Quickstart

This quickstart guide walks you through building a simple use case in sandbox.

You can fully use Quickstart Postman collection to follow along.

The guide will show you how to:

• Create an account under an individual's name (Peter Parker)
• Fund it with $1,000
• Create a virtual debit card under this account
• Spend $500 at Amazon with that card

Prerequisites

1. Sign up for a sandbox account and choose Custom Build.
2. Developer → API Tokens — create a token with all scopes.

Step 1 — Create an Application

To identify a customer, create an Application with their details.

Once the application is approved, a Customer is created.

The response includes the Customer id under relationships.

Use that id when creating the account.

curl -X POST 'https://api.s.unit.sh/applications'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "individualApplication",
    "attributes": {
      "ssn": "721074426",
      "fullName": {
        "first": "Peter",
        "last": "Parker"
      },
      "dateOfBirth": "2001-08-10",
      "address": {
        "street": "20 Ingram St",
        "city": "Forest Hills",
        "state": "NY",
        "postalCode": "11375",
        "country": "US"
      },
      "email": "peter@oscorp.com",
      "phone": {
        "countryCode": "1",
        "number": "5555555555"
      },
      "ip": "127.0.0.2",
      "occupation": "ArchitectOrEngineer",
      "annualIncome": "Between50kAnd100k",
      "sourceOfIncome": "EmploymentOrPayrollIncome",
      "tags": {
        "userId": "106a75e9-de77-4e25-9561-faffe59d7814"
      },
      "idempotencyKey": "3a1a33be-4e12-4603-9ed0-820922389fb8"
    }
  }
}'

Step 2 — Create a Deposit Account

Accounts are created under a Customer.

Use the customer id from the previous step to create a Deposit Account for Peter Parker.

curl -X POST 'https://api.s.unit.sh/accounts'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "depositAccount",
    "attributes": {
      "depositProduct": "checking",
      "tags": {
        "purpose": "checking"
      },
      "idempotencyKey": "3a1a33be-4e12-4603-9ed0-820922389fb8"
    },
    "relationships": {
      "customer": {
        "data": {
          "type": "individualCustomer",
          "id": "20001"
        }
      }
    }
  }
}'

Step 3 — Fund the Account

Before Peter can spend, the account needs a balance.

To fund Peter's account, use the "incoming ACH credit" sandbox simulation.

The request below adds $1,000.

curl -X POST 'https://api.s.unit.sh/sandbox/payments'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "achPayment",
    "attributes": {
      "amount": 100000,
      "direction": "Credit",
      "description": "Payment from Sandbox"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "depositAccount",
          "id": "42"
        }
      }
    }
  }
}'

Step 4 — Create a Virtual Debit Card

Create a virtual debit card on Peter's account.

Once created, virtual cards can be used for purchases right away.

curl -X POST 'https://api.s.unit.sh/cards'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "individualVirtualDebitCard",
    "attributes": {
      "idempotencyKey": "3a1a33be-4e12-4603-9ed0-820922389fb8",
      "limits": {
        "dailyWithdrawal": 50000,
        "dailyPurchase": 50000,
        "monthlyWithdrawal": 500000,
        "monthlyPurchase": 700000
      }
    },
    "relationships": {
      "account": {
        "data": {
          "type": "depositAccount",
          "id": "42"
        }
      }
    }
  }
}'

Step 5 — Make a Card Purchase

In sandbox, card purchases are simulated — they debit the account like a real transaction.

Send the request below to simulate a $500 purchase at Amazon.

Use the last4Digits from the card on Peter's account.

curl -X POST 'https://api.s.unit.sh/sandbox/purchases'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "purchaseTransaction",
    "attributes": {
      "amount": 50000,
      "direction": "Debit",
      "merchantName": "Amazon",
      "merchantType": 1000,
      "last4Digits": "1234"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "depositAccount",
          "id": "42"
        }
      }
    }
  }
}'