Customers

Customers represent individuals or businesses that you may create financial products for.

You cannot create customer resources directly — they are automatically created once an application is approved.

A customer can be one of BusinessCustomer, IndividualCustomer or TrustCustomer

info

We recommend listening to webhooks to be notified when a customer is created. Once you get notified, you may interact immediately with the customer resource to create financial products for them (e.g. deposit accounts).

Authorized Users

Authorized Users represent individuals that have full access to the Customer's financials - they are able to authenticate and create a Customer Token and initiate any activity on behalf of the customer. This feature is used mostly in Business customers and Sole Proprietors, where the customer is a Business that can have multiple individuals managing its financials.

note

For Individual customers, Authorized users should not be used, except for very specific use cases (e.g. Power of Attorney). Please consult Unit if you plan to use this feature for individuals.

Update Individual Customer

Update an IndividualCustomer. The Customer Updated webhook event will be fired.

note

Changes to a customer's name, date of birth and SSN require the discretion of a compliance officer and therefore cannot be changed using this endpoint. To change any of these, please contact Unit support with the change details and required documents (if there are any) and our compliance team will process the request for you.

Verb	PATCH
Url	https://api.s.unit.sh/customers/:customerId
Required Scope	customers-write or customer-tags-write
Data Type	individualCustomer
Timeout (Seconds)	5

Attributes

Name	Type	Description
address	Address	Optional. Address of the individual. To modify or add specify the new address.
phone	Phone	Optional. Phone of the individual. To modify or add specify the new phone number.
email	string	Optional. Email address of the individual. To modify or add specify the new email address.
dba	string	Optional. If the individual is a sole proprietor who is doing business under a different name. To modify or add specify the new dba name.
authorizedUsers	Optional. Array of AuthorizedUser	Array of authorized users. The provided array items will replace the existing ones.
tags	object	Optional. See Updating Tags.
jwtSubject	string	Optional. See this section for more information.

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	IndividualCustomer	Customer resource.

Update an individual customer:

curl -X PATCH 'https://api.s.unit.sh/customers/:customerId'-H 'Content-Type: application/vnd.api+json'-H 'Authorization: Bearer ${TOKEN}'--data-raw '{  "data": {    "type": "individualCustomer",    "attributes": {      "address": {        "street": "5231 Newell Rd",        "street2": null,        "city": "Palo Alto",        "state": "CA",        "postalCode": "94301",        "country": "US"      },      "email": "richard@piedpiper.com",      "phone": {        "countryCode": "1",        "number": "5555555555"      },      "authorizedUsers": [        {          "fullName": {            "first": "Jared",            "last": "Dunn"          },          "email": "jared@piedpiper.com",          "phone": {            "countryCode": "1",            "number": "1555555590"          }        }      ]    }  }}'

Update Business Customer

Update a BusinessCustomer. The Customer Updated webhook event will be fired.

note

Changes to a customer's name, date of birth and SSN require the discretion of a compliance officer and therefore cannot be changed using this endpoint. To change any of these, please contact Unit support with the change details and required documents (if there are any) and our compliance team will process the request for you.

Verb	PATCH
Url	https://api.s.unit.sh/customers/:customerId
Required Scope	customers-write or customer-tags-write
Data Type	businessCustomer
Timeout (Seconds)	5

Attributes

Name	Type	Description
address	Address	Optional. Address of the business. To modify specify the new address.
phone	Phone	Optional. Phone of the business. To modify specify the new phone number.
contact	BusinessContact	Optional. Primary contact of the business.
authorizedUsers	Optional. Array of AuthorizedUser	Array of authorized users. The provided array items will replace the existing ones.
dba	string	Optional. To modify or add specify the new dba name.
tags	object	Optional. See Updating Tags.

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	BusinessCustomer	Customer resource.

Update business customer:

curl -X PATCH 'https://api.s.unit.sh/customers/:customerId'-H 'Content-Type: application/vnd.api+json'-H 'Authorization: Bearer ${TOKEN}'--data-raw '{  "data": {    "type": "businessCustomer",    "attributes": {      "address": {        "street": "5231 Newell Rd",        "street2": null,        "city": "Palo Alto",        "state": "CA",        "postalCode": "94301",        "country": "US"      },      "phone": {        "countryCode": "1",        "number": "5555555555"      },      "contact": {        "fullName": {          "first": "Jone",          "last": "Doe"        },        "email": "jone.doe@unit-finance.com",        "phone": {          "countryCode": "1",          "number": "2025550108"        }      },      "authorizedUsers": [        {          "fullName": {            "first": "Jared",            "last": "Dunn"          },          "email": "jared@piedpiper.com",          "phone": {            "countryCode": "1",            "number": "1555555590"          }        }      ]    }  }}'

Update Trust Customer

Update an TrustCustomer. The Customer Updated webhook event will be fired.

note

Changes to a customer's name, date of birth and SSN require the discretion of a compliance officer and therefore cannot be changed using this endpoint. To change any of these, please contact Unit support with the change details and required documents (if there are any) and our compliance team will process the request for you.

Verb	PATCH
Url	https://api.s.unit.sh/customers/:customerId
Required Scope	customers-write or customer-tags-write
Data Type	trustCustomer
Timeout (Seconds)	5

Attributes

Name	Type	Description
contact	BusinessContact	Optional. Primary contact of the trust.
authorizedUsers	Optional. Array of AuthorizedUser	Array of authorized users. The provided array items will replace the existing ones.
tags	object	Optional. See Updating Tags.

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	TrustCustomer	Customer resource.

Update trust customer:

curl -X PATCH 'https://api.s.unit.sh/customers/:customerId'-H 'Content-Type: application/vnd.api+json'-H 'Authorization: Bearer ${TOKEN}'--data-raw '{  "data": {    "type": "trustCustomer",    "attributes": {      "contact": {        "fullName": {          "first": "Jone",          "last": "Doe"        },        "email": "jone.doe@unit-finance.com",        "phone": {          "countryCode": "1",          "number": "2025550108"        },        "address": {          "street": "5231 Newell Rd",          "street2": null,          "city": "Palo Alto",          "state": "CA",          "postalCode": "94301",          "country": "US"        }      },      "authorizedUsers": [        {          "fullName": {            "first": "Jared",            "last": "Dunn"          },          "email": "jared@piedpiper.com",          "phone": {            "countryCode": "1",            "number": "1555555590"          }        }      ]    }  }}'

Get by Id

Get a customer resource by id.

Verb	GET
Url	https://api.s.unit.sh/customers/{id}
Required Scope	customers
Timeout (Seconds)	5

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	BusinessCustomer, IndividualCustomer or TrustCustomer	Customer resource. Can be one of business, individual or trust, as indicated by the type field.

curl -X GET 'https://api.s.unit.sh/customers/8' \-H "Authorization: Bearer ${TOKEN}"

List

List customer resources. Paging can be applied.

Verb	GET
Url	https://api.s.unit.sh/customers
Required Scope	customers
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[query]	string	(empty)	Optional. Search term according to the Full-Text Search Rules.
filter[email]	string	(empty)	Optional. Filter customers by email address (case sensitive).
filter[tags]	Tags (JSON)	(empty)	Optional. Filter Customers by Tags.
filter[status][]	string	(empty)	Optional. Filter customers by status (Active, Archived). Usage example: *filter[status][0]=Active
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/customers?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 BusinessCustomer, IndividualCustomer or TrustCustomer	Array of customer resources. Each resource can be one of business, individual or trust, as indicated by the type field.
meta	JSON object that contains pagination data	Pagination data includes offset, limit and total (total items).

Example Response:

{  "data": [    {      "type": "businessCustomer",      "id": "1",      "attributes": {        "createdAt": "2020-05-10T12:28:37.698Z",        "name": "Pied Piper",        "address": {          "street": "5230 Newell Rd",          "street2": null,          "city": "Palo Alto",          "state": "CA",          "postalCode": "94303",          "country": "US"        },        "phone": {          "countryCode": "1",          "number": "1555555566"        },        "stateOfIncorporation": "DE",        "ein": "123456789",        "entityType": "Corporation",        "contact": {          "fullName": {            "first": "Richard",            "last": "Hendricks"          },          "email": "richard@piedpiper.com",          "phone": {            "countryCode": "1",            "number": "1555555566"          }        },        "status": "Active"      },      "relationships": {        "org": {          "data": {            "type": "org",            "id": "1"          }        },        "application": {          "data": {            "type": "businessApplication",            "id": "1"          }        }      }    },    {      "type": "individualCustomer",      "id": "8",      "attributes": {        "createdAt": "2020-05-12T19:41:04.123Z",        "fullName": {          "first": "Peter",          "last": "Parker"        },        "ssn": "721074426",        "address": {          "street": "20 Ingram St",          "street2": null,          "city": "Forest Hills",          "state": "NY",          "postalCode": "11375",          "country": "US"        },        "dateOfBirth": "2001-08-10",        "email": "peter@oscorp.com",        "phone": {          "countryCode": "1",          "number": "1555555566"        },        "status": "Active"      },      "relationships": {        "org": {          "data": {            "type": "org",            "id": "1"          }        },        "application": {          "data": {            "type": "individualApplication",            "id": "8"          }        }      }    }  ],  "meta": {    "pagination": {      "total": 2,      "limit": 100,      "offset": 0    }  }}

Archive Customer

Archive a customer. The Customer Archived webhook event will be fired.

note

Archiving a Customer is a final action that cannot be undone.
Once a Customer has been archived, they become read-only and no changes can be made to anything associated with that customer.
You may only archive a customer after all their account have been closed.
In the future, if you would like to provide financial services to the same customer, they would have to submit a new Application

Verb	POST
Url	https://api.s.unit.sh/customers/:customerId/archive
Required Scope	customers-write
Data Type	customerArchive
Timeout (Seconds)	5

Attributes

Name	Type	Description
reason	string	The reason for archiving the customer. Needs to be one of Inactive, FraudACHActivity, FraudCardActivity, FraudCheckActivity, FraudApplicationHistory, FraudAccountActivity, FraudClientIdentified, FraudLinkedToFraudulentCustomer.

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	BusinessCustomer, IndividualCustomer or TrustCustomer	Customer resource. Can be one of business, individual or trust, as indicated by the type field.

Archive Customer:

curl -X POST 'https://api.s.unit.sh/customer/10000/archive'-H 'Content-Type: application/vnd.api+json'-H 'Authorization: Bearer ${TOKEN}'--data-raw '{  "data": {    "type": "archiveCustomer",    "attributes": {      "reason": "FraudCardActivity"    }  }}'

Add Authorized Users

Add authorized users for a customer. The Customer Update webhook event will be fired.

note

When adding an authorized user with the same Email as an existing authorized users of the customer, the existing authorized user info will be updated according to the info in the request.

Verb	POST
Url	https://api.s.unit.sh/customers/:customerId/authorized-users
Required Scope	customers-write
Data Type	addAuthorizedUsers
Timeout (Seconds)	5

Attributes

Name	Type	Description
authorizedUsers	Array of AuthorizedUser	Array of authorized users. The provided array items will be added to the existing ones.

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	BusinessCustomer, IndividualCustomer or TrustCustomer	Customer resource. Can be one of business, individual or trust, as indicated by the type field.

Add Customer Authorized Users:

curl -X POST 'https://api.s.unit.sh/customers/10000/authorized-users'-H 'Content-Type: application/vnd.api+json'-H 'Authorization: Bearer ${TOKEN}'--data-raw '{  "data": {    "type": "addAuthorizedUsers",    "attributes": {      "authorizedUsers": [        {          "fullName": {            "first": "Erlich",            "last": "Backman"          },          "email": "erlich@piedpiper.com",          "phone": {            "countryCode": "1",            "number": "1234567890"          }        }      ]    }  }}'

Remove Authorized Users

Remove existing authorized users from a customer. The Customer Update webhook event will be fired.

note

Authorized users emails are unique, when removing an authorized user it is identified only by its email address

Verb	DELETE
Url	https://api.s.unit.sh/customers/:customerId/authorized-users
Required Scope	customers-write
Data Type	removeAuthorizedUsers
Timeout (Seconds)	5

Attributes

Name	Type	Description
authorizedUsersEmails	Array of emails (strings)	The list of authorized users emails to remove from the customer.

Response

Response is a JSON:API document.

200 OK

Field	Type	Description
data	BusinessCustomer, IndividualCustomer or TrustCustomer	Customer resource. Can be one of business, individual or trust, as indicated by the type field.

Remove Customer Authorized Users:

curl -X DELETE 'https://api.s.unit.sh/customer/10000/authorized-users'-H 'Content-Type: application/vnd.api+json'-H 'Authorization: Bearer ${TOKEN}'--data-raw '{  "data": {    "type": "removeAuthorizedUsers",    "attributes": {      "authorizedUsersEmails": [        "jared@piedpiper.com"      ]    }  }}'