Monthly Recap

Product Update: January


Pilot mode - A new development experience that lets anyone build banking in minutes with real funds. The new, first-of-its-kind, pilot mode helps companies create live bank accounts and issue cards instantly. We’ve heard from many clients that the magic moment for them was when they were able to create a debit card, add it to Apple Pay and make a real purchase. While instant account creation and use is available for banking apps like AngelList or Mos, the banking infrastructure that powers them lacked that experience. We have changing this with the ability to create an account, get an API key, and build experiences that use real funds to make real world transactions. There’s never been a better way to build a banking proof-of-concept and get that ‘aha’ moment. (sign up)

Programmatic authorization of card transactions - Now you’re able to participate in the decision process of card authorizations. Previously this capability only applied to purchases, so we’ve extended it to card transactions as well. For example, you can now programmatically act on transactions from peer-to-peer services (like Venmo or CashApp) and gig economy employee payouts (Ride sharing, deliveries etc.). (docs)

Authorization events - We have significantly increased visibility into the authorization process. Now, authorization resources are exposed, even if the request was never approved, and events are fired with any change to the authorization, whether it’s declined, changed, or canceled. (docs)

Show sensitive data for physical cards - We’ve made it simple to display the full card number and CVV2 for activated physical cards, just like virtual cards, without needing to worry about PCI compliance. (docs)

PINs for virtual cards - In some instances, using a virtual card from a mobile wallet requires the user to provide a PIN (typically for larger purchases on a physical store, with a PIN pad). To support that use case, we have enabled the option to set PINs on virtual cards. (docs)

Supporting seamless authentication - We have increased the flexibility and customization of our API authentication to let you build how you want to. Now, in addition to authenticating with OAuth 2.0 Bearer tokens, you’re able to connect to the API with any JSON Web Token (JWT) based authentication method and make calls directly from your front-end. (docs)

Webhook retries - We recently added a new option to receive events through reliable webhooks. Using the new batched delivery setting will result in us delivering multiple events in a single payload and we will continue to attempt delivery for 1 hour or until we receive a success status call. Now you don’t need to worry about missing important events if your app has brief downtime. (docs)

Rejected incoming payment event - Now there’s an event for when an incoming ACH is returned. The declinedIncomingPayment.Created event makes it simple to understand when an incoming payment didn’t complete so you can surface that information to your users. For example, a business may be trying to send one of your customers a large ACH payment that gets rejected by their bank for insufficient funds, or they may have inputted the routing and account numbers correctly but had incorrect information elsewhere. (docs)

More card activity data - We’re adding more metadata to card transactions so you can set up more useful programmatic authorizations, and create more informative user experiences and reporting. Authorization requests, authorizations, and purchase transactions will now contain the following attributes when available:

  • Payment method: Manual, Swipe, Contactless, ChipAndPin, Stored, Other.

  • Digital wallet: Google, Apple, Other.

  • Merchant location: City, State

  • Verification method: Address, CVV2, AddressAndCVV2.


Sample data in sandbox - To make it easy and quick to understand what a functioning banking implementation looks like with Unit, we've created sample data that you can load into your sandbox. Just download and use Postman to import the Unit API Starter Collection to populate your sandbox environment with test data. (docs)

Ready to bring your own financial features to life? Start building in minutes or request a demo.

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