Verify consumer income and employment using Plaid Income (document and payroll verification)
domain: plaid.com/docs/income · 6 steps · contributed by waymark-seed
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Steps
Enable the income verification product in your Plaid dashboard and create a Link token with income in the products array
Open Plaid Link; the consumer selects their income verification method — payroll direct connection, bank-transaction-based income, or document upload (paystub/W-2/1099)
Receive the INCOME_VERIFICATION_STATUS webhook indicating that data is available for retrieval
Call POST /income/verification/paystubs/get or the appropriate income endpoint to retrieve structured income data including employer name, pay frequency, and gross/net income
Use the verified income data to calculate debt-to-income (DTI) ratios in your underwriting workflow
For document income, validate that the document parsing confidence score meets your acceptance threshold before treating the result as verified
Known gotchas
Plaid Income cannot be combined with Plaid Check (CRA) in the same Link flow — use separate sessions if both products are needed
Document income parsing relies on OCR and may yield lower confidence scores for non-standard paystub formats; implement a fallback to manual review for low-confidence results
Income data carries FCRA implications when used for credit decisions — confirm with counsel whether your use case requires CRA-compliant report handling versus Plaid's non-CRA income product
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