n8n-nodes-unit

[Velocity BPA Licensing Notice]

This n8n node is licensed under the Business Source License 1.1 (BSL 1.1).

Use of this node by for-profit organizations in production environments requires a commercial license from Velocity BPA.

For licensing information, visit https://velobpa.com/licensing or contact licensing@velobpa.com.

A comprehensive n8n community node for the Unit embedded banking platform, providing complete access to Unit's Banking-as-a-Service (BaaS) API. Build powerful financial automation workflows with customer onboarding, account management, payments (ACH/Wire/Check), card issuing, and real-time webhook triggers.

Features

• 26 Resource Categories - Complete coverage of Unit's banking API
• 200+ Operations - Full CRUD operations for all resources
• Real-time Webhooks - Trigger node for 50+ event types
• Sandbox Support - Test with Unit's sandbox environment
• Type-Safe - Full TypeScript implementation
• JSON:API Compliant - Proper Unit API integration

Installation

Community Nodes (Recommended)

1. Open n8n
2. Go to Settings → Community Nodes
3. Click Install
4. Enter n8n-nodes-unit
5. Click Install

Manual Installation

# Navigate to your n8n installation
cd ~/.n8n

# Install the node
npm install n8n-nodes-unit

# Restart n8n

Development Installation

# Clone the repository
git clone https://github.com/Velocity-BPA/n8n-nodes-unit.git
cd n8n-nodes-unit

# Install dependencies
npm install

# Build the project
npm run build

# Link to n8n
npm link
cd ~/.n8n
npm link n8n-nodes-unit

# Restart n8n

Credentials Setup

Unit API Credentials

Field	Description
Environment	Select Production, Sandbox, or Custom
API Token	Your Unit API Bearer token
Org ID	Your Unit organization ID
User Token	Optional: For customer-scoped operations
Webhook Secret	Optional: For webhook signature verification

Unit Customer Token Credentials

Field	Description
Environment	Select Production, Sandbox, or Custom
Customer Token	Customer-scoped API token
Customer ID	The customer ID for this token
Token Expiration	When the token expires

Resources & Operations

Customer Resource

• Create Individual Customer
• Create Business Customer
• Get / Update / List Customers
• Archive / Restore Customer
• Manage Authorized Users
• Get Customer Limits & Tags
• Create Customer Tokens

Account Resource

• Create Deposit / Credit Accounts
• Get / List / Update Accounts
• Close / Freeze / Unfreeze / Reopen
• Get Balance, Limits, Transactions
• Get Statements & End of Day Balances

Payment Resource

• Create ACH / Book / Wire / Check Payments
• Create Batch Payments
• Get / List / Cancel Payments
• Track Payment Status

Card Resource

• Create Individual / Business Debit Cards
• Create Virtual Cards
• Activate / Freeze / Unfreeze / Close
• Get Card Details & Transactions

Counterparty Resource

• Create ACH / Plaid Counterparties
• Get / List / Delete Counterparties

Statement Resource

• Get / List Statements
• Download Statement PDFs

Webhook Resource

• Create / Update / Delete Webhooks
• Enable / Disable Webhooks

Event Resource

• Get / List Events
• Filter by Type / Customer / Account

Recurring Payment Resource

• Create / Get / List Recurring Payments
• Enable / Disable Recurring Payments

Received Payment Resource

• Get / List Received Payments
• Advance Received Payments

Reward Resource

• Create / Get / List Rewards

Fee Resource

• Create / Reverse Fees

Check Deposit Resource

• Create / Get / List Check Deposits

Document Resource

• Get / List Documents

Sandbox Resource

• Simulate ACH Payments
• Simulate Card Transactions

Utility Resource

• Validate Routing Numbers
• Get API Status

Trigger Node

The Unit Trigger node receives webhook events in real-time:

Application Events

• application.created, application.approved, application.denied

Customer Events

• customer.created, customer.updated, customer.archived

Account Events

• account.created, account.closed, account.frozen

Transaction Events

• transaction.created, transaction.updated

Payment Events

• payment.created, payment.sent, payment.returned

Card Events

• card.created, card.activated, card.frozen
• authorization.created, authorization.declined

And many more...

Usage Examples

Create a Customer and Open an Account

// Node 1: Unit - Create Individual Customer
{
  "resource": "customer",
  "operation": "createIndividual",
  "firstName": "John",
  "lastName": "Doe",
  "email": "john.doe@example.com",
  "phone": "5551234567",
  "dateOfBirth": "1990-01-15",
  "ssn": "123456789",
  "address": {
    "street": "123 Main St",
    "city": "San Francisco",
    "state": "CA",
    "postalCode": "94105"
  }
}

// Node 2: Unit - Create Deposit Account
{
  "resource": "account",
  "operation": "createDeposit",
  "customerId": "{{ $json.data.id }}",
  "depositProduct": "checking"
}

Send an ACH Payment

{
  "resource": "payment",
  "operation": "createAch",
  "accountId": "12345",
  "counterpartyId": "67890",
  "amount": 500.00,
  "direction": "Credit",
  "description": "Payment for services"
}

Issue a Debit Card

{
  "resource": "card",
  "operation": "createIndividualDebit",
  "accountId": "12345",
  "shippingAddress": {
    "street": "123 Main St",
    "city": "San Francisco",
    "state": "CA",
    "postalCode": "94105"
  }
}

Create a Counterparty for External Transfers

{
  "resource": "counterparty",
  "operation": "create",
  "customerId": "12345",
  "name": "Acme Corp",
  "routingNumber": "021000021",
  "accountNumber": "1234567890",
  "accountType": "Checking",
  "type": "Business"
}

Unit Banking Concepts

Concept	Description
Customer	Individual or business account holder
Application	Customer onboarding/KYC request
Deposit Account	Checking or savings account
Credit Account	Line of credit
Counterparty	External payment recipient
Book Payment	Internal transfer between Unit accounts
ACH	Automated Clearing House (1-3 day settlement)
Wire	Same-day bank transfer
Authorization	Card transaction hold
Received Payment	Incoming ACH or wire

Environments

Environment	API URL	Use Case
Production	https://api.unit.co	Live banking operations
Sandbox	https://api.s.unit.sh	Testing and development

Error Handling

The node provides detailed error messages from the Unit API:

// Example error response
{
  "error": "Unit API Error (invalid_routing_number): The routing number is invalid"
}

Enable Continue On Fail in node settings to handle errors gracefully.

Security Best Practices

1. Never log API tokens - Use n8n's credential system
2. Use sandbox for testing - Don't use production for development
3. Verify webhook signatures - Enable signature verification
4. Handle PII carefully - SSN and account numbers are sensitive
5. Use customer tokens - For customer-facing applications
6. Implement rate limiting - Respect Unit's API limits

Development

# Install dependencies
npm install

# Build
npm run build

# Watch mode
npm run dev

# Run tests
npm test

# Run tests with coverage
npm run test:coverage

# Lint
npm run lint

# Fix lint issues
npm run lint:fix

Author

Velocity BPA

• Website: velobpa.com
• GitHub: Velocity-BPA

Licensing

This n8n community node is licensed under the Business Source License 1.1.

Free Use

Permitted for personal, educational, research, and internal business use.

Commercial Use

Use of this node within any SaaS, PaaS, hosted platform, managed service, or paid automation offering requires a commercial license.

For licensing inquiries: licensing@velobpa.com

See LICENSE, COMMERCIAL_LICENSE.md, and LICENSING_FAQ.md for details.

Contributing

1. Fork the repository
2. Create a feature branch (git checkout -b feature/amazing-feature)
3. Commit your changes (git commit -m 'Add amazing feature')
4. Push to the branch (git push origin feature/amazing-feature)
5. Open a Pull Request

Support

• Documentation: Unit API Docs
• Issues: GitHub Issues
• Community: n8n Community Forum

Acknowledgments

• Unit - For providing an excellent Banking-as-a-Service platform
• n8n - For the powerful workflow automation platform
• The open-source community for inspiration and support