Pinwheel Earnings Stream

Get real-time customer earnings 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.

Actionable insights into your customer's earnings, straight from payroll and time & attendance systems

With these insights, you can reduce risk, boost engagement, power new financial products, and lower acquisition costs.

Earnings Stream in action

A single API that estimates earned wages, displays historical cash flows, and projects future income and pay dates

Taylor D.

Works at Amazon

Net pay rate:

$12.75/hour

Net accrued earnings this cycle:

$671

Net projected earnings this cycle:

$322

Earnings paid out on:

April 15
Earnings Stream

Accrued earnings

Based on real-time shifts and paystubs data.

Earnings Stream

Projected earnings and pay dates

Based on comprehensive income history including paystub data, historical pay and shift work.

Earnings Stream

High quality predictive data

Backtested against your customer’s full income history and the data in Pinwheel's platform.

Earnings Stream

Quick time to market

Easily implemented drop-in UX module that can replace 6+ months of work.

Past

Actual historical cash flows

Taylor has worked at Amazon for 6 months and worked at Target the 6 months prior.

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 20+ time & attendance platforms.

$671

total for this week

In the last 4 days, Taylor has worked 6 shifts. Based on his accrued earnings, he is owed $671.

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.

$322

projected to make

We can project Taylor’s future earnings to be $322 by April 15th.

Future

Projected earnings and pay dates

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

Apr 15

paycheck date

Taylor is projected to receive another paycheck in 4 days on 4/15.

$671 + $322

Taylor is projected to receive a total of $993 in his April 15 paycheck

Helping you power better financial products

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

Earned wage access

Confidently pay customers early, with accrued and projected earnings data

Cash flow underwriting

Provide loans to more customers based on their detailed earnings, not only their FICO or credit score

Line management

Increase a credit card limit based on historical earnings

Financial education

Help a customer spend and plan wisely based on their accrued and projected earnings

Proactive remediation plans

Prevent loan delinquency by actively monitoring accrued earnings

Entirely new use cases

There’s no limit to how Earnings Stream can support financial service providers

Earned wage access

Confidently pay customers early, with accrued and projected earnings data

Cash flow underwriting

Provide loans to more customers based on their detailed earnings, not only their FICO or credit score

Line management

Increase a credit card limit based on historical earnings

Financial education

Help a customer spend and plan wisely based on their accrued and projected earnings

Proactive remediation plans

Prevent loan delinquency by actively monitoring accrued earnings

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 and lower acquisition costs

77%

of customers1

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

Reduce risk with portfolio management

20–40%

credit loss reduction2

by using credit decision models that can more precisely predict a customer's default risk.

The Pinwheel advantage

CRA

Pinwheel is the industry’s first and only CRA which means income data provided can be confidently used for credit and risk underwriting decisioning purposes.

Coverage

Pinwheel is the only provider that connects to both 1600 payroll platforms & the top 20 T&A systems covering 80% of US workers.

Real-time view

Pinwheel offers a real-time view into actual earnings based on if the user clocked in and out of their shift. We also provide access to past and future earnings as well.

Monitoring

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

Ready to get started?

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

Request demo