Document processing

Learn how documents are processed from connected payroll accounts and through document upload.

Argyle can process documents from two sources:

  • Payroll documents: After a user connects a payroll account, Argyle scans and retrieves all documents in the user's account, including paystubs, W-2s, and 1099s. Key income and employment data is extracted and made available as part of Argyle's normalized data structure. The raw documents themselves and corresponding machine-readable text are also made available via Console and Argyle's API.
  • Uploaded documents: Users can upload employment documents as PDF or image files directly with Argyle Link. This can serve as an alternative way to verify income and employment when a user cannot find or fails to connect their payroll account. Optionally, a third party optical character recognition (OCR) provider can be used to scan these uploaded documents, and the OCR data can be integrated with Argyle.

Payroll documents


Payroll documents are retrieved and processed by Argyle after a user connects a payroll account. The data from each document is extracted and standardized, and then made available via Console or Argyle's API. The raw documents themselves can also be viewed and downloaded, along with the raw data from key employment documents including paystubs, W-2's, and 1099s.

Retrieve payroll documents


Both Console and the API can be used to retrieve the payroll data and download the original employment documents.

  • In Console, click on an individual user in the Your users tab, then use the Documents tab to see and download documents. Employment documents for users are organized by each of their employers. Clicking the JSON button will toggle the view so the same data returned by the API can be examined.
  • In the API:

Use documents webhooks to stay notified when new documents are added, updated, or removed from a payroll account, or when all data contained in a document has been processed and made available.

Periodic scanning of connected accounts is also recommended to ensure all data from changes to documents has fully synced with any information you have saved. See continuous data access in our data retrieval guide to learn more.

Uploaded documents


Users can upload employment documents directly with Argyle Link. This can serve as an alternative way to verify income and employment when a user cannot find or fails to connect their payroll account.

File types supported

Document upload support for W-2s, 1099s, and paystubs

FILE FORMATLINK SUPPORTTHIRD PARTY OCR SUPPORT
PDFWeb, iOS, Android, React NativeYes
JPG image uploadWeb, iOS, Android, React NativeYes
PNG image uploadWeb, iOS, Android, React NativeYes
HEIC image uploadWeb, iOS, Android, React NativeYes
Photo captureWeb

(iOS, Android, React Native
support in Link coming soon)
Yes

Users can choose to upload documents from their photo library or file system, or use photo capture for web integrations.

document upload screendocument upload screen

Enable document upload


Enable document upload in your Link flow using Link Customizer in Console. You can choose from three ways for users to upload documents:

  1. Ask users to upload documents if they are unable to find their income source.
  2. Ask users to upload documents if they provide invalid credentials when connecting a payroll account.
  3. Ask users to upload documents immediately when Link is opened, bypassing the process for connecting a payroll account.

You can also configure the document types you allow or require users to upload. Available document types are paystubs, W-2s, and 1099s.

document upload settingsdocument upload settings


Cannot find income source

To enable document upload for users who cannot find their employer or payroll provider, select ‘If no results’ experience after clicking Document upload settings in Link Customizer.

if no results in Consoleif no results in Console

Failed to connect payroll account

To enable document upload after a user fails to connect their employer or payroll provider, select ‘If login failed’ experience after clicking Document upload settings in Link Customizer.

if login failed in Consoleif login failed in Console

Document upload only

You can directly connect users to the document upload screen using deep linking, bypassing the process for connecting employer or payroll platforms.

See our deep linking guides to configure this option in Console or programatically.

deep linking in Consoledeep linking in Console

Implement document upload


After your customizations are prepared in Link Customizer, click Save to create a customizationId with your chosen settings and document upload enabled.

Include the customizationId when initializing Argyle Link in your application or inviting new users through Console to connect via email or SMS.

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Consult our integration guides for more information on how to embed and initialize Argyle Link in your application.

Users will go through the below document upload process in Argyle Link:

document upload processdocument upload process

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Document uploading via Argyle Link is supported for all web integrations and SDK’s starting from these versions:

  • Android 4.2
  • iOS 4.2
  • React Native 4.2

Retrieve uploaded documents


Both Console and the API can be used to retrieve directly uploaded documents. If a third party OCR process has been used to obtain the documents’ data, that will also be accessible.

  • In Console, click on an individual user in the Your users tab, then use the Uploaded documents tab to see and download uploaded documents. Employment documents for users are organized by each of their employers. An OCR tag will appear next to the document name if OCR data is available from a third party provider. Clicking the JSON button will toggle the view so the same data returned by the API can be examined.
  • In the API, use the /forms endpoint to retrieve user-uploaded document information. Third party OCR data will be provided in the ocr_data object within metadata. Refer to your third party’s documentation for their data field descriptions.
Example JSON for a directly uploaded document with third party OCR data
{
    "id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
    "status": "SUBMITTED",
    "data": {
        "employer_name": "Jim's Hardware",
        "payroll_platform": "MyADP",
        "paystubs": [
            {
                "file_id": "017c8488-1854-7e7b-30e3-a5dffb532534",
                "metadata": {
                    "ocr_data": {
                        "book_uuid": "89743732-85a5-4ae5-91e0-a2c451ccda58",
                        "uploaded_image_bucket_uuid": null,
                        "doc_uuid": "1ad00e85-06c2-4a71-9365-066b0cb80c45",
                        "doc_page_numbers": [
                            1
                        ],
                        "uuid": "70a706b5-070e-41e5-98bb-323fc3617c06",
                        "employer": {
                            "name": "SAMPLE COMPANY NAME",
                            "address": {
                                "line1": null,
                                "line2": null,
                                "city": null,
                                "state_code": null,
                                "postal_code": null
                            }
                        },
                        "employee": {
                            "name": "EMPLOYEE NAME",
                            "address": {
                                "line1": null,
                                "line2": null,
                                "city": null,
                                "state_code": null,
                                "postal_code": null
                            },
                            "marital_status": "NOT LISTED",
                            "taxpayer_id": {
                                "id_type": "SSN",
                                "last_4_digits": "1234"
                            }
                        },
                        "employment_details": {
                            "hire_date": null,
                            "annual_salary": {
                                "amount": null,
                                "currency": null
                            },
                            "pay_basis": null,
                            "hourly_rate": {
                                "amount": null,
                                "currency": null
                            }
                        },
                        "paystub_details": {
                            "pay_period_start_date": "2018-02-07",
                            "pay_period_end_date": "2018-02-13",
                            "pay_date": "2018-02-14",
                            "paystub_provider": null,
                            "pay_frequency": "WEEKLY",
                            "pay_frequency_captured": "NOT LISTED"
                        },
                        "net_pay": {
                            "distribution_details": [],
                            "totals": {
                                "description": "NET PAY",
                                "canonical_description": null,
                                "current_pay": {
                                    "amount": "590.70",
                                    "currency": "USD"
                                },
                                "ytd_pay": {
                                    "amount": "4134.90",
                                    "currency": "USD"
                                }
                            }
                        },
                        "earnings": {
                            "subtotals": [
                                {
                                    "description": "GROSS  EARNING",
                                    "canonical_description": null,
                                    "current_pay": {
                                        "amount": "800.00",
                                        "currency": "USD"
                                    },
                                    "ytd_pay": {
                                        "amount": null,
                                        "currency": null
                                    },
                                    "current_hours": "40.00",
                                    "current_rate": "20.00"
                                }
                            ],
                            "totals": [
                                {
                                    "description": "INCOME",
                                    "canonical_description": null,
                                    "current_pay": {
                                        "amount": "800.00",
                                        "currency": "USD"
                                    },
                                    "ytd_pay": {
                                        "amount": "5600.00",
                                        "currency": "USD"
                                    },
                                    "current_hours": null
                                }
                            ]
                        },
                        "deductions": {
                            "subtotals": [
                                {
                                    "description": "STATE  TAX",
                                    "canonical_description": "STATE TAX",
                                    "current_pay": {
                                        "amount": "40.00",
                                        "currency": "USD"
                                    },
                                    "ytd_pay": {
                                        "amount": "280.00",
                                        "currency": "USD"
                                    }
                                },
                                {
                                    "description": "FEDERAL  TAX",
                                    "canonical_description": "FEDERAL WITHHOLDINGS",
                                    "current_pay": {
                                        "amount": "108.10",
                                        "currency": "USD"
                                    },
                                    "ytd_pay": {
                                        "amount": "756.70",
                                        "currency": "USD"
                                    }
                                },
                                {
                                    "description": "FICA  SOCIAL  SECURITY",
                                    "canonical_description": "SOCIAL SECURITY EMPLOYEE TAX",
                                    "current_pay": {
                                        "amount": "49.60",
                                        "currency": "USD"
                                    },
                                    "ytd_pay": {
                                        "amount": "347.20",
                                        "currency": "USD"
                                    }
                                },
                                {
                                    "description": "FICA-MEDICARE",
                                    "canonical_description": "EMPLOYEE MEDICARE",
                                    "current_pay": {
                                        "amount": "11.60",
                                        "currency": "USD"
                                    },
                                    "ytd_pay": {
                                        "amount": "81.20",
                                        "currency": "USD"
                                    }
                                }
                            ],
                            "totals": [
                                {
                                    "description": "DEDUCTIONS",
                                    "canonical_description": null,
                                    "current_pay": {
                                        "amount": "209.30",
                                        "currency": "USD"
                                    },
                                    "ytd_pay": {
                                        "amount": "1465.10",
                                        "currency": "USD"
                                    }
                                }
                            ]
                        },
                        "status": "COMPLETED",
                        "rejection_reason": null
                    }
                }
            }
        ]
    }
}

Use forms webhooks to be notified when a user submits or removes an uploaded document or third party OCR has completed.

Use the onDocumentsSubmitted callback to trigger additional actions when a document has been uploaded.

Third party OCR


Users can manually upload documents through Argyle Link. These uploaded documents will be available to view and download in Console or via the API. Optionally, third party OCR processing can be used for uploaded documents, and the resulting data can be integrated with Argyle.

third party ocr processthird party ocr process

Argyle recommends creating dedicated API keys to solely be used with Argyle when integrating a third party OCR provider for directly uploaded documents. Follow your provider’s instructions for generating a dedicated API key and secret.

Argyle stores encrypted API credentials with Google KMS. Read more about how Argyle handles security and compliance here.

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To enable third party OCR for uploaded documents, visit the Integrations tab under Developers in Argyle Console, or reach out to your Customer Success Manager, Account Executive, or [email protected].

Processing errors - third party OCR

If an error occurs during OCR processing for a user-uploaded document, the relevant error will be shown within the ocr_data object in the document’s metadata.

  • type_mismatch - The document type the user selected while uploading does not match the uploaded document type. Example: the user selected W-2, but uploaded a 1099 document instead.
  • unrecognized_document_type - The user uploaded a document type that cannot be recognized as any of the currently supported document types (W-2, 1099, or paystub). For example, a 1095 form would be considered unrecognized.
  • unsupported_document_subtype - The user uploaded a specific, currently unsupported subtype of a document type that is otherwise supported. For example, while the most common 1099 documents are supported, 1099-DIV document subtype is not currently supported.

Authentication errors - third party OCR

If your third party account authentication fails (for example, due to an invalid API key) and document processing cannot start, Argyle will reach out to you. Once the issue is resolved, the pending documents can be reprocessed.


Next steps

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For more details, reach out to your Customer Success Manager, Account Executive, or the Support team.