Applications

Unit offers a short, low-friction, non-documentary application process - most applications will be approved in under five seconds. In some cases Unit detects an exception in the application process (e.g. a phone number mismatch), and certain documents are required in order to make a decision.

Unit will let you know exactly what documents to require from the customer, and once they are provided (via an API call), the application will either be approved automatically or manually reviewed by us (under an SLA of two business hours).

For more information on applications including specific details about application statuses and flow, see our End-Customer Applications Guide

Application Statuses

The final statuses for an application are Approved, Denied or Canceled. Once an application is approved, a Customer resource will be created and associated with the application resource. The new created customer resources will be referenced in the relationships object.

In most cases, an application will reach one of these final statuses immediately after creation, without requiring any documents.

In some cases, documents will be required and the application will enter an AwaitingDocuments status. Once you upload all the required documents, Unit will use the information provided to approve or deny the application. The decision may take seconds in some cases and up to two hours in other cases (when a manual review is required). Once the process is complete, you will receive a webhook containing the result.

An application can also be evaluated asynchronously, in which case its status will be Pending as long as the evaluation process is running. Once the process is complete, the status will change to either Approved, Denied or AwaitingDocuments and the relevant webhook event will be fired (see Pending status description below)

There is an option to Cancel Application at any point that is not Approved or Denied. The status of the application will change to Canceled, and the relevant webhook event will be fired.

Below is a diagram describing the lifecycle of an application:

Below are all application statuses and their descriptions:

Status	Description
`AwaitingDocuments`	Certain documents are required for the process to continue. You may upload them via Upload Document.
`PendingReview`	The application is pending review by Unit (with an SLA of 2 business hours).
`Pending`	The application is being evaluated asynchronously and a result should be available shortly. Listen for webhooks (application.denied, customer.created) and application.awaitingdocuments) for the final result, or periodically query the application with Get by Id).
`Approved`	The application was approved. A `Customer` resource was created.
`Denied`	The application was denied. A `Customer` resource will not be created.
`Canceled`	The application was сanceled. A `Customer` resource will not be created.

Device Fingerprints

A Device fingerprint is a way to combine certain attributes of a device (operating system, IP address, device language settings etc.) in order to identify unique devices.

Unit partners with select providers to detect and prevent potential fraud. To enjoy improved protection, you must add the device fingerprint to new application.

Providers

Name	Description
Iovation	The Iovation (TransUnion TruValidate) device fingerprint string is called a "blackbox", the blackbox can be generated using their Android SDK, iOS SDK, or Web SDK.

Create Individual Application

Create an application for an individual end-customer.

info

The SSN (or passport number, for non US citizens) is used as the unique identifier for an individual on Unit. The same identifier cannot be used to submit multiple applications. If an application for a certain individual has been denied, canceled or archived, they may use their SSN/passport number to reapply. Otherwise, duplicate applications will result in an HTTP error (400).

This functionality can be enabled/disabled on Unit dashboard at: Settings -> Org Settings -> General -> Prevent duplicate individual applications.

Verb	`POST`
Url	`https://api.s.unit.sh/applications`
Required Scope	`applications-write`
Data Type	`individualApplication`
Timeout (Seconds)	`120`

Attributes

Name	Type	Description
ssn	string	SSN (or ITIN) of the individual (numbers only). Either an `ssn` or `passport` is required. It is optional to provide only last 4 SSN digits.
passport	string	Passport number of the individual. Valid only for non-US persons. Either an `ssn` or `passport` number is required.
nationality	ISO31661-Alpha2 string	Required if a passport is used as the main ID. Two letters representing the individual nationality. (e.g. "US").
fullName	FullName	Full name of the individual.
dateOfBirth	RFC3339 Date string	Date only (e.g. `"2001-08-15"`).
address	Address	Address of the individual. Must be a US address.
phone	Phone	Phone number of the individual.
email	string	Email address of the individual.
evaluationParams	EvaluationParams	Optional. Evaluation Params for this entity.
occupation	Occupation	Occupation of the individual.
annualIncome	AnnualIncome	Required if nationality is not US. Annual income of the individual.
sourceOfIncome	SourceOfIncome	Required if nationality is not US. Source of income of the individual.
ip	string	Optional. IP address of the end-customer creating the application. Both IPv4 and IPv6 formats are supported. Highly recommended as a fraud prevention measure, if the information is available when submitting the application.
tags	object	Optional. See Tags. Tags that will be copied to the customer that this application creates (see Tag Inheritance).
idempotencyKey	string	Optional. See Idempotency.
deviceFingerprints	Array of Device Fingerprint	Optional. A list of device fingerprints for fraud and risk prevention (See Device Fingerprints).
jwtSubject	string	Optional. See this section for more information.
banks	Array of Bank names	Optional. The name of the bank or banks that should be associated with this application. If not specified, the application will be associated with the Org's default bank (visible via Org Settings in the Dashboard).

Example Request:
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"
    }
  }
}'

Response

Response is a JSON:API document.

201 Created

Field	Type	Description
data	IndividualApplication	The newly created resource.
included	Array of ApplicationDocument Resource	Required documents for this application. Each document resource includes the document status.

Example Response:
{
  "data": {
    "type": "individualApplication",
    "id": "53",
    "attributes": {
      "createdAt": "2020-01-14T14:05:04.718Z",
      "fullName": {
        "first": "Peter",
        "last": "Parker"
      },
      "ssn": "721074426",
      "address": {
        "street": "20 Ingram St",
        "street2": null,
        "city": "Forest Hills",
        "state": "NY",
        "postalCode": "11375",
        "country": "US"
      },
      "dateOfBirth": "2001-08-10",
      "email": "peter@oscorp.com",
      "phone": {
        "countryCode": "1",
        "number": "5555555555"
      },
      "status": "AwaitingDocuments",
      "ip": "127.0.0.2",
      "occupation": "ArchitectOrEngineer",
      "annualIncome": "Between50kAnd100k",
      "sourceOfIncome": "EmploymentOrPayrollIncome",
      "soleProprietorship": false,
      "tags": {
        "userId": "106a75e9-de77-4e25-9561-faffe59d7814"
      },
      "archived": false
    },
    "relationships": {
      "org": {
        "data": {
          "type": "org",
          "id": "1"
        }
      },
      "documents": {
        "data": [
          {
            "type": "document",
            "id": "1"
          },
          {
            "type": "document",
            "id": "2"
          }
        ]
      }
    }
  },
  "included": [
    {
      "type": "document",
      "id": "1",
      "attributes": {
        "documentType": "AddressVerification",
        "status": "Required",
        "name": "Peter Parker",
        "description": "Please provide a document to verify your address. Document may be a utility bill, bank statement, lease agreement or current pay stub.",
        "address": {
          "street": "20 Ingram St",
          "street2": null,
          "city": "Forest Hills",
          "state": "NY",
          "postalCode": "11375",
          "country": "US"
        }
      }
    },
    {
      "type": "document",
      "id": "2",
      "attributes": {
        "documentType": "IdDocument",
        "status": "Required",
        "name": "Peter Parker",
        "description": "Please provide a copy of your unexpired government issued photo ID which would include Drivers License or State ID.",
        "dateOfBirth": "2001-08-10"
      }
    }
  ]
}

Create Sole Proprietor Application

Create an application for a sole proprietor.

info

A sole proprietorship is a type of enterprise owned and run by one person, and in which there is no legal distinction between the owner and the business entity. As such, it is evaluated as an individual, with the soleProprietorship attribute set to true

info

This functionality can be enabled/disabled on Unit dashboard at: Settings -> Org Settings -> General -> Prevent duplicate individual applications.

Verb	`POST`
Url	`https://api.s.unit.sh/applications`
Required Scope	`applications-write`
Data Type	`individualApplication`
Timeout (Seconds)	`120`

Attributes

Name	Type	Description
ssn	string	SSN (or ITIN) of the individual (numbers only). Either an `ssn` or `passport` is required.
passport	string	Passport number of the individual. Valid only for non-US persons. Either an `ssn` or `passport` number is required.
nationality	ISO31661-Alpha2 string	Required if a passport is used as the main ID. Two letters representing the individual nationality. (e.g. "US").
fullName	FullName	Full name of the individual.
dateOfBirth	RFC3339 Date string	Date only (e.g. `"2001-08-15"`).
address	Address	Address of the individual. Must be a US address.
phone	Phone	Phone number of the individual.
email	string	Email address of the individual.
soleProprietorship	boolean	Set this to `true` in order to indicate that the individual is a sole proprietor.
ein	string	Optional. If the individual is a sole proprietor who has an Employer Identification Number, specify it here. Not all sole proprietors have an EIN, so this attribute is optional, even when `soleProprietorship` is set to `true`.
dba	string	Optional. If the individual is a sole proprietor who is doing business under a different name, specify it here. This attribute is optional, even when `soleProprietorship` is set to `true`.
evaluationParams	EvaluationParams	Optional. Evaluation Params for this entity.
annualRevenue	AnnualRevenue	Required if nationality is not US. For sole proprietors, specify the annual revenue here.
numberOfEmployees	NumberOfEmployees	Required if nationality is not US. For sole proprietors, specify the number of employees here.
businessVertical	BusinessVertical	For sole proprietors, specify the business vertical here.
website	string	A Valid website Url. Providing a `null` value is indicative of the business customer attesting that they do not have a website.
ip	string	Optional. IP address of the end-customer creating the application. Both IPv4 and IPv6 formats are supported. Highly recommended as a fraud prevention measure, if the information is available when submitting the application.
tags	object	Optional. See Tags. Tags that will be copied to the customer that this application creates (see Tag Inheritance).
idempotencyKey	string	Optional. See Idempotency.
deviceFingerprints	Array of Device Fingerprint	Optional. A list of device fingerprints for fraud and risk prevention (See Device Fingerprints).
jwtSubject	string	Optional. See this section for more information.
banks	Array of Bank names	Optional. The name of the bank or banks that should be associated with this application. If not specified, the application will be associated with the Org's default bank (visible via Org Settings in the Dashboard).

Example Request:
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",
      "soleProprietorship": true,
      "ein": "123456789",
      "dba": "Piedpiper Inc",
      "businessVertical": "TechnologyMediaOrTelecom",
      "numberOfEmployees": "Between5And10",
      "website": "https://www.piedpiper.com",
      "tags": {
        "userId": "106a75e9-de77-4e25-9561-faffe59d7814"
      },
      "idempotencyKey": "3a1a33be-4e12-4603-9ed0-820922389fb8"
    }
  }
}'

Response

Response is a JSON:API document.

201 Created

Field	Type	Description
data	IndividualApplication	The newly created resource.
included	Array of ApplicationDocument Resource	Required documents for this application. Each document resource includes the document status.

Example Response:
{
  "data": {
    "type": "individualApplication",
    "id": "53",
    "attributes": {
      "createdAt": "2020-01-14T14:05:04.718Z",
      "fullName": {
        "first": "Peter",
        "last": "Parker"
      },
      "ssn": "721074426",
      "address": {
        "street": "20 Ingram St",
        "street2": null,
        "city": "Forest Hills",
        "state": "NY",
        "postalCode": "11375",
        "country": "US"
      },
      "dateOfBirth": "2001-08-10",
      "email": "peter@oscorp.com",
      "phone": {
        "countryCode": "1",
        "number": "5555555555"
      },
      "status": "AwaitingDocuments",
      "ip": "127.0.0.2",
      "soleProprietorship": true,
      "ein": "123456789",
      "dba": "Piedpiper Inc",
      "occupation": "ArchitectOrEngineer",
      "annualIncome": "Between50kAnd100k",
      "sourceOfIncome": "EmploymentOrPayrollIncome",
      "annualRevenue": "Between100kAnd200k",
      "numberOfEmployees": "Between5And10",
      "businessVertical": "TechnologyMediaOrTelecom",
      "website": "https://www.piedpiper.com",
      "tags": {
        "userId": "106a75e9-de77-4e25-9561-faffe59d7814"
      },
      "archived": false
    },
    "relationships": {
      "org": {
        "data": {
          "type": "org",
          "id": "1"
        }
      },
      "documents": {
        "data": [
          {
            "type": "document",
            "id": "1"
          },
          {
            "type": "document",
            "id": "2"
          }
        ]
      }
    }
  },
  "included": [
    {
      "type": "document",
      "id": "1",
      "attributes": {
        "documentType": "AddressVerification",
        "status": "Required",
        "name": "Peter Parker",
        "description": "Please provide a document to verify your address. Document may be a utility bill, bank statement, lease agreement or current pay stub.",
        "address": {
          "street": "20 Ingram St",
          "street2": null,
          "city": "Forest Hills",
          "state": "NY",
          "postalCode": "11375",
          "country": "US"
        }
      }
    },
    {
      "type": "document",
      "id": "2",
      "attributes": {
        "documentType": "IdDocument",
        "status": "Required",
        "name": "Peter Parker",
        "description": "Please provide a copy of your unexpired government issued photo ID which would include Drivers License or State ID.",
        "dateOfBirth": "2001-08-10"
      }
    }
  ]
}

Create Business Application

Create an application for a business end-customer.

info

Companies that are publicly traded in a major US stock exchange are subject to lighter onboarding requirements. If your customer base includes publicly traded companies, please reach out to Unit for additional information.

Verb	`POST`
Url	`https://api.s.unit.sh/applications`
Required Scope	`applications-write`
Data Type	`businessApplication`
Timeout (Seconds)	`120`

Attributes

Name	Type	Description
name	string	Name of the business.
dba	string	Optional. "Doing business as".
address	Address	Address of the business. Must be a US address
phone	Phone	Phone number of the business.
stateOfIncorporation	string	Two letters representing a US state.
ein	string	Business EIN (numbers only).
entityType	string	One of `LLC`, `Partnership`, `PubliclyTradedCorporation`, `PrivatelyHeldCorporation` or `NotForProfitOrganization`.
website	string	A Valid website Url. Providing a `null` value is indicative of the business customer attesting that they do not have a website.
contact	BusinessContact	Primary contact of the business. This person is the one that will have access to the account.
officer	Officer	Officer representing the business (must be the `CEO`, `COO`, `CFO`, `President`, `BenefitsAdministrationOfficer`, `CIO`, `VP`, `AVP`, `Treasurer`, `Secretary`, `Controller`, `Manager`, `Partner` or `Member`). To onboard a business successfully, you must provide the officer's personal details.
beneficialOwners	Array of BeneficialOwner	Array of beneficial owners in the business. Beneficial owners are all people that, directly or indirectly, own 25% or more of the business. To onboard a business successfully, you must provide each beneficial owner's personal details. If the business has no beneficial owners, the array should be empty.
annualRevenue	AnnualRevenue	Required if any of the officer / BeneficialOwner of the business have a non US nationality. Annual revenue of the business.
numberOfEmployees	NumberOfEmployees	Required if any of the officer / BeneficialOwner of the business have a non US nationality. Number of employees of the business.
cashFlow	CashFlow	Required if any of the officer / BeneficialOwner of the business have a non US nationality. Cash flow of the business.
yearOfIncorporation	Year string	Year of incorporation of the business.
countriesOfOperation	Array of ISO31661-Alpha2 strings	Required if any of the officer / BeneficialOwner of the business have a non US nationality. An array of two letter codes representing the countries of operation of the business.
stockSymbol	string	Optional. The stock symbol (ticker) of the business.
businessVertical	BusinessVertical	The business vertical of the business.
ip	string	Optional. IP address of the end-customer creating the application. Both IPv4 and IPv6 formats are supported. Highly recommended as a fraud prevention measure, if the information is available when submitting the application.
tags	object	Optional. See Tags. Tags that will be copied to the customer that this application creates (see Tag Inheritance).
idempotencyKey	string	Optional. See Idempotency.
deviceFingerprints	Array of Device Fingerprint	Optional. A list of device fingerprints for fraud and risk prevention (See Device Fingerprints).
banks	Array of Bank names	Optional. The name of the bank or banks that should be associated with this application. If not specified, the application will be associated with the Org's default bank (visible via Org Settings in the Dashboard).

Example Request:
curl -X POST 'https://api.s.unit.sh/applications'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "businessApplication",
    "attributes": {
      "name": "Pied Piper",
      "address": {
        "street": "5230 Newell Rd",
        "city": "Palo Alto",
        "state": "CA",
        "postalCode": "94303",
        "country": "US"
      },
      "phone": {
        "countryCode": "1",
        "number": "5555555555"
      },
      "stateOfIncorporation": "DE",
      "ein": "123456789",
      "entityType": "Corporation",
      "ip": "127.0.0.2",
      "annualRevenue": "Between500kAnd1m",
      "numberOfEmployees": "Between50And100",
      "cashFlow": "Predictable",
      "yearOfIncorporation": "2014",
      "countriesOfOperation": [
        "US",
        "CA"
      ],
      "stockSymbol": "PPI",
      "businessVertical": "TechnologyMediaOrTelecom",
      "website": "https://www.piedpiper.com",
      "contact": {
        "fullName": {
          "first": "Richard",
          "last": "Hendricks"
        },
        "email": "richard@piedpiper.com",
        "phone": {
          "countryCode": "1",
          "number": "5555555555"
        }
      },
      "officer": {
        "fullName": {
          "first": "Richard",
          "last": "Hendricks"
        },
        "dateOfBirth": "2001-08-10",
        "title": "CEO",
        "ssn": "721074426",
        "email": "richard@piedpiper.com",
        "phone": {
          "countryCode": "1",
          "number": "5555555555"
        },
        "address": {
          "street": "5230 Newell Rd",
          "city": "Palo Alto",
          "state": "CA",
          "postalCode": "94303",
          "country": "US"
        },
        "occupation": "ArchitectOrEngineer",
        "annualIncome": "Between50kAnd100k",
        "sourceOfIncome": "EmploymentOrPayrollIncome"
      },
      "beneficialOwners": [
        {
          "fullName": {
            "first": "Richard",
            "last": "Hendricks"
          },
          "dateOfBirth": "2001-08-10",
          "ssn": "123456789",
          "email": "richard@piedpiper.com",
          "percentage": 75,
          "phone": {
            "countryCode": "1",
            "number": "5555555555"
          },
          "address": {
            "street": "5230 Newell Rd",
            "city": "Palo Alto",
            "state": "CA",
            "postalCode": "94303",
            "country": "US"
          },
          "occupation": "ArchitectOrEngineer",
          "annualIncome": "Between50kAnd100k",
          "sourceOfIncome": "EmploymentOrPayrollIncome"
        }
      ],
      "tags": {
        "userId": "2ab1f266-04b9-41fb-b728-cd1962bca52c"
      },
      "idempotencyKey": "3a1a33be-4e12-4603-9ed0-820922389fb8"
    }
  }
}'

Response

Response is a JSON:API document.

201 Created

Field	Type	Description
data	BusinessApplication	The newly created resource.
relationships	JSON:API Relationships	Describes relationships between the application resource and other resources (beneficial owners).
included	Array of ApplicationDocument Resource or BeneficialOwner Resource	Required documents for this application. Each document resource includes the document status. List of the application's beneficial owners.

Example Response:
{
  "data": {
    "type": "businessApplication",
    "id": "50",
    "attributes": {
      "createdAt": "2020-01-13T16:01:19.346Z",
      "name": "Pied Piper",
      "dba": null,
      "address": {
        "street": "5230 Newell Rd",
        "street2": null,
        "city": "Palo Alto",
        "state": "CA",
        "postalCode": "94303",
        "country": "US"
      },
      "phone": {
        "countryCode": "1",
        "number": "5555555555"
      },
      "stateOfIncorporation": "DE",
      "ein": "123456789",
      "entityType": "Corporation",
      "ip": "127.0.0.2",
      "website": "https://www.piedpiper.com",
      "annualRevenue": "Between500kAnd1m",
      "numberOfEmployees": "Between50And100",
      "cashFlow": "Predictable",
      "yearOfIncorporation": "2014",
      "countriesOfOperation": [
        "US",
        "CA"
      ],
      "stockSymbol": "PPI",
      "businessVertical": "TechnologyMediaOrTelecom",
      "contact": {
        "fullName": {
          "first": "Richard",
          "last": "Hendricks"
        },
        "email": "richard@piedpiper.com",
        "phone": {
          "countryCode": "1",
          "number": "5555555555"
        }
      },
      "officer": {
        "fullName": {
          "first": "Richard",
          "last": "Hendricks"
        },
        "ssn": "123456789",
        "address": {
          "street": "5230 Newell Rd",
          "street2": null,
          "city": "Palo Alto",
          "state": "CA",
          "postalCode": "94303",
          "country": "US"
        },
        "dateOfBirth": "2001-08-10",
        "title": "CEO",
        "email": "richard@piedpiper.com",
        "phone": {
          "countryCode": "1",
          "number": "5555555555"
        },
        "occupation": "ArchitectOrEngineer",
        "annualIncome": "Between50kAnd100k",
        "sourceOfIncome": "EmploymentOrPayrollIncome",
        "status": "Approved"
      },
      "beneficialOwners": [
        {
          "fullName": {
            "first": "Richard",
            "last": "Hendricks"
          },
          "ssn": "123456789",
          "address": {
            "street": "5230 Newell Rd",
            "street2": null,
            "city": "Palo Alto",
            "state": "CA",
            "postalCode": "94303",
            "country": "US"
          },
          "dateOfBirth": "2001-08-10",
          "phone": {
            "countryCode": "1",
            "number": "5555555555"
          },
          "email": "richard@piedpiper.com",
          "percentage": 75,
          "status": "Approved"
        }
      ],
      "tags": {
        "userId": "2ab1f266-04b9-41fb-b728-cd1962bca52c"
      },
      "archived": false,
      "status": "AwaitingDocuments"
    },
    "relationships": {
      "org": {
        "data": {
          "type": "org",
          "id": "1"
        }
      },
      "documents": {
        "data": [
          {
            "type": "document",
            "id": "1"
          },
          {
            "type": "document",
            "id": "2"
          },
          {
            "type": "document",
            "id": "3"
          }
        ]
      }
    }
  },
  "included": [
    {
      "type": "document",
      "id": "1",
      "attributes": {
        "documentType": "CertificateOfIncorporation",
        "status": "Required",
        "name": "Pied Piper",
        "description": "For Corporation: Please provide a certified copy of the Articles of Incorporation or Certificate of Incorporation..."
      }
    },
    {
      "type": "document",
      "id": "2",
      "attributes": {
        "documentType": "AddressVerification",
        "status": "Required",
        "name": "Richard Hendricks",
        "description": "Please provide a document to verify your address. Document may be a utility bill, bank statement, lease agreement or current pay stub.",
        "address": {
          "street": "5230 Newell Rd",
          "street2": null,
          "city": "Palo Alto",
          "state": "CA",
          "postalCode": "94303",
          "country": "US"
        }
      }
    },
    {
      "type": "document",
      "id": "3",
      "attributes": {
        "documentType": "IdDocument",
        "status": "Required",
        "name": "Richard Hendricks",
        "description": "Please provide a copy of your unexpired government issued photo ID which would include Drivers License or State ID."
      }
    }
  ]
}

Cancel Application

Cancel an Application under PendingReview Pending or AwaitingDocuments status. The application.canceled webhook event will be fired.

Verb	`POST`
Url	`https://api.s.unit.sh/applications/{id}/cancel`
Data Type	`applicationCancel`
Timeout (Seconds)	`5`

Example Request:
curl -X POST 'https://api.s.unit.sh/applications/{id}/cancel'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "applicationCancel",
    "attributes": {
      "reason": "By Org"
    }
  }
}'

Response

Response is a JSON:API document.

201 Created

Field	Type	Description
data	IndividualApplication or BusinessApplication	Application resource. Can be business or individual.
included	Array of ApplicationDocument Resource	Application required documents, each document object also includes the document status.

Get by Id

Get an application resource by id.

Verb	`GET`
Url	`https://api.s.unit.sh/applications/{id}`
Required Scope	`applications`
Timeout (Seconds)	`5`

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	IndividualApplication or BusinessApplication	Application resource. Can be business or individual, as indicated by the `type` field.
included	Array of ApplicationDocument Resource or BeneficialOwner Resource	Required documents for this application. Each document resource includes the document status. List of the application's beneficial owners.

curl -X GET 'https://api.s.unit.sh/applications/43' \
-H "Authorization: Bearer ${TOKEN}"

List

List application resources. Paging can be applied.

Verb	`GET`
Url	`https://api.s.unit.sh/applications`
Required Scope	`applications`
Timeout (Seconds)	`5`

Query Parameters

Name	Type	Default	Description
page[limit]	integer	100	Optional. Maximum number of resources that will be returned. Maximum is 1000 resources. See Pagination.
page[offset]	integer	0	Optional. Number of resources to skip. See Pagination.
filter[query]	string	(empty)	Optional. Search term according to the Full-Text Search Rules.
filter[status][]	string	(empty)	Optional. Filter applications by Application Status. Usage example: filter[status][0]=Pending&filter[status][1]=Approved
filter[email]	string	(empty)	Optional. Filter applications by email address (case sensitive).
filter[tags]	Tags (JSON)	(empty)	Optional. Filter Applications by Tags.
sort	string	`sort=-createdAt`	Optional. `sort=createdAt` for ascending order or `sort=-createdAt` (leading minus sign) for descending order.

curl -X GET 'https://api.s.unit.sh/applications?page[limit]=20&page[offset]=10' \
-H "Authorization: Bearer ${TOKEN}"

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	Array of IndividualApplication or BusinessApplication	Array of application resources. Each resource can be business or individual, as indicated by the `type` field.
meta	JSON object that contains pagination data	Pagination data includes offset, limit and total (estimated total items).

Example Response:
{
  "data": [
    {
      "type": "individualApplication",
      "id": "1",
      "attributes": {
        "createdAt": "2020-01-15T13:47:36.098Z",
        "fullName": {
          "first": "Peter",
          "last": "Parker"
        },
        "ssn": "721074426",
        "address": {
          "street": "20 Ingram St",
          "street2": null,
          "city": "Forest Hills",
          "state": "NY",
          "postalCode": "11375",
          "country": "US"
        },
        "dateOfBirth": "2001-08-10",
        "email": "peter@oscorp.com",
        "phone": {
          "countryCode": "1",
          "number": "5555555555"
        },
        "status": "AwaitingDocuments",
        "archived": false,
        "message": "Waiting for you to upload the required documents."
      },
      "relationships": {
        "org": {
          "data": {
            "type": "org",
            "id": "1"
          }
        },
        "documents": {
          "data": [
            {
              "type": "document",
              "id": "1"
            },
            {
              "type": "document",
              "id": "2"
            }
          ]
        }
      }
    },
    {
      "type": "businessApplication",
      "id": "2",
      "attributes": {
        "createdAt": "2020-01-15T13:48:38.527Z",
        "name": "Pied Piper",
        "dba": null,
        "address": {
          "street": "5230 Newell Rd",
          "street2": null,
          "city": "Palo Alto",
          "state": "CA",
          "postalCode": "94303",
          "country": "US"
        },
        "phone": {
          "countryCode": "1",
          "number": "5555555555"
        },
        "stateOfIncorporation": "DE",
        "ein": "123456789",
        "entityType": "Corporation",
        "contact": {
          "fullName": {
            "first": "Richard",
            "last": "Hendricks"
          },
          "email": "richard@piedpiper.com",
          "phone": {
            "countryCode": "1",
            "number": "5555555555"
          }
        },
        "officer": {
          "fullName": {
            "first": "Richard",
            "last": "Hendricks"
          },
          "ssn": "123456789",
          "address": {
            "street": "5230 Newell Rd",
            "street2": null,
            "city": "Palo Alto",
            "state": "CA",
            "postalCode": "94303",
            "country": "US"
          },
          "dateOfBirth": "2001-08-10",
          "email": "richard@piedpiper.com",
          "phone": {
            "countryCode": "1",
            "number": "5555555555"
          },
          "status": "Approved"
        },
        "beneficialOwners": [
          {
            "fullName": {
              "first": "Richard",
              "last": "Hendricks"
            },
            "ssn": "123456789",
            "address": {
              "street": "5230 Newell Rd",
              "street2": null,
              "city": "Palo Alto",
              "state": "CA",
              "postalCode": "94303",
              "country": "US"
            },
            "dateOfBirth": "2001-08-10",
            "phone": {
              "countryCode": "1",
              "number": "5555555555"
            },
            "email": "richard@piedpiper.com",
            "status": "Approved"
          }
        ],
        "archived": false,
        "status": "AwaitingDocuments",
        "message": "Waiting for you to upload the required documents."
      },
      "relationships": {
        "org": {
          "data": {
            "type": "org",
            "id": "1"
          }
        },
        "documents": {
          "data": [
            {
              "type": "document",
              "id": "1"
            },
            {
              "type": "document",
              "id": "2"
            },
            {
              "type": "document",
              "id": "3"
            }
          ]
        }
      }
    }
  ],
  "meta": {
    "pagination": {
      "total": 2,
      "limit": 100,
      "offset": 0
    }
  }
}

Update Business

Update a business application.

note

Tags that are updated after the application has been approved will not be inherited by the corresponded customer resource.

Verb	`PATCH`
Url	`https://api.s.unit.sh/applications/:id`
Required Scope	`applications-write`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
tags	object	See Updating Tags.
annualRevenue	AnnualRevenue	Optional. Annual revenue of the business.
numberOfEmployees	NumberOfEmployees	Optional. Number of employees of the business.
cashFlow	CashFlow	Optional. Cash flow of the business.
yearOfIncorporation	Year string	Optional. Year of incorporation of the business.
countriesOfOperation	Array of ISO31661-Alpha2 strings	Optional. An array of two letter codes representing the countries of operation of the business.
stockSymbol	string	Optional. The stock symbol (ticker) of the business.
website	string	Optional. A Valid website Url.
businessVertical	BusinessVertical	Optional. The business vertical of the business.

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	BusinessApplication	The updated BusinessApplication resource.
relationships	JSON:API Relationships	Describes relationships between the application resource and other resources (beneficial owners).
included	Array of ApplicationDocument Resource or BeneficialOwner Resource	Required documents for this application. Each document resource includes the document status. List of the application's beneficial owners.

Update business application:
curl -X PATCH 'https://api.s.unit.sh/application/:id'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "businessApplication",
    "attributes": {
      "tags": {
        "by": "Richard Hendricks",
        "id": "23033b64-38f8-4dbc-91a1-313ff0156d02"
      },
      "annualRevenue": "Between500kAnd1m",
      "numberOfEmployees": "Between50And100",
      "cashFlow": "Predictable",
      "yearOfIncorporation": "2014",
      "countriesOfOperation": [
        "US",
        "CA"
      ],
      "stockSymbol": "PPI",
      "businessVertical": "TechnologyMediaOrTelecom"
    }
  }
}'

Update Business Officer

Update a business application's officer.

Verb	`PATCH`
Url	`https://api.s.unit.sh/applications/:id`
Required Scope	`applications-write`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
officer.occupation	Occupation	Optional. Occupation of the officer.
officer.annualIncome	AnnualIncome	Optional. Annual income of the officer.
officer.sourceOfIncome	SourceOfIncome	Optional. Source of income of the officer.

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	BusinessApplication	The updated BusinessApplication resource.
relationships	JSON:API Relationships	Describes relationships between the application resource and other resources (beneficial owners).
included	Array of ApplicationDocument Resource or BeneficialOwner Resource	Required documents for this application. Each document resource includes the document status. List of the application's beneficial owners.

Update business application officer:
curl -X PATCH 'https://api.s.unit.sh/application/:id'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "businessApplication",
    "attributes": {
      "officer": {
        "occupation": "ArchitectOrEngineer",
        "annualIncome": "Between10kAnd25k",
        "sourceOfIncome": "EmploymentOrPayrollIncome"
      }
    }
  }
}'

Update Business Beneficial Owner

Update a business application's beneficial owner. The application id associated with the beneficial owner must be passed as a relationship in the request body.

Verb	`PATCH`
Url	`https://api.s.unit.sh/beneficial-owner/:id`
Required Scope	`applications-write`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
occupation	Occupation	Optional. Occupation of the beneficial owner.
annualIncome	AnnualIncome	Optional. Annual income of the beneficial owner.
sourceOfIncome	SourceOfIncome	Optional. Source of income of the beneficial owner.

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	BeneficialOwner	The updated BeneficialOwner resource.

Update business application beneficial owner:
curl -X PATCH 'https://api.s.unit.sh/beneficial-owner/:id'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "beneficialOwner",
    "attributes": {
      "occupation": "ArchitectOrEngineer",
      "annualIncome": "Between10kAnd25k",
      "sourceOfIncome": "EmploymentOrPayrollIncome"
    },
    "relationships": {
      "application": {
        "data": {
          "type": "businessApplication",
          "id": "10001"
        }
      }
    }
  }
}'

Update Individual

Update an individual application.

note

Tags that are updated after the application has been approved will not be inherited by the corresponded customer resource.

Verb	`PATCH`
Url	`https://api.s.unit.sh/applications/:id`
Required Scope	`applications-write`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
tags	object	See Updating Tags.
occupation	Occupation	Optional. Occupation of the individual.
annualIncome	AnnualIncome	Optional. Annual income of the individual.
sourceOfIncome	SourceOfIncome	Optional. Source of income of the individual.

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	IndividualApplication	The updated IndividualApplication resource.

Update individual application:
curl -X PATCH 'https://api.s.unit.sh/application/:id'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "individualApplication",
    "attributes": {
      "tags": {
        "by": "Richard Hendricks",
        "id": "23033b64-38f8-4dbc-91a1-313ff0156d02"
      },
      "occupation": "ArchitectOrEngineer",
      "annualIncome": "Between10kAnd25k",
      "sourceOfIncome": "EmploymentOrPayrollIncome"
    }
  }
}'

Update Sole Proprietor

Update a sole-proprietorship application.

note

Tags that are updated after the application has been approved will not be inherited by the corresponded customer resource.

Verb	`PATCH`
Url	`https://api.s.unit.sh/applications/:id`
Required Scope	`applications-write`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
tags	object	See Updating Tags.
annualRevenue	AnnualRevenue	Optional. Specify the annual revenue here.
numberOfEmployees	NumberOfEmployees	Optional. Specify the number of employees here.
businessVertical	BusinessVertical	Optional. Specify the business vertical here.
website	string	Optional. Specify the business website here.

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	IndividualApplication	The updated IndividualApplication resource.

Update sole-proprietor application:
curl -X PATCH 'https://api.s.unit.sh/application/:id'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "individualApplication",
    "attributes": {
      "tags": {
        "by": "Richard Hendricks",
        "id": "23033b64-38f8-4dbc-91a1-313ff0156d02"
      },
      "annualRevenue": "UpTo50k",
      "numberOfEmployees": "Between2And5",
      "businessVertical": "BusinessSupportOrBuildingServices",
      "website": "https://unit.co"
    }
  }
}'

Testing Applications

By default, applications in Sandbox are approved immediately. In order to test the various flows (decline, manual review, required documents), Unit provides simulations that allow you to control the application results.

You may trigger a decline, or a flow that requires documents, by providing specific SSNs that trigger each scenario.

In order to test flows that involve manual intervention, you may use dedicated endpoints that simulate the manual review results.

Applications

Application Statuses​

Device Fingerprints​

Providers​

Create Individual Application​

Attributes​

Response​

201 Created​

Create Sole Proprietor Application​

Attributes​

Response​

201 Created​

Create Business Application​

Attributes​

Response​

201 Created​

Cancel Application​

Response​

201 Created​

Get by Id​

Response​

200 OK​

List​

Query Parameters​

Response​

200 OK​

Update Business​

Attributes​

Response​

200 OK​

Update Business Officer​

Attributes​

Response​

200 OK​

Update Business Beneficial Owner​

Attributes​

Response​

200 OK​

Update Individual​

Attributes​

Response​

200 OK​

Update Sole Proprietor​

Attributes​

Response​

200 OK​

Testing Applications​

Application Statuses

Device Fingerprints

Providers

Create Individual Application

Attributes

Response

201 Created

Create Sole Proprietor Application

Attributes

Response

201 Created

Create Business Application

Attributes

Response

201 Created

Cancel Application

Response

201 Created

Get by Id

Response

200 OK

List

Query Parameters

Response

200 OK

Update Business

Attributes

Response

200 OK

Update Business Officer

Attributes

Response

200 OK

Update Business Beneficial Owner

Attributes

Response

200 OK

Update Individual

Attributes

Response

200 OK

Update Sole Proprietor

Attributes

Response

200 OK

Testing Applications