> ## 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.

# Point of Sale Systems

> Connect borrowers through Argyle to unlock income and employment data and documents.

![Point of Sale (POS) systems can be integrated easily with Argyle.](https://res.cloudinary.com/argyle-media/image/upload/f_auto/v1669820768/docs-2022/References/Partner%20with%20Argyle/Point%20of%20Sale%20Systems/POS_systems)

## 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](/legacy/guides/getting-started/sample-apps/application-autofill) 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](/legacy/api-reference/loan-origination-systems)**, letting your loan processors retrieve data and documents quickly and easily

Get started with our implementation guide below.

## Add Argyle to your POS

![During onboarding, your customers can connect their payroll accounts through Argyle Link.](https://res.cloudinary.com/argyle-media/image/upload/f_auto/v1669820745/docs-2022/References/Partner%20with%20Argyle/Point%20of%20Sale%20Systems/Mortgage_connection_flow)

Argyle can be [embedded](/legacy/guides/argyle-link/embed/web) 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](/legacy/guides/argyle-link/flows/document-processing#uploaded-documents), 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](https://argyle.com/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](/legacy/guides/getting-started/sandbox-mode/overview).

## Return to POS after connection

Once a borrower has successfully connected their payroll accounts through Argyle, our [callback functions](/legacy/api-reference/callbacks) 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](/legacy/api-reference/introduction) `code`
* [Argyle Console](/legacy/guides/argyle-console/faq#how-to-view-employment-data) `no-code`

You can also integrate Argyle into your Loan Origination System (LOS). Visit our [LOS implementation guide](/legacy/api-reference/loan-origination-systems) to learn more.

## 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](/legacy/api-reference/reports) can be generated depending on your needs and where you are in the lending process.

* [Sample Verification of Income and Employment (VOIE) report](https://res.cloudinary.com/argyle-media/image/upload/v1676576744/docs-2022/References/Employment%20Data/Reports/Landing%20Page/example_VOIE.pdf)
* [Sample Verification of Employment (VOE) report](https://res.cloudinary.com/argyle-media/image/upload/v1676576750/docs-2022/References/Employment%20Data/Reports/Landing%20Page/example_VOE.pdf)

## 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](/legacy/api-reference/accounts#object-status) can also be retrieved using Argyle's API.

If a borrower's payroll account has become disconnected, they can be [deep-linked](/legacy/guides/argyle-link/flows/deep-linking) directly to the disconnected account for re-connection, ensuring their information is up-to-date.

![Payroll accounts may timeout and need to be reconnected periodically to continue ongoing data access.](https://res.cloudinary.com/argyle-media/image/upload/f_auto/v1669820723/docs-2022/References/Partner%20with%20Argyle/Point%20of%20Sale%20Systems/Re_authentication_needed)

## 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](/legacy/api-reference/webhooks-overview) to deliver these notifications, which can be subscribed to and received through either:

* [The Argyle API](/legacy/api-reference/webhooks) `code`
* [Argyle Console](/legacy/guides/argyle-console/faq#where-to-manage-webhooks) `no-code`

We recommend subscribing to the following webhooks:

* The [`users.fully_synced`](/legacy/api-reference/users-webhooks#fully-synced) webhook notifies you when Argyle has finished retrieving data and documents for all accounts connected by a borrower
* The [`payouts.added`](/legacy/api-reference/payouts-webhooks#added) webhook 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_synced`](/legacy/api-reference/payouts-webhooks#partially-synced) webhook can be configured with “days synced” specified to notify you when payout data is available going back a specified number of days
* [`employment.updated`](/legacy/api-reference/employments-webhooks#updated) notifies you if there is a change in the borrower's employment status

## Relevant data fields

| Data Fields                                                                                                          | Type                   | Console Location                           | API Location                                                                                                   |
| -------------------------------------------------------------------------------------------------------------------- | ---------------------- | ------------------------------------------ | -------------------------------------------------------------------------------------------------------------- |
| (PDF) Income & Employment Verification Report                                                                        | summary information    | Reports                                    | [Reports](/legacy/api-reference/reports)                                                                       |
| (PDF) Employment Verification Report                                                                                 | summary information    | Reports                                    | [Reports](/legacy/api-reference/reports)                                                                       |
| time account was last updated                                                                                        | account information    | Header                                     | [Accounts](/legacy/api-reference/accounts)                                                                     |
| first name, last name, SSN, birth date, address, martial status                                                      | profile information    | Profiles                                   | [Profiles](/legacy/api-reference/profiles)                                                                     |
| employer, employment status, job title, hire date, termination date                                                  | employment information | Employments                                | [Employments](/legacy/api-reference/employments)                                                               |
| employer address                                                                                                     | employment information | Payouts                                    | [Payouts](/legacy/api-reference/payouts)                                                                       |
| last payout date (for their most recent paystub)                                                                     | income information     | Payouts                                    | [Payouts](/legacy/api-reference/payouts)                                                                       |
| total yearly income including total gross pay, base pay, overtime pay, commission pay, bonus pay, net pay, and taxes | income information     | Income Totals                              | [Income totals](/legacy/api-reference/income-totals)                                                           |
| (File and data)W-2, 1099, and paystub documents from payroll accounts                                                | document information   | Payouts (paystubs)Documents (W-2 and 1099) | [Payouts](/legacy/api-reference/payouts) (paystubs)[Documents](/legacy/api-reference/documents) (W-2 and 1099) |
| (File and third party OCR data)W-2, 1099, and paystub documents uploaded by the applicant                            | document information   | Uploaded documents                         | [Forms](/legacy/api-reference/forms)                                                                           |
