Provider directory · Deposit and account switching
Pinwheel
Pinwheel provides consumer-permissioned payroll connectivity APIs for deposit switching, bill switching, income and employment verification, and payroll tax form retrieval.
Pinwheel's own documentation covers income and employment verification, pay statements, tax forms, direct deposit switching, 401(k) and retirement, earned wage access. 1 of 10 scored cells are unverified.
Consumer-permissioned · field-level docs publicly readable · last verified 2026-09-26 · Pinwheel Docs — Getting Started
| Field | Value | Conf | Note — and what a correct answer needed |
|---|---|---|---|
| Income and employment verification | Yes — Verify (employment, income) | D | /v1/accounts/{account_id}/employment and /income return employer_name, title, status, start_date, end_date, compensation_amount, compensation_unit and pay_frequency; Verify also produces VOE/VOIE reports. Source |
| Pay statements | Yes — parsed + document | D | /v1/accounts/{account_id}/paystubs returns gross and net pay, taxes and a deductions array (amount, category, name, type), plus a document object with download_url. Source |
| Tax forms | Yes — W-2, 1099-K/MISC/NEC | D | 'Supported form formats include PDF and JSON, and available types include 1040 (from tax platforms), W-2, 1099-K, 1099-MISC, and 1099-NEC.' Source |
| Direct deposit switching | Yes — full or partial switch | D | Full Switch replaces all allocations; Partial Switch supports fixed amount, percentage or remainder allocation. A pre-filled direct deposit form is the fallback when automation is not possible. Source |
| Deduction and benefit write | Unverified | U | Paycheck-linked lending is marketed ('Underwrite and repay loans directly from the source of income'), but no public endpoint writing a payroll deduction was found. A correct answer needed a documented deduction-write API. |
| 401(k) and retirement | Read — paystub deduction category | D | Paystub deductions carry a category; the reference example shows {"category":"retirement","name":"401k","type":"pre_tax"}. W-2 examples include box 12 codes and the retirement plan box. No deferral write. Source |
| Earned wage access | Yes — marketed EWA solution | D | Provides EWA providers 'employment status, current income, accrued earnings to date, and direct deposit allocation', plus pay frequency, next pay date and change alerts; a Shifts endpoint is documented. Source |
| Data freshness | Daily refresh + on demand | D | 'For platforms and employers where we are able to maintain a persistent connection, data is automatically refreshed daily', with webhooks for changes; On Demand Updates re-authenticate returning users without re-entering credentials. Source |
| Permission and auth model | Consumer login via Link | D | Server authenticates with x-api-secret and creates a Link token (POST /v1/link_tokens); the end user connects their payroll account in Pinwheel Link. PreMatch is marketed as a '100% credential-less solution'. Source |
| Coverage claim (as stated) | 100% of US payroll scenarios | D | Homepage: 'Covering 100% of U.S. payroll scenarios' and 'Integrated with 1,800+ payroll platforms, 40+ T&A systems'. Source |