Provider directory · Deposit and account switching
Atomic
Atomic provides user-permissioned access to payroll systems and merchants for direct deposit switching, income and employment verification, and bill and subscription switching.
Atomic's own documentation covers income and employment verification, pay statements, tax forms, direct deposit switching, 401(k) and retirement, earned wage access. 1 of 10 scored cells are unverified.
Consumer-permissioned · field-level docs publicly readable · last verified 2026-09-26 · Atomic Docs — UserLink
| Field | Value | Conf | Note — and what a correct answer needed |
|---|---|---|---|
| Income and employment verification | Yes — Verify | D | Verify lets you 'Verify a user's income, employment status, and identity'; employment data includes employmentStatus, jobTitle, startDate, payCycle, weeklyHours and employer. Source |
| Pay statements | Yes — statements + PDFs | D | Statements include date, grossAmount, netAmount, hours and earnings and deductions arrays; paystub PDFs (URL valid one hour) come with parsedData. Source |
| Tax forms | Yes — W-2, 1099, 1040 | D | The taxes type field: 'Possible values include w2, 1040 and 1099', with totalWages, a PDF url and parsedData. Source |
| Direct deposit switching | Yes — Deposit | D | Deposit: 'Update the destination bank account of paychecks', with flexible paycheck allocation. Source |
| Deduction and benefit write | Unverified | U | Current docs list Deposit and Verify for payroll plus merchant switching; no payroll deduction write was found. |
| 401(k) and retirement | Read — 'retirement' category | D | Deduction category is described as 'such as taxes, benefits, or retirement'; parsed W-2 data includes retirementPlan and box 12 codes. No deferral write. Source |
| Earned wage access | Pay-period fields | D | Income data includes nextExpectedPayDate, currentPayPeriodStart/End and unpaidHoursInPayPeriod ('hours the employee has worked in the current pay period which are to be paid out in the next pay cycle'), plus timesheets. Source |
| Data freshness | Linked Accounts + webhooks | D | 'Atomic's Linked Accounts feature allows you to periodically update VOIE data on-demand', often without user interaction; webhooks deliver payroll events. No fixed cadence is stated. Source |
| Permission and auth model | Consumer login via Transact | D | Server calls POST /access-token with x-api-key and x-api-secret to get a publicToken, then the user authenticates to payroll in the Transact SDK. CoAuth uses 'personal information rather than traditional credentials' at partner providers. Source |
| Coverage claim (as stated) | 90% of US payroll providers | D | 'Atomic connects to 90% of U.S. payroll providers, including gig platforms, government benefits, and traditional employers.' A share of providers, not of the workforce. Source |