Integrate Pinwheel Verify to obtain FCRA-compliant income and employment verification from payroll platforms

Steps

1. Obtain Pinwheel API credentials and upgrade the Pinwheel Link SDK to version 2.0 or later, and set your API version to v2025-07-08 or later to access Verification Reports
2. Generate a short-lived link_token from your backend by calling the Pinwheel link-token creation endpoint with your API_KEY and the desired products (e.g., income, employment)
3. Initialize the Pinwheel Link modal in your frontend using the link_token; the user authenticates with their payroll provider
4. Receive the platform.added webhook once the user's payroll account is connected, then call GET /accounts/{account_id}/employments and GET /accounts/{account_id}/earnings to fetch raw data
5. For a structured Verification Report, call the Verification Reports endpoint to receive a pre-built report containing identity, income, and employment in a single response
6. Handle webhooks for data refresh events to provide ongoing monitoring or re-verification at loan servicing intervals