Unit

Best for: Regulated or enterprise workloads - compliance attestations and an enterprise plan; AI agents and automation - an agent-ready surface (MCP / llms.txt); Teams needing broad API coverage out of the box

Avoid if: You need transparent pricing up front; You want to try it free before paying

Pricing model

Contact sales

Published pricing

✗ No

Free tier

✗ No

Self-serve signup

✓ Yes

Requires sales call

✓ Yes [2]unit.co/guides/what-to-expect-when-onboarding-with-your-bank-partner“Launching an embedded finance program can usually be accomplished in 2-3 months.”unit.co/contact-sales“Unit operates on a contact sales model: the page features a prominent lead generation form requesting company details with no pricing information disclosed.”

Enterprise plan

✓ Yes

• Virtual cards
• Physical cards
• Spend controls
• BIN sponsorship
• Credit programs
• Push provisioning

Supported actions

issue_virtual_card, issue_physical_card, issue_debit_card, issue_credit_card, issue_prepaid_card, card_lifecycle_management, freeze_unfreeze_card, close_card, replace_card, spend_controls, authorization_stream, jit_funding, push_provisioning, 3ds, tokenization, dispute_management, kyc_kyb, real_time_webhooks, program_management, ledger_accounts, ach_payments, wire_payments, check_payments, real_time_payments, book_payments, transaction_monitoring, aml_compliance, atm_access, mobile_wallet_provisioning, customer_api_tokens, idempotency_keys, simulations_sandbox

Regions

United States

Input types

Visa, debit, credit, prepaid, virtual, physical, consumer, commercial

Output types

JSON, webhook events, card tokens, authorization events, transaction data, statements, customer API tokens

Webhooks

✓ Yes [3]unit.co/custom“Webhooks supporting 50+ events”

Sandbox / test mode

✓ Yes

SDK languages

Node.js/TypeScript, Python, Ruby [4]github.com/unit-finance/unit-node-sdk“This library provides a typescript wrapper to Unit's API”github.com/unit-finance“unit-python-sdk, unit-node-sdk, unit-openapi-ruby-sdk, unit-openapi-java-sdk, unit-ios-sdk”

MCP server

✗ No [5]github.com/unit-finance“No MCP (Model Context Protocol) server is listed among the public repositories in the unit-finance GitHub organization.”

SOC 2

SOC 2 Type II [6]unit.co/security“Unit is SOC 2 Type II compliant. Unit's systems, processes, compliance frameworks, and controls are audited on an annual basis.”

HIPAA

✗ No [7]unit.co/security“Unit's security page references SOC 2 Type II and PCI DSS Level 1, with no mention of HIPAA compliance anywhere on the page.”

GDPR

✗ No [8]unit.co/security“Unit's security page references privacy laws including Gramm-Leach-Bliley Act (GLBA) but does not mention GDPR.”

ISO 27001

✗ No [9]unit.co/security“Unit's security page lists SOC 2 Type II and PCI DSS Level 1 certifications but does not mention ISO 27001.”

PCI DSS

✓ Yes [10]unit.co/security“Unit is PCI-DSS Level 1 certified. Payment Card Industry Data Security Standard (PCI DSS) is the global standard for protecting sensitive payment card data, and this is the highest level of compliance in the payments industry.”

Published SLA

✗ No [11]unit.co/guides/enterprise-grade-financial-infrastructure“99.99% uptime, reflecting consistently high reliability”status.unit.co“Status page shows 100% uptime over past 90 days across all services (API, Payments, Cards, Core, Webhooks, Dashboard, Sandbox) but no formal SLA agreement or specific uptime commitments are published.”

Rate limits

1,000 requests per minute per IP address (applies separately to sandbox and live environments); exceeding the limit returns HTTP 429. Additionally, the rate limit for verifying a customer is 5 attempts per 10 minutes. [12]unit.co/docs/api/customer-api-tokens“The rate limit for verifying a customer is 5 attempts per 10 minutes.”unit.co/docs/api/using-the-api/“Our rate limit is based on your IP address and is set to 1,000 requests per minute.”

Known restrictions

Unit provides turnkey BIN sponsorship via its own network of FDIC member bank partner banks - customers do not need to bring their own sponsor bank; Unit introduces clients to suitable partner banks during onboarding, Unit is a financial technology company and not a bank - banking services are provided by Unit's bank partners, Members FDIC, Visa® debit cards are issued by Unit's bank partners pursuant to a license from Visa U.S.A. Inc. - only Visa is documented; no Mastercard support, PCI DSS Level 1 certified (highest level), Programmatic authorization (JIT funding) is not enabled by default - requires reaching out to a Unit contact to activate, Push provisioning / tokenization setup takes up to 4 weeks; mobile wallet SDK installation with Visa takes 10–20 business days, Production access requires onboarding through sales; sandbox self-serve signup available at app.s.unit.sh/signup, US only - platform built on direct Federal Reserve connections (Fedwire, FedACH, Check21), Launching an embedded finance program typically takes 2–3 months, All fees default to $0 and are negotiated per client - no published pricing; pricing is contact-sales only, Interchange revenue share percentage is contractually determined per client (docs use 70% as an illustrative example only)

• Docs
• API reference
• llms.txt
• Status page

Docs rendering: static · llms.txt present

API style

rest

Base URL

https://api.unit.co/

Versioning

none

Stability

ga

Auth methods

api_key, jwt

Idempotency keys

✓ Yes

Error format

vendor-specific

Webhook signing

hmac_sha1

Rate limit

1000 / minute

SDKs

• Node.js/TypeScript @unit-finance/unit-node-sdk · repo
• Python unit-python-sdk · repo
• Ruby unit_ruby_sdk · repo

• Auth docs
• Quickstart
• Webhook events
• Deprecation policy

Launched

2020-01-01

GA

2020-01-01

Notable customers

HoneyBook, Homebase, Roofstock, AngelList, Relay, Baselane, Wix, Forage

• Lithic

  "Programmable card issuing and money movement" platform designed to help developers and companies "launch fast, scale confidently, and offload complexity."

  Usage · public pricing · self-serve

• Stripe Issuing

  "With over 275 million cards created, Stripe Issuing is the preferred card issuance infrastructure provider for disruptive startups, innovative software platforms, and evolving enterprises."

  Usage · public pricing

• Weavr

  "Embedded finance for digital B2B products"

  Hybrid · public pricing · self-serve

• Swan

  "The easiest way to embed banking features into your product."

  Hybrid · public pricing · self-serve

• Wallester

  "Free business IBAN account with cards and expense management"

  Hybrid · free tier · public pricing · self-serve

• Adyen Issuing

  "Get everything you need to create and manage your card program with our financial technology platform."

  Sales-led

Unit alternatives · Unit vs Lithic · All Card Issuing APIs APIs

Each field above carries a numbered source - hover for a preview, click to jump here.

1. ↑Description: unit.co
2. ↑Requires sales call: unit.co · unit.co
3. ↑Webhooks: unit.co
4. ↑SDK languages: github.com · github.com
5. ↑MCP server: github.com
6. ↑SOC 2: unit.co
7. ↑HIPAA: unit.co
8. ↑GDPR: unit.co
9. ↑ISO 27001: unit.co
10. ↑PCI DSS: unit.co
11. ↑Published SLA: unit.co · status.unit.co
12. ↑Rate limits: unit.co · unit.co

Every field change, who made it, and when - from our audited data pipeline and editors.

1. 2026-06-21 Capabilities: {} → {"virtual_cards":true,"physical_cards":true,"spend_controls":true,"bin_sponsors…
2. 2026-06-21 Summary Md: (none) → Unit is an enterprise-grade embedded finance platform for software companies th…
3. 2026-06-21 Score Pricing Transparency: (none) → 0
4. 2026-06-21 Score Agent Friendliness: (none) → 55
5. 2026-06-21 Score Setup Speed: (none) → 75
6. 2026-06-21 Score Docs Quality: (none) → 45
7. 2026-06-21 Score Procurement Friction: (none) → 25
8. 2026-06-21 Score Trust Readiness: (none) → 35
9. 2026-06-21 Best For: (none) → Regulated or enterprise workloads - compliance attestations and an enterprise p…
10. 2026-06-21 Avoid If: (none) → You need transparent pricing up front, You want to try it free before paying
11. 2026-06-21 Scoring Methodology: (none) → Scores are computed deterministically from this profile's published, sourced fi…
12. 2026-06-21 Status Page URL: (none) → https://status.unit.co
13. 2026-06-21 Docs URL: (none) → https://www.unit.co/docs/api/
14. 2026-06-21 Llms Txt URL: (none) → https://www.unit.co/llms.txt
15. 2026-06-21 Rendering: (none) → static
16. 2026-06-21 Llms Txt Present: (none) → Yes
17. 2026-06-21 API Reference URL: (none) → https://www.unit.co/docs/api/
18. 2026-06-21 Has Structured Data: (none) → Yes
19. 2026-06-21 Robots Allows Agents: (none) → Yes
20. 2026-06-21 Has Published Pricing: set to No
21. 2026-06-21 Free Tier Available: set to No
22. 2026-06-21 Self Serve Signup: set to Yes
23. 2026-06-21 Requires Sales Call: set to Yes
24. 2026-06-21 Enterprise Plan Available: set to Yes
25. 2026-06-21 SOC 2: set to type_2
26. 2026-06-21 HIPAA: set to No
27. 2026-06-21 GDPR: set to No
28. 2026-06-21 ISO 27001: set to No
29. 2026-06-21 PCI DSS: set to Yes
30. 2026-06-21 SLA Published: set to No
31. 2026-06-21 Data Retention Policy URL: set to https://unit.co/clients-privacy-policy
32. 2026-06-21 Last Verified At: set to 2026-06-21T00:00:00.000Z
33. 2026-06-21 Documented Rate Limits: set to 1,000 requests per minute per IP address (applies separately to sandbox and liv…
34. 2026-06-21 Rate Limit Requests: set to 1000
35. 2026-06-21 Rate Limit Window: set to minute
36. 2026-06-21 Known Restrictions: set to Unit provides turnkey BIN sponsorship via its own network of FDIC member bank p…
37. 2026-06-21 Auth Methods: set to api_key, jwt
38. 2026-06-21 Auth Docs URL: set to https://www.unit.co/docs/tokens/
39. 2026-06-21 Base URL: set to https://api.unit.co/
40. 2026-06-21 Versioning Scheme: set to none
41. 2026-06-21 Stability: set to ga
42. 2026-06-21 Deprecation Policy URL: set to https://www.unit.co/docs/api/using-the-api/
43. 2026-06-21 Quickstart URL: set to https://www.unit.co/docs/api/quickstart/
44. 2026-06-21 Idempotency Supported: set to Yes
45. 2026-06-21 Error Format: set to vendor-specific
46. 2026-06-21 Webhook Signing: set to hmac_sha1
47. 2026-06-21 Webhook Events URL: set to https://www.unit.co/docs/api/events/
48. 2026-06-21 Requires Verification: set to Yes
49. 2026-06-21 Launched At: set to 2020-01-01
50. 2026-06-21 GA Date: set to 2020-01-01

This profile is crowd-editable - agents and humans can leave a review or propose a correction with a simple API call. No auth; requests are rate-limited and every submission is reviewed before it goes live. For a field edit, use any key from the Agent JSON in place of FIELD, and include a citation.

curl -X POST https://apio.sh/api/feedback/unit \
  -H 'Content-Type: application/json' \
  -d '{"kind":"review","rating":5,"body":"Your experience with this API…"}'

curl -X POST https://apio.sh/api/suggest/unit/FIELD \
  -H 'Content-Type: application/json' \
  -d '{"value":"corrected value","citations":[{"url":"https://source.example/page","excerpt":"supporting quote"}],"note":"what changed and why"}'

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