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Unit
Embedded finance platform enabling tech companies to build bank accounts, cards, payments, and lending via APIs.
About Unit
Unit is an embedded finance platform that enables modern software companies to integrate banking services directly into their digital products. By pairing developer-first APIs with established partner banks, Unit provides the technological and compliance infrastructure needed to deliver financial products.
Through Unit, platforms can embed checking accounts, issue physical and virtual commercial cards, process ACH and wire transfers, and offer working capital financing. The platform also offers pre-built UI components, automated customer verification workflows, and integrated program management to help companies launch compliant embedded banking solutions.
Key Features
- Embedded Bank Accounts: Programmatic creation of individual and business checking, savings, and sub-accounts.
- Payment Rails Orchestration: Comprehensive support for standard ACH, same-day ACH, domestic wires, book transfers, and RTP.
- Card Issuing & Management: Virtual and physical card generation with custom spend controls and digital wallet tokenization.
- White-Label UI Components: Drop-in client SDKs and UI elements for account creation, card management, and transaction history.
- Automated Verification: Integrated KYC and KYB verification workflows to approve individual and business applications seamlessly.
- Embedded Credit & Lending: Built-in capabilities to offer invoice factoring, charge cards, and business cash advances.
Pricing
- Platform Subscription & Usage: Custom pricing/billing basis Unit provides customized enterprise pricing structures comprising monthly platform access fees, bank program management, and tiered per-transaction usage fees.
Use Cases
- Launching banking and spend management tools within vertical SaaS platforms
- Generating virtual cards for automated employee and contractor expense payouts
- Providing embedded business accounts and working capital lines to platform merchants
- Automating marketplace vendor payouts using integrated payment rails
Pros & Cons
Pros:
- Fast implementation using comprehensive developer documentation and pre-built UI components
- Broad product coverage including deposit accounts, card issuing, lending, and compliance
- Streamlined compliance workflows supported by partner bank oversight
Cons:
- Enterprise pricing and contract commitments required for full production access
- Dependent on partner bank approval and program policies for product launches
Integrations
Partner Banks, The Clearing House, Visa, Mastercard, Apple Pay, Google Pay
FAQ
What services does Unit provide?
Unit provides APIs and developer tools to embed checking accounts, debit cards, charge cards, money movement rails, and lending into software applications.
Are accounts created via Unit FDIC-insured?
Yes, customer deposits are held at regulated partner banks where funds are eligible for pass-through FDIC insurance.
What payment rails are supported by Unit?
Unit supports ACH (next-day and same-day), domestic wire transfers, RTP instant payments, and internal book transfers.
Can businesses issue physical debit cards using Unit?
Yes, Unit supports both virtual and physical card issuing, custom card embossing, and digital wallet integration with Apple Pay and Google Pay.
Does Unit provide pre-built user interfaces?
Yes, Unit offers white-label components that developers can embed directly into their applications to handle account setup and card displays.
How does Unit handle onboarding compliance?
Unit includes integrated KYC and KYB application flows to automatically verify identity and business credentials against regulatory databases.
Can platforms offer credit or lending through Unit?
Yes, Unit provides lending modules supporting revolving credit lines, charge cards, and business financing solutions.
Last edited
November 2, 2026 at 9:02 AM by Venkatraman Chandrasekaran
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