The all-in-one
verification platform

Verify identity, employment, income, credentials, and more — all from a single API.

Identity
Employment
Income
Paystub
{  "data": {
    "account_id": "eb240ec6-a227-47ca-b7c7-fbbdfe7170a0",
    "address": {
      "city": "Washington",
      "country": "US",
      "line1": "1234 Home Road",
      "line2": null,      "postal_code": "20017",
      "raw": "1234 Home Road, Washington, DC, 20017, USA",
      "state": "DC"
    },
    "created_at": "2021-01-06T15:59:13.530178+00:00",
    "date_of_birth": "1992-05-04",
    "emails": [      "c.robertson@email.com"    ],
    "full_name": "Chris Robertson",
    "id": "ffec8d06-5d03-42b9-9f75-6c66cb6efed5",
    "last_four_ssn": "1234",
    "phone_numbers": [
      {
        "type": "mobile",
        "value": "+14155552671"      },
      {        "type": "home",
        "value": "+14155551234"      }    ],
    "updated_at": "2021-01-12T00:00:00.000000+00:00"  }}
{  "data": {
    "account_id": "eb240ec6-a227-47ca-b7c7-fbbdfe7170a0",    "address": {
      "city": "Washington",
      "country": "US",
      "line1": "1234 Home Road",
      "line2": null,      "postal_code": "20017",
      "raw": "1234 Home Road, Washington, DC, 20017, USA",
      "state": "DC"
    },
    "created_at": "2021-01-06T15:59:13.530178+00:00",
    "date_of_birth": "1992-05-04",
    "emails": [      "c.robertson@email.com"    ],
    "full_name": "Chris Robertson",
    "id": "ffec8d06-5d03-42b9-9f75-6c66cb6efed5",
    "last_four_ssn": "1234",
    "phone_numbers": [
      {
        "type": "mobile",
        "value": "+14155552671"      },
      {        "type": "home",
        "value": "+14155551234"      }    ],
    "updated_at": "2021-01-12T00:00:00.000000+00:00"  }}{  "data": {
    "account_id": "eb240ec6-a227-47ca-b7c7-fbbdfe7170a0",    "address": {
      "city": "Washington",
      "country": "US",
      "line1": "1234 Home Road",
      "line2": null,      "postal_code": "20017",
      "raw": "1234 Home Road, Washington, DC, 20017, USA",
      "state": "DC"
    },
    "created_at": "2021-01-06T15:59:13.530178+00:00",
    "date_of_birth": "1992-05-04",
    "emails": [      "c.robertson@email.com"    ],
    "full_name": "Chris Robertson",
    "id": "ffec8d06-5d03-42b9-9f75-6c66cb6efed5",
    "last_four_ssn": "1234",
    "phone_numbers": [
      {
        "type": "mobile",
        "value": "+14155552671"      },
      {        "type": "home",
        "value": "+14155551234"      }    ],
    "updated_at": "2021-01-12T00:00:00.000000+00:00"  }}
{
  "data": {
    "account_id": "eb240ec6-a227-47ca-b7c7-fbbdfe7170a0",
    "created_at": "2021-01-06T15:59:13.530178+00:00",
    "employer_address": {
      "city": "Washington",
      "country": "US",
      "line1": "1234 Main St",
      "line2": "Suite 3",
      "postal_code": "20036",
      "raw": "1234 Main St, Suite 3, Washington, DC, 20036, USA",
      "state": "DC"
    },
    "employer_name": "Acme Corporation",
    "employer_phone_number": {
      "type": "mobile",
      "value": "+14155552671"
    },
    "id": "9d3309c3-b1d5-47dd-a175-20acf291f419",
    "start_date": "2020-06-01",
    "status": "employed full-time",
    "termination_date": null,
    "title": "Engineer",
    "updated_at": "2021-01-12T00:00:00.000000+00:00"
  }
}
{
  "data": {
    "account_id": "eb240ec6-a227-47ca-b7c7-fbbdfe7170a0",
    "created_at": "2021-01-06T15:59:13.530178+00:00",
    "employer_address": {
      "city": "Washington",
      "country": "US",
      "line1": "1234 Main St",
      "line2": "Suite 3",
      "postal_code": "20036",
      "raw": "1234 Main St, Suite 3, Washington, DC, 20036, USA",
      "state": "DC"
    },
    "employer_name": "Acme Corporation",
    "employer_phone_number": {
      "type": "mobile",
      "value": "+14155552671"
    },
    "id": "9d3309c3-b1d5-47dd-a175-20acf291f419",
    "start_date": "2020-06-01",
    "status": "employed full-time",
    "termination_date": null,
    "title": "Engineer",
    "updated_at": "2021-01-12T00:00:00.000000+00:00"
  }
}
{
  "data": {
    "account_id": "eb240ec6-a227-47ca-b7c7-fbbdfe7170a0",
    "created_at": "2021-01-06T15:59:13.530178+00:00",
    "employer_address": {
      "city": "Washington",
      "country": "US",
      "line1": "1234 Main St",
      "line2": "Suite 3",
      "postal_code": "20036",
      "raw": "1234 Main St, Suite 3, Washington, DC, 20036, USA",
      "state": "DC"
    },
    "employer_name": "Acme Corporation",
    "employer_phone_number": {
      "type": "mobile",
      "value": "+14155552671"
    },
    "id": "9d3309c3-b1d5-47dd-a175-20acf291f419",
    "start_date": "2020-06-01",
    "status": "employed full-time",
    "termination_date": null,
    "title": "Engineer",
    "updated_at": "2021-01-12T00:00:00.000000+00:00"
  }
}
{  "data": {
   "account_id": "eb240ec6-a227-47ca-b7c7-fbbdfe7170a0",
   "compensation_amount": "122500",
   "hourly wage": "45_hr",
   "created_at": "2021-01-06T15:59:13.530178+00:00",
   "currency": "USD",
   "id": "6309e185-9c87-4384-aaae-767c7875775e",
   "pay_frequency": "bi_weekly",
   "updated_at": "2021-01-12T00:00:00.000000+00:00"  }}
{  "data": {
   "account_id": "eb240ec6-a227-47ca-b7c7-fbbdfe7170a0",
   "compensation_amount": "122500",
   "hourly wage": "45_hr",
   "created_at": "2021-01-06T15:59:13.530178+00:00",
   "currency": "USD",
   "id": "6309e185-9c87-4384-aaae-767c7875775e",
   "pay_frequency": "bi_weekly",
   "updated_at": "2021-01-12T00:00:00.000000+00:00"  }}
{  "data": {
   "account_id": "eb240ec6-a227-47ca-b7c7-fbbdfe7170a0",
   "compensation_amount": "122500",
   "hourly wage": "45_hr",
   "created_at": "2021-01-06T15:59:13.530178+00:00",
   "currency": "USD",
   "id": "6309e185-9c87-4384-aaae-767c7875775e",
   "pay_frequency": "bi_weekly",
   "updated_at": "2021-01-12T00:00:00.000000+00:00"  }}
{  "data": {
   "account_id": "eb240ec6-a227-47ca-b7c7-fbbdfe7170a0",
   "compensation_amount": "122500",
   "hourly wage": "45_hr",
   "created_at": "2021-01-06T15:59:13.530178+00:00",
   "currency": "USD",
   "id": "6309e185-9c87-4384-aaae-767c7875775e",
   "pay_frequency": "bi_weekly",
   "updated_at": "2021-01-12T00:00:00.000000+00:00"  }}

{  "data": {
   "account_id": "eb240ec6-a227-47ca-b7c7-fbbdfe7170a0",
   "compensation_amount": "122500",
   "hourly wage": "45_hr",
   "created_at": "2021-01-06T15:59:13.530178+00:00",
   "currency": "USD",
   "id": "6309e185-9c87-4384-aaae-767c7875775e",
   "pay_frequency": "bi_weekly",
   "updated_at": "2021-01-12T00:00:00.000000+00:00"  }}
{  "data": {
   "account_id": "eb240ec6-a227-47ca-b7c7-fbbdfe7170a0",
   "compensation_amount": "122500",
   "hourly wage": "45_hr",
   "created_at": "2021-01-06T15:59:13.530178+00:00",
   "currency": "USD",
   "id": "6309e185-9c87-4384-aaae-767c7875775e",
   "pay_frequency": "bi_weekly",
   "updated_at": "2021-01-12T00:00:00.000000+00:00"  }}{  "data": {
   "account_id": "eb240ec6-a227-47ca-b7c7-fbbdfe7170a0",
   "compensation_amount": "122500",
   "hourly wage": "45_hr",
   "created_at": "2021-01-06T15:59:13.530178+00:00",
   "currency": "USD",
   "id": "6309e185-9c87-4384-aaae-767c7875775e",
   "pay_frequency": "bi_weekly",
   "updated_at": "2021-01-12T00:00:00.000000+00:00"  }}
{  "data": [    {
     "account_id": "5c1952df-3a84-4f28-8318-58291452061f",
     "check_amount": 328609,
     "created_at": "2021-01-10T19:54:45.745660+00:00",
     "currency": "USD",
     "deductions": [        {
         "amount": 7012,
         "category": "retirement",
         "name": "401k",
         "type": "pre_tax"        },
       {          "amount": 57692,
         "category": "commuter",
         "name": "MTA",
         "type": "post_tax"        }      ],
     "document": {        "download_url": "https://s3.us-east-1.amazonaws.com/paystub_document",
       "download_url_expiration": "2022-04-04T18:13:55.123450+00:00",
       "id": "aea8cc55-93fa-452d-8eac-b83c80b19a41"      },
     "earnings": [        {          "amount": 380720,
         "category": "salary",          "hours": 80,
         "name": "Regular",
         "rate": 4759        },
       {          "amount": 100000,
         "category": "bonus",
         "hours": null,
         "name": "Bonus",
         "rate": null        }      ],
     "employer_name": "Acme Corporation",
     "external_paystub_id": "821b7d1b-c115-470c-9411-be132f51c19d",
     "gross_pay_amount": 480720,
     "gross_pay_ytd": 6971151,
     "id": "497f6eca-6276-4993-bfeb-53cbbbba6f08",
     "net_pay_amount": 321609,
     "net_pay_ytd": 4357992,
     "pay_date": "2020-12-31",
     "pay_period_end": "2020-12-24",
     "pay_period_start": "2020-12-10",
     "taxes": [        {          "amount": 65158,
         "category": "federal_income",
         "name": "Federal Income"        },
       {          "amount": 29249,
         "category": "state_income",
         "name": "State Income"        }      ],
     "time_off": [        {          "available_hours": 41.5,          "category": "pto",
         "earned_hours": 0,
         "name": "Vacation",
         "used_hours": 38.5        },
       {          "available_hours": 41.5,
         "category": "sick",
         "earned_hours": 0,
         "name": "Sick Leave",
         "used_hours": 38.5        }      ],
     "total_deductions": 64704,
     "total_reimbursements": 7000,
     "total_taxes": 94407    }  ],
 "meta": {    "count": 1,
   "next_cursor": "eyJlbXBsb3llciI6ICJVbml0ZWQgUGFyY2VsIFNlcnZpY2UifQ==",    "refreshed_at": "2021-01-10T19:54:45.745660+00:00"  }}
Trusted By:
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Credit karma
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Credit karma

Identity safeguards for the digital world

Digital Banking

Underwrite confidently with real-time employment and income data — straight from the source.

Real Estate & Property Management


Verify income history and ability to pay instantly during the application process. Capture rental payments directly from renters' payroll.

HR & Hiring Platforms

Verify current employment status and employment history instantly during the job application process.

Professional Networks

Verify accuracy of employment-related member profiles and capture membership dues directly from members' paycheck.

35
%
improvement in average cycle time
27
%
decrease in cases of income fraud
6
%
average reduction in credit losses

Powerful lifecycle controls

Increase portfolio profitability with personalized offers and experiences.

Reduce fraud and manual errors

Get source of truth income & employment data directly from payroll providers

Use document scanning to detect common fraudulent patterns

Enrich controls for critical processes like KYC and identify-verified direct deposit switching

Direct deposit allocation monitoring

Pinwheel is a Consumer Reporting Agency (CRA)

You can use the customer’s verified income data for FCRA-permissible purposes

Power customer growth with pre-qualified credit offers

Get real-time alerts on full income picture, including non-traditional income sources

Get repayment via Direct Deposit

Pinwheel makes direct deposit set-up easy within your approval flow

Make repayment by direct deposit a condition of your loan

Gate specific products or preferred terms behind a direct deposit set-up requirement

Reduce fraud and manual errors

Get source of truth income & employment data directly from payroll providers

Use document scanning to detect common fraudulent patterns

Enrich controls for critical processes like KYC and identify-verified direct deposit switching

Expand decision criteria

Pinwheel is a Consumer Reporting Agency (CRA)

You can use the customer’s verified income data for FCRA-permissible purposes

Power customer growth with pre-qualified credit offers

Get real-time alerts on full income picture, including non-traditional income sources

Get repayment via Direct Deposit

Pinwheel makes direct deposit set-up easy within your approval flow

Make repayment by direct deposit a condition of your loan

Gate specific products or preferred terms behind a direct deposit set-up requirement

Integrate verification your way

Contact us to learn how the Verify Platform’s API can simplify verification for your business—from identity and income to credentials and compliance.

Request a demo
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