Atomic

Overview

Founded in 2019 and based in Salt Lake City, Utah, this fintech company specializes in payroll connectivity solutions, offering payroll APIs and open banking infrastructure to financial institutions, neobanks, lenders, and brokerages. Its platform enables secure access to consumer payroll data and automates various financial actions, including direct deposit switching, income and employment verification, and subscription management.

Serving a diverse client base with more than 450 payroll connections—spanning traditional providers, HR tech, gig platforms, and government systems—the company partners with 8 of the top 10 U.S. financial institutions and collaborates with over 70 tech partners. Focusing on customer engagement and connected banking, the founders seek to enhance financial access for underserved consumers through innovation.

Basic Information

Contact Details

• Phone: +1 800-494-9407
• Website: atomic.financial
• LinkedIn: linkedin.com/company/atomic-fi

Key Focus Areas & Initiatives

• Direct deposit switching
• Verification of income & employment
• Payment method switching
• Trueauth technology
• User-permissioned access
• Customer primacy
• Embedded financial tools
• Payment switching
• Subscription management
• Tax document access
• Data privacy
• User-centric design
• Employment verification
• API security
• Customer retention tools
• Payment method update
• Open banking
• Third-party integrations
• Payroll integration
• Income verification
• Financial product development
• User experience
• Data encryption
• Payroll data integration
• Bill optimization
• Tax refund access
• Banking software
• Consumer financial empowerment
• Payment processing
• API
• Financial infrastructure
• Frictionless direct deposit
• Deposit switching
• SOC 2
• Financial connectivity
• Digital financial ecosystem
• Services
• Authentication
• Embedded payroll APIs
• User authentication
• Payroll provider connectivity
• API integration
• Account primacy
• Bill management
• Secure login
• Digital banking
• B2B
• Cloud infrastructure
• Real-time income verification
• Compliance standards
• Consumer finance
• Fintech API platform
• Data security
• Customer retention
• Payroll data
• Transaction data
• Tax access
• Customer engagement
• Open finance
• Automated bill negotiation
• Banking APIs
• Transaction monitoring
• Subscription cancellation API
• Payroll connectivity
• Computer systems design and related services
• Financial data security
• Account management
• Income and employment validation
• Recurring payment management
• Bill and subscription tracking
• Customer onboarding
• Payment credential update
• Account linking
• Third-party account linking
• Payment automation
• Open finance platform
• Embedded banking solutions
• Cloud security
• Real-time data retrieval
• Subscription analytics
• Secure authentication
• Merchant data enrichment
• Fintech
• Account growth
• Real-time verification
• AWS cloud
• Secure data transfer
• Subscription fraud prevention
• SOC 2 compliance
• Identity verification
• API-driven banking
• Transaction dispute reduction
• Frictionless onboarding
• Customer experience
• AWS hosting
• Payment gateway
• Account primacy solutions
• B2C
• Financial inclusion
• API SDK
• Fintech solutions
• Cloud-based APIs
• Account switching automation
• API developer tools
• Open banking SDKs
• Consumer authentication
• SDK
• Financial wellness tools
• Financial product onboarding
• Direct deposit
• Permissioned access
• Authentication solution
• Paylink
• Consumer access
• Real-time notifications
• Secure payments
• AI-driven authentication
• Cryptocurrency payments
• Gig economy solutions
• Customizable SDK
• Omnichannel experience
• Smartauth
• Trueauth
• Bank switching
• User permissions
• Mobile banking
• Financial institutions
• Empower consumers
• Financial mobility
• Loan verification
• Credit card payments
• Personal finance
• Income validation
• Real estate transactions
• Employee benefits access
• Access to financial services
• User journeys
• Developer toolkit
• Financial analytics
• Cross-selling opportunities
• Seamless user experience
• Subscription insights
• SaaS
• Finance
• UX
• Enterprise software
• Enterprises
• Computer software
• Information technology & services
• Internet infrastructure
• Internet
• Computer & network security
• Finance technology

Technologies Used

• Amazon AWS
• Android
• Facebook Custom Audiences
• Facebook Login (Connect)
• Facebook Widget
• Gmail
• Google AdWords Conversion
• Google Apps
• Google Tag Manager
• Hubspot
• Linkedin Marketing Solutions
• Mobile Friendly
• Remote
• Route 53
• Snowflake
• WordPress.org

Affiliated Organizations & Regional Branches