FINTECH
Ship financial products on your customers' real data.
Accounting, bank, payments and commerce data for lending, cards, AP and treasury products, with consent records, audit trails and write-back where it is confirmed.
THE PROBLEM
What makes Fintech integrations hard.
Fintech products are judged on the data underneath them. Underwriting, card programs, bill pay and treasury all depend on reading, and often writing, your customers' ledgers, bank accounts and processors without errors.
USE CASES
What teams in Fintech build.
EMBEDDED LENDING
Embedded Lending
Underwrite and monitor business borrowers on ledger, bank and sales data.
AP AUTOMATION
AP & Bill Pay Automation
Pay bills and record every payment in the customer's ledger, exactly once.
SUPPLIER ENABLEMENT
Supplier Enablement
Find card-ready suppliers in AP history and grow card and ACH volume.
INVOICING AUTOMATION
Invoicing Automation
Issue invoices, track status and match payouts for AR and treasury tools.
WHAT IT TAKES
Data, platforms and controls.
- Data you need
- Financial statements and trial balances, AR and AP aging, vendors, bills, invoices and payments from the ledger; balances and transactions from bank data providers; payouts, fees and disputes from processors.
- Platforms that matter
- QuickBooks Online and Desktop, Xero, NetSuite and Sage Intacct for the books; Plaid, MX, Teller and Mastercard Open Finance for bank data; Stripe, Square, PayPal and Adyen for payments; Shopify and Amazon for merchant sales.
- Controls required
- Recorded consent for every connection, scoped access, idempotent writes, an audit trail your compliance team can export, and pass-through mode for data you prefer not to store.
SYSTEMS
Systems your customers run.
Grouped by category; each group links to the platforms in our library.
Core banking and bank data providers
- Plaid
- MX
- Teller
- Mastercard Open Finance
Ledgers and ERPs
- QuickBooks Online
- Xero
- NetSuite
- Sage Intacct
Processors and billing
- Stripe
- Square
- PayPal
- Adyen
Merchant sales
- Shopify
- Amazon Seller Central
INTEGRATIONS
Platforms that matter.
Status is shown per platform: live, beta, roadmap or via the Technology Center.
TECHNOLOGY CENTER
Need engineers, not just an API?
The Unify Technology Center scopes, builds, migrates and runs integrations with your team.
Strategy Workshops
Rank the integrations that win deals and plan the next 90 days.
Implementation
We scope, build and launch your integrations, then hand them over.
Migration
Move off Codat, another unified API or in-house code without breaking connections.
Custom Connectors
Coverage for niche ERPs and regional platforms, on the Unify Graph.
Managed Integrations
We monitor, upgrade and support them under an agreed service level.
Frequently asked questions
Can we use Unify Int alongside Plaid?
Yes. Bank data providers such as Plaid supply account balances and transactions; Unify Int reads from them next to the ledger and processor, and the Bank Feeds API pushes transactions into ledgers. They work together.
How do you handle consent and revocation?
Unify Connect records who connected each system, when and with which scopes. When a customer revokes access, the connection status changes and further calls stop.
What security documentation can we review?
Security practices and current compliance status are on our Trust page, where you can also request security documents for your vendor review.
We are moving off another finance data provider. What does that involve?
An assessment, object mapping, a parallel run and a cutover by platform or customer cohort. Whether customers must reconnect depends on each platform; the Migration service tells you which.