Sync SDK DTOs with Unit API docs (automated, 2026-05-13)

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Summary

Automated sync against https://docs.unit.co/resources covering 5 resource DTOs. Each resource is a separate commit so reviewers can split or cherry-pick.

Resources synced

1. PurchaseAuthorizationRequestDTO (unit/models/authorization_request.py)

Source: https://docs.unit.co/resources#purchase-authorization-request

Added optional fields

Field	Type	Docs note
merchant_id	Optional[str]	merchant.id sub-field — unique network merchant identifier
ecommerce	Optional[bool]	Whether the transaction was created over an electronic network
card_present	Optional[bool]	Whether the card was present at transaction time
payment_method	Optional[str]	One of Manual, Swipe, Contactless, ChipAndPin, Stored, Other
digital_wallet	Optional[str]	One of Google, Apple, Other
card_verification_data	Optional[CardVerificationData]	Re-uses existing sub-type from unit/models/__init__.py
card_network	Optional[str]	One of Visa, Interlink, Accel, Allpoint, Other
healthcare_amounts	Optional[HealthcareAmounts]	New sub-object added to unit/models/__init__.py (no codec entry); IIAS data for FSA/HRA cards
cash_withdrawal_amount	Optional[int]	Cash withdrawal amount
currency_conversion	Optional[CurrencyConversion]	When original currency for transaction is not USD
is_international	Optional[bool]	Whether the transaction is international

Manual review needed

• None.

2. DepositAccountDTO (unit/models/account.py)

Source: https://docs.unit.co/resources#depositaccount

Added optional fields

Field	Type	Docs note
updated_at	Optional[datetime]	The date the resource was updated
freeze_reason	Optional[str]	Fraud, ByBank, or free-text
fraud_reason	Optional[FraudReason]	Expanded fraud reason when frozen for fraud (re-uses existing literal)
daca_status	Optional[str]	Entered or Activated

Manual review needed

• interestTerms — docs list this without an Optional suffix, so per the no-silent-changes rule we did not add it. The docs do clarify "Only available if extraFields[account] is used", which means it is effectively optional in practice. Consider promoting it to a typed sub-object if Truss needs interest data.

3. IndividualApplicationDTO (unit/models/application.py)

Source: https://docs.unit.co/resources#individualapplication

Added optional fields

Field	Type	Docs note
updated_at	Optional[datetime]	The date the resource was updated
nationality	Optional[str]	ISO 3166-1 alpha-2; required when passport is populated, optional when SSN is populated
industry	Optional[Industry]	Sole-proprietor industry
id_theft_score	Optional[int]	Score 0-1000; >900 auto-rejected by default

Manual review needed

• passport — listed in docs without Optional but described as "Either ssn or passport will be populated", i.e. semantically optional. Currently absent from the DTO; not added because the docs row has no Optional suffix.
• archived — listed as a non-optional boolean in docs and currently absent from the DTO. Treating as a possible breaking-change candidate if Unit ever returns it as a required field.

4. BusinessApplicationDTO (unit/models/application.py)

Source: https://docs.unit.co/resources#businessapplication

Added optional fields

Field	Type	Docs note
updated_at	Optional[datetime]	The date the resource was updated
industry	Optional[Industry]	Business industry
stock_symbol	Optional[str]	Stock ticker

Manual review needed

• archived — listed as a non-optional boolean in docs and currently absent from the DTO. Treating as a possible breaking-change candidate.

5. CardTransactionDTO (unit/models/transaction.py)

Source: https://docs.unit.co/resources#transaction-card

Added optional fields

Field	Type	Docs note
gross_interchange	Optional[str]	Gross interchange share for the transaction
rich_merchant_data	Optional[RichMerchantData]	Re-uses existing sub-type
currency_conversion	Optional[CurrencyConversion]	When original currency for transaction is not USD

Manual review needed

• None.

Backward compatibility

All additions are optional kwargs with None defaults; existing callers are unaffected. python -c "from unit.models.codecs import DtoDecoder, mappings; print(len(mappings))" still resolves and reports 117 mappings.

Queued for next run

The following resources also have docs drift but didn't fit in this run's 5-resource cap. Prioritize the ones with the highest field counts in the next sync:

• WireReceivedPaymentDTO — entire DTO is missing from the SDK. The wireReceivedPayment JSON:API type isn't in unit/models/codecs.py. Needs a new DTO file plus a codec entry; out of scope for an additive-only sync.
• AccountHoldDTO — entire resource (accountHold) is absent from the SDK. Same shape concern as above.
• Account limit overrides (achLimitOverride, wireLimitOverride, checkDepositLimitOverride, checkPaymentLimitOverride, bookTransferLimitOverride) — no DTOs exist in the SDK.
• AchPaymentDTO — missing optional expectedCompletionDate, counterpartyVerificationMethod; plus sameDay and secCode listed as required in docs but absent from the DTO (manual-review candidates).
• AchReceivedPaymentDTO — missing optional originatorEntityId, receivingEntityName; plus required isAdvanceable and direction absent (manual review).
• BeneficialOwner (sub-object) — missing optional occupation, annualIncome, sourceOfIncome.
• BusinessCustomerDTO — missing optional eligibleProducts.
• AtmTransactionDTO — missing optional grossInterchange, currencyConversion.
• AccountEndOfDayDTO — missing optional overdraftLimit.
• CounterpartyDTO (ACH Counterparty) — missing tags (docs list as required object; treat as manual review).
• CheckDepositDTO — missing optional clearingDaysOverride.
• DisputeDTO — missing optional updatedAt.
• RewardDTO — missing optional rejectReason (plus required createdAt for manual review).
• IndividualDebitCardDTO, IndividualVirtualDebitCardDTO, BusinessDebitCardDTO, BusinessVirtualDebitCardDTO — each missing optional updatedAt; some also missing required bin (manual review for the latter).

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Opened by the docs-sync automation. Mirror automation will open a paired API PR against Truss-pmts/api once this PR is opened.