Pinwheel
Pinwheel is an employment and income data platform that connects banks, fintechs, and lenders directly to payroll systems. The API covers direct deposit switching (PreMatch, NativeLink), income and employment verification, paystub and shift data, tax form retrieval (W-2, 1099), bill switch, and bill manager. Pinwheel maintains direct integrations with 1,600+ payroll platforms covering an estimated 80% of U.S. workers and is the first Consumer Reporting Agency (CRA) in the payroll-connectivity space.
Limited machine-readable signal and partial portal coverage — documentation a human can read, but little a machine or agent can consume without scraping.
API Evangelist profiles Pinwheel the way a machine reads it — 47 machine-readable artifacts across 12 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Pinwheel scores 34.0/100 (thin), with a separate agent-readiness read of 15/100 (agent aware). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Pinwheel
Each block below is one kind of artifact we hold for Pinwheel. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 12
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Pinwheel Deposit Switch API
The Pinwheel Deposit Switch API automates moving a customer's direct deposit allocations from one financial institution to another by connecting directly to 17,000+ payroll prov...
Pinwheel Verify API
Pinwheel Verify is a payroll-connected income and employment verification API that returns identity, employment status and dates, current and historical paystubs, shifts (for ho...
Pinwheel Taxes API
The Pinwheel Taxes API retrieves W-2, 1099-K, 1099-MISC, and 1099-NEC documents directly from a worker's payroll provider, returning them as both PDF and structured JSON. Tax-pr...
Pinwheel Bill Switch API
The Pinwheel Bill Switch API updates a user's stored payment method across merchant and biller accounts (streaming, telecom, utilities, insurance, subscriptions) so that a finan...
Pinwheel Bill Manager API
Pinwheel Bill Manager detects, organizes, and acts on a customer's recurring bills and subscriptions. It auto-identifies recurring charges with 80% greater accuracy than categor...
Pinwheel Switch Kit API
Switch Kit bundles Pinwheel's Deposit Switch and Bill Switch products into a single onboarding experience banks and fintechs can drop into account-opening and reactivation flows...
Pinwheel Connected Accounts API
The Pinwheel Connected Accounts API gives applications ongoing, consented access to a user's payroll and external-account data after the initial link. Builders use it to keep em...
Pinwheel Link Token API
The Pinwheel Link Token API mints short-lived link_tokens that initialize the Pinwheel Link drop-in UI (Web, iOS, Android, React Native, Flutter, Capacitor). The token scopes th...
Pinwheel Accounts API
The Pinwheel Accounts API exposes the linked payroll accounts a user has connected through Pinwheel Link, surfacing account-level metadata such as platform, status, employment r...
Pinwheel Jobs API
The Pinwheel Jobs API is the asynchronous execution surface for every Pinwheel job — direct_deposit_switch, direct_deposit_allocations, paystubs, employment, identity, income, s...
Pinwheel Platforms API
The Pinwheel Platforms API exposes the catalog of supported payroll providers and employer-side platforms (ADP, Workday, Paychex, Paycom, Gusto, Rippling, plus 1,600+ others). C...
Pinwheel Webhooks API
The Pinwheel Webhooks API is how the platform delivers asynchronous events — job completions, link events, account status changes, deposit switch outcomes, tax-form availability...
Scroll within the panel for all 12 ·
GraphQL 1
Where a provider ships GraphQL, the schema is the contract. We profile it alongside the REST surface so the whole interface is legible in one place.
GraphQL schemas published by this provider.
Pinwheel API - GraphQL Schema
This directory contains a conceptual GraphQL schema for the [Pinwheel](https://pinwheelapi.com/) payroll connectivity and income verification platform. Pinwheel provides direct ...
GRAPHQLFeatures 13
The notable capabilities this provider advertises, captured as structured features so they can be searched and compared instead of read one landing page at a time.
Notable capabilities this provider offers.
Direct Deposit Switch
Move a customer's direct deposit allocations to a new institution via PreMatch (credential-less I-9 match), NativeLink (device-saved credentials), or Forms; routed by the Prime ...
Income & Employment Verification (Verify)
Real-time payroll-connected verification returning identity, employment status, paystubs, shifts, and tax forms from the source payroll system.
Tax Form Retrieval
Pull W-2, 1099-K, 1099-MISC, and 1099-NEC documents directly from payroll providers as PDF and structured JSON.
Bill Switch
Update stored payment methods across merchant and biller accounts so issuers can capture recurring card-on-file spend.
Bill Manager
Auto-detect, organize, and act on recurring bills and subscriptions with 80% greater accuracy than category-based detection.
Switch Kit
Bundled Deposit Switch + Bill Switch onboarding flow productized for primary-banking activation.
Connected Accounts
Ongoing consented access to payroll and external account data for re-underwriting, servicing, and credential refresh.
Pinwheel Link
Drop-in UI for Web, iOS, Android, React Native, Flutter, and Capacitor that handles consent, MFA, and credential capture across 1,600+ payroll platforms.
Consumer Reporting Agency (CRA) Status
First payroll-connectivity provider designated as a CRA, allowing Verify outputs to be used directly in FCRA-governed credit decisions.
Coverage
1,600+ supported payroll platforms reaching an estimated 80% of U.S. workers.
Webhooks with Signing & Optional Payload Encryption
Asynchronous event delivery for job completions, link events, account status changes, and banking events with HMAC signatures and optional encryption.
Sandbox Environment
Full-feature sandbox with synthetic users, employers, jobs, and webhook event simulation.
Versioned API
Dated API versions selectable via header (v2022-03-02 through v2025-07-08+).
Scroll within the panel for all 13 ·
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Use Cases 7
What developers actually build with this provider — captured so the catalogue answers 'what is this for', not just 'what does this expose'.
What developers build with this provider.
Banking Primacy
National banks, credit unions, and challenger banks use Deposit Switch + Bill Switch to make a newly-opened account the customer's primary financial relationship.
Mortgage & Auto Lending
Lenders use Verify as a real-time alternative to Work Number for payroll-direct income and employment verification.
Personal Loan / BNPL Underwriting
Consumer lenders use Verify and Connected Accounts to refresh income at underwriting and during re-pricing windows.
Tax Preparation
Tax-prep software uses the Taxes API to skip manual W-2 / 1099 uploads and pull forms directly from payroll.
Gig Worker Quarterly Tax Estimation
Gig platforms use prior-year 1099 retrieval to power quarterly self-employment tax estimates for their workers.
Property Management & Rental Screening
Property managers use Verify to confirm tenant employment and income at application time.
Subscription & Recurring Bill Management
Personal finance apps and challenger banks use Bill Manager to give users a single view of recurring obligations with one-click switch and cancel.
Scroll within the panel for all 7 ·
Integrations 7
Pre-built integrations with other platforms tell you where this provider already fits in a stack.
Pre-built integrations with other platforms and tools.
ADP
Direct payroll-provider integration for verification, paystubs, and deposit allocation.
Workday
Direct payroll-provider integration covering enterprise employers.
Paychex
SMB-focused payroll integration.
Paycom
Mid-market payroll integration.
Gusto
SMB cloud payroll integration covering startups and small employers.
Rippling
HRIS + payroll integration.
1,600+ Additional Payroll Platforms
Long-tail coverage including local processors, government payroll, and industry-specific systems.
Scroll within the panel for all 7 ·
Solutions 5
Packaged solutions the provider offers on top of the raw API surface.
Packaged solutions this provider offers.
For Banks & Credit Unions
Primary banking activation via Switch Kit; deposit and recurring-payment capture to drive balance, engagement, and lifetime value.
For Lenders
FCRA-grade payroll-connected income, employment, and tax-form verification for mortgage, auto, personal loan, and BNPL underwriting.
For Fintechs & Challenger Banks
Drop-in Pinwheel Link plus Connected Accounts to power onboarding, direct deposit capture, and ongoing data refresh.
For Tax & Payroll Software
Direct W-2/1099 retrieval and tax-platform webhooks for tax-prep flows and gig-worker tax tools.
For Property Managers & Gig Platforms
Real-time employment and income verification at application time, plus shift data for hourly workers.
Resources
Every other property we hold for Pinwheel — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 5
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Design & Contract 1
Pagination, idempotency, versioning, errors, and events
Build 6
SDKs, sample code, and the tooling you integrate with
Access & Security 3
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Company 2
The organization behind the API
← All providers · Data indexed from github.com/api-evangelist/pinwheel-api · machine-readable index on apis.io