Pinwheel's product suite covers payroll connectivity across seven core API categories: Deposit Switch, Bill Switch, Switch Kit, Verify, Bill Manager, Connected Accounts, and Taxes. This page is the overview hub — each product links to a dedicated page with full capability details.

A payroll API connects financial institutions and fintechs to a consumer's payroll system — with their permission — to access income data or trigger actions like direct deposit switches. Pinwheel's payroll connectivity API is infrastructure-grade: it handles payroll system authentication, data normalization, and action execution so your product team doesn't have to.

Deposit Switch connects users to their payroll platform and updates their direct deposit destination in a single flow. Pinwheel offers three variants — Core (full-featured omnichannel), Prime (credential-less via device authentication), and PreMatch (100% credential-less via proprietary payroll partner network) — for institutions at every scale. Deposit Switch product page →

Verify pulls permissioned income, employment, and credential data directly from a user's payroll source of truth — removing reliance on self-reported data or document upload for underwriting, tenant screening, and financial platform workflows. Pinwheel's verification supports FCRA-compliant consumer reporting use cases. Verify product page →

Bill Switch helps users update payment methods on recurring bills — subscriptions, utilities, insurance — during onboarding without leaving your app, helping you complete the account primacy picture Bill Switch product page →

Banks and credit unions use Pinwheel for deposit growth and account activation. Fintechs and neobanks use it for onboarding and payroll-connected experiences. Lenders use Verify for income and employment underwriting. Tax preparers and PFM providers use the Taxes API for payroll tax form retrieval.

Pinwheel covers 100% of U.S. payroll scenarios — the broadest network in the industry at 1,800+ platforms and 2k+ partners. The combination of its coverage advantage with its proprietary AI-optimized conversion algorithm have made Pinwheel the industry’s leading deposit switch, delivering 30% more switches than competitors in head-to-head tests. It is the only payroll data connectivity company designated as a CRA. Pinwheel is also SOC 2 Type II, ISO 27001, and PCI DSS Level 1 certified. Pinwheel's PreMatch is the industry's only 100% credential-less deposit switching solution in market.