Wallets

Wallets are a way for banks to send and/or store money on behalf of third parties in certain instances. They can offer simplicity and ease of use for programs that involve lower balances and limited payment options. They can offer an on-ramp to more standard deposit accounts, offering companies a way to pilot, or offer narrowly-defined financial features to their customer bases to enhance loyalty and trust.

Create Wallet

Creates a wallet account for a BusinessCustomer or BusinessWalletCustomer. An account.created event is raised when the call was successful.

Each wallet is created using a specific wallet terms. Wallet terms are a predefined set of terms associated with this wallet (e.g. fees, Fees, Limits, Card settings).

Use walletDefault as the default value for the wallet terms field while building your solution in sandbox . Contact Unit to create other wallet terms under your organization.

Wallet creation request supports Idempotency, ensuring that performing multiple identical requests will have the same effect as performing a single request.

A successful wallet creation will result in an wallet in Open status. Later on, wallets can be either frozen, closed and in some cases reopened.

Verb	`POST`
Url	`https://api.s.unit.sh/accounts`
Required Scope	`accounts-write`
Data Type	`walletAccount`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
walletTerms	string	The name of the wallet terms.
tags	object	Optional. See Tags.
idempotencyKey	string	Optional. See Idempotency.

Relationships

Name	Type	Description
customer	JSON:API Relationship	The customer the wallet belongs to. The customer is either a `BusinessCustomer` or `BusinessWalletCustomer`.

Example Request:
curl -X POST 'https://api.s.unit.sh/accounts'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "walletAccount",
    "attributes": {
      "walletTerms": "walletDefault",
      "tags": {
        "purpose": "Healthcare"
      },
      "idempotencyKey": "3a1a33be-4e12-4603-9ed0-820922389fb8"
    },
    "relationships": {
      "customer": {
        "data": {
          "type": "customer",
          "id": "45555"
        }
      }
    }
  }
}'

Response

Response is a JSON:API document.

201 Created

Field	Type	Description
data	WalletAccount	The requested resource after the operation was completed.

Example Response:
{
  "data": {
    "type": "walletAccount",
    "id": "42",
    "attributes": {
      "createdAt": "2000-05-11T10:19:30.409Z",
      "name": "Peter Parker",
      "status": "Open",
      "walletTerms": "walletDefault",
      "routingNumber": "812345678",
      "accountNumber": "1000000002",
      "currency": "USD",
      "balance": 10000,
      "hold": 0,
      "available": 10000,
      "tags": {
        "purpose": "Healthcare"
      }
    },
    "relationships": {
      "customer": {
        "data": {
          "type": "customer",
          "id": "45555"
        }
      }
    }
  }
}

Update Wallet

Update a wallet account.

Verb	`PATCH`
Url	`https://api.s.unit.sh/accounts/:accountId`
Required Scope	`accounts-write`
Data Type	`walletAccount`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
name	string	Optional. The name of the wallet.
tags	object	Optional. See Tags.

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	WalletAccount	Wallet resource.

curl -X PATCH 'https://api.s.unit.sh/accounts/10000'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "walletAccount",
    "attributes": {
      "tags": {
        "purpose": "checking"
      }
    }
  }
}'

Close Wallet

Closes a wallet. Closing a wallet is irreversible and can only be done by an Org user. An account.closed event is raised when the call was successful.

note

Closing a wallet will also close the cards associated with the wallet.

Verb	`POST`
Url	`https://api.s.unit.sh/accounts/:accountId/close`
Required Scope	`accounts-write`
Data Type	`walletAccountClose`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
reason	string	The reason for closing the wallet. Either `ByCustomer`, `Fraud`, `ByBank`, or `NegativeBalance`.
fraudReason	string	Optional. The expanded fraud reason for closing the wallet when `Fraud` is specified as the reason. Can be one of: (`ACHActivity`, `CardActivity`, `CheckActivity`, `ApplicationHistory`, `AccountActivity`, `ClientIdentified`, `IdentityTheft`, `LinkedToFraudulentCustomer`).
bankReason	string	Optional. The expanded bank reason for closing the wallet when `ByBank` is specified as the reason. Can be one of: (`ProhibitedBusiness`, `MissingCddEdd`, `NonUsOperations`, `SuspectedFraud`). This list is subject to change.

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	WalletAccount	Wallet resource.

curl -X POST 'https://api.s.unit.sh/accounts/10000/close'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "walletAccountClose",
    "attributes": {
      "reason": "ByCustomer"
    }
  }
}'

Reopen Wallet

Reopens a wallet.

caution

Reopening a wallet will not reopen cards associated with the wallet. Closed cards cannot be reactivated.

note

This API can only be used to reopen wallets which were closed by customers. In order to reopen a wallet that was closed due to fraud, please contact Unit.

Verb	`POST`
Url	`https://api.s.unit.sh/accounts/:accountId/reopen`
Required Scope	`accounts-write`
Timeout (Seconds)	`5`

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	WalletAccount	Wallet resource.

curl -X POST 'https://api.s.unit.sh/accounts/10000/reopen'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{}'

Freeze Wallet

Freezes a wallet. An account.frozen event is raised when the call was successful. A frozen wallet behaves like a closed wallet, with the primary difference being that a frozen state should be temporary, and after evaluation should either be un-frozen, or closed.

note

Freezing a wallet will also freeze the cards associated with the account.

Verb	`POST`
Url	`https://api.s.unit.sh/accounts/:accountId/freeze`
Required Scope	`accounts-write`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
reason	string	The reason for closing the wallet. Either `Fraud` or `Other`, with a specified `reasonText`.
reasonText	string	Optional. The free-text reason for freezing the wallet (up to 255 characters) when `Other` is specified.

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	WalletAccount	Wallet resource.

curl -X POST 'https://api.s.unit.sh/accounts/10000/freeze'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "walletAccountFreeze",
    "attributes": {
      "reason": "Other",
      "reasonText": "Per request from customer"
    }
  }
}'

Unfreeze Wallet

Unfreezes a wallet.

note

Unfreezing a wallet will also unfreeze the cards associated with the wallet.

Verb	`POST`
Url	`https://api.s.unit.sh/accounts/:accountId/unfreeze`
Required Scope	`accounts-write`
Timeout (Seconds)	`5`

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	WalletAccount	Wallet resource.

curl -X POST 'https://api.s.unit.sh/accounts/10000/unfreeze'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{}'

Get by Id

Get a wallet resource by id.

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

Query Parameters

Name	Type	Default	Description
include	string	(empty)	Optional. Related resource available to include: `customer`. See Getting Related Resources

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	WalletAccount	The requested resource after the operation was completed.
included	Array of Customer	Array of resources requested by the `include` query parameter.

curl -X GET 'https://api.s.unit.sh/accounts/42' \
-H "Authorization: Bearer ${TOKEN}"

List

Listing wallets is similar to listing deposit accounts, with a specific account type filter (see below)

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

Query Parameters

Name	Type	Default	Description
page[limit]	integer	100	Optional. Maximum number of resources that will be returned. Maximum is 10000 resources. See Pagination.
page[offset]	integer	0	Optional. Number of resources to skip. See Pagination.
filter[customerId]	string	(empty)	Optional. Filters the results by the specified customer id.
filter[tags]	Tags (JSON)	(empty)	Optional. Filter Accounts by Tags.
filter[status]	string	Authorized	Optional. Filter Account by its status (`Open`, `Frozen`, or `Closed`). Usage example: filter[status][0]=Closed
filter[fromBalance]	Integer	(empty)	Optional. Filters Accounts that have balance higher or equal to the specified amount (in cents). e.g. `5000`
filter[toBalance]	Integer	(empty)	Optional. Filters Accounts that have balance lower or equal to the specified amount (in cents). e.g. `7000`
filter[type]	string	(empty)	Optional. Filters Accounts by type. Valid values are `deposit`, `credit` or `wallet`.
include	string	(empty)	Optional. Related resource available to include: `customer`. See Getting Related Resources

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

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	Array of DepositAccount or CreditAccount or WalletAccount	Array of account resources.
included	Array of Customer	Array of resources requested by the `include` query parameter.

Example Response:
{
  "data": [
    {
      "type": "walletAccount",
      "id": "42",
      "attributes": {
        "createdAt": "2000-05-11T10:19:30.409Z",
        "name": "Peter Parker",
        "status": "Open",
        "walletTerms": "walletDefault",
        "routingNumber": "812345678",
        "accountNumber": "1000000002",
        "currency": "USD",
        "balance": 10000,
        "hold": 0,
        "available": 10000,
        "tags": {
          "purpose": "Healthcare"
        }
      },
      "relationships": {
        "customer": {
          "data": {
            "type": "customer",
            "id": "45555"
          }
        }
      }
    }
  ]
}

Limits

Verb	`GET`
Url	`https://api.s.unit.sh/accounts/:accountId/limits`
Timeout (Seconds)	`5`

curl -X GET 'https://api.s.unit.sh/accounts/10104/limits' \
-H "Authorization: Bearer ${TOKEN}"

Some monetary transactions (such as originating ACH payments, ATM withdrawals or deposits) are subject to daily and/or monthly amount limits that are defined on the wallet level. You can read more about the account/wallet limits on our limits guide.

The response to this API call includes the defined limits, as well as the current total amounts on each transaction type (under the totalsDaily and totalsMonthly fields), in cents.

note

The daily limits reset at 12:00 a.m. on the timezone of relevant bank. The monthly limits are reset at the same time on the first of each month.

{
  "data": {
    "type": "walletLimits",
    "id": "10104",
    "attributes": {
      "ach": {
        "limits": {
          "dailyDebit": 50000,
          "dailyCredit": 50000,
          "monthlyDebit": 2000000,
          "monthlyCredit": 2000000,
          "dailyDebitSoft": 50000,
          "monthlyDebitSoft": 2000000
        },
        "totalsDaily": {
          "debits": 25000,
          "credits": 10000
        },
        "totalsMonthly": {
          "debits": 800300,
          "credits": 250000
        }
      },
      "card": {
        "limits": {
          "dailyWithdrawal": 2000000,
          "dailyDeposit": 2000000,
          "dailyPurchase": 2000000,
          "dailyCardTransaction": 2000000
        },
        "totalsDaily": {
          "withdrawals": 0,
          "deposits": 0,
          "purchases": 0,
          "cardTransactions": 0
        }
      },
      "checkDeposit": {
        "limits": {
          "daily": 100000,
          "monthly": 2000000,
          "dailySoft": 50000,
          "monthlySoft": 1000000
        },
        "totalsDaily": 0,
        "totalsMonthly": 0
      },
      "wire": {
        "limits": {
          "dailyTransfer": 20000,
          "monthlyTransfer": 20000000,
          "dailyTransferSoft": 0,
          "monthlyTransferSoft": 0
        },
        "totalsDaily": {
          "transfers": 5000
        },
        "totalsMonthly": {
          "transfers": 5000
        }
      },
      "checkPayment": {
        "limits": {
          "dailySent": 20000000,
          "monthlySent": 20000000,
          "dailySentSoft": 10000000,
          "monthlySentSoft": 10000000
        },
        "totalsDaily": {
          "sent": 5000
        },
        "totalsMonthly": {
          "sent": 5000
        }
      }
    }
  }
}

Get Wallet Balance History

List account end-of-day balances history (filtering and paging can be applied).

The account balance history can be used to provide the customer with an overview of their balance across wallet(s) over time in a visually engaging way, providing insights and creating custom product features around it.

note

The typical cutoff time (end-of-day) is 7PM, but may vary between banks. The exact time and timezone are determined by the partner bank you work with.

Verb	`GET`
Url	`https://api.s.unit.sh/account-end-of-day`
Required Scope	`account-end-of-day`
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.
page[offset]	integer	0	Optional. Number of resources to skip.
filter[accountId]	string	(empty)	Optional. Filters the results by the specified account id. At least one of `accountId` and `customerId` is required.
filter[customerId]	string	(empty)	Optional. Filters the results by the specified customer id. At least one of `accountId` and `customerId` is required.
filter[since]	ISO Local Date string	(empty)	Optional. Filters the account end-of-day balances after the specified date. e.g. `2021-06-01`
filter[until]	ISO Local Date string	(empty)	Optional. Filters the account end-of-day balances before the specified date. e.g. `2021-07-01`

curl -X GET 'https://api.s.unit.sh/account-end-of-day?page[limit]=10&page[offset]=0&filter[customerId]=10000&filter[accountId]=30317&filter[since]=2020-10-11&filter[until]=2021-10-13' \
-H "Authorization: Bearer ${TOKEN}"

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	Array of Account End-Of-Day	Array of account end-of-day resources.
meta	JSON object that contains pagination data	Pagination data includes offset, limit and total (estimated total items).

Example Response:
{
  "data": [
    {
      "type": "accountEndOfDay",
      "id": "4925158",
      "attributes": {
        "date": "2021-07-10",
        "balance": 1000,
        "available": 500,
        "hold": 500
      },
      "relationships": {
        "customer": {
          "data": {
            "type": "customer",
            "id": "10000"
          }
        },
        "account": {
          "data": {
            "type": "account",
            "id": "30317"
          }
        }
      }
    },
    {
      "type": "accountEndOfDay",
      "id": "4925158",
      "attributes": {
        "date": "2021-07-11",
        "balance": 1000,
        "available": 500,
        "hold": 500
      },
      "relationships": {
        "customer": {
          "data": {
            "type": "customer",
            "id": "10000"
          }
        },
        "account": {
          "data": {
            "type": "account",
            "id": "30317"
          }
        }
      }
    }
  ],
  "meta": {
    "pagination": {
      "total": 12,
      "limit": 2,
      "offset": 0
    }
  }
}

Wallets

Create Wallet​

Attributes​

Relationships​

Response​

201 Created​

Update Wallet​

Attributes​

Response​

200 OK​

Close Wallet​

Attributes​

Response​

200 OK​

Reopen Wallet​

Response​

200 OK​

Freeze Wallet​

Attributes​

Response​

200 OK​

Unfreeze Wallet​

Response​

200 OK​

Get by Id​

Query Parameters​

Response​

200 OK​

List​

Query Parameters​

Response​

200 OK​

Limits​

Get Wallet Balance History​

Query Parameters​

Response​

200 OK​

Create Wallet

Attributes

Relationships

Response

201 Created

Update Wallet

Attributes

Response

200 OK

Close Wallet

Attributes

Response

200 OK

Reopen Wallet

Response

200 OK

Freeze Wallet

Attributes

Response

200 OK

Unfreeze Wallet

Response

200 OK

Get by Id

Query Parameters

Response

200 OK

List

Query Parameters

Response

200 OK

Limits

Get Wallet Balance History

Query Parameters

Response

200 OK