Issue cards inside your product

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

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

Issue cards to businesses and consumers, directly in your product.

Issue physical or virtual cards programmatically

Create cards for individual cardholders

Attach each card directly to its underlying account

View docs

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 individual 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

Apply your own business logic to 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

View docs

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.

Configurable charge cards

Offer pay-in-full credit with 7, 14, or 30 day repayment cycles

Revolving credit cards

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.

Custom 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.

Supported integrations

Let customers push cards to Apple / Google Wallet. Provide access to 55,000+ ATMs.

Control spend with programmatic authorization

Decide in real time how each card can be used. Apply your own authorization logic before a transaction is approved, with controls that can vary by card, customer or use case.

Approve or decline transactions programmatically

Set spend limits and merchant controls

Update card controls dynamically

Build card-based payment workflows

Issue physical or virtual cards for everyday spend, vendor payments or faster access to funds. Configure the card experience around how your customers need to spend.

Generate physical or virtual cards on demand

Create virtual cards for one-time or recurring payments

Reward customers based on how they spend

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

Wallets (FBO)

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.”