Pinwheel
Pinwheel is the leading payroll connectivity platform providing a REST API for direct deposit switching, income verification, employment history, and tax form retrieval from 1,800+ payroll providers and 40+ time-and-attendance systems. Financial institutions and fintechs use Pinwheel to activate customer accounts, verify income and employment, automate bill switching, and build primary banking relationships through a single, SOC 2 Type 2 and ISO 27001 certified integration.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles Pinwheel the way a machine reads it — 173 machine-readable artifacts across 14 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 57.3/100 (developing), with a separate agent-readiness read of 48/100 (agent ready). 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 14
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 Accounts API
The Accounts API from Pinwheel — 4 operation(s) for accounts.
Pinwheel API Keys API
The API Keys API from Pinwheel — 3 operation(s) for api keys.
Pinwheel Company Connect API
The Company Connect API from Pinwheel — 7 operation(s) for company connect.
Pinwheel Direct Deposit Allocations API
The Direct Deposit Allocations API from Pinwheel — 1 operation(s) for direct deposit allocations.
Pinwheel Earnings Stream API
The Earnings Stream API from Pinwheel — 1 operation(s) for earnings stream.
Pinwheel Employers and Platforms API
The Employers and Platforms API from Pinwheel — 6 operation(s) for employers and platforms.
Pinwheel End Users API
The End Users API from Pinwheel — 4 operation(s) for end users.
Pinwheel Income and Employment API
The Income and Employment API from Pinwheel — 6 operation(s) for income and employment.
Pinwheel Jobs API
The Jobs API from Pinwheel — 1 operation(s) for jobs.
Pinwheel Link Tokens API
The Link Tokens API from Pinwheel — 1 operation(s) for link tokens.
Pinwheel Sandbox API
The Sandbox API from Pinwheel — 1 operation(s) for sandbox.
Pinwheel Tax Forms API
The Tax Forms API from Pinwheel — 2 operation(s) for tax forms.
Pinwheel Verification Reports API
The Verification Reports API from Pinwheel — 2 operation(s) for verification reports.
Pinwheel Webhooks API
The Webhooks API from Pinwheel — 2 operation(s) for webhooks.
Scroll within the panel for all 14 ·
Pricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.
Published pricing tiers and plan structures.
Rate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Pinwheel Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Pinwheel Finops
FINOPSSemantic Vocabularies 1
JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.
JSON-LD contexts and semantic vocabularies used across these APIs.
Pinwheel Context
JSON-LDSpectral Rules 1
Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.
Pinwheel API Rules
SPECTRALJSON Schema 99
Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.
Standalone JSON Schema definitions for this provider's data models.
Address
JSON SCHEMAAllocation
JSON SCHEMAAllocation
JSON SCHEMAAnnualIncomeResponseObj
JSON SCHEMAApplicantNameAndAddress
JSON SCHEMABankAccount
JSON SCHEMABankAccountDetails
JSON SCHEMABankAccountTransaction
JSON SCHEMABill Navigator Status Update Request
JSON SCHEMAobject
JSON SCHEMACompanyConnect
JSON SCHEMACompanyConnectionBase
JSON SCHEMACompanyConnectionPostBody
JSON SCHEMALinkTokenPostBody
JSON SCHEMACompanyConnect Link Token Response Data
JSON SCHEMACompanyEmploymentObjResponse
JSON SCHEMACompanyIdentityObjResponse
JSON SCHEMACompanyIncomeObjResponse
JSON SCHEMACompanyPaystubObjResponse
JSON SCHEMAobject
JSON SCHEMACreateAdminTokenResponse
JSON SCHEMAobject
JSON SCHEMAobject
JSON SCHEMACreateAPIKeyResponse
JSON SCHEMAobject
JSON SCHEMADirect Deposit Allocations
JSON SCHEMADeduction
JSON SCHEMADirectDepositAllocationDetail
JSON SCHEMADocument
JSON SCHEMAEarning
JSON SCHEMAEarningsStreamPayoutsResponse
JSON SCHEMAEarningsYtds
JSON SCHEMAEmployeeName
JSON SCHEMAEmployeeNameAndAddress
JSON SCHEMAEmployeeResponseObj
JSON SCHEMAEmployerNameAndAddress
JSON SCHEMAEmployer
JSON SCHEMAEmployment
JSON SCHEMAEmploymentResponseObj
JSON SCHEMAEndUser
JSON SCHEMADocument for end user
JSON SCHEMAFieldWarning
JSON SCHEMAFreshnessPaginationListMeta
JSON SCHEMAIdentity
JSON SCHEMAIncomeAndEmploymentResponseObj
JSON SCHEMAIncome
JSON SCHEMAIncomeResponseObj
JSON SCHEMAJob
JSON SCHEMAJob
JSON SCHEMALinkTokenPostBody
JSON SCHEMALinkToken
JSON SCHEMAobject
JSON SCHEMAobject
JSON SCHEMAListMeta
JSON SCHEMAMerchantPayment
JSON SCHEMANetPayObjResponse
JSON SCHEMAPaginationMeta
JSON SCHEMAParamsPayload_v2023_11_22
JSON SCHEMAobject
JSON SCHEMAPayrollAccountDataRefreshed
JSON SCHEMAPayrollAccountDataUpdated
JSON SCHEMAAccount
JSON SCHEMAobject
JSON SCHEMAPaystub
JSON SCHEMAPaystubWithEarningsResponseObj
JSON SCHEMAPhone
JSON SCHEMAPlatform
JSON SCHEMARefreshableMeta
JSON SCHEMARefreshablePaginationListMeta
JSON SCHEMARevokeAPIKeyResponse
JSON SCHEMAobject
JSON SCHEMASearchResult
JSON SCHEMASharedFraud
JSON SCHEMAEarning
JSON SCHEMAShift
JSON SCHEMAShiftTimestamp
JSON SCHEMATargetAccount
JSON SCHEMATaxForm
JSON SCHEMATaxForm
JSON SCHEMATaxFormW2
JSON SCHEMATax
JSON SCHEMATimeOff
JSON SCHEMAUploadedBankStatement
JSON SCHEMAUploadedDeduction
JSON SCHEMAUploadedEarning
JSON SCHEMAUploadedPaystub
JSON SCHEMAUploadedSSIAwardLetter
JSON SCHEMAUploadedTax
JSON SCHEMAUploadedTimeOff
JSON SCHEMAUploadedW2Informed
JSON SCHEMAW2Box12
JSON SCHEMAW2Box13
JSON SCHEMAW2Box15To20
JSON SCHEMAW2BoxC
JSON SCHEMAWebhookPostBody
JSON SCHEMAWebhook
JSON SCHEMAWebhookPatchBody
JSON SCHEMAScroll within the panel for all 99 ·
Examples 51
Real request and response payloads are what turn a spec from abstract into obvious — and they're one of the twelve things an agent needs to call an API correctly on the first try.
Example request and response payloads for these APIs.
Get_Direct_Deposit_Allocations_V1_Accounts__Account_Id__Direct_Deposit_Allocations_Get Response 200
EXAMPLEGet_Earnings_Stream_Payouts_V1_End_Users__End_User_Id__Earnings_Stream_Payouts_Get Response 200
EXAMPLEScroll within the panel for all 51 ·
Security Posture 3
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.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
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.
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Build 1
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
Commercial 3
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 1
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/pinwheel · machine-readable index on apis.io