Application Forms

Unit offers a fully customizable onboarding front-end that allows you to onboard end-customers, both individuals and businesses.

Using Unit's white-label experience has many benefits:

Shorter time to market compared to building your own flow.
Benefit from Unit's technology, compliance and fraud expertise - Unit's onboarding experience offers responsive, mobile friendly design, and includes phone number verification and on-device fraud detection measures to reduce fraud risk. We monitor and track the application form closely, and it will continue to develop and deliver a frictionless experience that guarantees you are compliant with the evolving regulation.
No maintenance required: any future changes to the onboarding process will be handled by Unit.

If you prefer to build your own custom experience, you may still do so using Unit's Applications API.

Overview

You may create a new application form by using the Create Application Form endpoint. When you make this call, you can specify:

Any information you have on the customer that can be used to pre-fill the application form
Your preferences/restrictions for this specific application (e.g. Individual vs Business application)

When the API call is received, Unit will create an application form resource, and generate an application form link. This link is returned in the response to the API call, along with an application form ID. This link is valid for 24 hours, and you can receive a fresh link that will allow the user to resume the application by calling the GET application form endpoint. It is up to you to manage the distribution of this link and manage all communication around the application form (sending emails, or redirecting the customers).

White-Labeling and Customization

You may customize the application form experience in the "Org Settings" page of the Dashboard, under the "Application form" tab. Some of the values are required (for example, your name and logo), and not providing them will result in an error response when creating the application form.

note

Unit supports all font types but recommends using *.WOFF for best results

Customizing the Application Form Domain

Unit supports white-labeling of the application form URL. To the end-customer, it will look like the application form is hosted on your sub-domain, while in practice it would be hosted by Unit.

To customize the URL:

On the Unit Dashboard, go to Org Settings / Application Form and configure the subdomain.
Click “setup” and provide the URL you would like to use (e.g. apply.yourdomain.com). A new box called "DNS Settings" will show up on the form. The box includes 2 CNAME records that you will have to configure on your DNS provider within 72 hours in order to verify the domain. Examples:

Record Name	Type	Record Value
_x1.apply.yourdomain.com	CNAME	_x2.acm-validations.aws.
apply.yourdomain.com	CNAME	application-form.sh

The first record is used to issue a certificate and to prove the domain ownership. x1, x2 are auto-generated random strings.
The second record will redirect your new subdomain to Unit's application form

After configuring the DNS records, return to the DNS Settings box and click Verify.

If the status has changed from "Unverified" to "Verified", you have completed the subdomain configuration.

If the status has not changed, the verification has not been completed. Note that the verification process may take a couple of minutes and in rare cases even hours, so wait a couple of minutes before retrying the verification.

Disclosures

You would need to provide between 4 and 6 disclosure URLs, depending on your specific implementation. If you are not sure which disclosures are relevant to you, reach out to our compliance team for help. The list of disclosures includes:

Consent to Electronic Disclosures
Privacy Policy
Deposit Terms & Conditions
Client Terms of Service
Cardholder Terms and Conditions (optional)
Cash Advance Terms and Conditions (optional)

Keeping track of the application form status

You may follow the progress of the application by registering to the relevant webhooks (application.denied, application.awaitingDocuments, application.pendingReview, customer.created). You can also check the status by getting the application form resource.

Once an application is created, it will have a relationship with the application form that it was created through (you can match it or search for it using the application form id that you had received in the application-forms api response).

Thanks to tag inheritance, if you had tagged the application form, the same tags will show up on the application resource, and later on, the customer resource, if the application is approved.

Create Application Form

To onboard an end-customer through Unit's UI, create an ApplicationForm resource

The application form implements the Create Individual Application or Create Business Application calls, depending on the user's choice in the interface.

Verb	`POST`
Url	`https://api.s.unit.sh/application-forms`
Required Scope	`applications-write`
Data Type	`applicationForm`
Timeout (Seconds)	`5`

Attributes

Name	Type	Description
tags	object	Optional. See Tags. Tags that will be copied to the application that this form creates (see Tag Inheritance).
applicantDetails	ApplicationFormPrefill	Optional. Add data that is already known about the end-customer to be auto populated on the form.
allowedApplicationTypes	Array of `Individual`, `Business` or `SoleProprietorship`.	Optional. restrict the available application type for this specific application.
lang	String	Optional. Language of application form. Either `en` or `es`. If not specified, will default to `en`.
settingsOverride	ApplicationFormSettingsOverride	Optional. Override disclosure URLs that were defined in the application form settings.
requireIdVerification	RequireIdVerification	Optional. Decide whether to require ID verification regardless of evaluation response.
hideApplicationProgressTracker	Boolean	Optional. Decide whether to show an application form left side bar.

Example Request:
curl -X POST 'https://api.s.unit.sh/application-forms'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "applicationForm",
    "attributes": {
      "tags": {
        "userId": "106a75e9-de77-4e25-9561-faffe59d7814"
      },
      "allowedApplicationTypes": [
        "Individual",
        "Business"
      ],
      "lang": "en"
    }
  }
}'

Response

Response is a JSON:API document.

201 Created

Field	Type	Description
tags	object	See Tags. Tags that will be copied to the application that this form creates (see Tag Inheritance).
url	string	The URL of the application form for the end-customer to access
stage	string	Current stage of the application form, one of: `ChooseBusinessOrIndividual`, `EnterIndividualInformation`, `IndividualPhoneVerification`, `IndividualApplicationCreated`, `EnterBusinessInformation`, `EnterBusinessAdditionalInformation`, `EnterOfficerInformation`, `BusinessPhoneVerification`, `EnterBeneficialOwnersInformation`, `BusinessApplicationCreated`, `EnterSoleProprietorshipInformation`, `EnterSoleProprietorshipBusinessInformation`, `SoleProprietorshipPhoneVerification`, `SoleProprietorshipApplicationCreated`
applicantDetails	ApplicationFormPrefill	Data that is already known about the end-customer to be auto populated on the form.
settingsOverride	ApplicationFormSettingsOverride	Disclosure URLs that will override the ones that were defined in the application form settings.

Example Response:
{
  "data": {
    "type": "applicationForm",
    "id": "95",
    "attributes": {
      "tags": {
        "userId": "106a75e9-de77-4e25-9561-faffe59d7814"
      },
      "url": "https://application-form.sh/6YZ3UG6RS7NGTO5ZB3A4SRO3NEYPJUREYIIKZDOOX2CTWBPZ4A343UB4KZSQRF3DHHKYECF4S45VP7Y2YUP5WGEHO4YVH25Q24JRM4UA5IW3OM552HAFJ3HIVIUJGJBFQ4UJMZ3VGXUG6L5XFKE2W7YX7KDOC2J",
      "stage": "ChooseBusinessOrIndividual"
    }
  }
}

Create an Application Form from an existing Application

You may create an application form for an existing application. To do that, pass an application as a relationship with the relevant application id. This will generate a new application form respectively, that can be used to complete an application that was previously submitted. If the application form already exists for this application id it will return the existing one.

note

The main use case for this flow is for applications that require document verification. Since there are multiple documents types and many different flows, building a document verification experience requires some engineering investment. Creating an application form from an application that is awaiting documents allows the end-customer to safely upload the documents required, shortens time to market and reduces engineering effort.

Example Request:
curl -X POST 'https://api.s.unit.sh/application-forms'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "applicationForm",
    "attributes": {},
    "relationships": {
      "application": {
        "data": {
          "type": "application",
          "id": "11111"
        }
      }
    }
  }
}'

Example Response:
{
  "data": {
    "type": "applicationForm",
    "id": "95",
    "attributes": {
      "tags": {
        "userId": "106a75e9-de77-4e25-9561-faffe59d7814"
      },
      "url": "https://application-form.sh/6YZ3UG6RS7NGTO5ZB3A4SRO3NEYPJUREYIIKZDOOX2CTWBPZ4A343UB4KZSQRF3DHHKYECF4S45VP7Y2YUP5WGEHO4YVH25Q24JRM4UA5IW3OM552HAFJ3HIVIUJGJBFQ4UJMZ3VGXUG6L5XFKE2W7YX7KDOC2J",
      "stage": "SoleProprietorshipApplicationCreated"
    },
    "relationships": {
      "application": {
        "data": {
          "type": "application",
          "id": "11111"
        }
      }
    }
  }
}

Get by Id

Get an application form resource by id.

You will receive a fresh 24-hour URL for the existing form, allowing the customer to resume the application.

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

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	ApplicationForm	The application form resource.
included	IndividualApplication or BusinessApplication	Optional, Application resource. Can be either business or individual, as indicated by the `type` field.

curl -X GET 'https://api.s.unit.sh/application-forms/21?include=application' \
-H "Authorization: Bearer ${TOKEN}"

List

List application form resources. Paging can be applied.

Verb	`GET`
Url	`https://api.s.unit.sh/application-forms`
Required Scope	`application-forms`
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. See Pagination.
page[offset]	integer	0	Optional. Number of resources to skip. See Pagination.
filter[tags]	Tags (JSON)	(empty)	Optional. Filter Application forms by Tags.
sort	string	`sort=-createdAt`	Optional. `sort=createdAt` for ascending order or `sort=-createdAt` (leading minus sign) for descending order.

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

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	Array of ApplicationForm	Array of application form resources.

Example Response:
{
  "data": [
    {
      "type": "applicationForm",
      "id": "95",
      "attributes": {
        "tags": {
          "userId": "106a75e9-de77-4e25-9561-faffe59d7814"
        },
        "url": "https://application-form.sh/6YZ3UG6RS7NGTO5ZB3A4SRO3NEYPJUREYIIKZDOOX2CTWBPZ4A343UB4KZSQRF3DHHKYECF4S45VP7Y2YUP5WGEHO4YVH25Q24JRM4UA5IW3OM552HAFJ3HIVIUJGJBFQ4UJMZ3VGXUG6L5XFKE2W7YX7KDOC2J",
        "stage": "IndividualApplicationCreated"
      },
      "relationships": {
        "application": {
          "data": {
            "type": "application",
            "id": "10098"
          }
        }
      }
    },
    {
      "type": "applicationForm",
      "id": "96",
      "attributes": {
        "tags": {
          "userId": "106a75e9-de77-4e25-9561-faffe59d7814"
        },
        "url": "https://application-form.sh/6YZ3UG6RS7NGTO5ZB3A4SRO3NEYPJUREYIIKZDOOX2CTWBPZ4A343UB4KZSQRF3DHHKYECF4S45VP7Y2YUP5WGEHO4YVH25Q24JRM4UA5IW3OM552HAFJ3HIVIUJGJBFQ4UJMZ3VGXUG6L5XFKE2W7YX7KDOC2J",
        "stage": "BusinessApplicationCreated"
      },
      "relationships": {
        "application": {
          "data": {
            "type": "application",
            "id": "10099"
          }
        }
      }
    }
  ]
}

Application Forms

Overview​

White-Labeling and Customization​

Customizing the Application Form Domain​

Disclosures​

Keeping track of the application form status​

Create Application Form​

Attributes​

Response​

201 Created​

Create an Application Form from an existing Application​

Get by Id​

Response​

200 OK​

List​

Query Parameters​

Response​

200 OK​

Overview

White-Labeling and Customization

Customizing the Application Form Domain

Disclosures

Keeping track of the application form status

Create Application Form

Attributes

Response

201 Created

Create an Application Form from an existing Application

Get by Id

Response

200 OK

List

Query Parameters

Response

200 OK