Provider directory · Consumer-permissioned payroll APIs
Truv
Truv is a consumer-permissioned income and employment verification platform that also offers direct deposit switching and paycheck-linked lending; its site states Truv is joining Checkr.
Truv's own documentation covers income and employment verification, pay statements, tax forms, direct deposit switching, deduction and benefit write, 401(k) and retirement. 1 of 10 scored cells are unverified.
Consumer-permissioned · field-level docs publicly readable · last verified 2026-09-26 · Truv Docs
| Field | Value | Conf | Note — and what a correct answer needed |
|---|---|---|---|
| Income and employment verification | Yes — Income & Employment | D | The Employment object includes job_title, start_date, original_hire_date, end_date, income, income_unit, pay_rate and pay_frequency. Source |
| Pay statements | Yes — parsed + file | D | Pay Statements include gross and net pay with YTD, hours, earnings and deductions by category, and a link to the pay stub file. Source |
| Tax forms | Yes — W-2, 1099s, 1040 | D | document_type is 'One of: W2, F1099, F1040', with subtypes including F1099_MISC, F1099_NEC, F1099_R and F_SSA1099, plus a file link and extracted fields. Source |
| Direct deposit switching | Yes — entire / percent / amount | D | Deposit Switch 'enables you to redirect customer paychecks to your bank account by updating their payroll direct deposit settings', with allocation types entire, percent and amount. Source |
| Deduction and benefit write | Yes — Paycheck Linked Lending | D | 'Collect loan repayments automatically by deducting payments directly from the borrower's paycheck', as amount or percent of net pay. Benefit-election writes are not covered. Source |
| 401(k) and retirement | Read — 'retirement' category | D | Pay statement deduction category is 'One of: memo, medicare, retirement, socialsec, federal, state, benefit, garnishment, local, other'. No deferral write. Source |
| Earned wage access | Unverified | U | Pay statements carry hours and employment carries pay_frequency, but no EWA use case is documented and the former EWA product URL redirects to a public-sector wage verification page. |
| Data freshness | On demand; 3 per 24h | D | Data Refresh orders re-pull from active connections without re-authentication, limited to '3 refreshes per access_token per 24 hours'. Source |
| Permission and auth model | Consumer login via Bridge | D | Requests use X-Access-Client-Id and X-Access-Secret; a per-link access_token 'grants ongoing access to that user's data'. Users authenticate in Truv Bridge. Source |
| Coverage claim (as stated) | 96% of US labor force | D | 'Truv connects to 93+ payroll providers covering 220M+ Americans, 96% of the US labor force'. The DDS and PLL pages instead state '85%+ of US employees'. Source |