Provider directory · Consumer-permissioned payroll APIs
Plaid
Plaid provides financial data connectivity APIs; its Income products verify income and employment from payroll accounts, uploaded documents or bank data.
Plaid's own documentation covers income and employment verification, pay statements, tax forms, 401(k) and retirement, earned wage access. 0 of 8 scored cells are unverified.
Consumer-permissioned · field-level docs publicly readable · last verified 2026-09-26 · Plaid Docs — Income
| Field | Value | Conf | Note — and what a correct answer needed |
|---|---|---|---|
| Income and employment verification | Yes — Payroll Income | D | /credit/payroll_income/get returns income; /credit/employment/get (beta) returns status, start_date, end_date, employer.name and title. Plaid states most new customers should use Consumer Report Income instead. Source |
| Pay statements | Yes — parsed + PDFs | D | /credit/payroll_income/get returns a paystubs array with earnings, deductions, employer and employee objects; original PDFs via document_metadata.download_url. Source |
| Tax forms | Yes — W-2 + 1099 | D | /credit/payroll_income/get returns w2s (including box_12 and retirement_plan) and form1099s arrays; Document Income also accepts uploaded forms. Source |
| Direct deposit switching | Discontinued | — | Plaid's changelog (December 2024): 'Removed deposit_switch from the products array, as part of Deposit Switch deprecation'. The former Deposit Switch pages redirect elsewhere. Source |
| Deduction and benefit write | Not offered | — | Income products are read-only; no payroll write appears in the Income docs. |
| 401(k) and retirement | Indirect — W-2 box 12 | D | W-2 objects include box_12 (code, amount) and retirement_plan; paystub deductions are free-text lines with no dedicated 401(k) field. No deferral write. Source |
| Earned wage access | Marketed — bank data | D | The EWA use-case page markets viewing 'income, pay cycles, and balances instantly' from bank-account data (Transactions, Balance, Auth), not payroll hours or earnings to date. Source |
| Data freshness | On-demand refresh | D | /credit/payroll_income/refresh triggers a USER_INCOME_VERIFICATION webhook; access must be requested from an account manager. Source |
| Permission and auth model | Consumer login via Link | D | Server creates a link_token via /link/token/create and the user connects their payroll account in Plaid Link. Source |
| Coverage claim (as stated) | ~80% of US workforce | D | 'Payroll Income supports approximately 80% of the US workforce, including gig income workers.' Source |