The all-in-one verification platform

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

Identity safeguards for the digital world

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

FAQs: Pinwheel Verify

What is Pinwheel Verify?
Pinwheel Verify is an all-in-one identity, income and employment verification platform that gives financial institutions, lenders, HR platforms, property managers, and professional networks instant, API-based access to source of truth data — pulled directly from payroll providers.

What data does Pinwheel Verify return, and what are the use cases for each?
Pinwheel Verify returns four primary data types:

1. Identity Data: Full name, date of birth, last four SSN digits, home address, email addresses, and phone numbers.
2. Employment Data: Employer name, employer address, employment start date, employment status, job title, and termination date.
3. Income Data: Compensation amount, pay frequency, and currency.
4. Paystub Data: Gross pay, net pay, year-to-date earnings, earnings breakdown by category, and deductions.

How does Pinwheel Verify differ from traditional income and employment verification methods?

• Document-based verification falls short due to ease of falsification.
• Traditional database services have long cycle times and outdated data.
• Phone-based verification is slow and limited to business hours.

What performance improvements do lenders see when using Pinwheel Verify?

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

What industries and verticals use Pinwheel Verify?

• Digital Banking and Lending
• Real Estate and Property Management
• HR and Hiring Platforms
• Tax and Financial Services

Is Pinwheel Verify FCRA-compliant? What does that mean for lenders?

• Yes, it can be used for regulated credit purposes.

How does Pinwheel Verify support fraud prevention?

• Provides source-of-truth data from payroll providers.
• Offers document scanning with fraud pattern detection.

How does Pinwheel Verify integrate with a lender's existing workflow?

• Delivered via REST API for easy integration with existing systems.