Build a
payroll
powered experience

Empower millions of customers with new financial services with Atomic’s payroll connectivity solutions.

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Trusted by Financial Services Leaders

How financial connectivity works

Coverage

Connect with our industry leading coverage to millions of employer and payroll accounts.

Permissions

Identify the employer, payroll provider, or merchant to permission account access.

Authenticate

Complete authentication and payroll account is verified.

Your brand built right in

Build financial products in hours with our developer toolkit and sandbox environment.

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Investing

Give customers flexible access to more investing and savings options.

Real Estate

Verify income and employment for underwriting mortgages or rentals.

Digital Banking

Make redirecting direct deposits secure, seamless, and verified in real-time.

Tax

Unlock year-round tax refunds and sync W-2 withholdings.

Insurance

Automate income validation for workers' compensation, lost wage, and personal liability claims.

Cryptocurrency

Enable customers to get paid and make payments in cryptocurrencies.

Lending

Verify an applicant’s income and employment quickly and accurately.

Gig Economy

Build an income and employment history for 1099 and gig workers.

Unlock new financial solutions with continuous access to data

Our Mission

We believe payroll data has the power to unlock new financial opportunities for millions of consumers

Deposit

Acquire
direct deposits

Atomic’s payroll connectivity solutions make a wealth of financial services more accessible to millions of consumers.

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Uplink

Share data, not passwords. Uplink is the safer, simpler way to authenticate.

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SmartAuth

Revolutionizing payroll connectivity with accurate, advanced and scalable artificial intelligence

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Customizable interface

Powerful APIs, SDKs, and
pre-built user interfaces

Discover how you can build financial products in hours with Atomic’s developer toolkit and highly customizable SDK

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SDKs for every stack

Our Transact SDK integration is optimized for ease and speed. Get up and running in hours with our developer toolkit, API docs, and sandbox environment.

Highly Customizable

With our Transact SDK, customize your end user experience to align with your brand identity and create a seamless user journey.

Press

Introducing Atomic’s EmployerLink Solutions Suite With Broader Coverage Of Employer And Human Resource Systems 

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Designed for developers

Build payroll-powered products

Discover how you can launch new financial products using our developer toolkit, API docs, sandbox environment, and customer support resources.

Our Impact

The trusted way to connect any app with payroll accounts.

17.5+ million

consumers reached on an annual basis

1.2 million

average monthly consumer instances

$140 million

estimated savings for consumers on annual overdraft fees

160+

customers and partners trust working with Atomic

company updates

Atomic Insights

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