Atomic - Complete Company Profile

Who Is It For

Financial institutions
Lenders
Employers
Fintech platforms
Gig platforms
Traditional employers

Requirements

User must have access to their payroll provider credentials for authentication.

Detailed Sections

Verify simply and accurately

Secure and accurate employment and income verification in real-time.

Atomic's Verify replaces outdated paper processes, manual uploads, and third-parties.

Fast verification, without friction

Direct payroll integrations deliver accurate, cost-effective verifications—right in your platform.

Faster approvals: Instant data retrieval speeds up loan approvals, account openings, and employment background checks.
Reduces costs: Avoid expensive third-party data fees and eliminate inefficiencies.
Minimize fraud: Direct integrations ensure tamper-proof data, reducing risk.

Key features

Directly connected: Direct connection to payroll systems eliminates need for databases or extraneous reports.
Comprehensive data: Real-time data with greater accuracy than traditional credit bureau-based models.
Seamless user experience: Verification is complete in seconds without manual uploads or HR calls.

How it works

Forget friction and slow onboarding, Atomic's verification is instant, seamless, and secure.

Payroll authentication: Users authenticate directly with their payroll provider.
Data retrieval: Atomic retrieves verified employment and income data in real time.
Access data: Lenders, employers, and financial institutions receive accurate insights.

Why Atomic?

Atomic is for financial institutions who want to create value-add services, and help customers be in control of their money.

Coverage: Connects to 90% of U.S. payroll providers, including gig and traditional employers.
TrueAuth: Secure, direct user authentication for a fast, fraud-resistant experience.
Developer experience: Built on Atomic’s Transact SDK for easy integration.

Get a demo

Deliver fast, reliable verification today. Partner with Atomic to enhance customer experience and operational efficiency.

Request a product demo
Receive customized pricing
Get help onboarding

Call to Actions

https://atomic.financial/manage/

Bill Optimization

Bill Optimization by Atomic is a platform that empowers users to track, manage, and optimize their bills and subscriptions. It provides actionable insights, automated notifications, and direct controls (pause, cancel, reactivate) for recurring payments, helping users save money and avoid unnecessary charges.

Added 12/5/2025

Product Overview

Atomic's Bill Optimization solution helps users take control of their finances by automating the management, tracking, and optimization of bills and subscriptions. It enables financial institutions to offer their customers actionable tools to monitor, manage, and reduce recurring expenses, all within their own digital platforms.

Detailed Description

Key Features

Unified billing dashboard for tracking and managing bills
Notifications for upcoming payments and new statements
Ability to pay bills directly within the app
Pause, cancel, or reactivate subscriptions with one click
Usage-based recommendations for plan optimization
Merchant and SKU-level transaction data with logos and delivery confirmation
Coverage across subscriptions, utilities, insurance, and merchant wallets
Secure, direct user authentication via TrueAuth
Flexible integration via SDKs or headless API

Key Benefits

Automated bill and subscription tracking
Actionable insights to reduce spend
Direct controls to pause, cancel, or reactivate subscriptions
Alerts for upcoming payments and free trial expirations
Spend analysis and clear transaction data
Reduced support costs and chargebacks for financial institutions
Increased customer engagement and satisfaction

Use Cases

Subscription management
Bill tracking and payment
Plan optimization based on actual usage
Reducing subscription-related disputes and chargebacks
Providing self-service tools for recurring payment management

How It Works

1.Users connect their accounts to Atomic's platform via secure authentication.

2.The dashboard aggregates and displays all recurring bills and subscriptions.

3.Users receive alerts for upcoming payments, new statements, and free trial expirations.

4.Users can pause, cancel, or reactivate subscriptions directly from the platform.

5.The system analyzes app and service usage to recommend savings opportunities.

6.Atomic surfaces clear merchant data to help users recognize transactions and avoid disputes.

Documentation

Who Is It For

Financial institutions seeking to add value-added services
Banks and fintechs wanting to help customers control their money
End users who want to manage and optimize recurring bills and subscriptions

Requirements

Integration with Atomic's SDK or API into the financial institution's app or platform
User consent and authentication for account and bill access

Detailed Sections

The action layer for smarter spending subscriptions management bill tracking plan optimization

Help your customers take control of their finances and unlock savings by automating the way they manage their bills and subscriptions.

Bills and subscriptions are hard to stay on top of. Help your users track, manage, and optimize theirs.

Bill tracking

A billing dashboard that was built to help users take action. Enable users to track bills, receive alerts, and analyze spending—all in one place.

Pause, cancel, or reactivate subscriptions directly from your platform
Send users notifications about their upcoming payments and new statements
Allow users to pay any of their bills from within your app
Help users understand their spend with data and insights
Users can access nearly every app imaginable through TrueAuth
Atomic's Transact SDK makes using Atomic a breeze

Subscription management

A personal assistant that tracks recurring charges. Identify active subscriptions, pause or cancel with one click, send alerts when free trials are ending, schedule future subscription reactivations.

Identify active subscriptions
Pause or cancel with one click
Send alerts when free trials are ending
Schedule future subscription reactivations

Plan optimization

A system that analyzes app usage and finds ways to save. Recommendations come from actual usage data, not just transaction history. Users get immediate feedback and can confirm changes and cancellations immediately without leaving the banking app.

Usage-based recommendations for plan optimization
Immediate feedback and confirmation of changes

Context that prevents confusion.

Atomic surfaces merchant names, logos, SKU-level data, and even delivery confirmation so users have more insight on specific transactions. 50% of consumers investigated a purchase last year due to unclear transaction data. Recurring transactions have a 275% higher chargeback rate than one-time purchases.

Merchant names, logos, SKU-level data, and delivery confirmation
Reduces support tickets and chargebacks

Less ops load. More engagement.

Reducing user friction eases ops. Atomic gives users the details they need upfront—cutting costs and boosting primacy.

Average subscription-related dispute costs a bank $136 million annually
75% of banks report rising subscription-related disputes
82% of banks say reducing support costs through self-service is a high priority
85% of consumers want subscription management built into their banking app
Consumers underestimate their monthly subscription spend by an average of $133 and spend over $219/month
92% say clearer merchant data would help them recognize transactions

One integration, many use cases.

Atomic’s SDK integrates seamlessly to unlock value with minimal effort—boosting satisfaction, engagement, and reducing disputes fast. 94% of merchants have a team of 30+ employees managing subscription disputes. Let your users solve them in seconds—inside your app.

Get a demo Try for free Sign up for Atomic Learn more about using Manage

Why Atomic?

Atomic is for financial institutions who want to create value-add services, and help customers be in control of their money.

Broad coverage across subscriptions, utilities, insurance, and top merchant wallets
Actions like pausing, canceling, plan changes, and payment updates

TrueAuth

Enable secure, direct user authentication without requiring third-party integration of open authentication protocols.

Developer experience

Integrate flexibly with Atomic's SDK's for a customizable UI or use our headless API to build your own experience.

Get a demo

Unlock the action layer of your financial app. Request a product demo, receive customized pricing, get help onboarding.

Request a product demo
Receive customized pricing
Get help onboarding

Supporting Resources

📚

DocsDocumentation

📄

Insights

Call to Actions

Payment Switching

https://atomic.financial/switch/

Payment Switching by Atomic allows customers to update their payment credentials (card or ACH) for recurring charges across multiple merchants and subscriptions, all from within their banking or financial app. The solution is designed to reduce friction, prevent payment disruptions, and help financial institutions remain the preferred funding source for their customers.

Added 12/5/2025

Product Overview

Atomic's Payment Switching (Paylink Switch) enables users to update their payment methods (card or ACH) across merchants and subscriptions directly from their banking app, providing a seamless, secure, and user-friendly experience that keeps financial institutions top-of-wallet and increases transaction volume.

Detailed Description

Key Features

Update payment methods (card or ACH) across merchants and subscriptions
Switch multiple payments at once through a mobile app
Direct merchant authentication by users within the app
Automatic routing and updating of payment credentials for recurring charges
Track progress, pause, or resume updates as needed
Built on Atomic’s Transact SDK for seamless integration
Patented TrueAuth technology for secure, direct authentication

Key Benefits

Remain top-of-wallet and increase transaction volume
Improve customer retention and reduce churn
Provide a frictionless experience for updating payment methods
Reduce payment disruptions and attrition
Strengthen customer engagement and loyalty

Use Cases

Switching card-on-file for streaming services, utilities, insurance, and retail merchants
Updating payment credentials after card re-issuance or account changes
Optimizing recurring payments for account primacy

How It Works

1.Customers select which merchants and subscriptions to update.

2.Users authenticate with each merchant securely and directly from the app.

3.Atomic automatically updates payment credentials for recurring charges.

4.Customers can track progress and manage updates (pause/resume) as needed.

Documentation

Who Is It For

Banks and credit unions
Fintechs and neobanks
Financial institutions seeking to increase transaction volume and retention
Developers integrating payment switching into financial apps

Detailed Sections

A smarter way to switch payments

Remain top-of-wallet, increase transaction volume, and improve retention.

Update customer payment methods across merchants and subscriptions—without the hassle.

Paylink switch

Change a merchant's card-on-file right from your banking app. Provide a frictionless experience that keeps payments flowing and your institution top-of-wallet.

Hear from a customer using Switch

Flexible payment options

Remain the preferred funding source by allowing users to switch card and ACH payment methods.

Simplified user experience

Easily switch multiple payments at once all directly through the mobile app.

Increase transaction volume

Ensure your customers keep using your payment methods, reducing attrition and growing interchange revenue.

Reduce churn

Remove the friction of payment disruptions, keeping customers engaged with your banking services.

Strengthen engagement

Build long-term loyalty when your payment method is the primary choice for everyday.

Payment switching - How it works

No more headaches. Atomic makes switching payment credentials fast, easy, and secure.

Select merchants: Customers select which merchants and subscriptions they want to update.
Merchant authentication: Users authenticate with each merchant—securely and directly from your app.
Automatic routing: Atomic updates their payment credentials for recurring charges, reducing friction and ensuring uninterrupted payments.
Manage payments: Customers track their progress, pausing or resuming updates as needed.

Why Atomic?

Atomic offers a comprehensive approach that’s user-centric, secure, and simple.

TrueAuth: Patented technology powers direct, secure authentication without third-parties, passwords, or friction.
Developer experience: Built on Atomic’s Transact SDK, PayLink Switch integrates seamlessly with your app for a fast, low-lift implementation.
A complete solution: Switch is part of a broader solution that enables account primacy. Users can also update their direct deposit and optimize recurring payments—all within their banking app.

Hear from a customer using Paylink Switch

Customer testimonial from Spruce: 'This partnership allows us to offer intuitive and comprehensive tools that truly enhance our customers’ financial well-being.'

Get a demo

Offer a better payment switching experience. Partner with Atomic to enable payment credential switching—right from your app.

Request a product demo
Receive customized pricing
Get help onboarding

Call to Actions

Get a demo Try for free Sign up for Atomic Hear from a customer using Switch

Consumer Authentication

https://atomic.financial/authentication/

Atomic Consumer Authentication provides a suite of authentication methods designed to boost conversion rates and security for accessing payroll and merchant systems. The offering adapts to user context and platform requirements, supporting a range of integration and security needs.

Added 12/5/2025

Product Overview

Atomic Consumer Authentication offers adaptive, secure authentication methods to enhance security, improve user experience, and streamline access to payroll and merchant systems. The solution includes multiple authentication modules tailored to different needs, supporting credential-less, device-based, and adaptive authentication flows.

Detailed Description

Key Features

Multiple authentication modules (CoAuth, TrueAuth, StandardAuth, SmartAuth)
Adaptive authentication based on device type, previous activity, and application context
Credential-less and device-based login options
Automatic handling of authentication flows across platforms
Real-time, self-healing authentication using machine learning
Seamless integration with payroll and merchant systems

Key Benefits

Boosts conversion rates with adaptive authentication.
Enhances security by reducing credential exposure.
Improves user experience with streamlined, password-free and device-based logins.
Reduces engineering effort and downtime with self-healing authentication.
Supports broad integration with payroll and merchant systems.

How It Works

1.User initiates authentication via one of the available modules (CoAuth, TrueAuth, StandardAuth, SmartAuth).

2.Depending on the module, authentication may use personal info, device-based verification, or adaptive flows.

3.Authentication is completed with the payroll or merchant provider, often leveraging 2FA or direct device sessions.

4.SmartAuth continuously adapts to changes in authentication requirements using machine learning.

Documentation

Who Is It For

Financial services providers
Banks
Fintechs
Merchants requiring payroll or payment system access
Organizations seeking to streamline user authentication for payroll and merchant integrations

Requirements

Integration with supported payroll or merchant providers.
Some modules (e.g., CoAuth) require ongoing integration work for credential-less access.
Device compatibility for device-based authentication (TrueAuth).

Detailed Sections

Boost conversion rates with authentication that adapts

Atomic offers different authentication methods to enhance security, improve user experience, and streamline access to payroll and merchant systems.

Get a CoAuth demo Try CoAuth today

CoAuth

Password-free payroll authentication. Co-Auth provides a faster, easier way for users to access payroll systems without entering usernames or passwords.

Uses personal info (e.g., SSN, DOB) instead of credentials
Matches data with payroll records for identity verification
Completes login with payroll provider’s 2FA

TrueAuth

Secure device-based login. TrueAuth provides a secure way for users to log in directly to payroll or merchant systems without sharing credentials.

Authentication happens entirely on the user’s device
No credentials are shared with or stored by third parties
Reduces risk of exposure for enhanced security

Get a TrueAuth demo Try TrueAuth today

StandardAuth

Streamlined access across platforms. StandardAuth is an adaptive solution that simplifies authentication and ensures broad integration support.

Automatically handles required authentication flows
Supports a wide range of platform integrations
Ensures consistent and reliable connectivity

Get a StandardAuth demo Try StandardAuth today

SmartAuth

Adaptive, self-healing authentication. SmartAuth is an intelligent solution that adapts to changes in real time, reducing engineering effort and avoiding downtime.

Detect: Identify the required authentication flows.
React: Analyze and respond to changes in the authentication process over time.
Adapt: Automatically adjust in real-time to meet updated integration needs.
Authenticate: Deliver a seamless experience that improves user conversions.

Get a SmartAuth demo Try SmartAuth today

Get a demo

Start using Atomic Authentication today. To try Atomic Authentication, fill out the form. Expect a response within one business day.

Request a product demo
Receive customized pricing
Get help onboarding

Supporting Resources

📚

DocsDocumentation

Call to Actions

https://atomic.financial/manage/

Subscription Management

Atomic Subscription Management is a platform that empowers users to take control of their recurring bills and subscriptions. It provides a unified dashboard for tracking, managing, and optimizing subscriptions and bill payments, with actionable features like pausing, canceling, and reactivating subscriptions, as well as plan optimization based on actual usage data.

Added 12/5/2025

Product Overview

Atomic's Subscription Management solution enables financial institutions to help their customers track, manage, and optimize bills and subscriptions. The platform automates bill tracking, subscription management, and plan optimization, providing actionable insights and direct controls to end users within their banking or financial apps.

Detailed Description

Key Features

Unified billing dashboard for tracking bills and subscriptions
Pause, cancel, or reactivate subscriptions directly from the platform
Receive alerts for upcoming payments, new statements, and free trial expirations
Pay bills from within the app
Clear spend tracking with data and insights
Plan optimization based on actual app usage, not just transaction history
Surface merchant names, logos, SKU-level data, and delivery confirmation for transactions
Broad coverage across subscriptions, utilities, insurance, and merchant wallets
Secure, direct user authentication via TrueAuth
Quick integration via Atomic's SDK or headless API

Key Benefits

Automates bill and subscription management for end users
Helps users unlock savings by identifying unused or underused subscriptions
Reduces support costs and chargebacks for financial institutions
Boosts customer engagement and satisfaction
Provides actionable insights and notifications to prevent missed payments

Use Cases

Bill and subscription tracking for banking app users
Automated notifications for upcoming payments and free trial expirations
Subscription pause/cancel/reactivation to save money
Plan optimization based on real usage data
Reducing subscription-related disputes and support tickets

Documentation

Who Is It For

Financial institutions seeking to offer value-add services
Banks and fintechs wanting to help customers control their finances
End users who want to manage, track, and optimize their bills and subscriptions

Requirements

Integration with Atomic's SDK or API
End users must authenticate accounts via TrueAuth

Detailed Sections

The action layer for smarter spending subscriptions management bill tracking plan optimization

Help your customers take control of their finances and unlock savings by automating the way they manage their bills and subscriptions.

Bills and subscriptions are hard to stay on top of. Help your users track, manage, and optimize theirs.

Bill tracking

A billing dashboard that was built to help users take action. Enable users to track bills, receive alerts, and analyze spending—all in one place.

Pause, cancel, or reactivate subscriptions directly from your platform
Send users notifications about their upcoming payments and new statements
Allow users to pay any of their bills from within your app
Help users understand their spend with data and insights
Users can access nearly every app imaginable through TrueAuth
Atomic's Transact SDK makes using Atomic a breeze

A personal assistant that tracks recurring charges

Identify active subscriptions
Pause or cancel with one click
Send alerts when free trials are ending
Schedule future subscription reactivations

Plan optimization

A system that analyzes app usage and finds ways to save.

Recommendations come from actual usage data, not just transaction history
Immediate feedback and confirmation of changes/cancellations within the banking app

Context that prevents confusion.

Atomic surfaces merchant names, logos, SKU-level data, and even delivery confirmation so users have more insight on specific transactions.

50% of consumers investigated a purchase last year due to unclear transaction data
Recurring transactions have a 275% higher chargeback rate than one-time purchases

Less ops load. More engagement.

Reducing user friction eases ops. Atomic gives users the details they need upfront—cutting costs and boosting primacy.

The average subscription-related dispute costs a bank $136 million annually
75% of banks report rising subscription-related disputes
82% of banks say reducing support costs through self-service is a high priority
85% of consumers want subscription management built into their banking app
Consumers underestimate their monthly subscription spend by an average of $133 and spend over $219/month
92% say clearer merchant data would help them recognize transactions

One integration, many use cases.

Atomic’s SDK integrates seamlessly to unlock value with minimal effort—boosting satisfaction, engagement, and reducing disputes fast.

94% of merchants have a team of 30+ employees managing subscription disputes
Let your users solve them in seconds—inside your app

Learn more about using Manage

Why Atomic?

Atomic is for financial institutions who want to create value-add services, and help customers be in control of their money.

Broad coverage across subscriptions, utilities, insurance, and top merchant wallets
Actions like pausing, canceling, plan changes, and payment updates

TrueAuth

Enable secure, direct user authentication without requiring third-party integration of open authentication protocols.

Developer experience

Integrate flexibly with Atomic's SDK's for a customizable UI or use our headless API to build your own experience.

Learn more about using Manage

"The way consumers pay their bills is changing, and the banks that adapt will be positioned for a huge uptick in customer stickiness, loyalty and brand affinity." - Jordan Wright, Co-founder and CEO @ Atomic

Get a demo

Unlock the action layer of your financial app. Request a product demo, receive customized pricing, get help onboarding.

Request a product demo
Receive customized pricing
Get help onboarding

Supporting Resources

📚

DocsDocumentation

📄

Insights: Bill Pay is Dead. Long Live Bill Management.

Call to Actions

Get a demo Try for free Sign up for Atomic Learn more about using Manage

Direct Deposit Switching

https://atomic.financial/deposit/

Atomic's Direct Deposit Switching is a digital solution that allows users to seamlessly update and redirect their payroll direct deposits to a new or preferred financial institution. The process is designed to be frictionless, secure, and user-centric, enabling financial institutions to capture more deposits and deepen customer loyalty.

Added 12/5/2025

Product Overview

Atomic's Direct Deposit Switching solution enables users to effortlessly move their paychecks to your financial institution without leaving your app, driving primary account relationships, retention, and account growth.

Detailed Description

Key Features

Flexible paycheck allocation: users can choose how much of their paycheck to deposit
Live tracking and alerts: instant notifications when customers complete a switch or update allocations
Frictionless user experience: no need to leave the app
Automatic routing: direct link established to payroll provider
User authentication: secure payroll authentication process
Redirected payments: deposits can be redirected in full or in part
TrueAuth technology: patented authentication to reduce friction and drop-offs
Unmatched payroll coverage: connects to 90% of U.S. payroll providers, including gig, government, and traditional employers
Market-leading conversion rates

Key Benefits

Effortless direct deposit switching for users within your app
Flexible paycheck allocation (full or partial deposit redirection)
Live tracking and instant alerts for completed switches or allocation updates
Accelerated deposit funding and account growth
Boosted user engagement and adoption of additional financial products
Deepened customer loyalty and retention

How It Works

1.User invitation: customers receive an invitation to connect and update their direct deposit.

2.User authentication: customers complete a quick payroll authentication process.

3.Automatic routing: Atomic establishes a direct link to the user's payroll provider.

4.Redirected payments: deposits are redirected in full or in part to your institution.

Documentation

Who Is It For

Banks
Credit unions
Fintechs
Financial institutions seeking to increase primary account status and deposit growth

Requirements

End users must have access to their payroll provider credentials for authentication.
Financial institutions must integrate Atomic's solution into their digital experience.

Detailed Sections

Capture deposits, build more loyalty

Turn direct deposits into more primary relationships, retention, and account growth.

Customer story: Atomic partners with M1 to enhance direct deposit capabilities

Direct deposits are the foundation of long-term account growth and profitability.

Users can effortlessly move paychecks to your institution—without ever leaving the app.

Get a demo

Flexible paycheck allocation

Let customers choose how much of their paycheck to deposit into their account.

Live tracking and alerts

Get instant alerts when customers complete a switch or update their deposit allocations.

Boost user engagement

Switching deposits leads to the adoption of additional financial products, and grows wallet share.

Accelerate deposit funding

See faster deposit growth within accounts as a result of the frictionless switching process.

Deepen customer loyalty

Make it easy for customers to move their paycheck and keep them banking with you long term.

Direct deposit switching - How it works

Account funding becomes frictionless for employees and employers through Atomic.

User invitation: Customers receive an invitation to connect.
User authentication: They complete a quick payroll authentication.
Automatic routing: Atomic establishes a direct link to their payroll provider.
Redirected payments: Deposits are redirected in full or in part to your institution.

Why Atomic?

Atomic offers a comprehensive approach that is user-centric, secure, and simple.

TrueAuth: Patented technology eliminates friction and drop-offs.
Market-leading conversion: Trusted by 7 of the top 10 financial institutions.
Unmatched payroll coverage: Connects to 90% of U.S. payroll providers, including gig, government, and traditional employers.

Hear from a customer using Deposit

“Atomics’ technology complements our vision of automated, personalized financial management, helping our clients manage their assets and build wealth over time.” - Ryan Burke, General Manager of Invest @ M1

Get a demo

Ready to win more direct deposits? Make it easy for users to move their paychecks and keep them engaged with your institution.

Request a product demo
Receive customized pricing
Get help onboarding

Supporting Resources

📚

Product documentationDocumentation

📄

Call to Actions

https://atomic.financial/tax/

Tax Document Access

Atomic Tax Document Access is a solution that allows users to access, sync, and manage their tax documents (W-2s and 1099s) directly from their financial or banking app. It automates the retrieval of tax forms, enables real-time payroll withholding adjustments, and provides predictive insights to improve financial wellness.

Added 12/5/2025

Product Overview

Atomic's Tax Document Access enables users to instantly retrieve W-2 and 1099 tax forms, adjust payroll withholdings, and streamline tax filing directly from their banking or financial app. The solution provides secure, real-time payroll integration and document sync, helping users optimize refunds and reduce tax season complexity.

Detailed Description

Key Features

Automated tax document sync: Direct retrieval of W-2 and 1099 forms
Real-time payroll integration: Instant tax withholding updates
Seamless document retrieval: Users access tax documents in seconds
Secure, simple authentication via Atomic’s TrueAuth technology
End-to-end tax optimization: Withholding control and refund maximization
API integration with top tax service providers and self-filing platforms

Key Benefits

Instant access to W-2 and 1099 data, reducing delays and drop-offs during tax season
Ability for users to adjust payroll tax withholdings for better cash flow
Predictive insights into estimated refunds and taxes owed, reducing tax surprises
Eliminates manual uploads and searching employer portals for tax documents
Faster tax filings and improved user experience

How It Works

1.Provider search: Users search for their employer or payroll provider

2.User authentication: Users securely authenticate their payroll account

3.Process automation: Atomic retrieves tax documents and syncs withholdings in real time

Documentation

Who Is It For

Financial institutions and fintechs seeking to offer tax document access to their users
End users who want to access tax forms, adjust withholdings, and file taxes more efficiently
Consumers who want more control and transparency over their taxes and withholdings

Detailed Sections

Deliver a smarter tax experience

Provide more control and transparency over taxes and withholdings.

Most people overpay taxes to avoid IRS penalties, leaving money tied up until a refund arrives.

Simplify tax season right from your banking app

Atomic enables your users to adjust withholdings, access forms instantly, and file taxes faster.

Key features

Automated tax document sync: Directly retrieve W-2 and 1099 forms, eliminating manual uploads.
Real-time payroll integration: Enable instant tax withholding updates for better cash flow management.
Seamless document retrieval: No more searching employer portals—users access tax documents in seconds.
Secure, simple authentication: Atomic’s TrueAuth technology ensures frictionless and secure payroll connections.

How it works

Filing taxes is complex—redirecting refunds shouldn’t be. Atomic makes it seamless.

Provider search: Users search for their employer or payroll provider.
User authentication: They securely authenticate their payroll account.
Process automation: Atomic retrieves tax documents and syncs withholdings in real time.

Why Atomic?

Atomic offers a comprehensive approach that’s user-centric, secure, and simple.

Proven payroll connectivity: Atomic powers tax solutions that help consumers unlock billions in refunds annually.
Fast, easy implementation: Seamless API integration with top tax service providers and self-filing platforms.
End-to-end tax optimization: Go beyond filings—help users control their withholdings and maximize refunds.

Get a demo

Unlock a smarter tax experience. To connect with us, please fill out the form. Expect a response within one business day.

Request a product demo
Receive customized pricing
Get help onboarding

Call to Actions