Issue cards inside your product

Build on the platform powering over $1B in annual card volume

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post

/ cards

curl -X POST 'https://api.s.unit.sh/cards' -H 'Content-Type: application/vnd.api+json' -H 'Authorization: Bearer ${TOKEN}' --data-raw '{ "data": { "type": "individualDebitCard", "attributes": { "shippingAddress": { "street": "5230 Newell Rd", "city": "Palo Alto", "state": "CA", "postalCode": "94303", "country": "US" }, "idempotencyKey": "3a1a33be-4e12-4603-9ed0-820922389fb8" }, "relationships": { "account": { "data": { "type": "depositAccount", "id": "2" } } } } }'

{ "data": { "type": "individualDebitCard", "id": "8", "attributes": { "createdAt": "2020-05-13T09:07:47.645Z", "last4Digits": "1234", "expirationDate": "2022-05", "bin": "123456789", "shippingAddress": { "street": "5230 Newell Rd", "street2": null, "city": "Palo Alto", "state": "CA", "postalCode": "94303", "country": "US" }, "status": "Inactive" }, "relationships": { "account": { "data": { "type": "depositAccount", "id": "2" } }, "customer": { "data": { "type": "individualCustomer", "id": "2" } } } } }

Create a physical or virtual card

Programmatically issue cards to businesses and consumers.

Ship physical cards in days and load custom digital wallet art

Push-provision cards to Apple Pay and Google Pay

Issue cards on the same accounts you use to move money

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patch

/ cards

curl -X PATCH 'https://api.s.unit.sh/cards/8' -H 'Content-Type: application/vnd.api+json' -H 'Authorization: Bearer ${TOKEN}' --data-raw '{ "data": { "type": "individualDebitCard", "attributes": { "limits": { "dailyWithdrawal": 50000, "dailyPurchase": 50000, "monthlyWithdrawal": 500000, "monthlyPurchase": 700000 } } } }'

{ "data": { "type": "individualDebitCard", "id": "8", "attributes": { "createdAt": "2020-05-13T09:07:47.645Z", "updatedAt": "2020-05-14T10:21:33.112Z", "last4Digits": "1234", "expirationDate": "2022-05", "bin": "123456789", "shippingAddress": { "street": "5230 Newell Rd", "street2": null, "city": "Palo Alto", "state": "CA", "postalCode": "94303", "country": "US" }, "status": "Active" }, "relationships": { "account": { "data": { "type": "depositAccount", "id": "2" } }, "customer": { "data": { "type": "individualCustomer", "id": "2" } } } } }

Set card-level spending limits

Control how much each card can spend.

Set daily and monthly purchase limits per card

Configure withdrawal limits where applicable

Update card-level limits dynamically via API

View docs

{ "data": [ { "type": "purchaseAuthorizationRequest", "id": "987654", "attributes": { "amount": 4725, "available": 150000, "status": "Pending", "partialApprovalAllowed": true, "direction": "Debit", "merchant": { "name": "CVS PHARMACY", "type": 5912, "location": "Austin, TX" }, "healthcareAmounts": { "dentalAmount": 0, "transitAmount": 0, "visionOpticalAmount": 0, "prescriptionRXAmount": 2500, "clinicOtherQualifiedMedicalAmount": 0, "totalHealthcareAmount": 2500 } }, "relationships": { "account": { "data": { "type": "depositAccount", "id": "111222" } }, "customer": { "data": { "type": "customer", "id": "333444" } }, "card": { "data": { "type": "card", "id": "555666" } } } } ] }

Decide card authorizations in real time

Control the business logic behind every attempted transaction.

Receive amount, available balance, merchant ID, and MCC in real time

Evaluate card-present, ecommerce, recurring, wallet, network, and FX data

Approve or decline transactions programmatically and track the final decision source

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post

/ rewards

curl -X POST 'https://api.s.unit.sh/rewards' -H 'Content-Type: application/vnd.api+json' -H 'Authorization: Bearer ${TOKEN}' --data-raw '{ "data": { "type": "reward", "attributes": { "amount": 3000, "description": "Reward for transaction #5678" }, "relationships": { "receivingAccount": { "data": { "type": "depositAccount", "id": "10000" } } } } }'

{ "data": { "type": "reward", "id": "11", "attributes": { "createdAt": "2022-03-31T09:25:56.388Z", "amount": 3000, "description": "Reward for transaction #5678", "status": "Sent", "tags": { "customerType": "vip" } }, "relationships": { "receivingAccount": { "data": { "type": "account", "id": "10000" } }, "fundingAccount": { "data": { "type": "account", "id": "10002" } }, "rewardedTransaction": { "data": { "type": "transaction", "id": "42" } }, "customer": { "data": { "type": "customer", "id": "10007" } }, "transaction": { "data": { "type": "transaction", "id": "99" } } } } }

Deliver rewards programmatically

Turn your own rewards logic into real customer value.

Trigger cash-back and bonus rewards via API

Credit rewards directly to eligible customer accounts

Track successful and rejected rewards through webhooks

View docs

Debit and prepaid cards

Enable your customers to spend money without a credit check

Pay-in-full charge cards

Configure any repayment cycle up to 31 days

Revolving credit

Let customers carry balances across billing cycles, with interest and minimum payments

Physical and virtual cards

Design and ship branded cards or generate virtual card numbers instantly

Configure rewards

Reward customers with cash-back or points-based programs on any spending category

Network-level data

Direct Visa and Mastercard connectivity with real-time access to raw network events

Dispute management

Built-in tooling and managed operations to handle chargebacks, with full visibility and status tracking

Integrations

Let customers push cards to Apple Pay and Google Pay, and provide access to 55,000+ ATMs

Control spend with real-time authorization

Every authorization reaches your endpoint with the amount, merchant, MCC, and available balance. Approve or decline with your own rules: keep an expense card within policy, limit an HSA/FSA card to eligible merchant categories, or cap a contractor card per vendor.

Set spend limits and MCC controls

Update card controls dynamically

Read card-present, ecommerce, wallet, and FX data on every request

Offer credit on cards

Issue charge and revolving cards for business spend, working capital, or consumer credit.

Charge cards with any repayment cycle up to 31 days

Revolving cards with APR, interest, and minimum payments

Debit, prepaid, and credit cards through the same API

Build on real infrastructure

Explore the platform

Benepass uses Unit to sub-ledger benefit funds across employers and employees, issuing employee cards with real-time spend authorization

Wallet Accounts

Debit Cards

“Unit was able to streamline compliance and allow us to focus on building a great benefits experience for our end users. Unit has been a true partner from day one and continues to innovate with us as we expand our product suite.”