Resources Coming Soon

Early preview

Realtime Payments are coming soon. This resource model reflects the current API preview and may evolve before launch.

Realtime Payment

RealtimePayment is a JSON:API resource with the following top-level fields:

Name	Type	Description
id Required	string	Identifier of the Realtime Payment resource.
type Required	string	Type of the payment resource. The value is always realtimePayment.
attributes Required	JSON object	Data describing the Realtime Payment.
relationships Required	JSON:API Relationships	Relationships between the payment and its originating account and customer.

Attributes

Name	Type	Description
createdAt Required	RFC3339 date string	Date and time when the resource was created.
status Required	string	Current payment status. A newly created Realtime Payment has a Pending status.
counterparty Required	Realtime Counterparty	Party receiving the Realtime Payment.
description Required	string	Payment description, up to 50 characters. This appears on the counterparty's statement.
direction Required	string	Direction in which the funds move. The value is always Credit.
amount Required	integer	Payment amount in cents.
tags Required	object	See Tags. Tags are inherited by transactions created by the payment.

Relationships

Name	Type	Description
account Required	JSON:API Relationship	Deposit Account originating the payment.
customer Required	JSON:API Relationship	Customer that owns the originating account.

Example RealtimePayment resource:

{
  "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"
        }
      }
    }
  }
}

Realtime Counterparty

The counterparty attribute identifies the party receiving the Realtime Payment.

Name	Type	Description
routingNumber Required	string	Nine-digit ABA routing number of the receiving bank. The bank must be able to receive payments through the RTP network.
accountNumber Required	string	Bank account number of the receiving party.
accountType Required	string	Type of the receiving account, such as Checking.
name Required	string	Name of the receiving party.

Realtime Payment Transaction

When a Realtime Payment is sent, Unit creates a Realtime Payment Transaction representing the movement of funds from the originating Deposit Account.

Tags on the Realtime Payment are copied to the transaction. See Tag Inheritance. Transaction details are available through Unit's Transactions API.