Coverage enhancements
Argyle now supports payroll connections for employees at Hobby Lobby, expanding coverage to approximately 50,000 employees across the U.S.- Hobby Lobby can be accessed via the Item ID
item_000295436
Coverage enhancements
HCMToGo, the mobile app employees use to access the UKG Ready payroll and HR platform through partner and white-label providers, is now supported, expanding Argyle’s coverage to approximately 34,000 employers across PEOs, payroll bureaus, and reseller networks. A new UKG Ready connection option also allows users to connect through the platform directly.- HCMToGo can be accessed via the Item ID
item_000149212 - UKG Ready can be accessed via the Item ID
item_000289539
Link token renewal
Starting November 30, 2026, a user token will no longer be usable to refresh a different user’s Link session. Using a token for a different user will return an invalid_user_token error.When a user token expires (or five minutes before expiration on Web), the onTokenExpired callback is triggered. It provides an update function for replacing the current session’s token without closing and re-initializing Link.Alternatively, you can create a new user token for existing users through the API’s create a user token endpoint and use the returned token to initialize a new Link session. When refreshing a token, use the existing user.If your token refresh flow already uses the same user, no changes are required.API enhancements
A new partner object has been added to the verifications endpoints and verification webhook payloads for verifications ordered through a partner. It contains the partner’s id and includes its name when available.This update applies to client and partner integrations. Existing channel values are unchanged.APIConsoleIntegrations
Freddie Mac's monthly income calculations, alongside direct-source payroll data.
Introducing Direct VOIE+
Direct VOIE+ is now available, adding monthly income calculations from Freddie Mac’s AIM Check API alongside the payroll data applicants share through Argyle.- Assess financing options sooner: Use Freddie Mac’s monthly income calculations to help structure loans earlier in the origination process.
- Reduce underwriting rework: Spot differences between initial income estimates and Freddie Mac’s calculations before the file reaches underwriting.
- Keep your existing workflow: Use Direct VOIE+ across Console, API, and Encompass without changing how you order verifications.
Console enhancements
You can now create custom Sandbox test users when previewing embedded flows in Console Flows.With Sandbox mode enabled, describe the income or employment scenario you want to test under Create custom user when testing embedded Flows. You’ll receive a username, test password, and guidance on which employer or payroll provider to select in Sandbox.Custom users are saved to your organization, so your team can reuse the same scenarios during testing.Link updates
We’ve expanded Spanish language support to Argyle landing pages:- Applicants can now switch between English and Spanish using a language toggle. The landing page automatically opens in Spanish when the browser is set to Spanish.
- The selected language carries through to payroll and banking connections, with no need to select it again.
Verifications in Console
The new Verifications page in Console brings payroll, banking, and Doc VOI results together for mortgage teams.- Order payroll and banking verifications from a single form, with income, employment, and asset verification options.
- Track orders by borrower or verification with Consumer and Verification views, plus search and filters for status, report type, data source, and more.
- Review reports and supporting documents for each borrower, including results from verifications ordered through our API, Encompass, or other partner systems.
Integration enhancements
Expected release: November 3, 2026We’re updating our Banking VOI and Banking VOAI reports to better distinguish income from personal transfers, refunds, and other non-income deposits.✔️ Refined income confidence: P2P, cash, and check deposits are evaluated using payer information and deposit patterns. Deposits with limited supporting information are less likely to receive High confidence, while recognizable paycheck and gig-platform income can remain High.✔️ Improved non-income filtering: Better recognition of refunds, reimbursements, loan disbursements, and earned-wage advances reduces the likelihood that these deposits are counted as income.✔️ Clearer income stream names: Cash and ATM deposit streams with an unidentified payer use more descriptive names that include the deposit category, making them easier to review.API enhancements
Argyle’s existing OCR support for 1099 document uploads now includes authenticity analysis for 1099-MISC, 1099-K, 1099-R, and SSA-1099 forms. Authenticity scores and detailed authenticity information are available alongside existing OCR data.Results can be retrieved through the API or viewed in Console, including authenticity summaries. The existing user_uploads.ocr_authenticity webhook also provides notifications when results are available.Updates to Customer Terms and consumer documents
We updated the Open Payroll Customer Terms and the documents they incorporate — the Data Protection Addendum, Support Policy, Service Levels and Subprocessor List — to cover upcoming releases for tax documents and employer outreach, to address customers that are consumer reporting agencies, and to describe how fees work for requests submitted through or delivered into third-party platforms, point-of-sale systems and loan origination systems. We also updated our consumer-facing documents, including the Consumer Terms, Privacy Notice, Cookie Policy and Messaging Policy, and retired the separate CCPA Notice, whose state-law disclosures now sit within the Privacy Notice. The updated versions are dated October 1, 2026 and are available at argyle.com/legal.Coverage enhancements
OnPay, a payroll and HR platform for small and medium-sized businesses, is now available, expanding Argyle’s coverage by 300,000+ employees.- OnPay can be accessed via the Item ID
item_000028957
APILinkIntegrations
Wholesale lenders can now send broker-branded borrower invites through Argyle’s Verifications API and Encompass® TPO Connect.
Broker-branded invites for wholesale mortgage
Wholesale lenders can now send broker-branded borrower invites through Argyle’s Verifications API and Encompass® TPO Connect.- Broker-branded communication: Email and SMS invites identify the broker, with contact details available in the email and landing page.
-
API support: Add broker details once per borrower using
external_metadata.broker. The default wholesale flow provides broker-specific messaging without creating a separate flow for every broker. -
TPO Connect ordering: Brokers can order payroll, asset, and document-based income verifications using the lender’s Argyle setup. Encompass Automated Service Ordering (ASO) also supports initial orders on broker-originated loans.
Link updates
You can now enable two checks for document uploads via Link:- Incorrect document type — If a user uploads a different document type from the one requested, Link rejects the upload and directs them to submit the correct type. This check is available for paystub, W-2, and 1099 requests.
- Paystub recency — Set how recent a paystub must be (30 days by default). Older paystubs are rejected, and users are directed to submit a more recent one.
New connection notifications
Monitor new connections after verifications- A new
verifications.connection_addedwebhook is now available for clients and partners. It is sent when a user adds a new payroll account or connects a new banking institution after a verification reachesCOMPLETEDorCANCELLED. - For verifications initiated through Encompass or Consumer Connect, an email notification is also sent when a new connection is added.
- In Encompass, a one-click option to refresh the verification with the newly connected data is shown.
- The optional
data.resource.availabilityobject in account webhook payloads now includesshiftsanduser_uploadsforaccounts.added,accounts.updated,accounts.connected, andaccounts.failed.
Coverage enhancements
Skyward, one of the largest education platforms in the U.S. and a provider of K–12 HR and payroll software, is now available through Argyle, expanding coverage to more than 1,200 organizations, including hundreds of school districts and municipalities across the country.- Skyward can be accessed via the Item ID
item_000283932
Custom sending domain
Emails sent to consumers through Argyle can now come from an address on your own domain, such as verifications@yourcompany.com, instead of an Argyle email address.Custom sender domains are currently available on request. Contact your Argyle Customer Success Manager to enable the feature, then follow the setup guide to configure it in Console.Verification invites
Verification invites can now be created through the Verifications API.- After ordering one or more verifications, create a session with
type: inviteand provide the user’s email address, phone number, or both.
Link updates
We’ve improved invites and landing pages to provide more guidance throughout the verification process:- Email and SMS invites now list all requested verifications, including income, employment, and assets.
- As users complete each verification, or if they encounter an issue, the landing page directs them to the next required step or another available option.
-
If users try to exit before all requested verifications are complete, they are prompted to optionally complete any remaining verifications.
Coverage enhancements
Argyle has expanded its franchise coverage, with an additional 1,500+ Items added for corporate and franchise employers across 14 major brands, including Burger King, Dairy Queen, Domino’s, Dunkin’, KFC, Little Caesars, McDonald’s, Panera Bread, Pizza Hut, Planet Fitness, Popeyes, Subway, Taco Bell, and Wendy’s.