Move money inside your product

Build on the platform powering over $100B in annual transaction volume

post

/ payments

curl -X POST 'https://api.s.unit.sh/payments' -H 'Content-Type: application/vnd.api+json' -H 'Authorization: Bearer ${TOKEN}' --data-raw '{ "data": { "type": "achPayment", "attributes": { "amount": 10000, "direction": "Credit", "description": "Funding" }, "relationships": { "account": { "data": { "type": "account", "id": "555" } }, "counterparty": { "data": { "type": "counterparty", "id": "4567" } } } } }'

{ "data": { "type": "achPayment", "id": "50", "attributes": { "createdAt": "2020-01-13T16:01:19.346Z", "status": "Pending", "reason": null, "counterparty": { "routingNumber": "812345678", "accountNumber": "12345569", "accountType": "Checking", "name": "Jane Doe" }, "description": "Funding", "direction": "Credit", "amount": 10000, "tags": { "purpose": "internal" } }, "relationships": { "account": { "data": { "type": "depositAccount", "id": "555" } }, "customer": { "data": { "type": "individualCustomer", "id": "99823" } }, "counterparty": { "data": { "type": "counterparty", "id": "4567" } } } } }

Originate an ACH credit for a customer

Send ACH payments from a customer account through your product

Originate standard or Same-Day ACH credits

Set SEC codes and payment details through the API

Track settlement, trace numbers, and raw return codes like R01-R04

Add custom tags to any object, like "payment_purpose" = "repayment"

View docs

post

/ payments

curl -X POST 'https://api.s.unit.sh/payments' -H 'Content-Type: application/vnd.api+json' -H 'Authorization: Bearer ${TOKEN}' --data-raw '{ "data": { "type": "realtimePayment", "attributes": { "amount": 500000, "direction": "Credit", "counterparty": { "routingNumber": "812345673", "accountNumber": "12345569", "accountType": "Checking", "name": "Acme Corporation" }, "description": "Realtime Payment" }, "relationships": { "account": { "data": { "type": "account", "id": "555" } } } } }'

{ "data": { "type": "realtimePayment", "id": "50", "attributes": { "createdAt": "2026-01-13T16:01:19.346Z", "status": "Pending", "counterparty": { "routingNumber": "812345673", "accountNumber": "12345569", "accountType": "Checking", "name": "Acme Corporation" }, "description": "Realtime Payment", "direction": "Credit", "amount": 500000, "tags": { "purpose": "internal" } }, "relationships": { "account": { "data": { "type": "depositAccount", "id": "555" } }, "customer": { "data": { "type": "businessCustomer", "id": "99823" } } } } }

Send and receive real-time payments

Move money in seconds, 24/7/365, through Unit’s direct connection to The Clearing House RTP network.

Verify recipient bank eligibility before sending

Receive payments with sender and remittance details

Track payment status, rejects, and returns through webhooks

View docs

post

/ payments

curl -X POST 'https://api.s.unit.sh/check-payments' -H 'Content-Type: application/vnd.api+json' -H 'Authorization: Bearer ${TOKEN}' --data-raw '{ "data": { "type": "checkPayment", "attributes": { "amount": 25000, "counterparty": { "name": "Acme Supplies Co.", "address": { "street": "20 Ingram St", "city": "Forest Hills", "state": "NY", "postalCode": "11375", "country": "US" } }, "memo": "Invoice 1842", "sendAt": "2026-10-07T12:00:00Z" }, "relationships": { "account": { "data": { "type": "depositAccount", "id": "555" } } } } }'

{ "data": { "type": "checkPayment", "id": "10000", "attributes": { "createdAt": "2023-09-01T12:50:00.704Z", "updatedAt": "2023-09-01T12:50:00.704Z", "amount": 1000, "status": "New", "description": "October paycheck", "memo": "October paycheck", "sendAt": "2023-09-10T12:50:00.704Z", "originated": true, "isAccountClosureCheck": false, "counterparty": { "name": "April Oneil", "address": { "street": "20 Ingram St", "city": "Forest Hills", "state": "CA", "postalCode": "11375", "country": "US" } } }, "relationships": { "account": { "data": { "type": "depositAccount", "id": "123456" } }, "customer": { "data": { "type": "customer", "id": "5678" } } } } }

Send and deposit physical checks

Originate, deposit, and manage checks directly from your product.

Originate and schedule print-and-mail checks

Accept check deposits via mobile capture or lockbox

Track production, delivery, clearing, rejects and returns via webhooks

Protect accounts with Positive Pay and check stop payments

View docs

post

/ payments

curl -X POST 'https://api.s.unit.sh/payments' -H 'Content-Type: application/vnd.api+json' -H 'Authorization: Bearer ${TOKEN}' --data-raw '{ "data": { "type": "wirePayment", "attributes": { "amount": 200, "direction": "Credit", "description": "Wire payment", "counterparty": { "name": "April Oniel", "routingNumber": "812345678", "accountNumber": "1000000001", "address": { "street": "20 Ingram St", "city": "Forest Hills", "state": "CA", "postalCode": "11375", "country": "US" } } }, "relationships": { "account": { "data": { "type": "depositAccount", "id": "10000" } } } } }'

{ "data": { "type": "wirePayment", "id": "1135", "attributes": { "createdAt": "2021-08-30T12:19:18.639Z", "amount": 200, "direction": "Credit", "description": "Wire payment", "counterparty": { "name": "April Oniel", "routingNumber": "812345678", "accountNumber": "1000000001", "address": { "street": "20 Ingram St", "city": "Forest Hills", "state": "CA", "postalCode": "11375", "country": "US" } }, "status": "Pending" }, "relationships": { "account": { "data": { "type": "account", "id": "10000" } }, "customer": { "data": { "type": "customer", "id": "10000" } }, "customers": { "data": [ { "type": "customer", "id": "10000" } ] }, "transaction": { "data": { "type": "transaction", "id": "4" } } } } }

Send a domestic wire over Fedwire

Originate wires and retain network-level visibility

Submit beneficiary and payment instructions via API

Track review, processing, and sent states

Access Fedwire IMAD and OMAD identifiers

View docs

post

/ payments

curl -X POST 'https://api.s.unit.sh/payments' -H 'Content-Type: application/vnd.api+json' -H 'Authorization: Bearer ${TOKEN}' --data-raw '{ "data": { "type": "internationalPayment", "attributes": { "purpose": "Travel", "sourceOfFunds": "PersonalSavings", "description": "Travel expenses for trip to Berlin", "idempotencyKey": "international-payment-001" }, "relationships": { "quote": { "data": { "type": "quote", "id": "300" } }, "account": { "data": { "type": "depositAccount", "id": "5000" } } } } }'

{ "data": { "type": "internationalPayment", "id": "400", "attributes": { "status": "Pending", "direction": "Credit", "sourceAmount": 10850, "sourceCurrency": "USD", "destinationAmount": 10000, "destinationCurrency": "EUR", "destinationCountry": "DE", "purpose": "Travel", "sourceOfFunds": "PersonalSavings", "description": "Travel expenses for trip to Berlin", "createdAt": "2024-01-15T10:10:00.000Z", "updatedAt": "2024-01-15T10:10:00.000Z" }, "relationships": { "account": { "data": { "type": "depositAccount", "id": "5000" } }, "counterparty": { "data": { "type": "swiftCounterparty", "id": "200" } }, "quote": { "data": { "type": "quote", "id": "300" } }, "customers": { "data": [ { "type": "businessCustomer", "id": "1000" } ] }, "transaction": { "data": { "type": "originatedInternationalTransaction", "id": "6001" } } } } }

Send money internationally

Originate international payments to 190+ countries over the SWIFT network

Create quotes with locked FX rates, fees, and recipient amounts

Add beneficiaries using SWIFT/BIC and account or IBAN details

Track payment status and structured return events through completion

View docs

Complete payment tracking

Track payment status, clearing, rejects, returns, and transaction state in real time

Network-level data

Access ACH trace numbers, raw return codes, and Fedwire IMAD/OMAD identifiers

Reusable counterparties

Save external bank details once and reuse them for recurring payments

Custom metadata

Add tags to payments, carry them into transactions, and filter records using your own identifiers

Program customization

Control daily and monthly limits and set fees by customer segment or use case

Real-time webhooks

Trigger product and operational workflows from payment, reject, transaction, and return events

Payment risk controls

Configure ACH debit clearing periods, Positive Pay, and stop payments

Check controls

Catch duplicate and unendorsed checks instantly and returned checks

Manage payables and receivables in your product

Let customers pay bills and collect invoice payments without leaving your product. Support incoming and outgoing payments through the same API, ledger, and dashboard.

Collect check payments through a link, without waiting for checks in the mail

Collect one-time and recurring payments by ACH debit

Enable free, instant book payments between accounts on your network

Disburse payments at scale

Pay sellers, contractors, and suppliers through your product. Build routing rules around each payout’s destination, cost, and required arrival time.

Send payments by ACH, RTP, wire, check, or SWIFT to 190+ countries and territories

Track payment status and network events in real time

Track mailed checks through delivery

Build on real infrastructure

Explore the platform

FreshBooks uses Unit to bring bill pay directly into its core product

ACH

Same-Day ACH

Checks

“Unit’s support allowed us to focus our efforts on the product go-to-market, while helping us launch a minimum lovable product, not just a minimum viable product.”