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Pinwheel Earnings Stream

Get real-time customer income data

Pinwheel doesn’t just deliver earnings data and leave it up to you to complete the rest of the puzzle. We provide insights into your customer’s income.

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Actionable insights into your customer's earnings

Sourced from payroll and time-and-attendance systems, you can use leverage these insights to reduce risk, boost engagement, power new financial products, and lower acquisition costs.

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Reduce risk

Reduce risk of enabling earned wage access, cash-flow underwriting and more with daily, automated updates to payroll and time & attendance data.

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Quick time to market

Get in-market faster with a packaged earnings stream endpoint built by a team of industry experts.

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Enable financial freedom

Enable financial freedom by acting as a financial bridge for those lacking access to credit.

Earnings Stream in action

Past

Actual historical cash flows

Customer has worked at Magna Hotel Group for 6 months and worked at Ocean Home Realty the 6 months prior.

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Earnings Stream in action

Present

Accrued earnings

Wages the customer has earned so far in the current pay period. Pinwheel calculates accrued earnings by using real-time shifts and paystubs data provided by our market-leading connectivity to 1600+ payroll platforms and 40+ time & attendance platforms.

present earnings and wages details of an employee in tabular and chart form

Earnings Stream in action

Future

Projected earnings and pay dates

Based on scheduled future shifts and current unpaid shifts we can project future earnings (gross pay minus taxes and contributions) for the current pay cycle.

future earnings data in the tabular and chart form screenshot from the pinwheel site
Future

Projected earnings and pay dates

We can project upcoming earnings based on comprehensive paystub data and historical pay.

employee projected income data in tabular form with a smiling women picture in the top left corner
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projected earnings screen
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employee projected income data in tabular form with a smiling women picture in the top left cornerselecting the payer from the application screenshot

Earnings Stream in action

Past

Actual historical cash flows

Customer has worked at Magna Hotel Group for 6 months and worked at Ocean Home Realty the 6 months prior.

historic cash flow data of an employee in art and tablet form

Earnings Stream in action

Present

Accrued earnings

Wages the customer has earned so far in the current pay period. Pinwheel calculates accrued earnings by using real-time shifts and paystubs data provided by our market-leading connectivity to 1600+ payroll platforms and 40+ time & attendance platforms.

accured earnings screen

Earnings Stream in action

Future

Projected earnings and pay dates

Based on scheduled future shifts and current unpaid shifts we can project future earnings (gross pay minus taxes and contributions) for the current pay cycle.

future earnings data in the tabular and chart form screenshot from the pinwheel site
Future

Projected earnings and pay dates

We can project upcoming earnings based on comprehensive paystub data and historical pay.

employee projected income data in tabular form with a smiling women picture in the top left corner

Helping you deliver better financial products

With an unparalleled overview of income data, Earnings Stream allows you to offer products that are tailor-made for your customers.

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Earned wage access
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Use insights into income to allow your customers access to their wages at any time.
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Cash flow underwriting
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Expand loan access to more customers based on their verified income and employment data — not only their credit score.
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Line management
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Increase a credit card limit based on historical earnings.
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Financial wellness and education
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Offer financial management tools to help customers spend and save wisely based on their earnings.
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Proactive remediation plans
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Prevent loan delinquencies by actively monitoring detailed earnings.
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Entirely new use cases
There’s no limit to how Earnings Stream can support financial service providers.

The ultimate vehicle to help you grow profitability and improve customer lifetime value

Increase engagement

The first step to becoming your customer’s primary financial provider is capturing the direct deposit.

77%

of customers said that they would use an earned wage access service if offered by their bank.

Capture deposits

Earned Wage Access can be used as a powerful incentive for consumers to switch their direct deposits.

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boost your dierct deposit with earned wage access

Looking to level-up your direct deposit strategy?

Earned wage access (EWA) has helped consumer finance companies to become the primary financial account by leveraging a powerful incentive. Download this guide to learn the basics of EWA, along with best practices for implementation, risk reduction, and data accuracy.

Download now ➔
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3X industry average coverage
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99.9% uptime
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First CRA in the industry
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The Pinwheel Advantage

Consumer Reporting Agency

Pinwheel is the first payroll data connectivity API provider that is also a CRA. Our CRA status allows financial service providers to use our data for credit decisioning while protecting them from FCRA violations.

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Unparalleled coverage

Pinwheel is the only provider that connects to both 1600 payroll platforms & the top 40+ T&A systems covering 80% of US workers.

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Real-time view

Pinwheel doesn’t just provide a snapshot but ongoing insights. With the help of recurring access, you can stay up to date with your customer’s income and employment and get notified of any changes.

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Monitoring

Stay up to date with your customers’ Earnings Stream and gain ongoing visibility into any changes with the help of our monitoring products.

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Ready to discover what Pinwheel can do for you?

Get in touch to explore Pinwheel’s solutions across direct deposit switching, income and employment verification, earned wage access, and more.
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