Open Payroll Providers Directory

What is Income Verification?

Income verification APIs provide secure, real-time access to employment and income data directly from payroll systems. These tools enable lenders, property managers, and financial institutions to verify an applicant's employment status, salary, and income history without manual document collection or employer phone calls.

Verification Methods

Common Use Cases

• Mortgage lending — Automated VOIE for faster loan processing with GSE-compliant reports
• Consumer lending — Real-time income verification for personal loans and credit decisions
• Tenant screening — Verify applicant income for property management and rentals
• Auto financing — Employment and income verification for vehicle loans
• Background checks — Employment history verification for hiring decisions
• Gig economy — Verify income for 1099 workers, freelancers, and contractors

Key Data Points Available

Income verification APIs typically provide access to:

• Employment status — Current employer, job title, start date, employment type
• Income data — Gross pay, net pay, pay frequency, YTD earnings
• Deductions — Taxes, benefits, retirement contributions
• Pay history — Historical paystubs and payment records
• Tax documents — W-2s, 1099s, and tax transcripts

Choosing a Provider

When selecting an income verification provider, consider:

• Coverage — Number of payroll providers supported (top providers cover 80-90% of US workers)
• Verification methods — Direct payroll, bank analysis, document fallback options
• Compliance — GSE authorization, FCRA compliance, CRA certification
• Data freshness — Real-time vs. batch updates, webhook support
• Gig worker support — Coverage for 1099 workers and non-traditional employment