Provider directory · Employer-permissioned unified APIs
Finch
Finch is a unified API for payroll, HR and benefits systems, connected by the employer's administrator.
Finch's own documentation covers income and employment verification, pay statements, deduction and benefit write, 401(k) and retirement, earned wage access. 0 of 8 scored cells are unverified.
Employer-permissioned · field-level docs publicly readable · last verified 2026-09-26 · Finch Developer Docs
| Field | Value | Conf | Note — and what a correct answer needed |
|---|---|---|---|
| Income and employment verification | Data — employment + income | D | The Employment endpoint ('Read individual employment and income data') returns title, start_date, income and income_history, in the unit the provider reports. No income-verification use case is marketed. Source |
| Pay statements | Yes — Pay Statement | D | Returns earnings (type, amount, hours), taxes, deductions and contributions per individual per payment. Source |
| Tax forms | No — W-4 only (beta) | — | The Documents API (beta) returns parsed W-4 data and 'is designed to expand to additional document types such as W-2 and 941 forms' — W-2 is not available today. Source |
| Direct deposit switching | Not offered | — | No endpoint writes employee bank or direct-deposit details; the only account numbers in the spec are company-level accounts on GET /employer/company. |
| Deduction and benefit write | Yes — Deductions API | D | Create company-wide deductions and enroll or unenroll individuals across 401(k), HSA, FSA and Section 125. Write coverage is listed as 5 automated and 20+ assisted providers; assisted writes land within 2 business days. Source |
| 401(k) and retirement | Yes — 401(k) + Recordkeeper | D | The Deductions API manages 401(k) contributions; Finch Recordkeeper (private beta) syncs contribution and election data to plan recordkeepers. Source |
| Earned wage access | Yes — marketed | D | The Financial Wellness page lists 'Earned Wage Access: Use payroll data to calculate available wages and deliver responsible cash advances to employees.' Source |
| Data freshness | 24h automated / 7d assisted | D | Automated providers sync every 24 hours, assisted every 7 days; the initial sync pulls two years plus year-to-date of pay data. Webhooks cover account updates, job completions and data changes. Source |
| Permission and auth model | Finch Connect; employer admin | D | Employers connect through Finch Connect by OAuth, credentials, API token or assisted setup; Connect 'will only succeed if the user is an employer admin'. Source |
| Coverage claim (as stated) | 250+ employment systems | D | Homepage: 'one integration to 250+ employment systems'. The docs list read coverage as '30+ Providers' automated and '175+ Providers' assisted. Source |
Finch is also assessed in depth at the deduction boundary — tax treatment at write, amount vs percent, retro adjustment — in the unified API deduction record.