A smarter way to switch payments

Remain top-of-wallet, increase transaction volume, and improve retention.

Update customer payment methods across merchants and subscriptions—without the hassle.

Change a merchant's card-on-file right from your app

Provide a frictionless experience that keeps payments flowing and your institution top-of-wallet.

Molecular Credit
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Molecular Debit
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Flexible payment options

Remain the preferred funding source by allowing users to switch card and ACH payment methods.

Simplified user experience

Easily switch multiple payments at once all directly through the mobile app.

Increase transaction volume

Ensure your customers keep using your payment methods, reducing attrition and growing interchange revenue.

Reduce churn

Remove the friction of payment disruptions, keeping customers engaged with your banking services.

Strengthen engagement

Build long-term loyalty when your payment method is the primary choice for everyday.

How it works

No more headaches. Atomic makes switching payment credentials fast, easy, and secure.

1

Select merchants

Customers select which merchants and subscriptions they want to update.

2

Merchant authentication

Users authenticate with each merchant—securely and directly from your app.

3

Automatic routing

Atomic updates their payment credentials for recurring charges, reducing friction and ensuring uninterrupted payments.

4

Manage payments

Customers track their progress, pausing or resuming updates as needed.

Why Atomic?

Atomic offers a comprehensive approach that’s user-centric, secure, and simple.

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TrueAuth

Our patented technology powers direct, secure authentication without third-parties, passwords, or friction.

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import { Atomic, Product } from "@atomicfi/transact-react-native"
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// Your implementation goes here
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Atomic.transact({
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config: {
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publicToken: "PUBLIC_TOKEN",
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tasks: [{ product: Product.DEPOSIT }]
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},
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onInteraction: interaction => {
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console.log('Interaction event:', interaction.name, interaction.link)
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},

Developer experience

Built on Atomic’s Transact SDK, PayLink Switch integrates seamlessly with your app for a fast, low-lift implementation.

A complete solution

Switch is part of a broader solution that enables account primacy. Users can also update their direct deposit and optimize recurring payments—all within their banking app.

Offer a better payment switching experience

Partner with Atomic to enable payment credential switching—right from your app.

Sign up for Atomic
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