Unit Pay Connector

Implement a solution for payment reconciliation with Argyle.

Unit Pay Connector cover imageUnit Pay Connector cover image

The Unit Pay Connector sample app creates virtual accounts for payment reconciliation purposes. If you are utilizing Argyle for paycheck-linked lending, you can use this connector to reconcile payments from multiple payroll platforms and attribute them to the correct borrowers.

Unit

This sample app utilizes Unit, a banking-as-a-service platform that lets you embed powerful financial features into your product. You will need to sign up for a Unit account to implement this sample app. Your Argyle Customer Success Manager can guide you through the Unit onboarding process so you can get up and running quickly.

Connect work accounts

Unit Pay Connector fits seamlessly into a workflow for account connection between Argyle Link—a front-end UI element that allows users to grant your application access to their work accounts—and a banking application. See the example below to understand how your users can connect their work or payroll accounts with Link so you can reconcile payments.

Account connection workflowAccount connection workflow

Access employment data & change pay distribution

Once a user has connected their work or payroll account via Argyle Link, you can retrieve their employment data via the Argyle API for loan decisioning. Argyle provides a custom endpoint that allows you to initiate a pay distribution change after you have approved a loan.

Once you have approved the loan, a new deposit account with account and routing numbers is generated via the Unit API. You can now see this account in the Unit dashboard.

Unit accounts screenUnit accounts screen

Pay distribution change confirmation

Following loan approval and deposit account creation, the Unit Pay Connector generates a new pay distribution configuration that includes the deposit account. This configuration is automatically assigned to the user’s employment or payroll provider account:

Unit account flowUnit account flow

The user selects Confirm to accept the new pay distribution:

Pay distribution confirmation screenPay distribution confirmation screen

Loan installments are now automatically deducted from the user’s payroll. Once the loan is repaid, you can remove the pay allocation via the Argyle API.

Next steps

Visit the Unit Connector repository to clone and test the application in your local development environment.

Learn more about paycheck-linked lending in our solution guide.

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For more details, reach out to your respective Customer Success Manager, Account Executive or the Support team.


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