Documentation Index
Fetch the complete documentation index at: https://docs.argyle.com/llms.txt
Use this file to discover all available pages before exploring further.
Introduction
This guide covers the verifications workflow:- Create a user.
- Create a verification for your desired report type.
- Create and launch a frontend session (payroll and banking only).
- Listen for lifecycle updates via
verifications.updated. - Retrieve the completed report PDF and JSON.
Supported report types
- Payroll: Generate
voieorvoereports. - Banking: Connect financial institutions to generate
voa,voai,voi, orvoe-transactionsreports. - Documents (Doc VOI): Upload paystubs and W-2s to generate a
doc-voi-mortgagereport.
Example reports
Verification of Income and Employment (Payroll VOIE) — PDF and JSON
Verification of Income and Employment (Payroll VOIE) — PDF and JSON
PDFReport PDF
{
"report_id": "6da4c9a3-2e63-95e5-8be3-f9a52ddc489a",
"type": "voie",
"user_id": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
"external_id": "March Connection",
"created_at": "2023-03-26T09:20:06.081Z",
"last_synced_at": "2023-03-24T12:41:25.069Z",
"metadata": {},
"employments": [
{
"employment": "0186a27d-e5c6-735a-a359-6315b34d544c",
"account": "018728a3-afee-5288-8e8a-c68ceb591359",
"last_synced_at": "2023-03-24T12:41:25.069Z",
"source": "Worknight",
"first_name": "Bob",
"last_name": "Jones",
"full_name": "Bob Jones",
"birth_date": "1980-10-10",
"ssn": "522-09-1191",
"phone_number": "+18009000010",
"email": "bob@email.com",
"employee_address": {
"line1": "342 Fence Rd",
"line2": null,
"city": "New York",
"state": "NY",
"postal_code": "10014",
"country": "US"
},
"employer": "Whole Goods",
"employer_address": {
"line1": "852 North W St",
"line2": null,
"city": "New York",
"state": "NY",
"postal_code": "10014",
"country": "US"
},
"status": "active",
"employment_type": "full-time",
"job_title": "Store Manager",
"base_pay": {
"amount": "75372.62",
"currency": "USD",
"period": "annual"
},
"pay_cycle": "monthly",
"start_date": "2020-08-28",
"original_hire_date": "2020-08-28",
"end_date": null,
"length_of_work": {
"years": "2",
"months": "6"
},
"last_pay_period_end_date": "2023-03-22",
"last_paystub_date": "2023-03-24",
"income": [
{
"period": "2023",
"currency": "USD",
"gross_pay": {
"total": "25124.20",
"base": "25124.20",
"overtime": "0.00",
"commission": "0.00",
"bonus": "0.00",
"other": "0.00"
},
"reimbursements": "8.13",
"deductions": "816.53",
"taxes": "5715.75",
"fees": "0.00",
"net_pay": "18600.05"
},
{
"period": "2022",
"currency": "USD",
"gross_pay": {
"total": "82866.32",
"base": "81653.65",
"overtime": "0.00",
"commission": "881.09",
"bonus": "331.58",
"other": "0.00"
},
"reimbursements": "4.35",
"deductions": "3266.12",
"taxes": "14948.85",
"fees": "0.00",
"net_pay": "64655.70"
}
],
"monthly_income": {
"argyle": {
"total": "7102.33",
"base": "6902.55",
"overtime": "165.94",
"bonus": "5.22",
"commission": "28.62",
"other": "0.00"
}
},
"callouts": []
},
{
"employment": "0185a31d-e2c8-991c-a251-5977e36a418c",
"account": "018728a2-2fe0-cdb4-9486-70b2fe9834f9",
"last_synced_at": "2023-03-01T05:10:59.558Z",
"source": "Bullseye",
"first_name": "Bob",
"last_name": "Jones",
"full_name": "Bob Jones",
"birth_date": "1980-10-10",
"ssn": "522-09-1191",
"phone_number": "+18009000010",
"email": "bob@email.com",
"employee_address": {
"line1": "342 Fence Rd",
"line2": null,
"city": "New York",
"state": "NY",
"postal_code": "10014",
"country": "US"
},
"employer": "Bullseye",
"employer_address": {
"line1": "119 Green Ridge",
"line2": null,
"city": "New York",
"state": "NY",
"postal_code": "10014",
"country": "US"
},
"status": "active",
"employment_type": "part-time",
"job_title": "Clerk",
"base_pay": {
"amount": "61030.57",
"currency": "USD",
"period": "annual"
},
"pay_cycle": "monthly",
"start_date": "2020-06-29",
"original_hire_date": "2020-06-29",
"end_date": null,
"length_of_work": {
"years": "2",
"months": "9"
},
"last_pay_period_end_date": "2023-02-23",
"last_paystub_date": "2023-02-24",
"income": [
{
"period": "2023",
"currency": "USD",
"gross_pay": {
"total": "20848.92",
"base": "20343.52",
"overtime": "0.00",
"commission": "0.00",
"bonus": "505.40",
"other": "0.00"
},
"reimbursements": "0.00",
"deductions": "915.48",
"taxes": "4475.58",
"fees": "0.00",
"net_pay": "15457.86"
},
{
"period": "2022",
"currency": "USD",
"gross_pay": {
"total": "68070.08",
"base": "66116.44",
"overtime": "0.00",
"commission": "777.54",
"bonus": "1176.10",
"other": "0.00"
},
"reimbursements": "18.40",
"deductions": "2034.40",
"taxes": "13274.18",
"fees": "0.00",
"net_pay": "52779.90"
}
],
"monthly_income": {
"argyle": {
"total": "5683.51",
"base": "5512.92",
"overtime": "0.00",
"bonus": "119.51",
"commission": "51.08",
"other": "0.00"
}
},
"callouts": []
}
],
"income_totals": [
{
"period": "2023",
"currency": "USD",
"gross_pay": {
"total": "45973.12",
"base": "45467.72",
"overtime": "0.00",
"commission": "0.00",
"bonus": "505.40",
"other": "0.00"
},
"reimbursements": "8.13",
"deductions": "1732.01",
"taxes": "10191.33",
"fees": "0.00",
"net_pay": "34057.91"
},
{
"period": "2022",
"currency": "USD",
"gross_pay": {
"total": "150936.4",
"base": "147770.09",
"overtime": "0.00",
"commission": "1658.63",
"bonus": "1507.68",
"other": "0.00"
},
"reimbursements": "22.75",
"deductions": "5300.52",
"taxes": "28223.03",
"fees": "0.00",
"net_pay": "117435.60"
}
]
}
Verification of Employment (Payroll VOE) — PDF and JSON
Verification of Employment (Payroll VOE) — PDF and JSON
PDFReport PDF
{
"report_id": "6c3fa756-2e76-43e1-55f6-e29fc6ae535d",
"type": "voe",
"user_id": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
"external_id": "March Connection",
"created_at": "2023-03-26T09:19:08.916Z",
"last_synced_at": "2023-03-24T12:41:21.576Z",
"metadata": {},
"employments": [
{
"employment": "0186a27d-e5c6-735a-a359-6315b34d544c",
"account": "0187c66e-e7e5-811c-b006-2232f00f426a",
"last_synced_at": "2023-03-24T12:41:21.576Z",
"source": "Worknight",
"first_name": "Bob",
"last_name": "Jones",
"full_name": "Bob Jones",
"ssn": "522-09-1191",
"employer": "Whole Goods",
"employer_address": {
"line1": "852 North W St",
"line2": null,
"city": "New York",
"state": "NY",
"postal_code": "10014",
"country": "US"
},
"status": "active",
"employment_type": "full-time",
"job_title": "Store Manager",
"start_date": "2020-08-28",
"original_hire_date": "2020-08-28",
"end_date": null,
"length_of_work": {
"years": "2",
"months": "6"
},
"last_pay_period_end_date": "2023-03-22",
"last_paystub_date": "2023-03-24"
},
{
"employment": "0185a31d-e2c8-991c-a251-5977e36a418c",
"account": "018728a2-2fe0-cdb4-9486-70b2fe9834f9",
"last_synced_at": "2023-03-01T05:10:59.558Z",
"source": "Bullseye",
"first_name": "Bob",
"last_name": "Jones",
"full_name": "Bob Jones",
"ssn": "522-09-1191",
"employer": "Bullseye",
"employer_address": {
"line1": "119 Green Ridge",
"line2": null,
"city": "New York",
"state": "NY",
"postal_code": "10014",
"country": "US"
},
"status": "active",
"employment_type": "part-time",
"job_title": "Clerk",
"start_date": "2020-06-29",
"original_hire_date": "2020-06-29",
"end_date": null,
"length_of_work": {
"years": "2",
"months": "9"
},
"last_pay_period_end_date": "2023-02-23",
"last_paystub_date": "2023-02-24"
}
]
}
Verification of Assets (Banking VOA) — PDF and JSON
Verification of Assets (Banking VOA) — PDF and JSON
PDFReport PDF
{
"id": "m22kz9tzmz3t",
"type": "voa",
"constraints": {
"accounts": null,
"from_date": null,
"report_custom_fields": null,
"show_nsf": null
},
"status": "success",
"assets": {
"type": null,
"available_balance": 18349.6,
"current_balance": 22327.3,
"two_month_average": 21995.27,
"six_month_average": null,
"beginning_balance": 20942.02
},
"consolidated_available_balance": 18349.6,
"consumer": "eed152a28a1ecd78c0ff401de123faf3",
"consumer_ssn": "6789",
"created_date": "2025-06-10T18:57:22.000Z",
"user": "01975b33-16d0-2c9b-8cd1-85e58e80248c",
"customer_type": "testing",
"days": 61,
"dispute_statement": null,
"end_date": "2025-06-10T18:57:22.000Z",
"end_user": null,
"institutions": [
{
"accounts": [
{
"aggregation_status_code": 0,
"asset": {
"type": "savings",
"current_balance": 22327.3,
"two_month_average": 21995.27,
"six_month_average": null,
"beginning_balance": 20942.02
},
"available_balance": null,
"average_monthly_balance": 21978.28,
"balance": 22327.3,
"balance_date": "2025-06-10T18:57:25.000Z",
"details": {
"interest_margin_balance": null,
"available_cash_balance": null,
"vested_balance": null,
"current_loan_balance": null,
"available_balance_amount": 18349.6,
"margin_balance": null,
"current_balance": null
},
"id": 8057635035,
"income_streams": null,
"name": "Savings",
"number": "2222",
"owner_address": "123 FAKE STREET OGDEN, UT 84401",
"owner_name": "HOMER LOANSEEKER",
"position": null,
"tot_number_days_since_most_recent_insufficient_funds_fee_debit_tx_account": 0,
"tot_number_insufficient_funds_fee_debit_tx_account": 0,
"tot_number_insufficient_funds_fee_debit_tx_over2_months_account": null,
"transactions": [
{
"id": 28483686056,
"amount": 501.68,
"posted_date": "2025-05-19T12:00:00.000Z",
"description": "Home Banking Transfer Deposit: F",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "home banking transfer deposit",
"institution_transaction": "0000000000",
"category": "Transfer",
"best_representation": null
},
{
"id": 28483686184,
"amount": 203.82,
"posted_date": "2025-05-14T12:00:00.000Z",
"description": "Home Banking Transfer Deposit: F",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "home banking transfer deposit",
"institution_transaction": "0000000000",
"category": "Transfer",
"best_representation": null
},
{
"id": 28483686144,
"amount": -100,
"posted_date": "2025-05-13T12:00:00.000Z",
"description": "Home Banking Transfer Withdrawal",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "home banking transfer withdrawal",
"institution_transaction": "0000000000",
"category": "Transfer",
"best_representation": null
},
{
"id": 28483686110,
"amount": -250,
"posted_date": "2025-05-13T12:00:00.000Z",
"description": "Home Banking Transfer Withdrawal",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "home banking transfer withdrawal",
"institution_transaction": "0000000000",
"category": "Transfer",
"best_representation": null
},
{
"id": 28483686071,
"amount": 107.81,
"posted_date": "2025-05-08T12:00:00.000Z",
"description": "Home Banking Transfer Deposit: F",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "home banking transfer deposit",
"institution_transaction": "0000000000",
"category": "Transfer",
"best_representation": null
},
{
"id": 28483686175,
"amount": 25.69,
"posted_date": "2025-04-30T12:00:00.000Z",
"description": "Home Banking Transfer Deposit: F",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "home banking transfer deposit",
"institution_transaction": "0000000000",
"category": "Transfer",
"best_representation": null
},
{
"id": 28483686139,
"amount": -145,
"posted_date": "2025-04-29T12:00:00.000Z",
"description": "Home Banking Transfer Withdrawal",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "home banking transfer withdrawal",
"institution_transaction": "0000000000",
"category": "Transfer",
"best_representation": null
},
{
"id": 28483686102,
"amount": 18.24,
"posted_date": "2025-04-24T12:00:00.000Z",
"description": "Home Banking Transfer Deposit: F",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "home banking transfer deposit",
"institution_transaction": "0000000000",
"category": "Transfer",
"best_representation": null
},
{
"id": 28483686066,
"amount": 100,
"posted_date": "2025-04-24T12:00:00.000Z",
"description": "Home Banking Transfer Deposit: F",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "home banking transfer deposit",
"institution_transaction": "0000000000",
"category": "Transfer",
"best_representation": null
},
{
"id": 28483686115,
"amount": 22.81,
"posted_date": "2025-04-17T12:00:00.000Z",
"description": "Home Banking Transfer Deposit: F",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "home banking transfer deposit",
"institution_transaction": "0000000000",
"category": "Transfer",
"best_representation": null
},
{
"id": 28483686079,
"amount": 500.23,
"posted_date": "2025-04-15T12:00:00.000Z",
"description": "Home Banking Transfer Deposit: F",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "home banking transfer deposit",
"institution_transaction": "0000000000",
"category": "Transfer",
"best_representation": null
},
{
"id": 28483686111,
"amount": 400,
"posted_date": "2025-04-14T12:00:00.000Z",
"description": "Transfer to SAVINGS",
"memo": null,
"investment_transaction_type": null,
"normalized_payee": "transfer",
"institution_transaction": "0000000000",
"category": "Transfer",
"best_representation": null
}
],
"type": "savings"
}
],
"id": 102168,
"name": "FinBank Profiles - B",
"url_home_app": "http://www.finicity.com"
}
],
"portfolio": "1au39wv4bn23-1-port",
"request_id": "zpe49xbhyd",
"requester_name": "Argyle Systems",
"seasoned": false,
"start_date": "2025-04-10T18:57:22.000Z",
"title": "Mastercard Open Banking Verification of Assets"
}
Verification of Assets & Income (Banking VOAI) — PDF and JSON
Verification of Assets & Income (Banking VOAI) — PDF and JSON
PDFReport PDF
{
"id": "tqv5hve3rm6v",
"type": "voaHistory",
"constraints": {
"accounts": null,
"from_date": null,
"report_custom_fields": null,
"show_nsf": null
},
"status": "success",
"assets": {
"current_balance": 9357.24,
"two_month_average": -1001.68,
"six_month_average": null,
"beginning_balance": -8271.16
},
"consolidated_available_balance": 8723.24,
"consumer": "c06f2a726fd40eb25ec1006068b13389",
"consumer_ssn": "6789",
"created_date": "2025-06-10T19:22:06.000Z",
"user": "01975b3b-5ba6-3ec1-2148-f595b6d92614",
"customer_type": "testing",
"days": 61,
"dispute_statement": null,
"end_date": "2025-06-10T19:22:06.000Z",
"end_user": null,
"institutions": [
{
"accounts": [
{
"aggregation_status_code": 0,
"asset": {
"type": "checking",
"current_balance": 9357.24,
"two_month_average": -1001.68,
"six_month_average": null,
"beginning_balance": -8271.16
},
"average_monthly_balance": -1118.93,
"balance": 9357.24,
"balance_date": "2025-06-10T19:07:01.000Z",
"currency": "USD",
"details": {
"interest_margin_balance": null,
"available_cash_balance": null,
"vested_balance": null,
"current_loan_balance": null,
"available_balance_amount": 8723.24,
"margin_balance": null,
"current_balance": null
},
"id": 8057637863,
"income_streams": [
{
"id": "tqv5hve3rm6v1",
"name": "jaberwocky credit jaberwocky ppd id",
"status": "ACTIVE",
"estimate_inclusion": "LOW",
"confidence": 25,
"cadence": {
"start_date": "2024-11-22T12:00:00.000Z",
"stop_date": null,
"days": 49
},
"net_monthly": [
{
"month": "2024-11-01T06:00:00.000Z",
"net": 2000
},
{
"month": "2025-02-01T07:00:00.000Z",
"net": 210.31
},
{
"month": "2025-05-01T06:00:00.000Z",
"net": 4316
},
{
"month": "2025-06-01T06:00:00.000Z",
"net": 4000
}
],
"net_annual": 10526.31,
"projected_net_annual": 0,
"estimated_gross_annual": 14000,
"projected_gross_annual": 0,
"average_monthly_income_net": 1315.79,
"income_stream_months": 8,
"transactions": [
{
"id": 28484445126,
"amount": 4000,
"posted_date": "2025-06-05T12:00:00.000Z",
"description": "JABERWOCKY CREDIT N.A. JABERWOCKY",
"normalized_payee": "jaberwocky credit jaberwocky ppd id",
"institution_transaction": "0000000000",
"category": "Deposit"
},
{
"id": 28484445181,
"amount": 2000,
"posted_date": "2025-05-14T12:00:00.000Z",
"description": "JABERWOCKY CREDIT N.A. JABERWOCKY",
"normalized_payee": "jaberwocky credit jaberwocky ppd id",
"institution_transaction": "0000000000",
"category": "Deposit"
},
{
"id": 28484445152,
"amount": 2316,
"posted_date": "2025-05-14T12:00:00.000Z",
"description": "JABERWOCKY CREDIT N.A. JABERWOCKY",
"normalized_payee": "jaberwocky credit jaberwocky ppd id",
"institution_transaction": "0000000000",
"category": "Deposit"
},
{
"id": 28484445209,
"amount": 210.31,
"posted_date": "2025-02-24T12:00:00.000Z",
"description": "JABERWOCKY CREDIT N.A. JABERWOCKY",
"normalized_payee": "jaberwocky credit jaberwocky ppd id",
"institution_transaction": "0000000000",
"category": "Deposit"
},
{
"id": 28484445236,
"amount": 2000,
"posted_date": "2024-11-22T12:00:00.000Z",
"description": "JABERWOCKY CREDIT N.A. JABERWOCKY",
"normalized_payee": "jaberwocky credit jaberwocky ppd id",
"institution_transaction": "0000000000",
"category": "Deposit"
}
]
},
{
"id": "tqv5hve3rm6v2",
"name": "rocket surgery",
"status": "ACTIVE",
"estimate_inclusion": "HIGH",
"confidence": 100,
"cadence": {
"start_date": "2023-06-15T12:00:00.000Z",
"stop_date": null,
"days": 15
},
"net_monthly": [
{
"month": "2023-06-01T06:00:00.000Z",
"net": 1742.21
},
{
"month": "2023-07-01T06:00:00.000Z",
"net": 3514.43
},
{
"month": "2023-08-01T06:00:00.000Z",
"net": 3449.44
},
{
"month": "2023-09-01T06:00:00.000Z",
"net": 3514.43
},
{
"month": "2023-10-01T06:00:00.000Z",
"net": 3544.43
},
{
"month": "2023-11-01T06:00:00.000Z",
"net": 3499.43
},
{
"month": "2023-12-01T07:00:00.000Z",
"net": 4053.53
},
{
"month": "2024-01-01T07:00:00.000Z",
"net": 3499.43
},
{
"month": "2024-02-01T07:00:00.000Z",
"net": 3514.43
},
{
"month": "2024-03-01T07:00:00.000Z",
"net": 3449.44
},
{
"month": "2024-04-01T06:00:00.000Z",
"net": 3499.43
},
{
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Verification of Income (Banking VOI) — PDF and JSON
Verification of Income (Banking VOI) — PDF and JSON
PDFReport PDF
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Verification of Employment (Banking VOE) — PDF and JSON
Verification of Employment (Banking VOE) — PDF and JSON
PDFReport PDF
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"start_date": "2024-12-12T12:00:00.000Z",
"stop_date": null,
"days": 22
},
"days_since_last_transaction": 11,
"next_expected_transaction_date": "2026-05-24T12:00:00.000Z",
"income_stream_months": 5,
"transactions": [
{
"id": 13713459054,
"amount": null,
"posted_date": "2026-01-26T12:00:00.000Z",
"description": "Mad Science Research PR PAYMENT",
"memo": "PPD ID: 1234567899",
"normalized_payee": "Mad Science Research",
"institution_transaction": "0000000000",
"category": "Paycheck",
"type": null,
"security_type": null,
"symbol": null,
"commission": null
},
{
"id": 13713459096,
"amount": null,
"posted_date": "2026-02-10T12:00:00.000Z",
"description": "Mad Science Research PR PAYMENT",
"memo": "PPD ID: 1234567899",
"normalized_payee": "Mad Science Research",
"institution_transaction": "0000000000",
"category": "Paycheck",
"type": null,
"security_type": null,
"symbol": null,
"commission": null
},
{
"id": 13713459067,
"amount": null,
"posted_date": "2026-02-24T12:00:00.000Z",
"description": "Mad Science Research PR PAYMENT",
"memo": "PPD ID: 1234567899",
"normalized_payee": "Mad Science Research",
"institution_transaction": "0000000000",
"category": "Paycheck",
"type": null,
"security_type": null,
"symbol": null,
"commission": null
},
{
"id": 13713459087,
"amount": null,
"posted_date": "2026-03-07T12:00:00.000Z",
"description": "Mad Science Research PR PAYMENT",
"memo": "PPD ID: 1234567899",
"normalized_payee": "Mad Science Research",
"institution_transaction": "0000000000",
"category": "Paycheck",
"type": null,
"security_type": null,
"symbol": null,
"commission": null
},
{
"id": 13713459037,
"amount": null,
"posted_date": "2026-03-21T12:00:00.000Z",
"description": "Mad Science Research PR PAYMENT",
"memo": "PPD ID: 1234567899",
"normalized_payee": "Mad Science Research",
"institution_transaction": "0000000000",
"category": "Paycheck",
"type": null,
"security_type": null,
"symbol": null,
"commission": null
},
{
"id": 13713459027,
"amount": null,
"posted_date": "2026-04-04T12:00:00.000Z",
"description": "Mad Science Research PR PAYMENT",
"memo": "PPD ID: 1234567899",
"normalized_payee": "Mad Science Research",
"institution_transaction": "0000000000",
"category": "Paycheck",
"type": null,
"security_type": null,
"symbol": null,
"commission": null
},
{
"id": 13713459057,
"amount": null,
"posted_date": "2026-04-18T12:00:00.000Z",
"description": "Mad Science Research PR PAYMENT",
"memo": "PPD ID: 1234567899",
"normalized_payee": "Mad Science Research",
"institution_transaction": "0000000000",
"category": "Paycheck",
"type": null,
"security_type": null,
"symbol": null,
"commission": null
},
{
"id": 13713459230,
"amount": null,
"posted_date": "2026-05-02T12:00:00.000Z",
"description": "Mad Science Research PR PAYMENT",
"memo": "PPD ID: 1234567899",
"normalized_payee": "Mad Science Research",
"institution_transaction": "0000000000",
"category": "Paycheck",
"type": null,
"security_type": null,
"symbol": null,
"commission": null
}
]
},
{
"id": "acbv1wdhitx6-voetransactions3",
"name": "rocket surgery",
"status": "ACTIVE",
"estimate_inclusion": "HIGH",
"confidence": 100,
"cadence": {
"start_date": "2024-06-01T12:00:00.000Z",
"stop_date": null,
"days": 15
},
"days_since_last_transaction": 12,
"next_expected_transaction_date": "2026-05-16T12:00:00.000Z",
"income_stream_months": 5,
"transactions": [
{
"id": 13713459018,
"amount": null,
"posted_date": "2026-01-15T12:00:00.000Z",
"description": "ROCKET SURGERY PAYROLL",
"memo": "PPD ID: 1234567892",
"normalized_payee": "Rocket Surgery",
"institution_transaction": "0000000000",
"category": "Paycheck",
"type": null,
"security_type": null,
"symbol": null,
"commission": null
},
{
"id": 13713459222,
"amount": null,
"posted_date": "2026-02-01T12:00:00.000Z",
"description": "ROCKET SURGERY PAYROLL",
"memo": "PPD ID: 1234567892",
"normalized_payee": "Rocket Surgery",
"institution_transaction": "0000000000",
"category": "Paycheck",
"type": null,
"security_type": null,
"symbol": null,
"commission": null
},
{
"id": 13713459050,
"amount": null,
"posted_date": "2026-02-15T12:00:00.000Z",
"description": "ROCKET SURGERY PAYROLL",
"memo": "PPD ID: 1234567892",
"normalized_payee": "Rocket Surgery",
"institution_transaction": "0000000000",
"category": "Paycheck",
"type": null,
"security_type": null,
"symbol": null,
"commission": null
},
{
"id": 13713459111,
"amount": null,
"posted_date": "2026-03-01T12:00:00.000Z",
"description": "ROCKET SURGERY PAYROLL",
"memo": "PPD ID: 1234567892",
"normalized_payee": "Rocket Surgery",
"institution_transaction": "0000000000",
"category": "Paycheck",
"type": null,
"security_type": null,
"symbol": null,
"commission": null
},
{
"id": 13713459166,
"amount": null,
"posted_date": "2026-03-15T12:00:00.000Z",
"description": "ROCKET SURGERY PAYROLL",
"memo": "PPD ID: 1234567892",
"normalized_payee": "Rocket Surgery",
"institution_transaction": "0000000000",
"category": "Paycheck",
"type": null,
"security_type": null,
"symbol": null,
"commission": null
},
{
"id": 13713459221,
"amount": null,
"posted_date": "2026-04-01T12:00:00.000Z",
"description": "ROCKET SURGERY PAYROLL",
"memo": "PPD ID: 1234567892",
"normalized_payee": "Rocket Surgery",
"institution_transaction": "0000000000",
"category": "Paycheck",
"type": null,
"security_type": null,
"symbol": null,
"commission": null
},
{
"id": 13713459198,
"amount": null,
"posted_date": "2026-04-15T12:00:00.000Z",
"description": "ROCKET SURGERY PAYROLL",
"memo": "PPD ID: 1234567892",
"normalized_payee": "Rocket Surgery",
"institution_transaction": "0000000000",
"category": "Paycheck",
"type": null,
"security_type": null,
"symbol": null,
"commission": null
},
{
"id": 13713459034,
"amount": null,
"posted_date": "2026-05-01T12:00:00.000Z",
"description": "ROCKET SURGERY PAYROLL",
"memo": "PPD ID: 1234567892",
"normalized_payee": "Rocket Surgery",
"institution_transaction": "0000000000",
"category": "Paycheck",
"type": null,
"security_type": null,
"symbol": null,
"commission": null
}
]
},
{
"id": "acbv1wdhitx6-voetransactions4",
"name": "irs treas",
"status": "INACTIVE",
"estimate_inclusion": "HIGH",
"confidence": 100,
"cadence": {
"start_date": "2025-10-06T12:00:00.000Z",
"stop_date": "2025-10-06T12:00:00.000Z",
"days": 0
},
"days_since_last_transaction": null,
"next_expected_transaction_date": null,
"income_stream_months": null,
"transactions": []
},
{
"id": "acbv1wdhitx6-voetransactions5",
"name": "secret agent staffing",
"status": "INACTIVE",
"estimate_inclusion": "HIGH",
"confidence": 100,
"cadence": {
"start_date": "2024-07-25T12:00:00.000Z",
"stop_date": "2025-06-28T12:00:00.000Z",
"days": 18
},
"days_since_last_transaction": null,
"next_expected_transaction_date": null,
"income_stream_months": null,
"transactions": []
},
{
"id": "acbv1wdhitx6-voetransactions6",
"name": "veridiandynamics payroll ppd id",
"status": "INACTIVE",
"estimate_inclusion": "HIGH",
"confidence": 100,
"cadence": {
"start_date": "2024-06-19T12:00:00.000Z",
"stop_date": "2025-04-11T12:00:00.000Z",
"days": 59
},
"days_since_last_transaction": null,
"next_expected_transaction_date": null,
"income_stream_months": null,
"transactions": []
},
{
"id": "acbv1wdhitx6-voetransactions7",
"name": "exspensor",
"status": "INACTIVE",
"estimate_inclusion": "LOW",
"confidence": 25,
"cadence": {
"start_date": "2024-07-08T12:00:00.000Z",
"stop_date": "2025-03-17T12:00:00.000Z",
"days": 50
},
"days_since_last_transaction": null,
"next_expected_transaction_date": null,
"income_stream_months": null,
"transactions": []
}
]
}
],
"id": 102168,
"name": "FinBank Profiles - B",
"url_home_app": "http://www.finicity.com"
}
],
"user": "019e2352-921f-babc-568b-c1cfe44e0216"
}
Verification of Income (Doc VOI) — PDF and JSON
Verification of Income (Doc VOI) — PDF and JSON
PDFReport PDF
{
"report_id": "02889578-fb0f-4fb5-8ee3-f2d8f3f8116b",
"type": "doc-voi-mortgage",
"user_id": "019e2367-129d-98d2-8ff0-56660fee2c83",
"external_id": null,
"created_at": "2026-05-13T22:15:55.226Z",
"last_synced_at": null,
"metadata": {
"aim_check": {
"status": "available",
"employments": [
{
"employer": "WAREHOUSE SERVICES INC",
"eligibility": true,
"eligibility_issues": []
}
],
"reference_id": "FM-0850681-02889578-fb0f-4fb5-8ee3-f2d8f3f8116b"
}
},
"documents": [
{
"id": "019e2368-ceb6-102e-7c0f-4e4a957b53de",
"employer": "WAREHOUSE SERVICES INC",
"document_type": "paystubs",
"pay_date": "2026-05-12",
"pay_period_start_date": "2026-04-27",
"pay_period_end_date": "2026-05-12",
"year": null
},
{
"id": "019e2369-1776-fe80-14a7-326a45f5c619",
"employer": "WAREHOUSE SERVICES INC",
"document_type": "paystubs",
"pay_date": "2025-12-15",
"pay_period_start_date": "2025-12-01",
"pay_period_end_date": "2025-12-15",
"year": null
},
{
"id": "019e2368-f4d7-01e7-544c-39b0871f0bf4",
"employer": "WAREHOUSE SERVICES INC",
"document_type": "paystubs",
"pay_date": "2024-12-15",
"pay_period_start_date": "2024-12-01",
"pay_period_end_date": "2024-12-15",
"year": null
}
],
"employments": [
{
"employment": null,
"account": null,
"last_synced_at": null,
"source": "Doc Upload",
"first_name": null,
"last_name": null,
"full_name": "BOB JONES",
"birth_date": null,
"ssn": "123456789",
"phone_number": null,
"email": null,
"employee_address": {
"line1": "1234 MAIN STREET",
"line2": null,
"city": "BALTIMORE",
"state": "MD",
"postal_code": "20600",
"country": null
},
"employer": "WAREHOUSE SERVICES INC",
"employer_address": {
"line1": "22122 U.S. 12877",
"line2": null,
"city": "ARLINGTON",
"state": "IL",
"postal_code": "60004",
"country": null
},
"status": "active",
"employment_type": null,
"job_title": null,
"base_pay": null,
"pay_cycle": "semimonthly",
"start_date": "2023-02-01",
"original_hire_date": "2023-02-01",
"end_date": null,
"length_of_work": null,
"last_pay_period_end_date": "2026-05-12",
"last_paystub_date": "2026-05-12",
"income": [
{
"period": "2026",
"currency": "USD",
"gross_pay": {
"total": "49203.85",
"base": "45503.85",
"overtime": "14400.00",
"bonus": "16900.00",
"commission": null,
"other": null
}
},
{
"period": "2025",
"currency": "USD",
"gross_pay": {
"total": "49203.85",
"base": "45503.85",
"overtime": "14400.00",
"bonus": "16900.00",
"commission": null,
"other": null
}
},
{
"period": "2024",
"currency": "USD",
"gross_pay": {
"total": "49203.85",
"base": "45503.85",
"overtime": "14400.00",
"bonus": "16900.00",
"commission": null,
"other": null
}
}
],
"monthly_income": {
"aim_check": {
"total": "6400.32",
"base": "3791.99",
"overtime": "1200.00",
"bonus": "1408.33",
"commission": "0.00",
"other": "0.00"
}
},
"callouts": []
}
]
}
Payroll Overview
Verify income and employment by allowing users to directly connect their employers and payroll providers.
Banking Overview
Verify assets and income by allowing users to directly connect their financial institutions.
Documents Overview
Receive Freddie Mac monthly income calculations from uploaded paystubs and W2s.- Upload paystubs and W-2s when borrower cannot connect via Argyle with a direct payroll login
- Generate an Argyle Doc VOI report with rep & warrant determination for income and employment
Workflow
Create a user
Create a user before ordering a verification. Include the following PII information in your request:| Field | Payroll verifications | Banking verifications | Document verifications |
|---|---|---|---|
first_name | Not required | Required | Required |
last_name | Not required | Required | Required |
ssn | Not required | Required | Required |
birth_date | Not required | Required | Not required |
address | Not required | Required | Not required |
phone_number | Not required | Required | Not required |
Example request: POST /v2/users
Example request: POST /v2/users
{
"first_name": "Jane",
"last_name": "Doe",
"ssn": "000-00-0000",
"email": "jane@example.com",
"phone_number": "+15555555555",
"address": {
"city": "New York",
"line1": "123 Main St",
"line2": null,
"state": "NY",
"country": "US",
"postal_code": null
},
"birth_date": {
"year": 1990,
"month": 1,
"day": 13
},
"external_id": null,
"external_metadata": {
"suppress_verification": true
}
}
Order a verification
UsePOST /v2/verifications for all verification types (payroll, banking, and documents).
The shared request model works as follows:
useris required for all verification requests.report.typedetermines whether the verification is payroll-based, banking-based, or documents-based.employmentsis required for document verifications only.report.configurationis used for banking verifications only.loanandbillingcan be supplied for all verification types.
report.type = voie | voe.
For mortgage workflows, request voie or voe; Argyle determines when a mortgage-specific report needs to be generated.
Example payroll request: POST /v2/verifications
Example payroll request: POST /v2/verifications
{
"user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
"report": {
"type": "voie"
},
"loan": {
"number": "1234",
"borrower_id": "ABC789",
"application_id": "2121313",
"officer_email": "john.doe@mortgage.com"
},
"billing": {
"cost_center": "5"
}
}
report.type = voa | voai | voi | voe-transactions
Example banking request: POST /v2/verifications
Example banking request: POST /v2/verifications
{
"user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
"report": {
"type": "voai",
"configuration": {
"from_date": "2024-01-01T00:00:00Z",
"income_stream_confidence_minimum": 50,
"report_custom_fields": [
{
"label": "loanID",
"value": "12345",
"shown": true
}
]
}
},
"loan": {
"number": "1234",
"borrower_id": "ABC789",
"application_id": "2121313",
"officer_email": "john.doe@mortgage.com"
},
"billing": {
"cost_center": "5"
}
}
report.type = doc-voi-mortgage
Example document request: POST /v2/verifications
Example document request: POST /v2/verifications
{
"user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
"employments": [
{
"employer": "Warehouse Services Inc",
"status": "active",
"hire_date": "2023-02-01",
"termination_date": null
}
],
"report": {
"type": "doc-voi-mortgage"
},
"loan": {
"number": "1234",
"borrower_id": "ABC789",
"application_id": "2121313",
"officer_email": "john.doe@mortgage.com"
},
"billing": {
"cost_center": "5"
}
}
Create a connection session
Skip this step for document verifications. For payroll and banking verifications, create a session viaPOST /v2/sessions. When the request succeeds, the response includes a link URL that launches the frontend session. Session links expire after one hour for security. A new session link can be created at any time by creating another session for the active verification.
The verification used to create the session must be in an active state. Active means the verification is not completed and not cancelled. If no active verification exists, create a new verification first.
verification ID and accepts an optional configuration object:
| Configuration property | Applies to | Description |
|---|---|---|
configuration.experience | Banking only | Optional bank connection experience customization ID (provided by Argyle) |
configuration.single_use_url | Banking only | Expires after one successful connection |
configuration.redirect_url | Payroll and banking | Redirect URL after session completion |
configuration.flow_id | Payroll only | Optional payroll embedded connection experience customization ID |
configuration.language | Payroll only | Supported Link display language |
configuration.mobile_app | Payroll only | Set to true if embedding in a mobile application, otherwise false |
Example payroll request: POST /v2/sessions
Example payroll request: POST /v2/sessions
{
"verification": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
"configuration": {
"redirect_url": "https://your-application.com/return",
"flow_id": "12ABCD3E",
"language": "EN",
"mobile_app": true
}
}
Example payroll response
Example payroll response
{
"verification": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
"configuration": {
"experience": null,
"single_use_url": false,
"redirect_url": "https://your-application.com/return",
"flow_id": "12ABCD3E",
"language": "EN",
"mobile_app": true
},
"link": "https://connect.argyle.com/?...",
"data_source": "payroll"
}
Example banking request: POST /v2/sessions
Example banking request: POST /v2/sessions
{
"verification": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
"configuration": {
"experience": "97f1eccb-241d-4052-8409-fab9e27a589b",
"single_use_url": false,
"redirect_url": "https://your-application.com/return"
}
}
Example banking response
Example banking response
{
"verification": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
"configuration": {
"experience": "97f1eccb-241d-4052-8409-fab9e27a589b",
"single_use_url": false,
"redirect_url": "https://your-application.com/return"
},
"link": "https://connect2.finicity.com?...",
"data_source": "banking"
}
link based on the verification type:
- Payroll
- Embedded Link (recommended) — Pass
linkas theconnectUrlparameter when initializing Link. This is the default recommendation, including when you want to initialize Link inside an iframe as Link callbacks remain available. - Hosted Link — On web, open the
linkURL in the same tab, a popup window, or a separate tab. On mobile, open thelinkin a secure browser context such asASWebAuthenticationSessionon iOS orAndroid Custom Tabson Android. Hosted Link currently does not support callbacks.
Do not default to loading Hosted Link in an iframe. If you need iframe isolation, prefer Embedded Link withconnectUrl - Embedded Link (recommended) — Pass
- Banking
- Embedded banking session (recommended) — On web, create and manage an iframe in your app and set the returned
linkas the iframesrc. On mobile, open the returnedlinkinside your app’s banking frontend container, such as a webview or secure browser container. - Hosted banking session — On web, open the
linkURL in the same tab, a popup window, or a separate tab. On mobile, open it in a secure browser context such asASWebAuthenticationSessionon iOS orAndroid Custom Tabson Android.
- Embedded banking session (recommended) — On web, create and manage an iframe in your app and set the returned
Always set
configuration.redirect_url for Hosted Link and Hosted banking session flows so the user returns to your application. Argyle appends user_submission_complete and user_attempted_employer_selection, which mirror the onClose callback fields userSubmissionComplete and userAttemptedEmployerSelection. On mobile, use a return target your app can open directly, such as a universal link, Android App Link, or custom app scheme.Subscribe to webhooks
Subscribe to theverifications.updated webhook to track lifecycle events.
Set
include_resource = true so the webhook payload contains the full verification object inside data.resource.status.code updates are:
pending— verification createduser_session_started— user opened the payroll or banking experienceauthenticated— the user authenticated for payroll or banking and data aggregation is startingdocuments_processing— uploaded documents are currently processingcompleted— the report is ready for download
Download reports and JSON
When you receive averifications.updated webhook with status.code = completed, the report object in the webhook payload will contain the following download links:
file_url— PDF reportjson_url— report in JSON format
Example webhook
Example webhook
{
"event": "verifications.updated",
"name": "name-for-the-webhook-subscription",
"data": {
"user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
"verification": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
"resource": {
"id": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
"user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
"created_at": "2023-03-09T16:22:06.081Z",
"updated_at": "2023-03-09T16:22:06.081Z",
"channel": "api",
"status": {
"state": "COMPLETED",
"code": "completed",
"errors": []
},
"report": {
"id": "2a14ce6f-3aed-4c15-8ea2-92a17b6edb95",
"type": "doc-voi-mortgage",
"file_url": "www.argyle.com/storagename/pdf",
"json_url": "www.argyle.com/storagename/json"
},
"employments": [
{
"employer": "Starbucks",
"status": "active",
"hire_date": "2015-08-28",
"termination_date": null
}
],
"loan": {
"number": "1234",
"borrower_id": "ABC789",
"application_id": "2121313",
"officer_email": "john.doe@mortgage.com"
},
"billing": {
"cost_center": "5"
},
"data_source": "documents"
}
}
}
file_url and json_url require Argyle authentication headers.
Re-Verifications
Instant Refresh
The refresh endpoint supports payroll, banking, and Doc VOI verifications. It returns a new verification ID and report.
POST /v2/verifications/refresh to create a new payroll or banking verification without the user needing to reconnect, as long as a valid connection is still available. For Doc VOI, use the same endpoint with report.type = doc-voi-mortgage to generate a new report from the user’s existing uploaded documents without uploading additional documents.
In most cases, instant refresh verifications move quickly to either completed or cancelled.
Doc VOI with new documents
To refresh a Doc VOI report with additional or updated documents, order a newdoc-voi-mortgage verification for the same user with POST /v2/verifications. The request shape is the same as a new document verification, including the employments requirements.
Argyle reuses the user’s previously uploaded documents as the baseline for the new verification. After the new verification is created:
- Upload each net-new document for the same
userwithPOST /v2/user-uploads. - Listen for
verifications.updatedwebhooks as the verification moves through document processing. - Retrieve the refreshed report from
report.file_urlorreport.json_urlwhen the verification is complete.
Recovery options and error handling
Connections not completed
If the user closes the payroll or banking experience before completion, or the session link expires, the verification usually remains inpending or user_session_started. In this case, create a new session URL for the existing active verification with POST /v2/sessions.
User details missing or invalid
IfPOST /v2/verifications returns a 400 response for missing or invalid user details:
- Update the user with
PATCH /v2/users/{id}. - Retry
POST /v2/verifications.
Testing
Payroll test profiles
Use Argyle’s sample user credentials in Link to connect to:- Sandbox: any employer or payroll provider
- Production:
PlatformtronicorEmployertronic
| Homer Loanseeker | Suzi Builder | Andy Freddie | |
|---|---|---|---|
| homer_loanseeker@argyle.com | suzi_builder@argyle.com | andy_freddie@argyle.com | |
| Username | homer_loanseeker | suzi_builder | andy_freddie |
| Password | passgood | passgood | passgood |
| Verification code | 9081 | 9084 | 9088 |
| Phone number | (800) 900-0101 | (800) 900-0104 | (800) 900-0108 |
| Driver’s license # | D1230101 | D1230104 | D1230108 |
| Returns | 1 active employment | 2 active employments | 1 active and 1 terminated employment |
Banking test profiles
When you’re ready to begin testing, contact your Argyle Customer Success Manager to enable banking permissions.
The Sandbox testing environment for banking supports a maximum of 500 users. To stay within this limit, implement user-management workflows and remove inactive users when they are no longer needed.
- Sandbox: connect to
FinBank Profiles AorFinBank Profiles B - Production: connect to
FinBank BillableorFinBank Oauth Billable
| Username | Password | Account types | Supported products |
|---|---|---|---|
| profile_02 | profile_02 | Savings, IRA, 401k, Credit Card | voa, voi, voai |
| profile_03 | profile_03 | Checking, Personal Investment, 401K, Roth, Savings (Joint Account owners) | voa, voi, voai |
| profile_04 | profile_04 | Checking, 403B, 529, Rollover, Mortgage | voa, voi, voai |
| profile_05 | profile_05 | Checking, Investment, Stocks, UGMA, UTMA (Joint Account owners) | voa, voi, voai |
| profile_06 | profile_06 | Checking, Retirement, KEOGH, 457, Credit Card | voa, voi, voai |
| profile_07 | profile_07 | Checking, Stocks, CD, Investment Tax-Deferred, Employee Stock | voa, voi, voai |
| profile_08 | profile_08 | Checking, Primary Savings, Money Market, 401A, Line of credit | voa, voi, voai |
| profile_09 | profile_09 | Checking, Savings, Checking failed report. Errors include 102, 103, 185. | voa, voi, voai (failed report) |
| Sue Wealthy | River Paycheck | Alex Student | |
|---|---|---|---|
| Username | sue_wealthy | river_paycheck | alex_student |
| Password | profile_700 | profile_703 | profile_704 |
| Description | Sue is working as a Product Manager with a good steady income, a mortgage, and multiple investment accounts. She has a loan account and leases a car. Sue travels a few times a year. She has typical expenses like groceries, clothes, entertainment, gym membership, car expenses, and she has a pet. | River works in construction. He rents an apartment and has typical expenses like groceries, clothes, entertainment, household and car expenses. He has some savings but no investments, no loans and no credit cards. In some months, River’s expenses exceed his income. | Alex is working full-time with a good salary but she is still paying off her student loan. She makes regular monthly repayments, but she still has over $30,000 to pay off. Alex has typical expenses like groceries, clothes, entertainment, household, and car expenses. She has limited savings and she has started an investment account. |
Doc VOI test documents
When you’re ready to begin testing, contact your Argyle Customer Success Manager to enable document permissions.
employments value:
"employments": [
{
"employer": "Warehouse Services Inc",
"status": "active",
"hire_date": "2023-02-01",
"termination_date": null
}
]
Do not adjust file names.
- Sandbox
- Production
GSE-eligible monthly income
GSE-eligible monthly income
Upload the following documents:
Not GSE-eligible monthly income
Not GSE-eligible monthly income
Upload the following documents:
Requires more data
Requires more data
Upload only the following document:
Production testing can be done with real documents. If needed, use the sample files below.
GSE-eligible monthly income
GSE-eligible monthly income
Upload the following documents:
Not GSE-eligible monthly income
Not GSE-eligible monthly income
Requires more data
Requires more data
Upload only the following document: