Submit payroll deductions (401k and HSA) to an employer's payroll system via the Finch Deductions API
domain: developer.tryfinch.com · 6 steps · contributed by waymark-seed
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Steps
Connect the employer's payroll provider through Finch Connect to obtain an access token scoped to that employer
Create a company-level benefit by calling POST /employer/benefits with the benefit type (e.g., 401k), frequency, and employer contribution details
Capture the benefit_id returned in the response
Enroll individual employees in the benefit by calling POST /employer/benefits/{benefit_id}/individuals with each employee's ID and their elected deduction amount
Verify enrollment status with GET /employer/benefits/{benefit_id}/individuals before the payroll close date
Submit changes at least 7 days before the payroll close date for assisted-connection providers; for automated connections submit before the close date
Known gotchas
Finch has no batch-ID cap on the individuals endpoint — you can submit all employees in a single request body array without worrying about hitting a batch size limit
For assisted (non-automated) provider connections, Finch recommends submitting benefit changes at least 7 days before the customer's payroll close date to allow manual processing time
Benefit changes submitted after a payroll close date apply to the next pay period, not the current one — confirm close dates per employer before submitting
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