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Pinwheel Verify

Tap into the power of verified income and employment data

Access consumer-permissioned income and employment data to help you manage lending risk, improve underwriting models, increase repayment rates, and more.

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Income and employment data with endless potential

Pinwheel Verify provides you with ongoing access to income and employment data directly from payroll platforms.

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Reduce fraud

Access data that supports verification of income and employment processes for all U.S. workers in order to reduce fraud and speed up application decisions.

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Superior coverage

Pinwheel’s payroll platform coverage is the highest in the industry, maximizing user conversion at the top of the funnel.

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Robust experience

Deliver a frictionless user experience for any user by supplementing payroll data with document uploads.

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Real-time alerts

Get real-time alerts when a customer’s income or employment status changes.

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First CRA

Because Pinwheel is a Consumer Reporting Agency (CRA), you can use the customer’s data for FCRA-permissible purposes such as credit decisioning.

Pinwheel provides data that includes:

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Identity

Provides data such as full name, date of birth, email, address, and the last 4 digits of the SSN to enable critical fraud prevention processes like KYC and identify-verified direct deposit switching.

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Pinwheel provides data that includes:

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Employment

Provides data such as employer's name, employment status, title, and start date to streamline traditionally manual processes like employment verification and background checks for job applicants.

Employment Details

Pinwheel provides data that includes:

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Income

Provides data such as annual salary or hourly wage to enable a holistic understanding of a consumer’s financial situation and more accessible and innovative lending products.

employee pay roll detailsin a table and a profile picture of an employee

Pinwheel provides data that includes:

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Paystubs

Provides real-time visibility into pay data with recent and historical paystubs, gross pay, net pay, deductions, and taxes.

real ptime pay data of the employee

Pinwheel provides data that includes:

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Shifts

Provides real-time visibility into ongoing and completed work performed, shift dates, timestamps, type of work, and associated earnings.

employee shiftwise earnings details table

Pinwheel provides data that includes:

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Identity

Provides data such as full name, date of birth, email, address, and the last 4 digits of the SSN to enable critical fraud prevention processes like KYC and identify-verified direct deposit switching.

employee identity details with an employee picture

Pinwheel provides data that includes:

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Employment

Provides data such as employer's name, employment status, title, and start date to streamline traditionally manual processes like employment verification and background checks for job applicants.

employement details table with a profile picture of an employee

Pinwheel provides data that includes:

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Income

Provides data such as annual salary or hourly wage to enable a holistic understanding of a consumer’s financial situation and more accessible and innovative lending products.

salary statistics table with employee salary details

Pinwheel provides data that includes:

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Paystubs

Provides real-time visibility into pay data with recent and historical paystubs, gross pay, net pay, deductions, and taxes.

real ptime pay data of the employee

Pinwheel provides data that includes:

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Shifts

Provides real-time visibility into ongoing and completed work performed, shift dates, timestamps, type of work, and associated earnings.

employee shiftwise earnings details table
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Employment Detailslogin screen images with blue background
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real ptime pay data of the employeeselecting the payer from the application screenshot
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Access verified income and employment data in seconds

Replace paperwork and manual processes by implementing Pinwheel's interface options to directly access payroll services through your app's UX.
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Many interfaces, one Pinwheel, fully customizable.
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No -code
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Embed
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API
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Unlock new business opportunities with Pinwheel Verify

From banks and fintechs to lenders and property managers, verified income and employment data creates opportunities in numerous verticals.

75% of the average approval probability
Lenders
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Expand access to credit products and increase your user base with an additional verified source of data for underwriting models.
Learn more ➔
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Banks and fintechs
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Improve onboarding experiences and data flow for important processes like credit card applications with automated income and employment data.
Learn more ➔
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Property managers
Reduce fraud and ditch the paperwork in the tenant screening process with verified payroll data.
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3X industry average coverage
99.9% uptime
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First CRA in the industry
stephen corroll

Stephen Carroll

Co-Founder and CEO, Findigs
“Pinwheel has been transformative for our business. Their team and products are the best in the industry. Thanks to their rich and accurate income and employment dataset, we have become the one-stop shop in renting across several hundred thousand U.S. homes in all 50 states.”
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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’s coverage of payroll and income platforms is unmatched. We connect to 1,600 payroll platforms and the top 40+ time & attendance systems, covering 80% of U.S. workers.

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Monitoring

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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Paycheck linked lending

Use Pinwheel Verify and Deposit Switch to improve loan repayment rates and reach new consumer segments by setting up recurring payments directly linked to the customer’s paycheck.

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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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