Overview
When you add Argyle to your Point of Sale (POS) system, borrowers can connect their payroll accounts by providing their login credentials. Argyle retrieves the borrowers’ income and employment data and documents, which are standardized into 160+ data fields and made available through Argyle’s data platform. With every payroll system being unique, and documents often taking borrowers weeks to find, Argyle saves time and can help 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
Add Argyle to your POS
Argyle can be embedded directly into your POS system, so borrowers can connect their payroll accounts all from within your website or application.
You can customize the appearance of the connection screens, add additional features such as document upload, view the status of each borrower, and even retrieve all data and documents using Argyle Console.
Argyle Console is a website available after sign-up that serves as your central hub. In addition to storing customizations and your list of connected borrowers, you can always preview sample data and test the connection process in Sandbox Mode.
Return to POS after connection
Once a borrower has successfully connected their payroll accounts through Argyle, our callback functions let you automate transitioning the borrower back to your POS system.Retrieving data and documents
Once a borrower’s data and documents have been retrieved, they can be accessed entirely through either:- The Argyle API
code - Argyle Console
no-code
Re-verification of borrowers
You can re-verify a borrower’s income or employment status at any time using Argyle. Additionally, Verification of Income and Employment (VOIE) and Verification of Employment (VOE) reports can be generated depending on your needs and where you are in the lending process.- Sample Verification of Income and Employment (VOIE) report
- Sample Verification of Employment (VOE) report
Checking connection status
The status of a borrower’s connected payroll accounts is shown at the top of the borrower’s profile page in Argyle Console. The account object’s connection status can also be retrieved using Argyle’s API. If a borrower’s payroll account has become disconnected, they can be deep-linked directly to the disconnected account for re-connection, ensuring their information is up-to-date.
Notifications for changes
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 - Argyle Console
no-code
- The
users.fully_syncedwebhook notifies you when Argyle has finished retrieving data and documents for all accounts connected by a borrower - The
payouts.addedwebhook notifies you when a new paystub has been added to the borrower’s payroll account, and the data and file are available - The
payouts.partially_syncedwebhook can be configured with “days synced” specified to notify you when payout data is available going back a specified number of days employment.updatednotifies you if there is a change in the borrower’s employment status