Types

FullName

Name	Type	Description
first	string	Individual first name.
last	string	Individual last name.

Example FullName type:

{
  "first": "Peter",
  "last": "Parker"
}

Address

Name	Type	Description
street	string	First line of an address.
street2 Optional	string	Second line of an address.
city	string	City.
state	string	State. For US and CA addresses, two letters representing the state (US) or province (CA).
postalCode	string	Postal code.
country	ISO31661-Alpha2 string	Two letters representing the country.

Example Address type:

{
  "street": "20 Ingram St",
  "city": "Forest Hills",
  "state": "NY",
  "postalCode": "11375",
  "country": "US"
}

Phone

Name	Type	Description
countryCode	string	Country code of the phone number, e.g. "1" for US.
number	string	The phone number without the country code, e.g. "4151193497". For US phone numbers, 10 digits are required.

Example US Phone type:

{
  "countryCode": "1",
  "number": "1555555555"
}

Example Non-US Phone type:

{
  "countryCode": "972",
  "number": "505555555"
}

OfficerTitle

The title of an officer. One of: CEO, COO, CFO, President, BenefitsAdministrationOfficer, CIO, VP, AVP, Treasurer, Secretary, Controller, Manager, Partner or Member.

CreateOfficer

Name	Type	Description
fullName	FullName	Full name of the officer.
title	OfficerTitle	Title of the officer.
ssn	string	SSN (or ITIN) of the officer (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 officer. 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 and optional when ssn is used. Two letters representing the officer's nationality. (e.g. "US").
dateOfBirth	RFC3339 Date string	Date only (e.g. "2001-08-15").
address	Address	The officer's address.
phone	Phone	The officer's phone number.
email	string	The officer's email address.
evaluationParams Optional	EvaluationParams	Evaluation Params for this entity.
occupation	Occupation	Required if any of the officer / BeneficialOwner of the business have a non US nationality. Occupation of the officer.
annualIncome	AnnualIncome	Required if any of the officer / BeneficialOwner of the business have a non US nationality. Annual income of the officer.
sourceOfIncome	SourceOfIncome	Required if any of the officer / BeneficialOwner of the business have a non US nationality. Source of income of the officer.

Example CreateOfficer type:

{
  "fullName": {
    "first": "Richard",
    "last": "Hendricks"
  },
  "title": "CEO",
  "dateOfBirth": "2001-08-15",
  "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"
}

Officer

Name	Type	Description
status	string	One of Approved, Denied or PendingReview.
fullName	FullName	Full name of the officer.
title	OfficerTitle	Title of the officer.
ssn	string	SSN (or ITIN) of the officer (numbers only). Either an ssn or passport is required.
passport	string	Passport number of the officer. 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 and optional when ssn is used. Two letters representing the officer's nationality. (e.g. "US").
dateOfBirth	RFC3339 Date string	Date only (e.g. "2001-08-15").
address	Address	The officer's address.
phone	Phone	The officer's phone number.
email	string	The officer's email address.
idTheftScore Optional	number	Score (0-1000) for ID theft verification, >900 is auto rejected as default (threshold is configurable).
occupation Optional	Occupation	Occupation of the officer.
annualIncome Optional	AnnualIncome	Annual income of the officer.
sourceOfIncome Optional	SourceOfIncome	Source of income of the officer.

Example Officer type:

{
  "status": "Approved",
  "fullName": {
    "first": "Richard",
    "last": "Hendricks"
  },
  "title": "CEO",
  "dateOfBirth": "2001-08-15",
  "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"
}

CreateBeneficialOwner

Name	Type	Description
fullName	FullName	Full name of the beneficial owner.
ssn	string	SSN of the beneficial owner (numbers only). One of ssn or passport is required. It is optional to provide only last 4 SSN digits.
passport	string	Passport of the beneficial owner. One of ssn or passport is required.
nationality	ISO31661-Alpha2 string	Required if a passport is used as the main ID and optional when ssn is used. Two letters representing the beneficial owner's nationality. (e.g. "US").
dateOfBirth	RFC3339 Date string	Date only (e.g. "2001-08-15").
address	Address	The beneficial owner's address.
phone	Phone	The beneficial owner's phone number.
email	string	The beneficial owner's email address.
percentage	integer	The beneficial owner percentage of ownership at the business (between 25 and 100).
evaluationParams Optional	EvaluationParams	Evaluation Params for this entity.
occupation	Occupation	Required if any of the officer / BeneficialOwner of the business have a non US nationality. Occupation of the beneficial owner.
annualIncome	AnnualIncome	Required if any of the officer / BeneficialOwner of the business have a non US nationality. Annual income of the beneficial owner.
sourceOfIncome	SourceOfIncome	Required if any of the officer / BeneficialOwner of the business have a non US nationality. Source of income of the beneficial owner.

Example CreateBeneficialOwner type:

{
  "fullName": {
    "first": "Richard",
    "last": "Hendricks"
  },
  "dateOfBirth": "2001-08-15",
  "ssn": "721074426",
  "email": "richard@piedpiper.com",
  "percentage": 25,
  "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"
}

BeneficialOwner

Name	Type	Description
status	string	One of Approved, Denied or PendingReview.
fullName	FullName	Full name of the beneficial owner.
ssn	string	SSN of the beneficial owner (numbers only). One of ssn or passport is required.
passport	string	Passport of the beneficial owner. One of ssn or passport is required.
nationality	ISO31661-Alpha2 string	Required if a passport is used as the main ID and optional when ssn is used. Two letters representing the beneficial owner's nationality. (e.g. "US").
dateOfBirth	RFC3339 Date string	Date only (e.g. "2001-08-15").
address	Address	The beneficial owner's address.
phone	Phone	The beneficial owner's phone number.
email	string	The beneficial owner's email address.
percentage	integer	The beneficial owner percentage of ownership at the business (between 25 and 100).
idTheftScore Optional	number	Score (0-1000) for ID theft verification, >900 is auto rejected as default (threshold is configurable).
occupation Optional	Occupation	Occupation of the beneficial owner.
annualIncome Optional	AnnualIncome	Annual income of the beneficial owner.
sourceOfIncome Optional	SourceOfIncome	Source of income of the beneficial owner.

Example BeneficialOwner type:

{
  "status": "Approved",
  "fullName": {
    "first": "Richard",
    "last": "Hendricks"
  },
  "percentage": 25,
  "dateOfBirth": "2001-08-15",
  "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"
}

BusinessContact

Name	Type	Description
fullName	FullName	Full name of the contact.
email	string	The contact's email address.
phone	Phone	The contact's phone number.
jwtSubject Optional	string	See this section for more information.

Example BusinessContact type:

{
  "fullName": {
    "first": "Richard",
    "last": "Hendricks"
  },
  "email": "richard@piedpiper.com",
  "phone": {
    "countryCode": "1",
    "number": "5555555555"
  }
}

ApplicationFormPrefill

Field	Type	entity	Description
applicationType	string	All	Optional. For application form V1, One of Individual, Business or SoleProprietorship. For application form V2, One of Individual, SoleProprietorship, SingleMemberBusiness, or MultipleMemberBusiness
fullName	FullName	Individual	Optional. Full name of the individual.
ssn	string	Individual / Sole Proprietorship	Optional. SSN of the individual (numbers only). Either an SSN or a passport number is required.
passport	string	Individual / Sole Proprietorship	Optional. Passport number of the individual. Either an SSN or a passport is required.
nationality	ISO31661-Alpha2 string	Individual / Sole Proprietorship	Required if a passport is used as the main ID and optional when ssn is used. Two letters representing the individual's nationality. (e.g. "US").
dateOfBirth	RFC3339 Date string	Individual / Sole Proprietorship	Optional. Date only (e.g. "2001-08-15").
email	string	Individual / Sole Proprietorship	Optional. Email address of the individual.
name	string	Business	Optional. Name of the business.
stateOfIncorporation	string	Business	Optional. Two letters representing a US state.
entityType	string	Business	Optional. One of LLC, Partnership, PubliclyTradedCorporation, PrivatelyHeldCorporation or NotForProfitOrganization.
contact	BusinessContact	Business	Optional. Primary contact of the business.
officer	Officer	Business	Optional. Officer representing the business. The officer's title must be one of the values listed in OfficerTitle. To successfully onboard a business, provide the officer's personal details.
beneficialOwners	Array of BeneficialOwner	Business	Optional. Array of beneficial owners in the business. A beneficial owner is anyone who owns at least 25% of the business. To successfully onboard a business, provide each beneficial owner's personal details.
website	string	Sole Proprietorship / Business	Optional. Business's website.
dba	string	Sole Proprietorship / Business	Optional. "Doing business as". If the individual is a sole proprietor who is doing business under a different name, specify it here.
ein	string	Sole Proprietorship / Business	Optional. If the individual is a sole proprietor who has an Employer Identification Number, specify it here. / Business EIN (numbers only).
address	Address	All	Optional. Address of the individual / Address of the business.
phone	Phone	All	Optional. Phone number of the individual / Phone number of the business.
jwtSubject	string	All	Optional. See this section for more information.
occupation	Occupation	Individual / Sole Proprietorship	Optional. Occupation of the individual / sole proprietor.
annualIncome	AnnualIncome	Individual / Sole Proprietorship	Optional. Annual income of the individual / sole proprietor.
sourceOfIncome	SourceOfIncome	Individual / Sole Proprietorship	Optional. Source of income of the individual / sole proprietor.
businessVertical	BusinessVertical	Sole Proprietorship / Business	Optional. The business vertical of the sole proprietor / business.
annualRevenue	AnnualRevenue	Sole Proprietorship / Business	Optional. Annual revenue of the sole proprietor / business.
numberOfEmployees	NumberOfEmployees	Sole Proprietorship / Business	Optional. Number of employees of the sole proprietor / business.
cashFlow	CashFlow	Business	Optional. Cash flow of the business.
yearOfIncorporation	Year string	Business	Optional. Year of incorporation of the business.
countriesOfOperation	Array of ISO31661-Alpha2 strings	Business	Optional. An array of two letter codes representing the countries of operation of the business.
stockSymbol	string	Business	Optional. The stock symbol (ticker) of the business.
hasNonUsEntities	boolean	Business	Optional. Indicates if any of the officer / BeneficialOwner of the business have a non US nationality.
hasPaymentProcessorAccount	boolean	Sole Proprietorship / Business	Optional. Indicates whether the applicant already has an account with a payment processor. When true and paymentProcessorAccountId is provided, Unit links or resumes that account instead of creating a new one. When true and paymentProcessorAccountId is omitted, Unit skips payment processor account creation (see Unified Onboarding).
paymentProcessorAccountId	string	Sole Proprietorship / Business	Optional. The ID of the applicant's existing payment processor account. Provide it to automatically route balance to the Unit deposit account.
sourceOfFunds	SourceOfFunds	All	Optional. The primary source of funds. The accepted values differ between individual and business / sole proprietorship applications.
sourceOfFundsDescription	string	All	Optional. Further detail around the source of funds.
accountPurpose	AccountPurpose	All	Optional. The primary purpose of the account. The accepted values differ between individual and business / sole proprietorship applications.
accountPurposeDetail	string	All	Optional. Further detail on the purpose of the account.
transactionVolume	TransactionVolume	All	Optional. The expected monthly transaction volume. The accepted values differ between individual, sole proprietorship and business applications.
transactionVolumeDescription	string	All	Optional. Further detail around the transaction volume selection.
profession	Profession	Individual	Optional. The profession of the individual.
professionDescription	string	Individual	Optional. Further detail around the individual's profession.
businessIndustry	BusinessIndustry	Sole Proprietorship / Business	Optional. The industry of the sole proprietor / business.
businessDescription	string	Sole Proprietorship / Business	Optional. A brief description of the business, including its main products or services and its customers.
usNexus	Array of UsNexus	Sole Proprietorship / Business	Optional. The nature of the sole proprietor's / business's ties to the U.S. Either NotAvailable or one or more of the other options.
isIncorporated	boolean	Sole Proprietorship	Optional. Indicates whether the sole proprietorship is incorporated.
isRegulated	boolean	Business	Optional. Indicates whether the business is regulated by a government agency or financial regulator.
regulatorName	string	Business	Optional. The name of the regulator, if the business is regulated.
stockExchangeName	string	Business	Optional. The name of the stock exchange where the business's stock is traded. Relevant when entityType is PubliclyTradedCorporation.
hasNoWebsite	boolean	Sole Proprietorship / Business	Optional. Set to true when the sole proprietor / business does not have a website, instead of providing website.

Note

The customer due diligence fields (sourceOfFunds, accountPurpose, transactionVolume, profession, businessIndustry, businessDescription, usNexus, isIncorporated, isRegulated, regulatorName, stockExchangeName and hasNoWebsite) are collected by application forms of orgs whose bank partner is Thread Bank. Values that you pre-fill are shown to the end-customer already populated in the form, and are submitted with the application they create.

Example ApplicationFormPrefill type:

{
  "applicationType": "MultipleMemberBusiness",
  "fullName": {
    "first": "Peter",
    "last": "Parker"
  },
  "ssn": "721074426",
  "passport": "12345678",
  "nationality": "US",
  "dateOfBirth": "2001-08-10",
  "email": "peter@oscorp.com",
  "name": "Pied Piper",
  "stateOfIncorporation": "DE",
  "entityType": "Corporation",
  "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"
    }
  },
  "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"
      }
    }
  ],
  "website": "https://www.piedpiper.com",
  "dba": "Piedpiper Inc",
  "ein": "123456789",
  "address": {
    "street": "5230 Newell Rd",
    "city": "Palo Alto",
    "state": "CA",
    "postalCode": "94303",
    "country": "US"
  },
  "phone": {
    "countryCode": "1",
    "number": "5555555555"
  },
  "occupation": "Doctor",
  "sourceOfIncome": "EmploymentOrPayrollIncome",
  "annualIncome": "Between10kAnd25k",
  "businessVertical": "TechnologyMediaOrTelecom",
  "annualRevenue": "Between500kAnd1m",
  "numberOfEmployees": "Between50And100",
  "cashFlow": "Predictable",
  "yearOfIncorporation": "2014",
  "countriesOfOperation": [
    "US",
    "CA"
  ],
  "stockSymbol": "PPI",
  "hasNonUsEntities": false,
  "hasPaymentProcessorAccount": true,
  "paymentProcessorAccountId": "acct_1234567890",
  "sourceOfFunds": "SalesOfGoods",
  "sourceOfFundsDescription": "Revenue from online sales of consumer hardware",
  "accountPurpose": "EcommerceSales",
  "accountPurposeDetail": "Collecting card payments from online orders",
  "transactionVolume": "Between50KAnd250K",
  "transactionVolumeDescription": "Seasonal peaks around the holidays",
  "businessIndustry": "OnlineRetailOrECommerce",
  "businessDescription": "Sells networking hardware to small businesses",
  "isRegulated": false,
  "usNexus": [
    "Employees",
    "Customers"
  ],
  "stockExchangeName": "NASDAQ",
  "hasNoWebsite": false
}

ApplicationFormSettingsOverride

Name	Type	Description
redirectUrl Optional	string	URL that is presented to the user when an application has been submitted
privacyPolicyUrl Optional	string	Privacy Policy
electronicDisclosuresUrl Optional	string	Consent to Electronic Disclosures
depositTermsUrl Optional	string	Deposit Terms & Conditions
clientTermsUrl Optional	string	Client Terms of Service
cardholderTermsUrl Optional	string	Cardholder Terms and Conditions
cashAdvancedTermsUrl Optional	string	Cash Advance Terms and Conditions
debitCardDisclosureUrl Optional	string	Debit Card Disclosure
additionalDisclosures Optional	Array of {title, url} objects	Array of additional disclosures that were not covered by the above links
useSelfieVerification	boolean	Optional. If true, the applicant will be required to complete the selfie verification process when an ID document is required.
disablePassportApplication Optional	boolean	If true, the applicant will not be able to apply using a passport (SSN only).

Example ApplicationFormSettingsOverride type:

{
  "redirectUrl": "https://www.unit.co",
  "privacyPolicyUrl": "https://www.unit.co",
  "electronicDisclosuresUrl": "https://www.unit.co",
  "depositTermsUrl": "https://www.unit.co",
  "clientTermsUrl": "https://www.unit.co",
  "cardholderTermsUrl": "https://www.unit.co",
  "cashAdvancedTermsUrl": "https://www.unit.co",
  "debitCardDisclosureUrl": "https://www.unit.co",
  "additionalDisclosures": [
    {
      "title": "My org additional terms",
      "url": "https://www.unit.co"
    }
  ],
  "useSelfieVerification": false,
  "disablePassportApplication": false
}

AuthorizedUser

Name	Type	Description
fullName	FullName	Full name of the authorized user.
email	string	The authorized user's email address.
phone	Phone	The authorized user's phone number. This number will be used for One Time Password (OTP) authentication.
jwtSubject Optional	string	See this section for more information.
canConnectWithAuthVendor Optional	boolean	Default is true. When set to false, the authorized user cannot authenticate through exchange networks such as Plaid. See Plaid Exchange for more information.

Example AuthorizedUser type:

{
  "fullName": {
    "first": "Richard",
    "last": "Hendricks"
  },
  "email": "richard@piedpiper.com",
  "phone": {
    "countryCode": "1",
    "number": "5555555555"
  },
  "canConnectWithAuthVendor": true
}

Counterparty

Name	Type	Description
routingNumber	string	Valid 9-digit ABA routing transit number.
accountNumber	string	Bank account number.
accountType	string	Either Checking, Savings or Loan.
name	string	Name of the person or company that owns the bank account.

Example Counterparty type:

{
  "counterparty": {
    "routingNumber": "812345678",
    "accountNumber": "12345569",
    "accountType": "Checking",
    "name": "Jane Doe"
  }
}

Wire Counterparty

Name	Type	Description
routingNumber	string	Valid 9-digit ABA routing transit number.
accountNumber	string	Bank account number.
name	string	Name of the person or company that owns the bank account.
address	Address	Address of the counterparty account owner.

Example Wire Counterparty type:

{
  "counterparty": {
    "name": "April Oneil",
    "routingNumber": "812345678",
    "accountNumber": "1000000001",
    "address": {
      "street": "20 Ingram St",
      "city": "Forest Hills",
      "state": "CA",
      "postalCode": "11375",
      "country": "US"
    }
  }
}

Real-Time Counterparty

Name	Type	Description
routingNumber	string	Valid 9-digit ABA routing transit number.
accountNumber	string	Bank account number.
name	string	Name of the person or company that owns the bank account.

Example Real-Time Counterparty type:

{
  "counterparty": {
    "routingNumber": "812345678",
    "accountNumber": "1000000001",
    "name": "April Oneil"
  }
}

Check Counterparty

Name	Type	Description
routingNumber	string	Valid 9-digit ABA routing transit number.
accountNumber	string	Bank account number.
name	string	Name of the person or company that owns the bank account.

Example Check Counterparty type:

{
  "counterparty": {
    "name": "April Oneil",
    "routingNumber": "812345678",
    "accountNumber": "1000000001"
  }
}

Check Payment Counterparty

Name	Type	Description
name	string	The name of the person or company that owns the bank account. Cannot exceed 40 characters.
address	Address	The payee's address. The length of street and street2 combined cannot exceed 50 characters.
counterpartyMoved Optional	boolean	True if the counterparty's address has been modified to correspond with a National Change of Address applied on the address. See guide for further information.

Example Check Payment Counterparty type:

{
  "counterparty": {
    "name": "John Doe",
    "counterpartyMoved": true,
    "address": {
      "street": "20 Ingram St",
      "street2": "Apt #10",
      "city": "Forest Hills",
      "state": "NY",
      "postalCode": "11375",
      "country": "US"
    }
  }
}

Coordinates

Name	Type	Description
longitude	number	The longitude value.
latitude	number	The latitude value.

Example Coordinates type:

{
  "longitude": -77.0364,
  "latitude": 38.8951
}

DeviceFingerprint

Name	Type	Description
provider	string	Provider of the device fingerprint fraud and risk prevention. The value is always iovation
value	string	The device fingerprint blackbox value.

Example DeviceFingerprint type:

{
  "provider": "iovation",
  "value": "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"
}

Healthcare Amounts

Name	Type	Description
dentalAmount	integer	Dental expense (cents).
transitAmount	integer	Transit expense (cents).
visionOpticalAmount	integer	Vision expense (cents).
prescriptionRXAmount	integer	Prescription drugs expense (cents).
clinicOtherQualifiedMedicalAmount	integer	Misc medical expense (cents).
totalHealthcareAmount	integer	Total medical expense (cents).

Example Healthcare Amounts type:

{
  "dentalAmount": 0,
  "transitAmount": 0,
  "visionOpticalAmount": 2000,
  "prescriptionRXAmount": 0,
  "clinicOtherQualifiedMedicalAmount": 0,
  "totalHealthcareAmount": 2000
}

Industry

The business industry. One of: Retail, Wholesale, Restaurants, Hospitals, Construction, Insurance, Unions, RealEstate, FreelanceProfessional, OtherProfessionalServices, OnlineRetailer, OtherEducationServices.

Create Schedule

Name	Type	Description
startTime Optional	RFC3339 Date string	Start time of the recurring payment. Date only (e.g. "2022-06-29")
endTime Optional	RFC3339 Date string	End time of the recurring payment. Date only (e.g. "2022-10-29 ")
interval	string	Interval of the schedule. Can be Monthly or Weekly.
dayOfMonth	integer	Scheduled day of the month. Required when Monthly interval is specified. Valid values can be between 1-28 or (-5)-(-1). Negative numbers represent relative day to the end of the month. -1 represents the last day of the month.
dayOfWeek	string	Scheduled day of the week. Required when Weekly interval is specified. Valid values are Sunday, Monday, Tuesday, Wednesday, Thursday, Friday, Saturday.
totalNumberOfPayments Optional	integer	Total number of payment repetitions. Positive integers only.

Example Create Schedule type:

{
  "schedule": {
    "startTime": "2022-06-29",
    "endTime": "2022-10-29",
    "interval": "Monthly",
    "dayOfMonth": 3,
    "totalNumberOfPayments": 4
  }
}

Schedule

Name	Type	Description
startTime	RFC3339 Date string	Start time of the recurring payment. Date only (e.g. "2022-06-29")
endTime Optional	RFC3339 Date string	End time of the recurring payment. Date only (e.g. "2022-10-29 ")
interval	string	Interval of the schedule. Can be Monthly or Weekly.
dayOfMonth	integer	Scheduled day of the month. Required when Monthly interval is specified. Valid values can be between 1-28 or (-5)-(-1). Negative numbers represent relative day to the end of the month. -1 represents the last day of the month.
dayOfWeek	string	Scheduled day of the week. Required when Weekly interval is specified. Valid values are Sunday, Monday, Tuesday, Wednesday, Thursday, Friday, Saturday.
totalNumberOfPayments Optional	integer	Total number of payment repetitions. Positive integers only.
nextScheduledAction	string	The next scheduled date of the action.

Example Monthly schedule:

{
  "schedule": {
    "startTime": "2022-06-29",
    "endTime": "2022-10-29",
    "interval": "Monthly",
    "dayOfMonth": 3,
    "totalNumberOfPayments": 4,
    "nextScheduledAction": "2022-07-03"
  }
}

Example Weekly schedule:

{
  "schedule": {
    "startTime": "2022-06-29",
    "endTime": "2022-10-29",
    "interval": "Weekly",
    "dayOfWeek": "Monday",
    "totalNumberOfPayments": 4,
    "nextScheduledAction": "2022-07-03"
  }
}

Evaluation Params

Name	Type	Description
useSelfieVerification Optional	One of: Never, ReplaceIdentification	Decide when to request a selfie verification document
requireIdVerification	boolean	Optional, default to false. Decide whether to require an ID verification regardless of evaluation response

Example Evaluation Params type:

{
  "evaluationParams": {
    "useSelfieVerification": "ReplaceIdentification",
    "requireIdVerification": true
  }
}

Require Id Verification

Name	Type	Description
individual Optional	Boolean	Decide whether to require an ID verification from an individual
officer Optional	Boolean	Decide whether to require an ID verification from an officer
beneficialOwners Optional	Boolean	Decide whether to require an ID verification from all beneficial owners

Example Require Id Verification type:

{
  "requireIdVerification": {
    "individual": false,
    "officer": false,
    "beneficialOwners": true
  }
}

Rich Merchant Data

Name	Type	Description
name	string	Name of the merchant.
website Optional	string	URL of the merchant's website.
logo Optional	string	URL of the merchant's logo.
phone Optional	string	Phone number of the merchant.
categories Optional	Array of {name, icon} objects	Array of categories the merchant belongs to (from the least specific to the most specific).
address Optional	{city, state, country and optionally street} object	Address of the merchant.
coordinates Optional	Coordinates	Coordinates (latitude, longitude) of the merchant.
facilitators Optional	Array of Facilitators	The transaction facilitators.

Example Rich Merchant Data type:

{
  "richMerchantData": {
    "name": "7-Eleven",
    "website": "7-eleven.com",
    "logo": "https://v1.spadeapi.com/logos/verified/7eleven.png?size=large",
    "phone": "",
    "categories": [
      {
        "name": "Retail",
        "icon": "https://static.v2.spadeapi.com/categories/7bfa3240804440309d0f050b7509f509/light.png"
      },
      {
        "name": "Convenience Store",
        "icon": "https://static.v2.spadeapi.com/categories/7bfa3240804440309d0f050b7509f509/light.png"
      }
    ],
    "address": {
      "city": "Orlando",
      "state": "FL",
      "country": "USA"
    },
    "coordinates": null
  }
}

Rich Merchant Data Facilitator

Name	Type	Description
name	string	Name of the facilitator.
type Optional	string	Type of the facilitator. One of BuyNowPayLater, DeliveryService, Marketplace, PaymentProcessor, Platform, PointOfSale.
logo Optional	string	Url of the facilitator.

Example Rich Merchant Data Facilitator type:

{
  "name": "DoorDash",
  "type": "DeliveryService",
  "logo": "https://static.v2.spadeapi.com/logos/ded0433236783236b3e715ac59c66b9d/light.png"
}

Currency Conversion

Name	Type	Description
originalCurrency	string	ISO 4217 currency code of original currency.
amountInOriginalCurrency	number	The amount in original currency in 'cents' (i.e. 50 euros will be written 5000)
fxRate Optional	string	The conversion rate for the currency conversion to USD.

Example Foreign Exchange Currency Information type:

{
  "originalCurrency": "EUR",
  "amountInOriginalCurrency": 5000,
  "fxRate": "1.164"
}

Occupation

The occupation of an individual. One of: ArchitectOrEngineer, BusinessAnalystAccountantOrFinancialAdvisor, CommunityAndSocialServicesWorker, ConstructionMechanicOrMaintenanceWorker, Doctor, Educator, EntertainmentSportsArtsOrMedia, ExecutiveOrManager, FarmerFishermanForester, FoodServiceWorker, GigWorker, HospitalityOfficeOrAdministrativeSupportWorker, HouseholdManager, JanitorHousekeeperLandscaper, Lawyer, ManufacturingOrProductionWorker, MilitaryOrPublicSafety, NurseHealthcareTechnicianOrHealthcareSupport, PersonalCareOrServiceWorker, PilotDriverOperator, SalesRepresentativeBrokerAgent, ScientistOrTechnologist, Student

Product

One of: Banking, BillPay, CapitalLineOfCredit.

Annual Income

The annual income of an individual.

Value	Description
UpTo10k	$0 - $10,000
Between10kAnd25k	$10,000 - $25,000
Between25kAnd50k	$25,000 - $50,000
Between50kAnd100k	$50,000 - $100,000
Between100kAnd250k	$100,000 - $250,000
Over250k	$250,000+

Source Of Income

The source of income of an individual. One of: EmploymentOrPayrollIncome, PartTimeOrContractorIncome, InheritancesAndGifts, PersonalInvestments, BusinessOwnershipInterests, GovernmentBenefits.

Business Vertical

The business vertical/industry of a sole proprietor or a business.

Value
AdultEntertainmentDatingOrEscortServices
AdvertisingOrMarketing
AgricultureForestryFishingOrHunting
ArtsEntertainmentAndRecreation
BusinessSupportOrBuildingServices
Cannabis
Construction
DirectMarketingOrTelemarketing
EducationalServices
FinancialServicesCryptocurrency
FinancialServicesDebitCollectionOrConsolidation
FinancialServicesMoneyServicesBusinessOrCurrencyExchange
FinancialServicesOther
FinancialServicesPaydayLending
GamingOrGambling
HealthCareAndSocialAssistance
HospitalityAccommodationOrFoodServices
LegalAccountingConsultingOrComputerProgramming
Manufacturing
Mining
Nutraceuticals
PersonalCareServices
PublicAdministration
RealEstate
ReligiousCivicAndSocialOrganizations
RepairAndMaintenance
RetailTrade
TechnologyMediaOrTelecom
TransportationOrWarehousing
Utilities
WholesaleTrade

Annual Revenue

The annual revenue of a sole proprietor or a business.

For businesses:

Value	Description
UpTo250k	$0 - $250,000
Between250kAnd500k	$250,000 - $500,000
Between500kAnd1m	$500,000 - $1 million
Between1mAnd5m	$1 million - $5 million
Over5m	$5+ million

For sole proprietors:

Value	Description
UpTo50k	$0 - $50,000
Between50kAnd100k	$50,000 - $100,000
Between100kAnd200k	$100,000 - $200,000
Between200kAnd500k	$200,000 - $500,000
Over500k	$500,000+

Number Of Employees

The number of employees of a sole proprietor or a business.

For businesses:

Value	Description
UpTo10	0 - 10
Between10And50	10 - 50
Between50And100	50 - 100
Between100And500	100 - 500
Over500	500+

For sole proprietors:

Value	Description
One	1 (only myself)
Between2And5	2 - 5
Between5And10	5 - 10
Over10	10+

Cash Flow

The cash flow of a business.

Value	Description
Unpredictable	I'm a new company / my cash flow fluctuates
Predictable	I'm an established company with predictable cash flows

Push to Card Configuration

The Astra push to card configuration

Value	Description
authToken	A token that represents a user that successfully completed authentication with Astra (called access_token in Astra's documentation). You need to refresh the token before creating a Push To Card payment.
debitFeePercent	Optional. The fee percentage will be used by Astra in order to calculate the fee amount that will be deducted from the sent amount. If not included, Astra will use the default fee percent that was defined for the account
institutionId	A unique identifier received from Astra to represent your organization
destinationCardId	A unique identifier received from Astra to represent the external debit card where the funds are pushed to
routingNumber	The routing number of the account with Astra where funds are processed through
accountNumber	The account number of the account with Astra where funds are processed through
referenceId	Additional payment information (maximum of 80 characters) to help with connecting the PushToCard payment recourse with internal resources from your system

White-label App end user config

Name	Type	Description
allowedApplicationTypes Optional	Array of Individual, SoleProprietorship, SingleMemberBusiness, or MultipleMemberBusiness.	Restrict the available application type for this specific application.
applicantDetails	ApplicationFormPrefill	Data that is already known about the end-customer to be auto populated on the application form.
requestedProducts Optional	Array of Product	The product being applied for. Contact Unit to enable BillPay products.

Example whiteLabelAppEndUserConfig type:

{
  "data": {
    "type": "whiteLabelAppEndUserConfig",
    "attributes": {
      "allowedApplicationTypes": [
        "MultipleMemberBusiness"
      ],
      "requestedProducts": [
        "Banking",
        "BillPay"
      ],
      "applicantDetails": {
        "applicationType": "MultipleMemberBusiness",
        "fullName": {
          "first": "Peter",
          "last": "Parker"
        },
        "ssn": "721074426",
        "passport": "12345678",
        "nationality": "US",
        "dateOfBirth": "2001-08-10",
        "email": "peter@oscorp.com",
        "name": "Pied Piper",
        "stateOfIncorporation": "DE",
        "entityType": "Corporation",
        "contact": {
          "fullName": {
            "first": "Richard",
            "last": "Hendricks"
          },
          "email": "richard@piedpiper.com",
          "phone": {
            "countryCode": "1",
            "number": "2345789888"
          }
        },
        "officer": {
          "fullName": {
            "first": "Richard",
            "last": "Hendricks"
          },
          "occupation": "Doctor",
          "dateOfBirth": "2001-08-10",
          "title": "CEO",
          "ssn": "721074426",
          "email": "richard@piedpiper.com",
          "phone": {
            "countryCode": "1",
            "number": "2345789888"
          },
          "address": {
            "street": "5230 Newell Rd",
            "city": "Palo Alto",
            "state": "CA",
            "postalCode": "94303",
            "country": "US"
          }
        },
        "beneficialOwners": [
          {
            "fullName": {
              "first": "Richard",
              "last": "Hendricks"
            },
            "occupation": "Doctor",
            "dateOfBirth": "2001-08-10",
            "ssn": "123456789",
            "email": "richard@piedpiper.com",
            "percentage": 75,
            "phone": {
              "countryCode": "1",
              "number": "2345789888"
            },
            "address": {
              "street": "5230 Newell Rd",
              "city": "Palo Alto",
              "state": "CA",
              "postalCode": "94303",
              "country": "US"
            }
          }
        ],
        "website": "https://www.piedpiper.com",
        "dba": "Piedpiper Inc",
        "ein": "123456789",
        "address": {
          "street": "5230 Newell Rd",
          "city": "Palo Alto",
          "state": "CA",
          "postalCode": "94303",
          "country": "US"
        },
        "phone": {
          "countryCode": "1",
          "number": "2345789888"
        },
        "sourceOfIncome": "EmploymentOrPayrollIncome",
        "annualIncome": "Between10kAnd25k",
        "businessVertical": "TechnologyMediaOrTelecom",
        "annualRevenue": "Between500kAnd1m",
        "numberOfEmployees": "Between50And100",
        "cashFlow": "Predictable",
        "yearOfIncorporation": "2014",
        "countriesOfOperation": [
          "US",
          "CA"
        ],
        "stockSymbol": "PPI",
        "hasNonUsEntities": false
      }
    }
  }
}

Fraud Case Card Activity

Represents a card activity that is part of a TransactionCardFraudCase or AuthorizationCardFraudCase.

Name	Type	Description
id	string	The id of the fraud case card activity.
createdAt	RFC3339 Date string	The date the activity was created.
activityType	string	The type of the activity. Can be either Authorization or Transaction.
cardActivityCreatedAt	RFC3339 Date string	The creation date of the original Authorization or Transaction the activity was created upon.
cardActivity	string	The id of the original Authorization or Transaction of the activity.
location	string	The location in which the activity occurred.
merchant	string	The name of the merchant of the activity.
amount	integer	The amount (in cents) of the activity.
decision	string	The decision made for the activity. Can be one of Pending, Fraud, NoFraud.
updatedAt	RFC3339 Date string	The date the activity was last updated.

Example Fraud Case Card Activity type:

{
  "id": "15",
  "createdAt": "2024-07-31T11:02:27.355Z",
  "activityType": "Authorization",
  "cardActivityCreatedAt": "2024-07-31T11:02:27.270Z",
  "cardActivity": "8082294",
  "location": "Cupertino, CA, US",
  "merchant": "Apple Inc.",
  "amount": 2500,
  "decision": "Fraud",
  "updatedAt": "2024-07-31T11:04:43.696Z"
}

Total Accrued Interest

Represents a sum of customer accrued interest for a given period of time

Name	Type	Description
amount	integer	The total amount of customer accrued interest (in cents).

Example Total Accrued Interest type:

{
  "data": {
    "type": "totalAccruedInterest",
    "attributes": {
      "amount": 1108647
    }
  }
}

Check Registered Agent Address

Represents whether the provided address is a Registered Agent address.

Name	Type	Description
isRegisteredAgentAddress	boolean	Returns whether the provided address is a Registered Agent address.

Example Total Accrued Interest type:

{
  "data": {
    "type": "checkRegisteredAgentAddress",
    "attributes": {
      "isRegisteredAgentAddress": true
    }
  }
}