Verification your users can pass — without becoming a CRA
Embed income, employment, and identity verification into your product. We run the data providers, the waterfall, and the FCRA machinery. You ship a widget.
Why embedded verification breaks down
One data source isn't enough
Single-provider bank or payroll connections fail on a large share of real applicants. Coverage gaps become drop-off.
Compliance is the hard part
Permissible purpose, dispute handling, reinvestigation, adverse action. Building this in-house means becoming a CRA.
Your users don't want another login
Verification that lives outside your product is verification that doesn't get completed.
Three steps to verified users
Embed
Drop in our widget. Your branding, your flow.
We orchestrate
Multiple direct data providers, tried in sequence until the applicant is verified.
You get a decision-ready result
Structured income, employment, and identity data with the compliance trail behind it.
Pick the checks your product needs
Bank income verification
Verified deposits and recurring income streams pulled straight from the applicant's accounts.
Payroll and employer-direct verification
Employment status, tenure, and earnings confirmed at the source.
Offer letter verification
Verify future income for applicants who haven't started the job yet.
Identity verification
Government ID capture, selfie match, and name reconciliation against verified income.
Available individually or as a full waterfall.
Bring your own connection
If you already connect accounts through Plaid, MX, or another aggregator, we can categorize that data into structured income — then fall back to our provider network when your source comes up short.
Inherit our compliance infrastructure
Payscore is a consumer reporting agency.
Partners inherit our compliance infrastructure: permissible purpose collection, consumer disclosures, dispute intake and reinvestigation, and adverse action support.
SOC 2 audited.
Partner compliance model is scoped per integration — we'll walk through it on the call.
Request access
Tell us what you're building and we'll walk through integration options, coverage, and the partner compliance model.