Embedded Components Implementation

This section helps you launch a merchant cash advance program by adding prebuilt components into your platform's UI.

Configuring Payment Processor Settings

Configure your payment processor settings through the Unit Dashboard to provide anonymized data for prequalification and underwriting of merchant cash advance offers. You can add multiple processors if you would like Unit to evaluate income data from multiple sources when generating offers.

To configure your payment processor settings:

Navigate to Settings from the top menu under the Developer section.
Select the Payment Processing tab.
Select your Vendor from the dropdown.
Enter your API key (your payment processor secret key).
Enter your Webhook secret (your payment processor webhook signing secret).
Click Save to apply your settings.

Required Settings

Setting	Required	Description
Vendor	Yes	Select your payment processor.
API key	Yes	Your payment processor API key (secret key). This is required for Unit to pull anonymized processing data to prequalify and generate merchant cash advance offers for your customers.
Webhook secret	Yes	Your payment processor webhook signing secret. This is required to verify incoming webhook events, understand when your customer receives a sales payout, and calculate/collect payments on active merchant cash advances.

Creating Prequalified Offers

Create prospects to identify the population of businesses that you would like Unit to prequalify for a merchant cash advance offer.

To create a prospect, you must provide a JWT subject and payment processor account details (e.g., the customer's connected account ID on Stripe). You have the option to provide additional anonymized data that helps Unit more accurately assess eligibility and size offers.

Create Prospect

Verb	`POST`
URL	`https://api.s.unit.sh/capital/prospects`
Data Type	`prospect`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
prospectType Required	string	Type of prospect. Currently only `Business` is supported.
idempotencyKey Required	string	Unique key to ensure idempotent requests.
jwtSubject Required	string	Unique identifier for the end customer on your side.
paymentProcessorAccounts Required	array	A list of payment processor accounts associated with this prospect. See Payment Processor Accounts.
establishmentDate Optional	RFC3339 Date string	Date the business was established (e.g. `2014-01-28`).
naicsCode Optional	string	6-digit business NAICS code.
businessStructure Optional	string	Legal entity type of the business. One of `LLC`, `Sole Proprietor`, `S Corporation`, `C Corporation`. Helps Unit assess eligibility and suppress offers for ineligible entity types.
businessState Optional	string	Two-letter US state code where the business is located (e.g. `CA`). Helps Unit assess eligibility and suppress offers for businesses in ineligible states.
tags Required	object	See Tags.

Payment Processor Accounts

An array of payment processor account objects. Each object identifies a single account on a specific processor.

Name	Type	Description
type Required	string	The payment processor. Currently only `Stripe` is supported.
accountId Required	string	The account ID associated with the prospect on this processor (e.g. their Stripe connected account ID).

Example Request:

curl -X POST 'https://api.s.unit.sh/capital/prospects'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "prospect",
    "attributes": {
      "prospectType": "Business",
      "idempotencyKey": "3a1a33be-4e12-4603-9ed0-820922389fb8",
      "jwtSubject": "2ab1f266-04b9-41fb-b728-cd1962bca52c",
      "paymentProcessorAccounts": [
        {
          "type": "Stripe",
          "accountId": "acct_1aBcDeFgHiJkLmN"
        }
      ],
      "establishmentDate": "2001-08-10",
      "naicsCode": "541511",
      "businessStructure": "LLC",
      "businessState": "CA"
    }
  }
}'

Response

Response is a JSON:API document.

201 Created

Prospect is a JSON:API resource, top-level fields:

Name	Type	Description
id Required	string	Identifier of the prospect resource.
type Required	string	Type of the prospect resource.
attributes Required	JSON Object	JSON object representing the prospect data.

Attributes

Name	Type	Description
createdAt Required	RFC3339 Date string	The date the resource was created (e.g. `2022-02-23T12:15:47.386Z`).
prospectType Required	string	Type of prospect. Currently only `Business` is supported.
paymentProcessorAccounts Required	array	A list of payment processor accounts associated with this prospect.
establishmentDate Optional	RFC3339 Date string	Date the business was established (e.g. `2014-01-28`).
naicsCode Optional	string	6-digit business NAICS code.
businessStructure Optional	string	Legal entity type of the business.
businessState Optional	string	Two-letter US state code where the business is located.
tags Required	object	See Tags.

Example response:
{
  "data": {
    "type": "prospect",
    "id": "7345432",
    "attributes": {
      "createdAt": "2022-02-23T12:15:47.386Z",
      "prospectType": "Business",
      "paymentProcessorAccounts": [
        {
          "type": "Stripe",
          "accountId": "acct_1aBcDeFgHiJkLmN"
        }
      ],
      "establishmentDate": "2001-08-10",
      "naicsCode": "541511",
      "businessStructure": "LLC",
      "businessState": "CA"
    }
  }
}

When a prospect is created, Unit will immediately evaluate the last six months of processing data for the business, as well as any additional data provided on the business, and determine if prequalified offers can be generated.

Create Bulk Prospects

To create multiple prospects in a single request, use the bulk endpoint. Processing is asynchronous — the batch is created immediately with a Pending status and transitions to Completed once all prospects have been ingested.

The endpoint accepts two formats, selected by the Content-Type header.

JSON

Verb	`POST`
URL	`https://api.s.unit.sh/capital/prospects/bulk`
Data Type	`bulkProspects`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
idempotencyKey Required	string	Unique key (1–255 chars) to ensure idempotent requests.
prospects Required	array	Array of prospect objects. At least 1 item required.
tags Optional	object	See Tags. Applied to the bulk batch.

Each prospect object in the prospects array:

Name	Type	Description
prospectType Required	string	Type of prospect. Currently only `Business` is supported.
jwtSubject Required	string	Unique identifier for the end customer on your side (1–255 chars). Must be unique within the batch.
paymentProcessorAccounts Required	array	Non-empty array of `{type, accountId}` objects. Currently only `Stripe` is supported as `type`.
businessName Optional	string
businessContact Optional	object	`fullName` (first/last), `email`, and `phone` (countryCode/number).
establishmentDate Optional	RFC3339 Date string	Date the business was established (e.g. `2014-01-28`).
businessStructure Optional	string	One of: `Corporation`, `LLC`, `Partnership`, `PubliclyTradedCorporation`, `PrivatelyHeldCorporation`, `NotForProfitOrganization`, `SoleProprietor`.
businessState Optional	string	Two-letter US state code.

Example Request:

curl -X POST 'https://api.s.unit.sh/capital/prospects/bulk'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "bulkProspects",
    "attributes": {
      "idempotencyKey": "bulk-2026-06-23-001",
      "prospects": [
        {
          "prospectType": "Business",
          "jwtSubject": "partner-user-abc123",
          "paymentProcessorAccounts": [
            {
              "type": "Stripe",
              "accountId": "acct_1234567890"
            }
          ],
          "businessName": "Acme LLC",
          "establishmentDate": "2014-01-01",
          "businessStructure": "LLC",
          "businessState": "CA",
          "businessContact": {
            "fullName": {
              "first": "Jane",
              "last": "Doe"
            },
            "email": "jane@acme.com",
            "phone": {
              "countryCode": "1",
              "number": "5551234567"
            }
          }
        },
        {
          "prospectType": "Business",
          "jwtSubject": "partner-user-def456",
          "paymentProcessorAccounts": [
            {
              "type": "Stripe",
              "accountId": "acct_sample_002"
            }
          ],
          "businessName": "Riverside Catering Co.",
          "establishmentDate": "2018-03-15",
          "businessStructure": "SoleProprietor",
          "businessState": "CA",
          "businessContact": {
            "fullName": {
              "first": "Marcus",
              "last": "Rivera"
            },
            "email": "marcus@riversidecatering.com",
            "phone": {
              "countryCode": "1",
              "number": "4155550192"
            }
          }
        }
      ]
    }
  }
}'

201 Created

bulkProspects is a JSON:API resource, top-level fields:

Name	Type	Description
id Required	string	Identifier of the bulk prospects batch.
type Required	string	`bulkProspects`
attributes Required	object	See below.
relationships Required	object	`org` relationship.

Attributes

Name	Type	Description
createdAt Required	RFC3339 Date string	The date the batch was created.
status Required	string	`Pending` while prospects are being processed; `Completed` once all prospects have been ingested.
tags Required	object	See Tags.

Example response:
{
  "data": {
    "type": "bulkProspects",
    "id": "1",
    "attributes": {
      "createdAt": "2024-06-01T12:00:00Z",
      "status": "Pending",
      "tags": {}
    },
    "relationships": {
      "org": {
        "data": {
          "type": "org",
          "id": "1"
        }
      }
    }
  }
}

CSV

Send the raw CSV file bytes (not base64, not multipart) with the following headers:

Header	Value
`Content-Type`	`text/csv`
`file-name`	Filename of the CSV (e.g. `prospects.csv`)

The response is the same 201 Created bulkProspects resource described above.

Format

The first row must be a header row. Columns must appear in the following order:

jwtSubject,prospectType,businessName,establishmentDate,businessStructure,businessState,contactFirstName,contactLastName,contactEmail,contactPhoneCountryCode,contactPhoneNumber,paymentProcessorAccounts

Note

Column order is required. Additional columns are ignored; missing required columns return a 400.

Column reference:

Column	Index	Type	Required	Notes
`jwtSubject`	0	string	Yes	1–255 chars. Unique identifier for the end customer on your side. Must be unique within the file.
`prospectType`	1	string	Yes	Must be `Business`.
`businessName`	2	string	No
`establishmentDate`	3	date	No	RFC 3339 full-date, e.g. `2020-06-01`.
`businessStructure`	4	string	No	One of: `Corporation`, `LLC`, `Partnership`, `PubliclyTradedCorporation`, `PrivatelyHeldCorporation`, `NotForProfitOrganization`, `SoleProprietor`.
`businessState`	5	string	No	Two-letter US state code.
`contactFirstName`	6	string	No
`contactLastName`	7	string	No
`contactEmail`	8	string	No
`contactPhoneCountryCode`	9	string	No	Must be provided together with `contactPhoneNumber`, or both empty.
`contactPhoneNumber`	10	string	No	Must be provided together with `contactPhoneCountryCode`, or both empty.
`paymentProcessorAccounts`	11	JSON	Yes	Non-empty JSON-encoded array of `{type, accountId}`. Currently only `Stripe` is supported as `type`.

The paymentProcessorAccounts column contains a JSON array encoded inside a quoted CSV cell. Inner double-quotes are doubled per the CSV spec:

"[{""type"":""Stripe"",""accountId"":""acct_1234567890""}]"

Sample

jwtSubject,prospectType,businessName,establishmentDate,businessStructure,businessState,contactFirstName,contactLastName,contactEmail,contactPhoneCountryCode,contactPhoneNumber,paymentProcessorAccounts
partner-user-abc123,Business,Acme LLC,2014-01-01,LLC,CA,Jane,Doe,jane@acme.com,1,5551234567,"[{""type"":""Stripe"",""accountId"":""acct_1234567890""}]"

Validation errors

If any rows fail parsing, the API returns 400 with a message listing up to 20 per-line errors:

Failed to parse bulk prospects file [prospects.csv]
line 2: jwtSubject must not be empty
line 3: paymentProcessorAccounts must not be empty
line 4: contactPhoneCountryCode and contactPhoneNumber must both be provided or both be empty

If the file has fewer than 12 columns:

Expected at least 12 columns, but got N

If every row in the file is invalid:

All of file [prospects.csv] rows are invalid, please check you have the right columns in the right order

Retrieve Bulk Prospects Batch

Verb	`GET`
URL	`https://api.s.unit.sh/capital/prospects/bulk/{id}`
Data Type	`bulkProspects`
Timeout (Seconds)	`5`

Returns the bulkProspects resource by ID. Poll until status is Completed to confirm all prospects in the batch have been ingested.

Name	Type	Description
id Required	path	ID of the bulk prospects batch returned when the batch was created.

Surfacing Prequalified Offers to Businesses

Embed unit-elements-capital-prequalification to surface merchant cash advance offers at high-intent moments across your platform — in dashboards, sidebars, home screens, or dedicated financing tabs. The component renders only when a customer has an active Prequalified offer; for Rejected and Expired statuses it renders nothing and takes up no space.

Set product-type="MerchantCashAdvance" and choose a display mode via mca-display-type:

Slider — an interactive amount selector with a live quote and an Apply Now CTA.
Banner — 10 layout options × 2 content variants for promotional placements across your platform.

Embedding the component in multiple locations — dashboards, payment pages, revenue views — increases visibility and drives adoption.

Note

A prospect must exist for the customer before the component will render.

Slider

🔍Click to view

Click to view full preview

The slider lets the customer select a desired advance amount within their prequalified range. As the amount changes, a live quote updates with the repayment rate, fixed fee, and total payment. Clicking Apply Now fires unitCapitalPrequalifiedSliderApplyNowClicked — listen for this event to navigate the customer to the full application.

<unit-elements-capital-prequalification
	jwt-token="demo.jwt.token"
	product-type="MerchantCashAdvance"
	mca-display-type="slider"
></unit-elements-capital-prequalification>

Note demo.jwt.token is a real value you can use to preview the component without any setup.

Banners

Banners are promotional placements you embed outside the main capital flow — in dashboards, sidebars, or home screens. For outreach emails, use a static image that links to a page where the component is embedded. Each banner shows a View Offer CTA. When clicked:

If redirect-url is set, the customer is taken to that URL.
Otherwise, the component switches internally to the slider.

Two content variants apply to all banner types via banner-variant:

funding — promotes the product to a customer who hasn't yet engaged.
prequalified — celebrates the prequalification and shows the customer's personalized offer amount.

Click to view full preview

Attributes

<unit-elements-capital-prequalification
	jwt-token="demo.jwt.token"
	product-type="MerchantCashAdvance"
	mca-display-type="banner"
	banner-type="promo"
	banner-variant="prequalified"
	show-close-icon="true"
	redirect-url="https://your-app.example.com/capital"
></unit-elements-capital-prequalification>

Attribute	Type	Description
`jwt-token`	string	JWT for authenticating API calls. Required.
`product-type`	string	Must be `MerchantCashAdvance` for the MCA path.
`mca-display-type`	string	`slider` (default) or `banner`.
`banner-type`	string	Banner layout when `mca-display-type="banner"`. One of `slim`, `promo`, `promo-compact`, `inline`, `inline-compact`, `sidebar-illustrated`, `sidebar-plain`, `sidebar-compact`, `hero`, `hero-compact`. Defaults to `promo`.
`banner-variant`	string	Content variant. `funding` (default) or `prequalified`.
`show-close-icon`	boolean	Show a dismiss button on the banner. Optional, defaults to `false`. The dismiss click is not handled internally — add a listener on the host element if you need close behavior.
`redirect-url`	string	If set, clicking View Offer navigates to this URL instead of switching to the slider. Optional.
`customer-token`	string	Optional. When provided, the slider uses it to fetch quote data instead of the JWT. Does not affect prequalification status or rendering.

Click events

Events are dispatched on the host element. Listen to respond to user interactions.

Event	Fired when	Detail
`unitCapitalPrequalifiedOfferViewed`	Slider mounts / prequalification data loads	`{ productType, minimumAdvanceAmount, maximumAdvanceAmount, status, customerId }`
`unitCapitalPrequalifiedOfferSliderMoved`	User moves the slider	`{ amount, customerId }`
`unitCapitalPrequalifiedSliderApplyNowClicked`	User clicks Apply Now on the slider	`null`
`unitCapitalPrequalifiedBannerViewOfferClicked`	User clicks View Offer on a banner	`{ route: string }`

Example — navigating to the application when a customer clicks Apply Now:

<unit-elements-capital-prequalification
  jwt-token="demo.jwt.token"
  product-type="MerchantCashAdvance"
  mca-display-type="slider"
></unit-elements-capital-prequalification>
<script>
  document
    .querySelector('unit-elements-capital-prequalification')
    .addEventListener('unitCapitalPrequalifiedSliderApplyNowClicked', function () {
      window.location.href = 'https://your-app.example.com/capital/apply';
    });
</script>

To customize the appearance of the component, see Theming options.

Embedding Financing in Your Platform

Embed the Managed Solution component to allow customers to apply for financing and manage their financing after they accept an offer, directly in your platform's UI.

Note

If you are currently using Unit's Managed Banking and/or Bill Pay product(s), you've already completed this step! Managed Capital will appear to your customers alongside their other products in an all-in-one experience.

Customers can:

Complete an application
Accept a final offer and sign terms
View their payment progress
Monitor transaction history
Make payments
View their signed agreement and disclosures

The component displays content dynamically based on the customer's financing status:

Active prequalified offer: Displays offer details and a prompt for the customer to start an application.
Active application: Displays the in-progress application for the customer to complete and submit.
Active final offer: Displays the final offer terms for the customer to review, accept, and sign.
Active financing: Displays the customer's active financing, including payment progress, transaction history, and options to make payments or view their signed agreement.

Embedding

5 minutes

If you have not done so already, embed the component into your app.

Add the script tag below to your HTML header

<script async src="https://ui.s.unit.sh/release/latest/components-extended.js"></script>

Note

In the production environment, use https://ui.unit.co/release/latest/components-extended.js as the script source.

Add a new page to your app that will host Managed Capital (for example, a dedicated Financing page). Paste the code below to the new page.

<unit-elements-white-label-app jwt-token="demo.jwt.token"></unit-elements-white-label-app>

You may choose to create unit-elements-white-label-app dynamically using JavaScript:

<html>
  <head>
    <script
      async
      src="https://ui.s.unit.sh/release/latest/components-extended.js"
    ></script>
  </head>
  <body>
    <div id="unit-app-placeholder"></div>
    <script>
      const unit = document.createElement("unit-elements-white-label-app");
      unit.setAttribute("jwt-token", "demo.jwt.token");
      document.querySelector("#unit-app-placeholder").append(unit);
    </script>
  </body>
</html>

Authentication

Up to 2 hours

In order to seamlessly authenticate with the component, you need to pass it a JWT, that allows us to identify your user and verify that they are logged in.

Unit will not ask the user to log in using a separate set of credentials. However, before performing any sensitive banking activities, we will OTP the user.

In sandbox, please use code 000001 to complete the OTP.

Configuring your identity provider

20 minutes

If your identity provider (or your own implementation) exposes a JWKS path (for example, Okta, Auth0, AWS Cognito, or Stytch), follow the steps below. If not, follow the steps in Unit's Custom JWT Authentication Guide.

Log into Unit's dashboard.

Under Developer, go to Settings.
In the Authentication tab, choose your identity provider from the Provider dropdown.
Paste the JWKS path into the JWKS field.

Passing The JWT

10 minutes

Pass your JWT to the component (see example below), replacing the static token that was previously there.

<unit-elements-white-label-app jwt-token="{{JwtToken}}"></unit-elements-white-label-app>

Cleanup

10 minutes

The component will use 2 keys in local storage: unitCustomerToken and unitVerifiedCustomerToken. It's important to clean them up when the user logs out from your app, or after 24 hours, whichever comes first.

localStorage.removeItem("unitCustomerToken");
localStorage.removeItem("unitVerifiedCustomerToken");

Suggestion

Starting from version 4.2.0, tokens are stored in memory rather than localStorage. If you are using version 4.2.0 or later, you no longer need to manually remove these keys on logout.

Content Security Policy

10 minutes

If you are using a Content-Security-Policy (CSP) header, you may need to extend it to allow the web components and third-party integrations (such as Zendesk and Plaid) to work correctly.

Add the following <meta> tag:

<meta
  http-equiv="Content-Security-Policy"
  content="
    connect-src 'self'
      https://*.s.unit.sh
      https://*.unit.co
      https://*.zdassets.com
      https://*.zendesk.com
      https://cdn.plaid.com
      https://*.au10tixservices.com;
    script-src 'self'
      https://*.zdassets.com
      https://*.zendesk.com
      https://cdn.plaid.com
      https://*.au10tixservices.com;
    frame-src 'self'
      https://*.zendesk.com
      https://cdn.plaid.com
      https://*.au10tixservices.com;
  "
/>

Configuring Payment Processor Settings​

Creating Prequalified Offers​

Create Prospect​

Attributes​

Payment Processor Accounts​

Response​

201 Created​

Attributes​

Create Bulk Prospects​

JSON​

Attributes​

201 Created​

Attributes​

CSV​

Format​

Sample​

Validation errors​

Retrieve Bulk Prospects Batch​

Surfacing Prequalified Offers to Businesses​

Slider​

Banners​

Slim​

Funding​

Prequalified​

Promo​

Funding​

Prequalified​

Promo Compact​

Funding​

Prequalified​

Inline​

Funding​

Prequalified​

Inline Compact​

Funding​

Prequalified​

Sidebar Illustrated​

Funding​

Prequalified​

Sidebar Plain​

Funding​

Prequalified​

Sidebar Compact​

Funding​

Prequalified​

Hero​

Funding​

Prequalified​

Hero Compact​

Funding​

Prequalified​

Attributes​

Click events​

Embedding Financing in Your Platform​

Embedding​

Authentication​

Configuring your identity provider​

Passing The JWT​

Cleanup​

Content Security Policy​

Configuring Payment Processor Settings

Creating Prequalified Offers

Create Prospect

Attributes

Payment Processor Accounts

Response

201 Created

Attributes

Create Bulk Prospects

JSON

Attributes

201 Created

Attributes

CSV

Format

Sample

Validation errors

Retrieve Bulk Prospects Batch

Surfacing Prequalified Offers to Businesses

Slider

Banners

Slim

Funding

Prequalified

Promo

Funding

Prequalified

Promo Compact

Funding

Prequalified

Inline

Funding

Prequalified

Inline Compact

Funding

Prequalified

Sidebar Illustrated

Funding

Prequalified

Sidebar Plain

Funding

Prequalified

Sidebar Compact

Funding

Prequalified

Hero

Funding

Prequalified

Hero Compact

Funding

Prequalified

Attributes

Click events

Embedding Financing in Your Platform

Embedding

Authentication

Configuring your identity provider

Passing The JWT

Cleanup

Content Security Policy