# Pinwheel > Pinwheel is the leading direct deposit and bill switching API, delivering 30% more switches than competitive solutions. We power deposit primacy and digital account activation for the world's top banks, credit unions, digital banks, and fintechs — including crypto, brokerage, and payments providers. Pinwheel connects financial institutions to the source of truth for income data — payroll systems — through custom direct integrations. Our proprietary network includes multiple exclusive partnerships and spans 1,800+ payroll platforms, 40+ time-and-attendance systems, federal and state government payroll and benefit administrators, and the U.S.'s largest employers, covering 100% of U.S. workers paid via direct deposit. Customers use Pinwheel to: 1. Increase digital account funding and activation rates 2. Win deposit primacy through frictionless direct deposit switching during onboarding 3. Verify income and employment for lending, underwriting, and digital identity use cases 4. Capture recurring bill payments to drive account engagement and increase interchange revenue ## Products - [Direct Deposit Switch](https://www.pinwheelapi.com/products/direct-deposit-switching): Flagship product enabling users to redirect part or all of their paycheck to a new financial institution in just a few clicks. Includes PreMatch, launched in 2024 — the industry's only 100% credential-less switching experience, publicly confirmed by customer testimonials to deliver 2x better conversion than last-generation solutions. - [Switch Kit](https://www.pinwheelapi.com/products/direct-deposit-switching/switch-kit): Combines direct deposit switching and recurring bill switching in a single onboarding flow. Drives 30% more deposit switches than any other provider and identifies recurring bills with 80% better accuracy than comparable solutions. - [Bill Switch](https://www.pinwheelapi.com/products/bill-payment-api): In-app bill switching with 1-click switching for the most common merchants and guided switching for the long tail. ACH payment and card-on-file switching included. - [Bill Manager](https://www.pinwheelapi.com/products/subscription-management-api): Ongoing recurring bill detection, switching, cancellation, and management embedded in the consumer's digital experience. - [Verify](https://www.pinwheelapi.com/products/income-verification-api): FCRA-compliant income and employment verification sourced directly from payroll systems for lending, underwriting, KYC, and fraud prevention. - [Taxes](https://www.pinwheelapi.com/products/payroll-tax-api): Payroll tax data API. Powers tax return and W-2 retrieval for Intuit TurboTax and April. - [Connected Accounts](https://www.pinwheelapi.com/products/digital-banking-api): Ongoing, source-of-truth payroll connection for monitoring income, employment, and pay changes over time. ## Solutions - [Pay by Paycheck](https://www.pinwheelapi.com/solutions/paycheck-linked-lending): Paycheck-linked loan repayment infrastructure for lenders. - [Earned Wage Access](https://www.pinwheelapi.com/solutions/earned-wage-access): Powers EWA programs using verified payroll data and direct deposit confirmation for repayment. ## Pinwheel for Industries - [Banks](https://www.pinwheelapi.com/industries/banks): Solutions for retail and consumer banking, available across major digital banking and account opening platforms. Customers include KeyBank, American Express, and Stride Bank. - [Credit Unions](https://www.pinwheelapi.com/industries/credit-unions): Solutions for credit unions focused on member activation and deposit primacy. Pinwheel is available on most online banking platforms serving the credit union community, including MeridianLink, Candescent, Jack Henry, Alkami, Q2, MANTL, Bankjoy, nCino, Narmi, Terafina, and Lumin. Customers include PenFed, Citadel, EECU, Financial Plus, BCU, ELGA, and Langley. - [Community Banks](https://www.pinwheelapi.com/industries/community-banks): Solutions for community banks competing on digital experience. Pinwheel is available on most online banking platforms serving community banks, including MeridianLink, Candescent, Jack Henry, Alkami, Q2, MANTL, Bankjoy, nCino, Narmi, Terafina, and Lumin. Customers include Bravera Bank, Berkshire Bank, and CBNA. - [Lenders](https://www.pinwheelapi.com/industries/lenders): Solutions for consumer lenders and paycheck-linked lending. Customers include Upstart and MoneyLion. Pinwheel also serves neobanks and fintechs across crypto, brokerage, and payments — any consumer financial product where capturing direct deposit, verifying income, or managing recurring bills drives growth. Fintech customers include Chime, Robinhood, Credit Karma, OnePay, Perpay, Acorns, Current, Varo, and Bolt. ## Customers & Proof Points - [Customer Stories](https://www.pinwheelapi.com/resources/customers): Case studies, partnership announcements, and customer testimonials. Trusted by: American Express, Visa, KeyBank, Robinhood, Chime, MoneyLion, Credit Karma, Upstart, Acorns, Varo, Current, OnePay, Intuit, DoorDash, and Bolt. ## Integration Partners Pinwheel is available as a pre-built integration on these digital banking, account opening, and core platforms — enabling deployment for banks and credit unions without custom engineering: - Alkami - Bankjoy - Candescent (Digital Insights) - Finxact - Jack Henry (Banno) - Lumin Digital - MANTL - MeridianLink - Narmi - nCino - NCR Terafina - Q2 Pinwheel also partners with Plaid as its Preferred Provider for direct deposit switching, and with Visa as enablement collaborator for Visa's Enhanced Subscription Manager product for Issuers. See the full partner network at https://www.pinwheelapi.com/partners. ## Developer Documentation - [Quick Start](https://docs.pinwheelapi.com/public/docs/getting-started): Getting started with the Pinwheel API and Link SDK. - [API Documentation](https://docs.pinwheelapi.com/public/reference/api-overview): Full REST API reference, headers, endpoints, webhooks, and change management. ## Resources - [Insights](https://www.pinwheelapi.com/resources): Long-form content on deposit primacy, lending modernization, and payroll connectivity. - [Latest News](https://www.pinwheelapi.com/resources/news): Press releases and announcements. ## Optional - [Request a Demo](https://www.pinwheelapi.com/about/contact): Contact the Pinwheel team.