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Unit

  • What it is:Unit is a financial technology platform that enables companies to embed banking, lending, and payment capabilities into their products through APIs and managed solutions.
  • Best for:Tech platforms embedding finance, Marketplaces for businesses/gig workers, Consumer apps monetizing engagement
  • Pricing:Starting from Monthly recurring subscription
  • Rating:88/100Very Good
  • Expert's conclusion:Unit excels for vertical SaaS leaders who are embedding complete financial infrastructure into their products to increase revenue, retention, and category dominance.
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Reviewed byMaxim Manylov·Web3 Engineer & Serial Founder

What Is Unit and What Does It Do?

Unit is a fintech company that offers a Banking as a Service (BaaS) platform which allows companies who are primarily technology-based to offer banking services including accounts, cards, payment services and lending within their product offerings. This service will allow these types of businesses to focus on the offering of a financial service rather than build it from scratch, allowing them to offer this type of service quicker and more cost effectively.

Active
📍New York, NY
📅Founded 2019
🏢Private
TARGET SEGMENTS
FintechsTech companiesNon-fintech businessesEmbedded finance providers

What Are Unit's Key Business Metrics?

📊
$173.2M
Total Funding
📊
$100M Series C
Latest Funding
📊
$4B+
Annual Payment Volume
💳
430K+
Cards Issued
👥
330K+
Customers
📊
300M+
Monthly API Calls
🏢
298
Employees
💵
$153.6M
Revenue

How Credible and Trustworthy Is Unit?

88/100
Excellent

Unit has a high degree of credibility as a leading provider of BaaS as they have received a significant amount of funding, they have experienced rapid growth in terms of the number of transactions processed, and they have established a large number of well known enterprise clients. Unit was founded by two fintech experts that have been involved in the development of several other successful fintech ventures.

BREAKDOWN
Product Maturity85/100
Company Stability92/100
Security & Compliance90/100
User Reviews80/100
Transparency85/100
Support Quality82/100
TRUST SIGNALS
Series C funded ($173M total)$4B+ annual payment volume300M+ monthly API callsFounders built $100B monthly volume fintechCustomers include AngelList, HoneyBook, Homebase

What is the history of Unit and its key milestones?

2019

Company Founded

Itai Damti (Chief Executive Officer) and Doron Somech (Chief Technology Officer) co-founded Unit in New York City after successfully developing Leverate, a company that had over 160 employees and processed $100 Billion per month in trade volume.

2020

Platform Launch

Unit officially launched their BaaS platform which provided the ability to create and manage accounts, issue cards, process payments and provide lending services using a single API/dashboard interface.

2022

Rapid Growth Milestone

Unit reached an annualized transaction volume of $2.6 Billion, processed over 430,000 cards and had over 330,000 customers.

2023

$100M Series C

Unit raised $100 Million in Series C funding; they now process over $4 Billion in payments each year, receive over 300 Million API calls each month.

Who Are the Key Executives Behind Unit?

Itai Damti— CEO & Co-founder
Before co-founding Unit, Itai Damti co-founded Leverate, which is a company that provides online brokerages with liquidity, risk management, and compliance tools. As a result of his time at Leverate Mr. Damti developed a great deal of experience and knowledge regarding the underlying technology required to support various financial services.
Doron Somech— CTO & Co-founder
Doron Somech is also a co-founder of Unit and before co-founding Unit he co-founded Leverate. As previously mentioned, Leverate is a company that provides online brokerages with liquidity, risk management, and compliance tools. Mr. Somech's experience and knowledge in the area of fintech infrastructure is extensive due to his involvement in the development of multiple successful fintech ventures.

What Are the Key Features of Unit?

✨
Account Creation & Onboarding
Unit streamlines the process of creating and managing Know Your Customer (KYC)/Know Your Business (KYB), Anti-Money Laundering (AML), fraud detection, and review of applications for financial services with the use of customizable white labeled forms.
✨
Payment Processing
Unit supports a variety of different payment methods including Automated Clearing House (ACH), wire transfers, checks, ATM withdrawals/deposits, transferring money between credit cards, receiving funds immediately through ACH, paying bills, and cross border payments.
💳
Card Issuance
Unit provides its customers with the ability to issue debit/charge cards that can be fully integrated into their customers' platforms and provide customers with complete control over how the card functions using a full API.
✨
Lending Products
In addition to issuing debit/charge cards, Unit provides its customers with the capability to provide lending services to their customers which are fully integrated with the customers' existing account and payment services.
✨
Compliance Automation
Unit provides its customers with built-in regulatory compliance which greatly reduces or eliminates the need for customers to develop their own compliance team.
🏛️
Bank Partnerships
The pre-existing relationship between Unit and its banking partner(s) will eliminate the complexity of setting up banking.
🔗
API-First Architecture
The single API and dashboard will provide a full banking stack in weeks as opposed to years.

What Technology Stack and Infrastructure Does Unit Use?

Infrastructure

Enterprise-grade cloud infrastructure

Technologies

APIsSDKsWhite-labeled UIs

Integrations

Banking partnersPayment networksACH/Wire networksCard networks

AI/ML Capabilities

Not disclosed; focus on scalable API infrastructure with built-in fraud detection and compliance automation

Limited technical details disclosed; based on product descriptions from company site and research reports

What Are the Best Use Cases for Unit?

Fintech Startups
Unit's customers can be able to provide all of their banking services (i.e., accounts, cards, payments) through APIs in weeks instead of years without having to build the compliance or banking relationship.
SaaS Platforms
Embedding branded banking experience into your application/portal will provide you with an opportunity to retain users and generate additional revenue.
Marketplaces
Unit's customers will be able to provide immediate payout options, escrow account options, and buyer/seller payment rail options to users with ease and compliance.
HR/Payroll Platforms
Unit's customers will be able to provide instant payroll deposit access, bill paying, and banking services to employees using existing work flows.
NOT FORTraditional Banks
Not the focus of unit; Unit is focused on providing non-banking entities with banking capabilities rather than compete directly with established banking institutions.
NOT FORHigh-Frequency Trading Platforms
Sub-second settlement requirements are not met by this product; it is focused on providing consumer and business banking rails.

How Much Does Unit Cost and What Plans Are Available?

Pricing information with service tiers, costs, and details
☐Service$CostℹDetails🔗Source
Platform FeeMonthly recurring subscriptionBased on specific services and features selectedContrary Research
Transaction FeesPercentage per transactione.g., ACH payments and other financial transactionsContrary Research
Interchange SplitRevenue share percentageShare of interchange fees from card issuingContrary Research
Native FeesCustomizable (default $0)Incoming/Outgoing ACH, Wires. Updated via account contactUnit API Docs
Ready-to-Launch SolutionsCustom quoteFully managed Capital, Banking, Bill Pay solutionsUnit.com
Platform FeeMonthly recurring subscription
Based on specific services and features selected
Contrary Research
Transaction FeesPercentage per transaction
e.g., ACH payments and other financial transactions
Contrary Research
Interchange SplitRevenue share percentage
Share of interchange fees from card issuing
Contrary Research
Native FeesCustomizable (default $0)
Incoming/Outgoing ACH, Wires. Updated via account contact
Unit API Docs
Ready-to-Launch SolutionsCustom quote
Fully managed Capital, Banking, Bill Pay solutions
Unit.com

How Does Unit Compare to Competitors?

FeatureUnitStripe TreasuryMarqetaGalileoSynctera
Core FunctionalityFull banking + cards + paymentsTreasury + paymentsCard issuingFull BaaSDigital banking
Embedded CapitalYesLimitedNoNoNo
Ready-to-LaunchYes (3 weeks)NoPartialNoNo
Physical CardsYes (custom designs)NoYesYesYes
Mobile Wallet SupportYes (Apple/Google Pay)NoYesYesYes
Bill PayYes (checks, ACH, wires)NoNoPartialYes
ATM NetworkYes (Allpoint, fee-free)NoPartialYesYes
Starting PriceCustom subscription$0 platform feeTransaction-basedCustomCustom
Free TierNoYes (limited)NoNoNo
API-FirstYesYesYesYesYes
Core Functionality
UnitFull banking + cards + payments
Stripe TreasuryTreasury + payments
MarqetaCard issuing
GalileoFull BaaS
SyncteraDigital banking
Embedded Capital
UnitYes
Stripe TreasuryLimited
MarqetaNo
GalileoNo
SyncteraNo
Ready-to-Launch
UnitYes (3 weeks)
Stripe TreasuryNo
MarqetaPartial
GalileoNo
SyncteraNo
Physical Cards
UnitYes (custom designs)
Stripe TreasuryNo
MarqetaYes
GalileoYes
SyncteraYes
Mobile Wallet Support
UnitYes (Apple/Google Pay)
Stripe TreasuryNo
MarqetaYes
GalileoYes
SyncteraYes
Bill Pay
UnitYes (checks, ACH, wires)
Stripe TreasuryNo
MarqetaNo
GalileoPartial
SyncteraYes
ATM Network
UnitYes (Allpoint, fee-free)
Stripe TreasuryNo
MarqetaPartial
GalileoYes
SyncteraYes
Starting Price
UnitCustom subscription
Stripe Treasury$0 platform fee
MarqetaTransaction-based
GalileoCustom
SyncteraCustom
Free Tier
UnitNo
Stripe TreasuryYes (limited)
MarqetaNo
GalileoNo
SyncteraNo
API-First
UnitYes
Stripe TreasuryYes
MarqetaYes
GalileoYes
SyncteraYes

How Does Unit Compare to Competitors?

vs Stripe Treasury

While both units offer embedded banking infrastructure that includes cards, payments and capital products, Unit provides a ready-to-launch solution for all of these items which takes zero build time; whereas, Stripe Treasury is focused on providing Treasury Management and Payment Services.

Unit is for platforms that need a full banking stack; Stripe is for Payments-First Treasury Solutions.

vs Marqeta

Marqeta is specialized in card issuance and provides better card controls compared to other companies; however, Unit provides a broader banking infrastructure that includes accounts, payments, lending and cards.

Marqeta is for Card-Centric Programs; Unit is for Full Money Movement Platforms.

vs Galileo

Galileo provides a broad BaaS solution that scales well; however, they require more engineering resources than Unit. Unit also offers Ready-to-Launch solutions and provides Consumer/Business Vertical Specializations that Galileo does not.

Galileo is for Custom Large-Scale Deployments; Unit is for Rapid Platform Monetization.

vs Synctera

Synctera is focused on forming partnerships with Neobank Sponsors with Bank Sponsors; Unit is focused on being Developer-First with Direct Fed/Card Network Connectivity and emphasizes Zero-Build Launch Speed.

Synctera for branded digital banks; Unit for embedded finance APIs.

What are the strengths and limitations of Unit?

Pros

  • Ready-to-launch solution that provides complete embedded finance stack — including banking, cards, payments, and capital in one single platform.
  • Solutions ready to be launched in as little as 3 weeks with zero engineering.
  • Solutions include direct fed/card network connectivity so you don't need to have a banking partner or use a third party.
  • Solutions can also create customizable card programs with full control over card types (physical/virtual), reward structures and other features of your program.
  • Solutions offer fee-free ATM access through the Allpoint network as well as mobile wallet support.
  • The modular architecture of the solutions allows you to start with a managed solution and then transition to custom APIs when you are ready to scale.
  • The solutions have a strong vertical focus, they provide solutions for businesses, workers, and consumers.

Cons

  • The pricing of the solutions is not transparent. They will only give you a quote after you make contact with them, which makes it hard to do an initial evaluation.
  • There is limited publicly available information about the pricing of the solutions. In order to get the cost, you will have to get in touch with their sales department.
  • This is an early-stage company with a $1.2B valuation but has yet to prove itself at massive scale.
  • The solutions are US-centric and therefore they are mainly focused on providing banking services via the US banking rails and regulatory environment.
  • The solutions charge complex fees. These fees can be broken down into three main areas: Platform fees, Transaction fees, and Interchange fees.
  • In order to build custom features for your business using the solutions you will need to do some engineering work. Their Ready-to-Launch solutions limit how much you can customize these features.
  • The development of new features requires coordination with the Unit team who manage the feature roadmap and may delay delivery of the requested feature.

Who Is Unit Best For?

Best For

  • Tech platforms embedding finance — Provides a comprehensive banking infrastructure that includes a 3-week launch option.
  • Marketplaces for businesses/gig workers — Offers accounts, cards, AP/AR, and capital products that are designed specifically for B2B2C.
  • Consumer apps monetizing engagement — Using the solutions' cards and money movement options will improve both the retention and revenue per user of your product.
  • Companies avoiding bank partnerships — By utilizing the solutions' direct fed/card network connectivity, you eliminate the need for intermediaries such as bank partners.
  • Engineering-led fintech teams — Provides robust APIs that include white-label components and a dashboard.

Not Suitable For

  • Budget-conscious startups — Custom pricing offered by the solutions does not provide a clear understanding of what you will pay. If this is a concern, consider using Stripe Treasury instead.
  • Pure payments companies — The solutions are overkill if all you need is simple payment processing. If this is your case, you should consider using either Stripe or Adyen directly.
  • International-first companies — The solutions' infrastructure is primarily focused on the US. If you want to provide services outside of the US, you might want to look at Rapyd or Airwallex.
  • Neobanks needing sponsor bank — Unit will replace your banking partners. If you prefer to continue working with chartered banking partners, you could look at Synctera.

Are There Usage Limits or Geographic Restrictions for Unit?

Geographic Availability
Primarily US-focused (Fed connectivity, Allpoint ATMs)
Native Fees Coverage
Incoming/Outgoing ACH, Wires, Cards (customizable)
Ready-to-Launch Solutions
Capital, Banking, Bill Pay (fully managed)
Custom Fee Types
Available via Fees API for non-native activities
Account Types
Unlimited accounts per end-user (checking, savings, tax)
Card Issuance
Physical/virtual debit/credit cards, custom designs
Mobile Wallets
Apple Pay, Google Pay, Samsung Pay
ATM Access
Fee-free Allpoint network (55K+ ATMs)
Compliance
FDIC-insured deposit accounts

Is Unit Secure and Compliant?

FDIC InsuranceAll deposit accounts FDIC-insured up to applicable limits
Direct Network ConnectivityDirect integration with Federal Reserve and card networks
Fraud ProtectionFully managed risk operations included in Ready-to-Launch
Programmatic ControlsGranular card controls, spend limits, freeze/unfreeze via API
Structured Transaction DataMerchant details, location, categories for compliance/reporting
99.9% Uptime InfrastructureBuilt for scale from early stage to millions of users

What Customer Support Options Does Unit Offer?

Channels
Schedule via website formsupport@unit.co (inferred from standard practices)Live product demos and Q&A sessions
Hours
Business hours
Specialized
Fully managed customer support for Ready-to-Launch solutions
Business Tier
Enterprise customers receive dedicated support and oversight tools

What APIs and Integrations Does Unit Support?

API Type
REST API with SDKs for full customization
Authentication
API keys and standard banking auth (not detailed publicly)
Webhooks
Supported for real-time notifications (activity streams, payments)
SDKs
Official SDKs available for developer integration
Documentation
Comprehensive developer portal with API references
Sandbox
Testing environment available for platform features
SLA
Scalable infrastructure designed for millions of users
Rate Limits
Not publicly specified; enterprise-grade scaling
Use Cases
Accounts, money movement (ACH, wires, checks), card issuing, lending

What Are Common Questions About Unit?

The embedded finance platform Unit allows technology companies to develop their own banking, payment, card issuance, and lending products within their apps. Unit has developed both a ready-to-launch white-label solution, as well as a custom API solution that will enable full control over the development of a company's branded financial experience.

Using Unit's ready-to-launch white-label solutions, a company can deploy a financial product or service in three weeks using a single line of code. Unit's custom integration allows for full control over the branding of each customer's financial experience.

Unit supports multiple components of a customer's financial experience, including accounts/wallets, money movement via ACH, wire transfers, paper checks, RTP, branded debit and credit cards, and capital/lending products. These different components of a customer's financial experience can be combined to create a complete financial solution.

While Unit is focused on providing complete embedded finance capabilities, including lending and bill pay, they provide ready-to-launch options that do not require customers to build anything. On the other hand, Stripe Treasury is focused on providing banking-as-a-service capabilities from a developer-centric perspective and does not have native lending capabilities.

Unit manages all aspects of banking compliance, fraud prevention, and scalability with respect to oversight tools. Additionally, Unit manages its relationships with banks and card networks to ensure that Unit complies with applicable laws and regulations.

Yes, Unit integrates directly with processor such as Stripe Connect, Worldpay, Adyen, and Rainforest. Unit also supports Plaid for account linking and Intuit for data transfer.

Unit's ready-to-launch white-label products provide a fully managed Capital, Banking, and Bill Pay solution with a white-label User Interface. With regards to Unit's business model, they handle all of the operational, support, fraud, and share revenue with the customer so that the customer can focus on increasing adoption.

Vertical SaaS platforms are software as a service platforms that serve businesses, independent workers, and consumers. Some examples of vertical SaaS platforms include: Baselane, a landlord-focused platform, Nav, a credit-building focused platform, Toolbox, a construction-focused platform, and Highbeam, a consumer brand focused platform.

Is Unit Worth It?

Unit delivers a comprehensive embedded finance infrastructure that enables vertical SaaS platforms to deliver a complete banking, payment, card, and lending solutions to their customers. Unit's dual approach of offering ready-to-launch white-label products and customizable APIs addresses both the need to quickly bring a financial product or service to market as well as the need to customize the financial product or service to meet the specific requirements of a company's customers. In addition, Unit's strong focus on vertical SaaS platforms make it particularly attractive to category leaders who seek to achieve financial stickiness with their customers. :

Recommended For

  • Platforms that are providing complete financial systems for small and medium sized businesses (SMB’s).
  • Operators of a marketplace who need immediate payment and want banking to be embedded within their business model.
  • Businesses that have focused on either construction, real estate, or the gig economy.
  • Technology companies looking to create revenue through interchange fees and lending.

!
Use With Caution

  • Fintech for consumers – more about the business/workers.
  • High degree of customizing user interface (UI) — evaluate if Ready-to-Launch is a good fit first.
  • Needs to expand internationally — US banking infrastructure is where Unit has its focus.

Not Recommended For

  • Use cases that are simple payment only — better value at Stripe/Checkout.
  • Neobank for consumers — there are solutions specifically designed for these types of banks.
  • Budget constrained early stage startup — enterprise grade pricing.
Expert's Conclusion

Unit excels for vertical SaaS leaders who are embedding complete financial infrastructure into their products to increase revenue, retention, and category dominance.

Best For
Platforms that are providing complete financial systems for small and medium sized businesses (SMB’s).Operators of a marketplace who need immediate payment and want banking to be embedded within their business model.Businesses that have focused on either construction, real estate, or the gig economy.

What do expert reviews and research say about Unit?

Key Findings

Unit is positioned as the complete Embedded Finance Platform offering Banking, Payments, Cards and Lending capabilities. Additionally, Unit offers Ready-to-Launch white label solutions which can be deployed in as little as 3 weeks and can also offer full API customization. Unit has been trusted by over 200 vertical SaaS platforms including Baselane, Nav, Toolbox, serving businesses, contractors, landlords and gig workers.

Data Quality

Good - comprehensive information from official website, blog posts, and case studies. Limited public data on pricing, specific SLAs, and customer support details.

Risk Factors

!
Pricing not clearly stated — likely custom enterprise contracts.
!
Only banking infrastructure in the U.S.
!
Dependent on ongoing bank partnerships.
!
Competitive landscape includes Stripe Treasury, Marqeta, and Synctera.
Last updated: February 2026

What Are the Best Alternatives to Unit?

  • •
    Stripe Treasury: Developer-first banking-as-a-service for platforms and marketplaces. Less complex than Unit but does not provide the same level of Ready-to-Launch options or bill pay. The best option for technical teams that are building custom experiences. (stripe.com/treasury)
  • •
    Marqeta: Card issuing platform with advanced controls and virtual cards. A more specialized solution for card programs compared to Unit's complete suite. Provides higher level of customization for payments however Unit provides native banking and lending. The best option for card-centric programs. (marqeta.com)
  • •
    Synctera: Unit is a more vertically SaaS-centric embedded banking option that has more focus on being a fintech type of solution using the sponsor bank model rather than Unit's infrastructure model. This is good for Neobank builds that require compliance as a first order of business.
  • •
    Galileo (SoFi): Unit offers a full set of financial infrastructure including; accounts, cards and lending capabilities. The enterprise grade capabilities are more complex than the out-of-the-box nature of Unit's ready to launch offerings, but are suitable for larger scale Fintech applications versus the more vertical SaaS approach that Unit embodies. This is best suited for very large scale build-out programs.
  • •
    Modern Treasury: Unit is a payment operations platform specifically designed around the idea of moving money through ACH/Wires/Checks. It is great for companies that need to move money, but it doesn't have the same level of breadth as Unit when it comes to banking/cards/lending. It is best for companies that are looking for an infrastructure solution for their payment needs.

What Additional Information Is Available for Unit?

Customer Success Stories

Baselane used Unit to manage the financial aspects of its landlord customers. Nav utilizes Unit for its banking + lending products to help its users build credit. Toolbox delivers charge cards to construction companies. HighBeam helps consumer brands grow through capital.

Ready-to-Launch Innovation

Unique white label Capital, Banking, and Bill Pay solutions that can be launched with one line of code in three weeks. Unit handles all operational tasks, fraud prevention, customer service and splits the revenue generated from each partner while providing pre-built marketing materials to drive user adoption.

Recent Product Expansion

In 2023, Unit introduced a number of new features, including check sending/orders, transactional enhancements, cash deposit functionality and a complete lending suite. Additionally, Unit expanded its capabilities to include supporting those industries that still heavily utilize paper checks such as landlords and contractors.

Vertical SaaS Focus

There are over 200 platforms that utilize Unit for a variety of purposes across the real estate, construction, credit, and other vertical markets. Unit is helping these category leaders become a complete financial operating system for their customers.

Integration Ecosystem

Unit natively supports a wide range of integrations, including; Stripe Connect, Worldpay, Adyen, Plaid Exchange, Intuit QuickBooks/Mint, and AWS S3. Unit provides seamless integration with a company's existing payment processor and/or data pipeline.

What Core Product Capabilities Does Unit Offer?

Accounts and Wallets (FBO)

Branded bank accounts and branded wallets to allow users to store and manage their money within their platforms.

Money Movement

Same day ACH, wires, checks, bill pay, and instant payout for both sending and receiving funds.

Card Issuing

Branded virtual and physical debit and credit cards along with a full suite of management tools.

Capital and Lending

Underwritten charge cards and credit lines with working capital support

Check Deposit and Cash Deposits

Cash and image uploaded instant check deposits through multiple locations

KYC/AML & Onboarding

Branded compliant customer onboarding using branded application forms

Data & Reporting APIs

Data pipeline integration (AWS S3) and revenue tracking through real time insights

What Is Unit's Technical Infrastructure Specs?

API Architecture
Fully customizable RESTful APIs with SDKs and OpenAPI documentation
Scalability Pattern
Direct integration with Federal Reserve and card networks, modular microservices
Transaction Throughput
High-volume processing for ACH, wires, cards, and checks
Real-Time Processing
Instant payouts, real-time webhooks, and transaction enrichment
System Uptime
High availability with managed infrastructure
Data Processing
Real-time streaming, activity streams, and export capabilities
Monitoring & Observability
Real-time dashboards, performance tracking, and oversight tools
Identity & Authentication
Secure API keys, OAuth, and fraud management

What Is Unit's Compliance And Regulatory Requirements Status?

KYC/AML ComplianceCustomer onboarding, verification, and monitoring for financial services
PCI DSS Level 1Secure handling of card data for issuing and processing
SOC 2 Type IIAudits for security, availability, and data protection controls
Bank Secrecy Act (BSA)Anti-money laundering reporting and record-keeping
State Money Transmitter LicensesLicensing for money transmission across states
Encryption & TokenizationSecure transaction data and card information protection
Audit Trails & LoggingComplete logs for transactions and compliance reporting

How Does Unit's Primary Use Cases And Verticals Compare?

Vertical/PlatformUse CaseKey BenefitFinancial Products
Vertical SaaSEmbed banking, capital, and bill pay as money hubLaunch in 3 weeks, revenue share, full management by UnitAccounts, Bill Pay, Capital, Cards
Real Estate (e.g., Baselane)Landlord finance management with checks and depositsSimplifies property finances and cash flowBanking, Checks, Deposits, Payments
Gig Economy / Independent WorkersInstant payouts, wallets, and cards for freelancersImmediate access to earnings and money managementPayouts, Wallets, Cards
Construction (e.g., Toolbox)Charge cards for improved cash flowManages expenses and working capital on platformCharge Cards, Capital
Business Management (e.g., Nav)Embedded banking and lending for credit buildingOne-stop finance and credit managementBanking, Lending
Consumer Brands (e.g., Highbeam)Capital for growth and scalingPowers business expansion with embedded financeCapital, Credit Lines

What Api And Integration Capabilities Does Unit Offer?

RESTful Platform APIs

Full control of all accounts, cards, payments, and lending through APIs (SDK)

Ready-to-Launch APIs

One line of code to get full access to your customers’ bank information, capital, and bill pay

Webhook Support

Real time notifications when a transaction occurs or an event happens

White-Label Components

Built-in pre-defined user interfaces for card management, payment history, and activity streams

Third-Party Integrations

Linking accounts with Plaid, exporting Intuit data transfers, exporting AWS S3

Payment Processor Compatibility

Connects to Stripe Connect, Worldpay, Adyen, and Rainforest

Embedded UI Components

Customizeable front-end blocks for example account management and check deposit

Developer Documentation

Detailed API documentation, SDK's, and sample code integrations

Unit Regional Coverage & Localization Requirements

United States - Capabilities
ACH, wires, checks, card issuing, banking accounts, capital products, state licenses
United States - Considerations
State money transmitter laws, federal banking regulations, KYC/AML compliance

What Vendor Evaluation Criteria Does Unit Support?

Evaluation CriteriaCritical Factors to AssessValidation MethodImportance
API Breadth & DocumentationAccounts, cards, payments, lending APIs; SDKs; Ready-to-Launch optionsAPI review; demo testing; integration POCCritical
Compliance CoverageKYC/AML; PCI DSS; SOC 2; US banking licensesCompliance certifications; regulatory auditCritical
Scalability & PerformanceDirect Fed/card network integration; handles millions of usersCustomer references; performance demosCritical
Time to Launch3-week Ready-to-Launch; no-code optionsPilot deployment; time-to-value assessmentHigh
Security PostureFraud management; encryption; managed oversightSecurity review; SOC reportsCritical
Integration ComplexitySingle-line embed; webhook sync; processor compatibilityIntegration testing; dev experience feedbackHigh
Uptime & ReliabilityManaged infrastructure; real-time monitoringSLA review; uptime metricsCritical
Pricing TransparencyRevenue share model; no fraud losses for userPricing model analysis; TCO calculationHigh
Vendor Stability & SupportProven scale; managed customer support; marketing materialsReferences (Baselane, Nav); support SLAsHigh

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