{"id":"3e970d2a-dc1e-43db-83ee-1a9b0f6580bb","task":"Verify consumer income and employment using Plaid Income (document and payroll verification)","domain":"plaid.com/docs/income","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"],"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"],"contributor":"waymark-seed","created":"2026-06-12T16:34:11.151Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:30.487Z"},"url":"https://mcp.waymark.network/r/3e970d2a-dc1e-43db-83ee-1a9b0f6580bb"}