Skip to main content
Cover image showing income being distributed to make a loan payment.
We’ll be updating our Sample App Github repositories for API v2 and Link 5 in 2023 Q3.
The Unit Pay Connector sample app (demo) 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 providers 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 payroll 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 payroll accounts—and a banking application. See the example below to understand how your users can connect their employer or payroll accounts with Link so you can reconcile payments. Image showing the payroll connection process a user goes through in Link.

​
Access payroll data and make a deposit switch

Once a user has connected their employer or payroll account via Link, you can retrieve their employment data via the Argyle API for loan decisions. You can initialize Argyle Link for deposit switching 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. Image showing Unit's dashboard.

​
Deposit switch confirmation

Following loan approval and deposit account creation, the Unit Pay Connector generates a new DDS configuration that includes the bank account settings. This configuration is automatically assigned to the user’s employment or payroll provider account: Image showing the bank account details that go into a target deposit destination configuration. The user selects Confirm to accept the deposit account: Argyle's deposit switch process in Link. Loan installments are now automatically deducted from the user’s payroll. Once the loan is repaid, the user can remove the bank account by returning to Argyle Link and revoking access to the account or updating their deposit allocations.

​
Next steps

Visit the Unit Connector Github repository to clone and test the application in your local development environment, or learn more by visiting our Paycheck-linked Lending Solutions Guide.
For more details, reach out to your respective Customer Success Manager, Account Executive or the Support team.