Atomic’s payroll connectivity solutions make a wealth of financial services more accessible to millions of consumers.
Atomic Financial is the infrastructure for connecting apps and services to payroll accounts.
Our solutions can be used by companies and consumers in banking, insurance, and lending industries for identity and employment verification, direct deposit switching and enable any other use case when verification of payroll data is needed.
Atomic Financial is the easiest payroll data connectivity solution for users who need to connect their payroll account to their service providers.
When using our verification and following a successful ‘event’, you will receive a load of data points. These may include, but are not limited to: employer, employment status, income, and start date, among other data points.
For a full list of available data points, please click here to see our API docs or fill out the contact form at the bottom of the page to speak to a member of our team.
Yes, we have a sandbox environment. Please contact us and we will work with you to get your team set up in our sandbox environment to help facilitate the integration of our SDK or APIs into your environment.
You can also request a demo to see how our payroll data connectivity solution could work for your organization.
Atomic’s Deposit solution is a scalable solution that allows customers to change the destination of their direct deposit quickly and securely. This increases the quality of customer deposits without slowing growth, or compromising on security, or data integrity. When you are ready to activate Deposit, you will embed our SDK into your mobile application or website. We’ll then partner with you to help customize the omnichannel experience to help meet your needs, align with your branding, achieve your desired customer journey and meet your compliance standards. Your customers will use your site or app to access Atomic’s flow to establish a connection enabling the direct deposit switch with their payroll provider.
Atomic’s Verify solution is your digital back office for income verification and employee verification procedures that free you up to focus on the front-end customer experience. Atomic’s Verify API connects you to a consumer’s payroll system, with consumer permission. Integrate your website or app with Atomic using our easily embedded software development kit (SDK). Your customers can then interact with Atomic’s user interface to authenticate to their payroll provider. They will also give authorization to share their data, supporting paystubs, and W2s — all from your platform.
As of Q1’23, by our conservative estimate, Atomic’s payroll APIs cover approximately 85% of the US workforce. Combined, we can reach an estimated 130 million employees. Coverage and conversion rates may vary by employers, payroll providers, and customer use case.
To learn more about how to benchmark coverage, check out our Markets’ primer on “What is coverage and why does it matter to payroll APIs” on our Insights page.
Yes, we cover state unemployment and the Armed Forces, among many others. We also cover most of the major gig economy such as Uber and DoorDash.
To hear more about our coverage, fill out the contact form at the bottom of the page or get in touch to schedule a demo.
Yes, we support multi-factor authentication, single sign-on, Google sign on, etc. We also support the ability for a consumer to reset their username and password within our workflow.
We understand that an end user may want to remove payroll data from your service provider for a number of reasons and we want to make the process as easy as possible. The consumer will need to contact the service provider to remove the data from their system and we will work with our partner to ensure this is handled properly.
Data security is in Atomic’s DNA. To keep consumer payroll data safe, we never share usernames and passwords. Once the consumer gives us permission to share their payroll data or switches their direct deposit, the data is securely transferred from the payroll system to the service provider through our API.
We conduct external security audits on a regular basis. Any data that we share is encrypted using TLS protocols. Our team has built and developed some of the industry’s most secure banking systems.
Whether payroll data is shared for an asset, income, or employment verification or your customer needs to set up or change direct deposit, protecting consumer data is our top priority.
Yes, absolutely. Depending on your needs and implementation timeline, our SDK can be customized minimally or fully built out. Our dev team is happy to talk you through this process – request a demo today to learn more.
Integration with our payroll API is as simple as it gets, depending on your desired level of customization. Our dev team will be available to answer any questions and assist you through your integration.
Depending on the level of customization, we have seen clients complete integration in a day, while others take a different approach and complete the project over a number of months. Our SDK can live in either a mobile or web presence and is compatible with iOS, Android, React Native, Flutter, etc.
If you’d like to learn more about how to integrate our payroll API, get in touch to request a demo today.
A payroll API (application programming interface) is the infrastructure which connects payroll accounts to service providers. It enables them to change direct deposit, verify income, and verify employment in real time.
Service providers include neobanks, lenders, insurance companies, risk assessors and traditional financial institutions.
If you’d like to learn more about how Atomic’s payroll API can help your organization, get in touch to request a demo today.
To connect with us, please fill out the form. Expect a response within one business day.
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