95bd-4317-9119-ecb8debae4f2" \

var https = require('https');

var options = {
  'method': 'GET',
  'hostname': 'https://api.atomicfi.com',
  'path': '/task/602414d84f9a1980cf5eafcc/file/602415224f9a1980cf5eb0a1/generate-url',
  'headers': {
    'Content-Type': 'application/json',
    'x-api-key': 'f0d0a166-96de-4898-8879-da309801968b',
    'x-api-secret': 'afcce08f-95bd-4317-9119-ecb8debae4f2'
  }
};

var req = https.request(options, function (res) {
  var chunks = [];

  res.on("data", function (chunk) {
    chunks.push(chunk);
  });

  res.on("end", function (chunk) {
    var body = Buffer.concat(chunks);
    console.log(body.toString());
  });

  res.on("error", function (error) {
    console.error(error);
  });
});

req.end();


require "uri"
require "net/http"

url = URI("https://api.atomicfi.com/task/602414d84f9a1980cf5eafcc/file/602415224f9a1980cf5eb0a1/generate-url")

http = Net::HTTP.new(url.host, url.port)

request = Net::HTTP::Get.new(url)
request["Content-Type"] = "application/json"
request["x-api-key"] = "f0d0a166-96de-4898-8879-da309801968b"
request["x-api-secret"] = "afcce08f-95bd-4317-9119-ecb8debae4f2"

response = http.request(request)
puts response.read_body



import requests
url = 'https://api.atomicfi.com/task/602414d84f9a1980cf5eafcc/file/602415224f9a1980cf5eb0a1/generate-url'
headers = {
  'Content-Type': 'application/json',
  'x-api-key': 'f0d0a166-96de-4898-8879-da309801968b',
  'x-api-secret': 'afcce08f-95bd-4317-9119-ecb8debae4f2'
}
response = requests.request('GET', url, headers = headers, data = undefined, allow_redirects=False, timeout=undefined, allow_redirects=false)
print(response.text)

package main

import (
  "fmt"
  "strings"
  "os"
  "path/filepath"
  "net/http"
  "io/ioutil"
)

func main() {

  url := "https://api.atomicfi.com/task/602414d84f9a1980cf5eafcc/file/602415224f9a1980cf5eb0a1/generate-url"
  method := "GET"


  client := &http.Client {
    CheckRedirect: func(req *http.Request, via []*http.Request) error {
      return http.ErrUseLastResponse
    },
  }
  req, err := http.NewRequest(method, url)

  if err != nil {
    fmt.Println(err)
  }
  req.Header.Add("Content-Type", "application/json")
  req.Header.Add("x-api-key", "f0d0a166-96de-4898-8879-da309801968b")
  req.Header.Add("x-api-secret", "afcce08f-95bd-4317-9119-ecb8debae4f2")

  res, err := client.Do(req)
  defer res.Body.Close()
  body, err := ioutil.ReadAll(res.Body)

  fmt.Println(string(body))
}

HTTP Request

GET /task/{taskId}/file/{fileId}/generate-url

Authentication headers

Name Description
x-api-key API Key for your Atomic account
x-api-secret API Secret for your Atomic account

Request properties

Name Type Description
taskId
required
 string The id of the task.
fileId
required
 string The id of the file.

Response

Example response

{
    "url": "https://private-bucket.s3.amazonaws.com/5e978dcf3abbf90008a00b7a/602414d84f9a1980cf5eafcc/7773bc56-71b0-40a1-bbed-03d7b1434850.pdf?Expires=1612991865&Signature=jwSGIZEnOsNJrrQaUhLRnaNg5uQ%3D"
}

A successful request will return a URL that can be used to download the file.

Response Properties

Name Type Description
url string A URL that can be used to download the file. The URL is valid for 1 hour.
cURL Node.JS Ruby Python Go