Overview
Adding Argyle to your Point of Sale (POS) system lets borrowers connect their payroll accounts by simply providing their login credentials. Argyle then retrieves the borrowers’ payroll data and documents, standardizes the data into 160+ unique fields, and makes the data and documents available through Argyle’s data platform. Every paystub and payroll platform is distinct, and locating documents can often take borrowers weeks if not months to find. Argyle’s real-time data sourced directly from borrowers’ payroll accounts saves you time and effort in:- Pre-qualifying borrowers with up-to-date income information.
- Streamlining the application process, unlocking the ability to pre-populate your forms to minimize input error and speed up the conversion process.
- Post-application verification, allowing you to confirm income and employment information the borrower has submitted, and re-verify borrower information when necessary.
- Upgrading your LOS system, letting your loan processors retrieve data and documents quickly and easily.
Adding Argyle to your POS
Retrieving data and documents
Payroll data and documents can be accessed through either:- The Argyle API
code - Console
no-code
Verification reports
Using real-time payroll data, you can generate the following verification reports using Console or the API:- Verification of Income and Employment (VOIE) reports — (Example PDF)
- Verification of Employment (VOE) reports — (Example PDF)
Checking connection status
If a borrower’s payroll account becomes disconnected, simply have the borrower return to Link and it’s a one-click process to Reconnect the account. Payroll connection statuses are displayed at the top of the borrower’s profile page in Console. You can also retrieve an account’sconnection.status value using Argyle’s API.
Update notifications
If a borrower’s income or employment data changes, or new documents are uploaded to their payroll account, you can choose to receive notifications to be updated in real-time. Argyle uses webhooks to deliver these notifications, which can be subscribed to and received through either:- The Argyle API
code - Console
no-code
users.fully_synced— Notifies you when Argyle has finished retrieving data and documents for all accounts connected by a borrower.paystubs.added— Notifies you when a new paystub has been added to the borrower’s payroll account, and the data and file are available.paystubs.partially_synced— Can be configured with “days synced” specified to notify you when pay data is available going back a specified number of days.identities.updated— Notifies you if there is a change to the borrower’s identity information, such as a new employment status.
Essential data fields
| Data fields | Type | Console Location | API Location |
|---|---|---|---|
| (PDF) Income & Employment Verification (VOIE) Report Income totals: gross, base, overtime, commission, bonus, net, taxes | Summary information | Reports | Reports |
| (PDF) Employment Verification (VOE) Report | Summary information | Reports | Reports |
| Time account was last updated | Account information | Header | Accounts |
| First name, last name, SSN, birth date, address, marital status | Profile information | Identities | Identities |
| Employer, employment status, job title, hire date, termination date | Employment information | Identities | Identities |
| Employer address | Employment information | Paystubs | Paystubs |
| Last payout date (from the most recent paystub) | Income information | Paystubs | Paystubs |
| (Retrieved files and data) — W-2s, 1099s, paystubs, proof of identity, proof of address, and miscellaneous documents | Document information | Paystubs + Payroll Documents | Paystubs + Payroll Documents |
| (Uploaded files and Ocrolus OCR data) — W-2s, 1099s, paystubs, proof of identity, proof of address, and miscellaneous documents | Document information | Uploaded Documents | User Uploads |