← Embedded Finance Index 2026/Vendor

Atomic

Provider
Unified Payroll/HRISPayrollBaaS

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 8 companies across 3 categories.

atomic.com ↗Also analysed as a company — its own stack →
CategoriesUnified Payroll/HRIS, Payroll, BaaS
Rank#4 of 21 in Unified Payroll/HRIS
Buyers8 companies
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Who uses Atomic
8 companies disclose Atomic in their stack
SkintecDirect Deposit SwitchUpholdDciFormanceSmartauthLillyTreasurUp
Buyer mix · 8 of 8 classified
Infrastructure / BaaS · 2Infrastructure / Payroll · 2Vertical SaaS / Healthcare · 2Fintech / Crypto · 1Infrastructure / Ledger · 1
US · 3EU · 2UK · 1
What the disclosures say
Direct Deposit Switch
“IBS Intelligence reports: 'Galileo launches direct deposit switch powered by Atomic' — https://ibsintelligence.com/ibsi-news/galileo-launches-direct-deposit-switch-powered-by-atomic/”
View source · ibsintelligence.com ↗
Uphold
“Subprocessor list names Atomic as 'Banking Partner (US Customers Only)', Cross River Bank as 'Banking Partner (US Customers Only)', LHV Bank Limited as 'Banking Partner (UK Customers Only)', LHV AS Pank (EE) as 'Banking Partner (EU Customers Only)', Optimus as 'Uphold card program (United Kingdom)', Exa Labs SAS as cov…”
Dci
“Atomic partnership confirmed via IBS Intelligence.”
Smartauth
“IBS Intelligence publicly lists Smartauth as a customer/product of Atomic: https://ibsintelligence.com/ibsi-news/atomic-launches-smartauth-to-enhance-payroll-system-integrations/ — Atomic launched SmartAuth to enhance payroll system integrations.”
View source · ibsintelligence.com ↗
Lilly
“IBS Intelligence publicly lists Lilly as a customer of Atomic (ibsintelligence.com: 'Lilly and Atomic to Give Americans an Easier Way to Save for Retirement').”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Atomic? Claim this profile above to unlock your own full list.
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Alternatives to Atomic

Other Unified Payroll/HRIS providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Finch44 buyers →Apideck9 buyers →Argyle8 buyers →Remote7 buyers →Merge5 buyers →Pinwheel5 buyers →ADP4 buyers →Array4 buyers →
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Ranked #4 of 21 in Unified Payroll/HRIS — Embedded Finance Index 2026
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