# AI Tools
Source: https://docs.argyle.com/api-guide/ai-tools

Use Argyle's machine-readable docs and API resources with AI coding tools.

## What to provide an AI coding tool

AI coding tools do not need to be trained on Argyle. Give them current Argyle context instead: start with `llms.txt`, use the OpenAPI specification for endpoint and schema details, and connect the MCP server when your tool supports MCP.

## Resources

* [llms.txt](https://docs.argyle.com/llms.txt) — Use Argyle's LLM-friendly docs index to find relevant guide, API reference, and OpenAPI pages.
* [OpenAPI specification](https://docs.argyle.com/openAPI/argyle-all.yaml) — Use the consolidated Argyle API spec for generated clients, schema-aware API calls, and endpoint references.
* [Argyle Docs MCP server](https://docs.argyle.com/mcp) — Connect this in MCP-capable tools so the assistant can search and read Argyle docs directly.

## Common ways to use these resources

* In AI coding tools such as Claude Code, Codex, Cursor, and VS Code, add the MCP server if the tool supports remote MCP servers.
* If the tool cannot connect to MCP or does not automatically discover Argyle docs, give it the `llms.txt` link first and ask it to follow the linked Markdown docs for the specific feature.
* For API implementation work, include the OpenAPI specification so the tool can use current endpoint and schema definitions.

## Safety

Keep API keys, secrets, customer data, and user data out of AI prompts unless your organization has approved that workflow.


# Overview
Source: https://docs.argyle.com/api-guide/overview

Learn how to use the Argyle API.

The Argyle API uses HTTPS, HTTP basic authentication, REST-style resources, and JSON request and response bodies.

Start with the [API Reference overview](/api-reference/overview) to choose the endpoint family for your implementation.

## API keys

Create separate Sandbox and Production API keys in [Console](https://console.argyle.com/api-keys).

The API key secret is shown only when the key is created and is partially obscured afterward. Copy it immediately and store it securely.

## Authentication

Use HTTP basic authentication on every request:

* Username: `api_key_id`
* Password: `api_key_secret`

```bash theme={}
curl https://api-sandbox.argyle.com/v2/accounts \
  -u api_key_id:api_key_secret
```

API keys must match the requested environment. Sandbox keys used against Production, or Production keys used against Sandbox, return `401 Unauthorized`.

## Environments

| Environment | Purpose                                    | Base URL                            |
| ----------- | ------------------------------------------ | ----------------------------------- |
| Sandbox     | Test sample users and simulated workflows. | `https://api-sandbox.argyle.com/v2` |
| Production  | Process real user connections and data.    | `https://api.argyle.com/v2`         |

Both Link and the API support Sandbox and Production. Most endpoints are available in both environments. Billing resources such as receipts are Production-only.

See [Sandbox Testing](/overview/sandbox-testing) for sample users, refresh simulation, data updates, and error scenarios.

## Data readiness

Connected-account data arrives and updates in stages. Do not treat account creation as confirmation that every historical resource is available.

Follow [Data Delivery and Readiness](/overview/data-delivery) for account and resource webhooks. Verification implementations should use [verification status](/verifications/verification-statuses) instead.

## Compatibility

Implementations must tolerate new optional fields, response fields, enum values, and webhook events.

Breaking changes include:

* Changing authentication or authorization requirements.
* Removing or renaming an endpoint or webhook.
* Removing or renaming a required request parameter.
* Adding a required request parameter.
* Removing or renaming a response field.
* Changing a field, request parameter, or query parameter type.

Non-breaking changes include:

* Adding an endpoint or webhook.
* Adding an optional request parameter or response field.
* Returning new response or enum values.
* Changing an error message.
* Correcting an HTTP status code that was previously wrong.

Subscribe to the [Changelog](https://changelog.argyle.com/) for API changes.

## Security

* Call the Argyle API only from server-side applications.
* Never include API keys in browser or mobile application code.
* Store secrets outside source control.
* Use separate keys for separate backend systems and environments.
* Delete unused keys.

See [Data Security](/overview/data-security) for broader implementation guidance.

## Status codes

| Status                      | Meaning                                                 |
| --------------------------- | ------------------------------------------------------- |
| `200 OK`                    | Request succeeded.                                      |
| `201 Created`               | Request succeeded and created a resource.               |
| `204 No Content`            | Request succeeded without a response body.              |
| `400 Bad Request`           | Request or field validation failed.                     |
| `401 Unauthorized`          | Authentication credentials are missing or invalid.      |
| `402 Request Failed`        | Request was valid but could not be processed.           |
| `403 Forbidden`             | API key lacks the required permission.                  |
| `404 Not Found`             | Resource does not exist or is not available to the key. |
| `409 Conflict`              | Request conflicts with the current resource state.      |
| `429 Too Many Requests`     | Request rate exceeded the limit.                        |
| `500`, `502`, `503`, `504`  | Argyle server error.                                    |
| `520 External Server Error` | An upstream platform returned an error.                 |

## Error responses

General request errors return a `detail` value:

```json theme={}
{
  "detail": "Authentication credentials were not provided."
}
```

Field validation errors return the affected fields:

```json theme={}
{
  "name": ["This field may not be blank."],
  "url": ["Enter a valid URL."]
}
```

## Null and empty values

Responses can contain partial records.

* A field can be `null` when the source does not support it or has no value for the user.
* An array can be empty: `[]`.
* An object can be empty: `{}`.
* An object can contain properties whose values are all `null`.

Do not assume a field is present only because its Item reports that field as supported.

## Pagination

List endpoints return paginated responses. The default `limit` is 10 and the maximum is 200.

```json theme={}
{
  "next": "https://api-sandbox.argyle.com/v2/users?cursor=NEXT_CURSOR",
  "previous": null,
  "results": [
    {
      "id": "018051aa-f7a9-a0db-2f38-6cfa325e9d69"
    }
  ]
}
```

Follow the complete URL returned in `next` or `previous`. Do not construct cursor values or request pages in parallel.

## Rate limiting

The API allows 50 requests per second. Requests above the limit return `429 Too Many Requests`.

Queue rate-limited requests and retry them after reducing request volume. Avoid immediate retry loops.

## Concurrency and caching

Limit simultaneous requests when retrieving large result sets. This reduces duplicate work and rate limiting.

The Argyle API does not use HTTP caching. If your application caches API responses, manage cache freshness within your own systems.

## System status

Operational status and incidents are published at [status.argyle.com](https://status.argyle.com/).

| Endpoint                                           | Result                            |
| -------------------------------------------------- | --------------------------------- |
| `https://status.argyle.com/api/v2/status.json`     | System-wide status.               |
| `https://status.argyle.com/api/v2/components.json` | Status by product and channel.    |
| `https://status.argyle.com/api/v2/summary.json`    | System-wide and component status. |
| `https://status.argyle.com/api/v2/incidents.json`  | Incident history and updates.     |


# Postman
Source: https://docs.argyle.com/api-guide/postman

The quickest way to test the Argyle API.

Copy our public Postman collection to get started testing each endpoint:

<a href="https://god.gw.postman.com/run-collection/24800167-234f2ed5-ac66-4265-8afe-cd2119292380?action=collection%2Ffork&collection-url=entityId%3D24800167-234f2ed5-ac66-4265-8afe-cd2119292380%26entityType%3Dcollection%26workspaceId%3Da4918323-bf08-413d-b8d4-c8b7b7f39924">
  <img />
</a>

## How to copy the collection

1. Click the button above.
2. Create or retrieve your Argyle API keys [from Console](https://console.argyle.com/api-keys).
3. Replace the username field on Postman's authorization page with your `Sandbox API Key ID`.
4. Replace the password field on Postman's authorization page with your `Sandbox API key SECRET`.

<Frame>
  <img alt="Add your API keys on Postman's Authorization tab." />
</Frame>

## Setting environment variables

We recommend creating a Sandbox and Production environment via Postman's sidebar, where you can store `{{variable values}}` such as your [API keys](/api-guide/overview#authentication) or [base URLs](/api-guide/overview#environments). This lets you quickly switch between Sandbox and Production when making API calls using the dropdown in the upper right.

<Frame>
  <img alt="Save environment variables in Postman to quickly switch between using the Sandbox and Production API's." />
</Frame>

Argyle provides two environments:

| Environment | Purpose          | Base URL                            |
| ----------- | ---------------- | ----------------------------------- |
| Sandbox     | Testing          | `https://api-sandbox.argyle.com/v2` |
| Production  | Real connections | `https://api.argyle.com/v2`         |

## Documentation in Postman

Clicking on the **Documentation** icon in the upper-right corner will display additional details for each endpoint.

<Frame>
  <img alt="Image showing how to open Documentation within Postman for the Argyle API collection." />
</Frame>

[API Reference](/api-reference/overview)


# Webhooks
Source: https://docs.argyle.com/api-guide/webhooks

Receive backend notifications when verification, account, and resource state changes.

Webhooks notify your backend when an event occurs. Use them to track asynchronous processing instead of repeatedly polling list or retrieve endpoints.

Webhook subscriptions apply to every matching event available to the API key. They are not scoped to one user or account.

## Choose events

* For verification lifecycles, subscribe to the [`verifications.updated`](/api-reference/verifications-webhooks/updated) webhook and the [`verifications.creation_failed`](/api-reference/verifications-webhooks/creation-failed) webhook.
* For Data API workflows, subscribe to the account and data webhooks that indicate when the records your application needs are available.
* For Item health changes, subscribe to [Item webhooks](/api-reference/items-webhooks/updated) explicitly.

See the [Webhooks area in API Reference](/api-reference/users-webhooks/fully-synced) for available event pages.

## Create a subscription

Create subscriptions in [Console](/console/management/webhooks) or with [`POST /v2/webhooks`](/api-reference/webhooks/create-a-webhook).

```json theme={}
{
  "events": [
    "verifications.updated"
  ],
  "name": "verification-status",
  "url": "https://your-webhook-backend.com/argyle",
  "secret": "optional-secret",
  "config": {
    "include_resource": true
  }
}
```

| Field                     | Use                                                                         |
| ------------------------- | --------------------------------------------------------------------------- |
| `events`                  | Event names included in the subscription.                                   |
| `name`                    | Your internal name for the subscription.                                    |
| `url`                     | HTTPS backend URL that receives deliveries. Send the normal, unencoded URL. |
| `secret`                  | Optional value used to sign deliveries.                                     |
| `config.include_resource` | Includes the current resource in supported webhook payloads.                |

`"*"` subscribes to most current events, with important exceptions:

* Item webhooks are not included.
* Partial-synchronization events cannot define their history window through the wildcard subscription.
* Events that support `include_resource` must be subscribed to individually when you need the resource object.

## Receive deliveries

Return an HTTP `200` response within 10 seconds after accepting a webhook.

Argyle sends webhooks from these static IP addresses:

* `34.27.251.226`
* `34.122.50.253`
* `35.188.163.115`
* `35.226.53.251`

## Verify signatures

When a subscription has a `secret`, deliveries include `X-Argyle-Signature`.

1. Read the raw request body without parsing or reformatting it.
2. Create an HMAC-SHA512 digest using the subscription secret.
3. Compare the hexadecimal digest with `X-Argyle-Signature` using a timing-safe comparison.

```js theme={}
const crypto = require('crypto')

function isValidArgyleWebhook(rawBody, receivedSignature, secret) {
  const expected = crypto
    .createHmac('sha512', secret)
    .update(rawBody)
    .digest('hex')

  const received = Buffer.from(receivedSignature, 'hex')
  const calculated = Buffer.from(expected, 'hex')

  return received.length === calculated.length &&
    crypto.timingSafeEqual(received, calculated)
}
```

## Retry behavior

If a successful `200` response is not received within 10 seconds, the delivery is retried once after 30 seconds for these response codes:

* `429`
* `500`
* `502`
* `503`
* `504`

Argyle does not log webhook request bodies.

Build idempotent handlers because a delivery can be received more than once.

## Manage subscriptions

* [List subscriptions](/api-reference/webhooks/list-all-webhooks)
* [Retrieve a subscription](/api-reference/webhooks/retrieve-a-webhook)
* [Delete a subscription](/api-reference/webhooks/delete-a-webhook)

The subscription object's `last_sent_at` field can help determine whether Argyle attempted a delivery.

<Note>
  Webhooks are lifecycle notifications, not an analytics event stream. Use Console or your own application telemetry for conversion analysis.
</Note>


# Account Connection Errors
Source: https://docs.argyle.com/api-reference/account-connection-errors

Common causes and troubleshooting.

## Overview

Account connection errors occur when a user is actively attempting to connect a payroll account through Link.

To monitor for account connection errors:

1. Subscribe to the [`accounts.failed`](/api-reference/accounts-webhooks/failed) webhook.

2. Subscribe to the [`accounts.updated`](/api-reference/accounts-webhooks/updated) webhook and use the optional `config` parameter to receive an account object in the webhook's delivery payload.

3. When you receive the `accounts.failed` webhook or are encountering account connection issues, check the account object in payload of the `accounts.updated` webhook. If the `status` value of the `connection` object is `error`, proceed to the troubleshooting steps below.

   <Info>The `accounts.updated` webhook is always sent when the `accounts.failed` webhook is sent.</Info>

## Account connection errors

<div />

### `account_disabled`

<Tabs>
  <Tab title="Common causes">
    An account may be disabled or taken offline for a variety of reasons, such as account inactivity.
  </Tab>

  <Tab title="User message">
    Your employment account appears to be disabled. Please make sure your account is active in the \[Company name] system and try again.
  </Tab>

  <Tab title="API message">
    This user's employment account appears to be suspended or disabled.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to contact their payroll provider for further clarification.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `account_inaccessible`

<Tabs>
  <Tab title="Common causes">
    The users's payroll account could not be connected. This may happen if the account is inactive, onboarding is not complete, or the Terms of Service have not been accepted.
  </Tab>

  <Tab title="User message">
    Your account setup isn't finished. Log in to \[Company name], accept the terms of service, and complete your onboarding, then return here.
  </Tab>

  <Tab title="API message">
    This user's account is not currently accessible. Our team has been notified and is investigating.
  </Tab>

  <Tab title="Troubleshooting">
    Ask the user to:

    1. Log in directly to their payroll account.
    2. Ensure their account is active, onboarding is fully complete, and all Terms of Service are accepted.
    3. Once everything is up to date, ask the user to try again.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `account_incomplete`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The user has not finished setting up an account within their payroll system.
  </Tab>

  <Tab title="User message">
    Your \[Company name] account isn't active. Log in to \[Company name] and finish setting up your account, then return here.
  </Tab>

  <Tab title="API message">
    This user's employment account is not yet active.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to complete the onboarding or account set-up process in their payroll system, or contact their payroll provider for additional help.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `account_nonunique`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The personal details provided by the user during the Login help process of certain Items was a match for multiple account records stored by the payroll platform, resulting in an error.
  </Tab>

  <Tab title="User message">
    The information you provided is not unique, and multiple matching records were found. For assistance, please contact your employer's HR or Payroll department.
  </Tab>

  <Tab title="API message">
    The information provided by the user is not unique. Multiple records match their details. They should contact their employer's HR or Payroll department for assistance.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to double-check what personal details they currently or originally used to log in directly to the payroll platform, or contact their employer's HR or Payroll department for assistance.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `account_not_found`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The personal details provided by the user during the Login help process of certain Items did not match an account record stored by the payroll platform.
  </Tab>

  <Tab title="User message">
    No matching record found. Please review your entries and try again.
  </Tab>

  <Tab title="API message">
    The user did not provide correct personal details to verify their identity and locate their record.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to double-check what personal details they currently or originally used to log in directly to the payroll platform.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `all_employers_connected`

<Tabs>
  <Tab title="Common causes">
    The user has already connected all accounts associated with the recovery details (name, phone number, and/or email) they provided during the **Login help** process of certain Items.
  </Tab>

  <Tab title="User message">
    All your \[Company name] employers are connected. Check your details or select another employer or payroll provider.
  </Tab>

  <Tab title="API message">
    The user attempted to connect an account that is already connected.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to double-check what personal details they currently or originally used to log in directly to the payroll platform for the intended employer.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `auth_method_temporarily_unavailable`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The selected connection method is currently unavailable.
  </Tab>

  <Tab title="User message">
    We can't complete the connection using this method right now. Try logging in with an alternative method.
  </Tab>

  <Tab title="API message">
    The authentication method the user selected is temporarily unavailable.
  </Tab>

  <Tab title="Troubleshooting">
    Users will be directed to an alternative login option to establish a connection. If they are still unable to connect, advise them to wait and retry later to see if the original method has become available.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `auth_required`

<Tabs>
  <Tab title="Common causes">
    An account has become disconnected and needs to be [re-authenticated](/workflows/reconnecting-accounts).
  </Tab>

  <Tab title="User message">
    Please reconnect your \[Company name] account to continue sharing data with \[Your company name].
  </Tab>

  <Tab title="API message">
    This user's connection has expired and requires re-authentication.
  </Tab>

  <Tab title="Troubleshooting">
    Follow the steps in our [Reconnecting Accounts Guide](/workflows/reconnecting-accounts) to allow the user to return to Link and reconnect their disconnected account.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `connection_unavailable`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    A new connection attempt was unsuccessful because the account was unavailable.
  </Tab>

  <Tab title="User message">
    This service is currently experiencing connectivity issues. Please try again or use another connection method.
  </Tab>

  <Tab title="API message">
    The platform this user is attempting to connect to is currently unavailable. See the Coverage page in Argyle Console for additional information.
  </Tab>

  <Tab title="Troubleshooting">
    Find which Item was unavailable in Link by filtering the [Connections](https://console.argyle.com/connections) section of Console by **Attempted** status. Search for and select the Item within the [Coverage](https://console.argyle.com/coverage) section of Console to read more about issues the underlying platform is experiencing. The API's [`/items`](/api-reference/items) endpoint also provides information on when issues occur, and when they are expected to be resolved.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `credentials_managed_by_organization`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The credentials provided by the user during the **Login help** process of certain Items could not be adjusted in a self-service way because their credentials are centrally managed by their organization's IT department for security reasons.
  </Tab>

  <Tab title="User message">
    Only your IT administrator can reset your password. Ask them to reset it, then log in with your new password.
  </Tab>

  <Tab title="API message">
    The user's credentials are managed by their organization.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to reach out to their organization's IT department for help recovering their user ID or resetting their password.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `existing_account_found`

<Tabs>
  <Tab title="Common causes">
    The user attempted to connect an already-connected account during the **Login help** process of certain Items.
  </Tab>

  <Tab title="User message">
    This account is already connected. Check your details or select another employer or payroll provider.
  </Tab>

  <Tab title="API message">
    The user attempted to connect an account that is already connected.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to double-check what personal details they currently or originally used to log in directly to the payroll platform for the intended employer.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `expired_credentials`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    Some payroll platforms require users to periodically update their login credentials.
  </Tab>

  <Tab title="User message">
    Your login credentials have expired. Please reset the password for your \[Company name] account and try again.
  </Tab>

  <Tab title="API message">
    This user provided credentials which are out of date so a password reset is required.
  </Tab>

  <Tab title="Troubleshooting">
    Follow the steps in the [expired credentials](/workflows/reconnecting-accounts#expired-credentials) section of our Reconnecting Accounts Guide, or ask the user to visit their payroll system directly to change their login credentials.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `full_auth_required`

<Tabs>
  <Tab title="Common causes">
    This error is manually set by Argyle after investigating a previous error.
  </Tab>

  <Tab title="User message">
    We were unable to connect your \[Company name] account. Please try to connect again.
  </Tab>

  <Tab title="API message">
    This user's connection has expired and requires re-authentication.
  </Tab>

  <Tab title="Troubleshooting">
    Follow the steps in our [Reconnecting Accounts Guide](/workflows/reconnecting-accounts) to allow the user to return to Link and reconnect their disconnected account. The user will need to re-enter their login credentials.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `insufficient_account_data`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The user's employment account has paystubs and tax documents available but lacks essential profile information (e.g., name, employment status) needed for a full verification.
  </Tab>

  <Tab title="User message">
    Your employment account doesn't have the necessary data to proceed. Please try connecting a different account.
  </Tab>

  <Tab title="API message">
    This user's employment account does not contain sufficient data to proceed. The user should be prompted to connect an alternative account.
  </Tab>

  <Tab title="Troubleshooting">
    If the account is missing critical data that you need, prompt the user to connect a different employment account that may have the necessary information.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `invalid_account_type`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The user may have entered login credentials for the employer or payroll provider that are not related to their payroll credentials.
  </Tab>

  <Tab title="User message">
    This is an unsupported account type (e.g. a rider account instead of a driver account). Please log in with credentials for your employment-related account with \[Company name].
  </Tab>

  <Tab title="API message">
    This user provided credentials for the wrong account type (e.g., a passenger account rather than a driver account, or an admin account rather than an employee account).
  </Tab>

  <Tab title="Troubleshooting">
    Confirm that the user entered their correct payroll login credentials. If so, ask them if they are able to log in to their payroll system directly.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `invalid_auth`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The user entered invalid login credentials to their payroll system, or was unable to successfully complete its multi-factor authentication (MFA) process.
  </Tab>

  <Tab title="User message">
    Check your credentials. If you recently changed your two-step verification method, make sure it's configured correctly in \[Company name].
  </Tab>

  <Tab title="API message">
    This user's account connection was unsuccessful due to invalid credentials or due to failed or misconfigured multi-factor authentication (MFA).
  </Tab>

  <Tab title="Troubleshooting">
    Check whether the user was presented with or had trouble completing an MFA process. If so, advise them to check their MFA settings directly in their payroll platform before trying again. If not, confirm that the user entered the correct login credentials by asking them or having them try logging in directly to the payroll platform.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `invalid_credentials`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The user may have entered login credentials for the employer or payroll provider that are not related to their payroll credentials.
  </Tab>

  <Tab title="User message">
    Invalid credentials. Try again or get help logging in.
  </Tab>

  <Tab title="API message">
    This user provided invalid credentials.
  </Tab>

  <Tab title="Troubleshooting">
    Confirm that the user entered their correct payroll login credentials. Ask the user if they are able to log in to their payroll system directly. If so, advise the user to change their password and try again.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `invalid_employer_identifier`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The user entered invalid login information related to the employer, such as an invalid company ID.
  </Tab>

  <Tab title="User message">
    Invalid Company details. Try again or get help logging in.
  </Tab>

  <Tab title="API message">
    This user provided invalid company/employer identifier.
  </Tab>

  <Tab title="Troubleshooting">
    Confirm that the user entered their correct payroll login credentials and employer-related identifier(s).
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `invalid_login_method`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    This platform currently supports login methods for this payroll account that are different than the one attempted by the user when trying to connect.
  </Tab>

  <Tab title="User message">
    Your Company ID cannot be used with selected login method. Please use a different login method.
  </Tab>

  <Tab title="API message">
    This user tried to log in using an authentication method that is not supported by employer.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to select a different available login method. Specific employers sometimes restrict logins to a default method or SSO, despite the payroll platform supporting additional login methods.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `invalid_login_url`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    Some payroll platforms will successfully authenticate users when they use valid login credentials but throw an error because the wrong employer or payroll provider was selected.
  </Tab>

  <Tab title="User message">
    You have successfully logged in, but no corresponding user could be found. Search for your employer or payroll provider.
  </Tab>

  <Tab title="API message">
    The user provided the correct login credentials, but no corresponding account was found. The user should try again by selecting the appropriate Link item for their employer or payroll provider.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to connect their account using a Link item that represents their specific employer or payroll provider.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `invalid_mfa`

<Tabs>
  <Tab title="Common causes">
    This user did not provide the correct multi-factor authentication (MFA) response that was requested by the platform.
  </Tab>

  <Tab title="User message">
    Multi-factor authentication was not successful. Please try again.
  </Tab>

  <Tab title="API message">
    This user did not provide the correct multi-factor authentication response.
  </Tab>

  <Tab title="Troubleshooting">
    Confirm the user received the MFA request. If so, see if the user encountered problems completing it. Advise them to check their MFA settings directly in their payroll platform to confirm which MFA method is configured. Lastly, see if the issue persists when the user logs in directly to their payroll account.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `invalid_store_identifier`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The user entered invalid login information related to their store or club, such as an invalid store number.
  </Tab>

  <Tab title="User message">
    Invalid Store/Club Number. Try again or get help logging in.
  </Tab>

  <Tab title="API message">
    This user provided invalid store/club number.
  </Tab>

  <Tab title="Troubleshooting">
    Confirm that the user entered their correct payroll login credentials and store-related identifier(s).
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `known_employer_redirect`

<Tabs>
  <Tab title="Common causes">
    The user was successfully redirected to their employer’s login screen after providing information that identified their employer.
  </Tab>

  <Tab title="User message">
    No error message. User was redirected to Link's login screen.
  </Tab>

  <Tab title="API message">
    This user was redirected to a specific employer login after starting with the generic flow because a known employer was identified.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to enter their credentials to complete the login process.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `login_attempts_exceeded`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The platform temporarily disabled login attempts for this payroll account due to entering invalid credentials too many times.
  </Tab>

  <Tab title="User message">
    Too many failed login attempts. Wait a few hours, or reset your password in \[Company name] to unlock now.
  </Tab>

  <Tab title="API message">
    This user provided invalid credentials too many times, causing them to be temporarily unable to attempt further logins.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to wait a few hours before attempting to connect their account again.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `login_cancelled_by_the_user`

<Tabs>
  <Tab title="Common causes">
    The user exited Link’s login screen before submitting credentials during a multi-step login flow used by certain Items.
  </Tab>

  <Tab title="User message">
    No error message. User moved to a different page or exited Link.
  </Tab>

  <Tab title="API message">
    The user canceled the login process during the credential entry step.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to re-attempt the connection and complete the login process.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `login_gov_not_linked`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The user's Login.gov single sign-on is not linked to the platform or employer they are trying to connect.
  </Tab>

  <Tab title="User message">
    Your Login.gov account is not linked to \[Company name]. Please log in to \[Company name], configure your Login.gov access, and try again.
  </Tab>

  <Tab title="API message">
    Account connection failed because the user's Login.gov SSO is not linked to this platform or employer.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to log in to the platform or employer directly, configure their Login.gov access, and retry the account connection.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `mfa_attempts_exceeded`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The platform permanently disabled login attempts for this payroll account due to entering an invalid MFA too many times. It only can be resolved by the user resetting MFA directly on the payroll system.
  </Tab>

  <Tab title="User message">
    Too many failed two-step verification attempts. Log in to \[Company name] and reset your 2FA in Security settings, then return here.
  </Tab>

  <Tab title="API message">
    This user failed multi-factor authentication too many times, causing them to be unable to attempt further logins until multi-factor authentication method is reset.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to reset their MFA method on the platform's website or app, and then re-attempt account connection.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `mfa_cancelled_by_the_user`

<Tabs>
  <Tab title="Common causes">
    The user exited the MFA screen during an account connection.
  </Tab>

  <Tab title="User message">
    No error message. Users return to the login screen after exiting the MFA screen.
  </Tab>

  <Tab title="API message">
    This user canceled the Multi-Factor Authentication (MFA) step.
  </Tab>

  <Tab title="Troubleshooting">
    The user may have exited the MFA process after entering an incorrect phone number or other typo error. Have the user retry the connection and ensure they are providing the correct MFA information for the account.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `mfa_exhausted`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The platform requires a full re-authentication for this payroll account due to unsuccessfully completing MFA multiple times.
  </Tab>

  <Tab title="User message">
    Your account is locked after too many failed two-step verification attempts. Log in to \[Company name] to unlock it, then return here.
  </Tab>

  <Tab title="API message">
    This user failed multi-factor authentication too many times, requiring them to re-authenticate.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to sign in directly to their payroll platform and unlock or reset their MFA method, then retry the connection.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `mfa_not_configured`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The payroll platform requires multi-factor authentication (MFA) to access payroll data.
  </Tab>

  <Tab title="User message">
    Two-step verification isn't set up on your \[Company name] account. Log in to \[Company name] and set up 2FA in Account settings, then return here.
  </Tab>

  <Tab title="API message">
    This user has not configured multi-factor authentication for their employment account, restricting access to the user's employment data.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to sign in directly to their payroll platform and configure an MFA method, then retry the connection.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `mfa_timeout`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The user did not complete MFA within the given time period.
  </Tab>

  <Tab title="User message">
    Your multi-factor authentication (MFA) session has expired. Please log in again to complete the MFA process.
  </Tab>

  <Tab title="API message">
    This user did not complete multi-factor authentication.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to retry and complete the MFA prompt in one session. If they do not receive the expected prompt or code, advise them to check which MFA method is configured in their payroll platform.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `multi_driver_account`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    This error occurs when a gig rideshare account is connected that has multiple drivers associated with it. Argyle only supports single-driver accounts due to data privacy.
  </Tab>

  <Tab title="User message">
    This account type is not supported because it contains information for multiple drivers.
  </Tab>

  <Tab title="API message">
    The user attempted to connect an unsupported account type - the account contains multiple driver information.
  </Tab>

  <Tab title="Troubleshooting">
    The user will need to connect a different account such as a personal account that is associated with only one driver.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `ongoing_refresh_disabled`

<Info>The [accounts.updated](/api-reference/accounts-webhooks/updated) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    Ongoing refresh was [manually disabled](/api-reference/accounts/disable-account-updates) via the API for this account.
  </Tab>

  <Tab title="User message">
    Please reconnect your \[Company name] account to continue sharing data with \[Your company name].
  </Tab>

  <Tab title="API message">
    Ongoing refresh was disabled for this account. To resume ongoing refresh the user needs to reconnect the account.
  </Tab>

  <Tab title="Troubleshooting">
    After ongoing refresh is disabled, the user will experience this account connection error if they return to the account in Link. Ongoing refresh will be re-enabled if the user selects **Reconnect**.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `passkey_limit_reached`

<Tabs>
  <Tab title="Common causes">
    The user has reached the maximum number of passkeys allowed on the platform.
  </Tab>

  <Tab title="User message">
    Your payroll account has the maximum number of passkeys. Remove a passkey you don't use in your account settings, then try again.
  </Tab>

  <Tab title="API message">
    The user's payroll account has reached the maximum number of registered passkeys. The user must remove at least one passkey and try again.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to remove a passkey then retry their account connection.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `personal_data_access_not_granted`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    Recently created accounts or accounts that have not been active for an extended period of time may be required to grant permission to access or share their personal data.
  </Tab>

  <Tab title="User message">
    Your employment account could not be connected. Please make sure you have granted \[Company name] permission to access your personal data.
  </Tab>

  <Tab title="API message">
    The user has not authorized access to their personal data.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to log in to their account directly to grant data access.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `physical_mfa_unsupported`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The user attempted to use a **physical** multi-factor authentication method that Argyle does not support.
  </Tab>

  <Tab title="User message">
    A physical security key isn't supported here. Log in to \[Company name], disable it, and set up a supported 2FA method, then return here.
  </Tab>

  <Tab title="API message">
    This user's employment account uses a physical multi-factor authentication method that Argyle does not currently support.
  </Tab>

  <Tab title="Troubleshooting">
    Ask the user to update their settings or switch to an alternative multi-factor authentication method and try again.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `platform_temporarily_unavailable`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The account's underlying payroll system is experiencing connection issues. New connections are temporarily unavailable.
  </Tab>

  <Tab title="User message">
    We're having trouble connecting right now. Please check back in a few hours and try again.
  </Tab>

  <Tab title="API message">
    The platform this user is attempting to connect to is temporarily unavailable.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to wait a few hours and then re-attempt to connect their account.

    When the platform once again becomes available, the account's error status will be switched from this error to the `full_auth_required` error. You can use this to automate when to [return the user to Link](/workflows/reconnecting-accounts) to re-attempt their account connection.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `platform_unavailable`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The underlying payroll system limits connections to business hours.
  </Tab>

  <Tab title="User message">
    \[Company name] system is currently unavailable. Please try again during the service hours (Eastern time): Monday - Friday 5AM - 1AM, Saturday 5AM - 11PM, Sunday 8AM - 11PM.
  </Tab>

  <Tab title="API message">
    The platform this user is attempting to connect to is currently unavailable. See the [Coverage](/workflows/reconnecting-accounts) page in Console for additional information.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to re-attempt the connection when normal service resumes: (Eastern time): Monday - Friday 5AM - 1AM, Saturday 5AM - 11PM, Sunday 8AM - 11PM.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `service_unavailable`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The payroll system may be offline due to planned maintenance or is experiencing service interruptions.
  </Tab>

  <Tab title="User message">
    \[Company name] system is currently unavailable. Please try again later.
  </Tab>

  <Tab title="API message">
    The platform this user is attempting to connect to is currently unavailable. See the Coverage page in Argyle Console for additional information.
  </Tab>

  <Tab title="Troubleshooting">
    Use Console's [Coverage](https://console.argyle.com/coverage) page or the [Items API endpoint](/api-reference/items) to view the Item's health status and any additional details. If there are underlying issues, advise the user that service will resume shortly and to await further updates. If there are no known issues, ask the user to re-attempt the account connection.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `session_limit_reached`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    Some platforms impose limits on the number of active sessions. If a user has reached this limit by being logged into the platform on another device or window, Argyle will not initiate a new connection to avoid disconnecting the user from their other active sessions.
  </Tab>

  <Tab title="User message">
    \[Company name] limits active connections. Sign out of the \[Company name] app, wait 10 minutes, then return here.
  </Tab>

  <Tab title="API message">
    This user's account connection was unsuccessful due to the platform's limit on active sessions.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to sign out from any other devices or sessions where the platform is currently active.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `system_error`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    An unexpected error occurred, such as an invalid session or unavailable service.
  </Tab>

  <Tab title="User message">
    We've encountered an unexpected error. Please try again later.
  </Tab>

  <Tab title="API message">
    Argyle encountered a problem connecting to this account. Our team has been notified and is investigating.
  </Tab>

  <Tab title="Troubleshooting">
    No action needed. We have automatically been notified and will investigate. Reach out to our customer support team for more information.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `temporary_credentials`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The user attempted to connect an account with a temporary password.
  </Tab>

  <Tab title="User message">
    You're using a temporary password. Please log in to \[Company name] directly to set a permanent password, then return here to connect.
  </Tab>

  <Tab title="API message">
    The user provided a temporary password. A permanent password must be set via the payroll provider's website before continuing.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to set a permanent password on their platform using the temporary password. Have the user try again once they are able to log in directly to the platform with their permanent password.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `tos_required`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The payroll system requires the user to accept the Terms of Service to allow access to the payroll account or its data.
  </Tab>

  <Tab title="User message">
    You need to accept \[Company name]'s updated terms before connecting. Log in to \[Company name] to accept them, then return here.
  </Tab>

  <Tab title="API message">
    This user has not accepted the Terms of Service presented by their payroll provider, preventing access to their employment account.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to log in directly to their payroll system and accept the Terms of Service, or reach out to their payroll provider for further clarification.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `trial_connections_exhausted`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    This account could not be connected because you've reached your limit for free account connections in Argyle's trial mode.
  </Tab>

  <Tab title="User message">
    Connection is currently unavailable. Please reach out to \[Company name] for help.
  </Tab>

  <Tab title="API message">
    This account could not be connected because you've reached your limit for free account connections in trial mode. Reach out to Argyle or visit Argyle Console to enable full access and connect unlimited accounts.
  </Tab>

  <Tab title="Troubleshooting">
    Contact us or visit Console to enable full access and connect unlimited accounts.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `trial_period_expired`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    This user's payroll account was a trial account on the payroll system's platform, and is currently disabled because the trial period has expired.
  </Tab>

  <Tab title="User message">
    Your employment account is a trial account that has expired. Please log in to \[Company name] system to reactivate your account and try again.
  </Tab>

  <Tab title="API message">
    This user's employment account is in a trial account, and is currently disabled because the trial period has expired.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to contact their payroll provider for further clarification.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `unrecognized_employer_email`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The user entered an email address during login with a domain address that is not associated with the selected employer.
  </Tab>

  <Tab title="User message">
    The email provided does not match the employer. Please use your work email associated with \[Company name] to log in.
  </Tab>

  <Tab title="API message">
    This user provided email that does not match the employer.
  </Tab>

  <Tab title="Troubleshooting">
    Confirm that the user entered an email address during login with a domain address associated with their selected employer. For example, Company A may require emails always ending in `@company-a.com`.

    Often the user may have entered their *personal* email by mistake.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `unsupported_auth_type`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    Argyle does not support the user's attempted single sign-on (SSO) method for this particular payroll system.
  </Tab>

  <Tab title="User message">
    Single sign-on (SSO) login method is not supported. Please use a different login method.
  </Tab>

  <Tab title="API message">
    This user tried to log in using single sign-on (e.g., Google, Facebook), which Argyle does not currently support.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to re-attempt the connection using text login credentials such as a username/password combination.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `unsupported_business_account`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The user submitted business account credentials instead of their personal credentials needed to access their payroll account.
  </Tab>

  <Tab title="User message">
    Please log in using a personal account, or search for another payroll provider if you have other sources of income.
  </Tab>

  <Tab title="API message">
    This user provided credentials for their business account.
  </Tab>

  <Tab title="Troubleshooting">
    Confirm that the user submitted their personal account credentials, and not their business account credentials.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `unsupported_language`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The user's payroll system contains data or documents that are in a language not currently supported by Argyle.
  </Tab>

  <Tab title="User message">
    Payroll provider's language is not currently supported.
  </Tab>

  <Tab title="API message">
    The user's account connection failed because the payroll provider's language is currently unsupported.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to switch their payroll system's language settings to English and then re-attempt account connection.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `unsupported_mfa_method`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The user's payroll system uses an MFA method that Argyle does not currently support.
  </Tab>

  <Tab title="User message">
    Your current two-step verification method isn't supported here. Log in to \[Company name], switch to a supported 2FA method in Security settings, then return here.
  </Tab>

  <Tab title="API message">
    This user's employment account uses a multi-factor authentication method that Argyle does not currently support.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to change or temporarily disable the MFA method.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>

### `user_action_timeout`

<Info>The [accounts.failed](/api-reference/accounts-webhooks/failed) webhook is sent when this error occurs.</Info>

<Tabs>
  <Tab title="Common causes">
    The user failed to select their current employer or create a new password within the given time period required to connect an account during the Login help process for certain Items.
  </Tab>

  <Tab title="User message">
    Your session has expired. Please try again.
  </Tab>

  <Tab title="API message">
    This user did not complete employer selection or new password creation.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to exit the connection process and start over.
  </Tab>
</Tabs>

<div>
  <Frame>
    <img alt="" />
  </Frame>
</div>


# Accounts
Source: https://docs.argyle.com/api-reference/accounts

Accounts are payroll connections made through Link.

## The account object


# Accounts.added webhook
Source: https://docs.argyle.com/api-reference/accounts-webhooks/added

openAPI/account-webhooks-added.yaml post /v2/webhooks
Sent when account connection events occur.

The `accounts.added` webhook is sent when a user submits login credentials through Link. A new account object is created after the login credentials have undergone authentication, regardless of whether the connection was successful (the `accounts.connected` webhook is sent) or unsuccessful (the `accounts.failed` webhook is sent).


# Accounts.connected webhook
Source: https://docs.argyle.com/api-reference/accounts-webhooks/connected

openAPI/accounts-webhooks-connected.yaml post /v2/webhooks
The `accounts.connected` webhook is sent when a user's login credentials are successfully authenticated and the account connection was successful.

<Warning>
The webhook is also sent when a user re-connects an [existing account](/workflows/reconnecting-accounts).
</Warning>




# Accounts.failed webhook
Source: https://docs.argyle.com/api-reference/accounts-webhooks/failed

openAPI/accounts-webhooks-failed.yaml post /v2/webhooks
The accounts.failed webhook is sent when an account connection attempt fails.

This includes when:

1. The user submits login credentials that fail to authenticate.
2. The user submits login credentials to re-authenticate an account and authentication fails.
3. The user submits login credentials but there is a timeout during a required multi-factor authentication (MFA) process.

<Warning>
  To stay notified of [account disconnections](/workflows/reconnecting-accounts), instead use the `accounts.updated` webhook with a `resource` object included, and check for changes the account object's `connection.status` property.
</Warning>


# Accounts.removed webhook
Source: https://docs.argyle.com/api-reference/accounts-webhooks/removed

openAPI/accounts-webhooks-removed.yaml post /v2/webhooks
The accounts.removed webhook is sent when a user revokes access to their account or an account is deleted.

<Warning>
  When an account is removed, Argyle deletes all resources associated with it, such as paystubs and uploaded documents. Data set-specific `.removed` webhooks are not sent for those resources, so subscribe to the `accounts.removed` webhook to monitor account deletions and revoked access.
</Warning>


# Accounts.updated webhook
Source: https://docs.argyle.com/api-reference/accounts-webhooks/updated

openAPI/account-webhook-updated.yaml post /v2/webhooks
The accounts.updated webhook is sent when a property of an account object changes.

<Warning>
  When an account is first connected, the `accounts.updated` webhook is sent frequently — each time new data is added or used to refine a previous value.
</Warning>

Whenever the `accounts.connected` and `accounts.failed` webhooks are sent, the `accounts.updated` webhook is sent as well.


# Delete An Account
Source: https://docs.argyle.com/api-reference/accounts/delete-an-account

openAPI/accounts.yaml delete /v2/accounts/{id}
Deletes an account object.

<Warning>**Caution** - Deleting an account object will delete all resources associated with the account, such as paystubs or uploaded documents.</Warning>




# Disable Account Updates
Source: https://docs.argyle.com/api-reference/accounts/disable-account-updates

openAPI/accounts.yaml post /v2/accounts/{id}/disable-ongoing-refresh
Disables ongoing refresh for an individual account.

<Note>
  To access this feature, reach out to our team for assistance.
</Note>

* Link will display the [`ongoing_refresh_disabled`](/api-reference/account-connection-errors#ongoingrefreshdisabled) account connection error when users return to view this account.
* Changes the account's [`ongoing_refresh.status`](/api-reference/accounts#object-ongoing_refresh) value from `enabled` to `disabled` and causes the [`accounts.updated`](/api-reference/accounts-webhooks/updated) webhook to be sent.

After `ongoing_refresh` is disabled:

* The specified account will no longer receive [data updates](/overview/ongoing-refresh).
* If the user returns to Link and [reconnects the account](/workflows/reconnecting-accounts#reconnecting-disconnected-accounts):
  1. The account will immediately be re-scanned and its data updated.
  2. The account will be billed as a new account connection.
  3. Ongoing refresh will be re-enabled for the account.


# List All Accounts
Source: https://docs.argyle.com/api-reference/accounts/list-all-accounts

openAPI/accounts.yaml get /v2/accounts
Returns a paginated list of all account objects.




# Retrieve An Account
Source: https://docs.argyle.com/api-reference/accounts/retrieve-an-account

openAPI/accounts.yaml get /v2/accounts/{id}
Retrieves an account object.




# Bank Accounts
Source: https://docs.argyle.com/api-reference/bank-accounts

Bank account information.

## Aggregation status codes

The `aggregation_status_code` returned in the bank account object provides information on either:

* The connection status of the individual bank account
* An error the user encountered, and how to resolve

<Accordion title="Most common aggregation status codes (refreshed nightly)">
  | Code                                                                 | Description                                              | Required Action                                                                                                                                                                                                                                                                           |
  | -------------------------------------------------------------------- | -------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
  | 0                                                                    | Success                                                  | No issues encountered.                                                                                                                                                                                                                                                                    |
  | 103                                                                  | Bad login credentials                                    | Have the user enter new login credentials via a [Connect URL](/api-reference/connect-url).                                                                                                                                                                                                |
  | 108                                                                  | User prompt encountered                                  | Have the user log in to their bank account and resolve the pop-up banner, typically by accepting new **Terms and Conditions** or acknowledging other account alerts.                                                                                                                      |
  | 109                                                                  | Credentials expired - new password required              | Have the user log in to their bank account and set a new password, then use a [Connect URL](/api-reference/connect-url) to have the user enter the new login credentials.                                                                                                                 |
  | 169                                                                  | Duplicate account                                        | Have the user keep one account and delete the duplicate(s) via a [Connect URL](/api-reference/connect-url).                                                                                                                                                                               |
  | 185                                                                  | Security challenge encountered                           | Use a [Connect URL](/api-reference/connect-url) to have the user answer the **Multi-Factor Authentication (MFA)** questions or enter the **One-Time Passcode (OTP)** sent by the financial institution.                                                                                   |
  | 187                                                                  | Incorrect security challenge answers                     | Use a [Connect URL](/api-reference/connect-url) to have the user answer the **Multi-Factor Authentication (MFA)** questions.                                                                                                                                                              |
  | 945                                                                  | OAuth migration (account migrated but not consented)     | Prompt the user to re-authenticate via a [Connect URL](/api-reference/connect-url). Otherwise, have the user delete the account and add it again under the same bank with the OAuth connection indicated by the [financial institutions endpoint](/api-reference/financial-institutions). |
  | 946                                                                  | Account not found (account may have been closed)         | Prompt the user to authenticate the right account via a [Connect URL](/api-reference/connect-url). Otherwise, have the user delete the account via a [Connect URL](/api-reference/connect-url) and then find and add an active account.                                                   |
  | 947                                                                  | Token expired or refresh required                        | A new token is needed; issue a new [Connect URL](/api-reference/connect-url) for the user.                                                                                                                                                                                                |
  | 948                                                                  | OAuth migration (account migrated but not authenticated) | Prompt the user to re-authenticate via a [Connect URL](/api-reference/connect-url). Otherwise, have the user delete the account and add it again under the same bank with the OAuth connection indicated by the [financial institutions endpoint](/api-reference/financial-institutions). |
  | 949                                                                  | Account unrecoverable                                    | Have the user delete the account and re-enter via a [Connect URL](/api-reference/connect-url) to re-add the account.                                                                                                                                                                      |
  | 147, 148, 173, 176, 181, 190, 900, 901, 903, 904, 906, 907, 940, 950 | Additional support required                              | Contact Argyle support.                                                                                                                                                                                                                                                                   |
</Accordion>


# List all bank accounts
Source: https://docs.argyle.com/api-reference/bank-accounts/list-all-bank-accounts

get /v2/open-banking/bank-accounts
Returns a paginated list of the user's bank accounts.




# Retrieve a bank account
Source: https://docs.argyle.com/api-reference/bank-accounts/retrieve-a-bank-account

get /v2/open-banking/bank-accounts/{bank_account_id}
Retrieves a bank account.




# Bank Connection Errors
Source: https://docs.argyle.com/api-reference/bank-connection-errors

Common causes and troubleshooting.

## Overview

Banking verification errors can occur while a borrower connects a financial institution, while account data is aggregated, or while Argyle generates a banking report.

To monitor for bank connection errors:

1. Subscribe to the [`verifications.updated`](/api-reference/verifications-webhooks/updated) webhook and set `include_resource = true` so the webhook payload contains the full verification object in `data.resource`.

2. When you receive the `verifications.updated` webhook or are encountering bank connection issues, check the verification object's `status`. If the `status.state` value is `PAUSED`, check the `errors` array in the `status` object.

3. Proceed to the troubleshooting steps below for the bank connection error that matches the `code` value.

## Bank connection errors

<div />

### `account_closed`

<Tabs>
  <Tab title="API message">
    The selected account could not be found or is no longer available at the banking institution.
  </Tab>

  <Tab title="Troubleshooting">
    Ask the borrower to confirm they selected an active bank account and retry.
  </Tab>
</Tabs>

### `account_not_found`

<Tabs>
  <Tab title="API message">
    The selected account could not be found or is no longer available at the banking institution.
  </Tab>

  <Tab title="Troubleshooting">
    Ask the borrower to confirm they selected an active bank account and retry.
  </Tab>
</Tabs>

### `account_unrecoverable`

<Tabs>
  <Tab title="API message">
    The borrower needs to reconnect their account to restore access and complete verification.
  </Tab>

  <Tab title="Troubleshooting">
    Contact the borrower and ask them to reconnect their account.
  </Tab>
</Tabs>

### `aggregation_in_progress`

<Tabs>
  <Tab title="API message">
    The bank account is still being aggregated, so the requested report cannot be generated yet.
  </Tab>

  <Tab title="Troubleshooting">
    Wait for aggregation to complete, then retry report generation.
  </Tab>
</Tabs>

### `generic_error`

<Tabs>
  <Tab title="API message">
    A connection error occurred while trying to verify the account.
  </Tab>

  <Tab title="Troubleshooting">
    Ask the borrower to try again later.
  </Tab>
</Tabs>

### `institution_not_supported`

<Tabs>
  <Tab title="API message">
    The selected banking institution does not currently support connections.
  </Tab>

  <Tab title="Troubleshooting">
    Ask the borrower to choose another supported institution or use another verification method.
  </Tab>
</Tabs>

### `invalid_credentials`

<Tabs>
  <Tab title="API message">
    The borrower provided invalid banking login credentials.
  </Tab>

  <Tab title="Troubleshooting">
    Ask the borrower to check their credentials are valid or reset their password and try again.
  </Tab>
</Tabs>

### `mfa_issue_encountered`

<Tabs>
  <Tab title="API message">
    A multi-factor authentication or security verification step was not completed successfully.
  </Tab>

  <Tab title="Troubleshooting">
    Ask the borrower to retry and complete every verification prompt in one session.
  </Tab>
</Tabs>

### `no_accounts_connected`

<Tabs>
  <Tab title="API message">
    The borrower did not connect an eligible bank account, so the requested banking report could not be generated.
  </Tab>

  <Tab title="Troubleshooting">
    Ask the borrower to retry and connect an account of type: checking, savings, money market, cd, or investment account.
  </Tab>
</Tabs>

### `one_time_passcode_issue`

<Tabs>
  <Tab title="API message">
    There is a temporary issue preventing a successful connection to the borrower's banking institution right now.
  </Tab>

  <Tab title="Troubleshooting">
    Ask the borrower to wait a few minutes and try again.
  </Tab>
</Tabs>

### `report_generation_failed`

<Tabs>
  <Tab title="API message">
    We could not generate the requested banking report.
  </Tab>

  <Tab title="Troubleshooting">
    Retry report generation. If it fails again, escalate to Argyle support.
  </Tab>
</Tabs>

### `temporary_connection_issue`

<Tabs>
  <Tab title="API message">
    There is a temporary issue preventing a successful connection to the borrower's banking institution right now.
  </Tab>

  <Tab title="Troubleshooting">
    Ask the borrower to wait a few minutes and try again.
  </Tab>
</Tabs>

### `token_invalid_or_expired`

<Tabs>
  <Tab title="API message">
    The borrower needs to reconnect their account to restore access and complete verification.
  </Tab>

  <Tab title="Troubleshooting">
    Contact the borrower and ask them to reconnect their account.
  </Tab>
</Tabs>

### `user_action_required_at_institution`

<Tabs>
  <Tab title="API message">
    The borrower must sign in directly at their banking institution and complete an account action before reconnecting.
  </Tab>

  <Tab title="Troubleshooting">
    Ask the borrower to complete the required steps and then reconnect.
  </Tab>
</Tabs>


# Banking Overview Guide
Source: https://docs.argyle.com/api-reference/banking-overview

Implementation guide for banking reports.

<Warning>This workflow has been deprecated in favor of the current verification workflow for payroll, banking, and Doc VOI. See the [Verifications Guide](/verifications/overview) to learn more.</Warning>

## Overview

Verify assets and income and generate verification reports by allowing users to directly connect their financial institutions.

<Frame>
  <img alt="Verify assets and income with Argyle banking reports." />
</Frame>

## Supported report types

* <a href="https://res.cloudinary.com/argyle-media/image/upload/v1749582203/docs-2025/VOA_Banking_Report.pdf">Verification of Assets (VOA)</a>
* <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/VOI_Banking_Report.pdf">Verification of Income (VOI)</a>
* <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/VOAI_Banking_Report.pdf">Verification of Assets & Income (VOAI)</a>

## Workflow

Argyle's [Postman collection](/api-guide/postman) contains examples of the banking endpoints mentioned below.

### Create an Argyle user

<Note>
  The Sandbox testing environment for banking supports a maximum of 500 users. To stay within this limit, implement user-management workflows and remove inactive users when they are no longer needed.
</Note>

1. [Create](/api-reference/users#create) or [update](/api-reference/users#update) an Argyle user.
2. In the request body, include `first_name`, `last_name`, and `address`. Also provide at least one identity field (`ssn` or `birth_date`) and at least one contact field (`email` or `phone_number`). These fields are only required for banking reports.

<Accordion title="User fields for banking reports">
  * The top-level (root) object should contain user details (user being the borrower in most cases).

    * The `external_metadata` object should contain details about the person or entity making the lending decision.

  The `external_metadata` object is **optional**.

  <Accordion title="Example user fields for banking reports">
    ```json theme={}
    {
        "first_name": "Bob",
        "last_name": "Jones",
        "email": "bob@email.com",
        "phone_number": "555-111-2222", // must be 10 or 11 digits (with or without hyphens) — e.g. 5551112222 or 555-111-2222 or 15551112222 or 1-555-111-2222
        "ssn": "123456789", // must be 9 digits (with or without hyphens) — e.g. 123456789 or 123-45-6789
        "address": {
            "city": "New York",
            "line1": "759 Victoria Plaza",
            "line2": null,
            "state": "New York",
            "country": "US",
            "postal_code": "10014"
        },
        "birth_date": {
          "year": 1980, // integer (must be 1900 or later)
          "month": 12, // integer (must be between 1 and 12)
          "day": 3 // integer (must be between 1 and 31)
        },
        "external_metadata": { // this object & all its properties are optional
            "open_banking": {
                "end_user": {
                    "name": "Loan Officer",
                    "address": "759 Victoria Plaza",
                    "city": "New York",
                    "state": "NY",
                    "zip": "10014",
                    "phone": "7778889999" // must be 10 or 11 digits (with or without hyphens) — e.g. 5551112222 or 555-111-2222 or 15551112222 or 1-555-111-2222
                }
            }
        }
    }
    ```
  </Accordion>
</Accordion>

### Create connection link

<Tabs>
  <Tab title="URL (Share or Embed)">
    1. [Create](/api-reference/connect-url#create) a Connect URL — a temporary link that allows the user to securely authorize access to their bank data.
    2. In the request body, make sure to specify via the `webhook` field where to receive [Connect Event](/api-reference/banking-overview#connect-events) webhooks.

    <Note>
      Each [environment](/api-guide/overview#environments) (Sandbox and Production) requires its own webhook. Subscriptions do not transfer between environments.
    </Note>

    3. Share the Connect URL with the user directly, or embed the bank connection experience within your application. For new embedded banking UI implementations, use the banking SDK. Hosted or no-SDK banking flows must be enabled by Argyle before use. Reach out to your Argyle customer success manager before using this implementation path.
  </Tab>

  <Tab title="Invite (Email or Phone)">
    1. Contact your Argyle customer success manager to manually register a webhook URL where you will receive [Connect Events](/api-reference/banking-overview#connect-events).

    <Note>
      Each [environment](/api-guide/overview#environments) (Sandbox and Production) requires its own webhook. Subscriptions do not transfer between environments.
    </Note>

    2. Review the following customization options.

    <Accordion title="Customize the invite and banking experience.">
      * Go to the <a href="https://console.argyle.com/flows">Flows</a> section of Console. Select "New Flow" and "Email/SMS Template" — (alternatively, an existing "Email/SMS Template" can be edited.)
      * In the "Landing page" flow step, make sure the "Connect bank account" toggle is ON.
      * If you want to customize the banking experience, your Argyle customer success manager will provide an `Experience ID` that can be entered at the bottom of the same page under "Integration reference".
      * Save the Flow in Console and copy the `Flow ID` (will be used in the next step).
    </Accordion>

    <Accordion title="Your Argyle customer success manager can help provide the following customizations:">
      * Your company name and logo shown to borrowers can be adjusted.
      * Which financial institutions are shown by default on the home screen.
      * After the borrower connects a financial institution, they will be shown a list of detected accounts (e.g. checking, savings, 401k).
    </Accordion>

    <Accordion title="You can exclude any of the following account types from being selectable by borrowers:">
      * 457
      * 529
      * 401a
      * 401k
      * 403b
      * Brokerage Account
      * CD
      * Checking
      * Credit Card
      * Crypto Currency
      * Education Savings
      * Employee Stock Purchase Plan
      * Health Savings Account
      * Investment
      * Investment Tax Deferred
      * IRA
      * Keogh
      * Line of Credit
      * Loan
      * Money Market
      * Mortgage
      * Non Taxable Brokerage Account
      * Pension
      * Profit Sharing Plan
      * Rollover
      * Roth
      * Roth 401k
      * Savings
      * SEP IRA
      * Simple IRA
      * Student Loan
      * Thrift Savings Plan
      * UGMA
      * Unknown
      * UTMA
      * Variable Annuity
    </Accordion>

    3. [Send an invite](/api-reference/invites#send-invite) to the user.

    * In the request body, only `user_id` and `flow_id` are required.
    * `user_id` is returned after creating an Argyle user.
    * `flow_id` is obtained after customizing the invite and banking experience.
    * By default the name, email, and phone number provided when [creating an Argyle user](/api-reference/banking-overview#create-an-argyle-user) will be used. You can optionally override any of these contact values by also specifying them in the request body:

      ```json theme={}
          // Example request body:
          {
              "user_id": "{{ID of the user}}",  // required
              "flow_id": "{{Flow ID}}",         // required
              "first_name": "Bobby",            // optional
              "last_name": "J",                 // optional
              "email": "bobby@email.com",       // optional
              "phone_number": "555-333-4444"    // optional
          }
      ```
  </Tab>
</Tabs>

### Generate a banking report

1. When you receive a Connect Event webhook with `"event_type": "done"` a banking report can be generated — this event signifies the user has connected their banking accounts and successfully authorized the related connections.
2. [Generate](/api-reference/banking-reports#generate) a banking report and specify the [report type](/api-reference/banking-overview#supported-report-types) in the request.
3. (Optional) Specify via the `webhook` field where to receive the [Connect Event](/api-reference/banking-overview#connect-events) webhook notifying you that the report has been generated.
4. Save the `file_url` and `json_url` values returned in the response after generating a report.

<Note>
  If the user only connected account types (e.g. Line of credit) that are not eligible for the specified report type, the API will return a **400 (Bad Request)** response:

  ```json theme={}
  {
      "detail": "INVALID_ARGUMENT: Code: 5030, error: No matching account types apply"
  }
  ```
</Note>

### Retrieve report PDFs and JSONs

1. When you receive a Connect Event webhook with `"event_name": "done"` a banking report has been successfully generated and can be retrieved.
2. To retrieve a PDF version of the report, call **GET** `{file_url}` — make sure to include [Argyle authentication headers](/api-guide/overview#authentication).
3. To retrieve a JSON version of the report, call **GET** `{json_url}` — make sure to include [Argyle authentication headers](/api-guide/overview#authentication).

### Day 1 Certainty® and AIM

For mortgage use cases, the reference number for Day 1 Certainty® or AIM is provided in the `portfolio` field returned after calling **GET** `{json_url}`. In Encompass®, this reference number can be submitted in the **Finicity Borrower** field:

<Frame>
  <img alt="Submit GSE reference numbers to the Finicity borrower field in Encomapss." />
</Frame>

## Connect events

Connect Event webhooks are sent:

* When the user completes certain steps of the connection process.
* When a report is being and has been successfully generated.

*Most common Connect Event webhooks (examples):*

<Accordion title="The user opened the bank connection experience.">
  ```json theme={}
    {
      "user": "01975aea-3882-d5fb-7eb5-e4821a573167",
      "event_type": "started",
      "event_id": "1749577051464-49bbb425bbe60e0fdfd14da0",
      "payload": {}
    }
  ```
</Accordion>

<Accordion title="The user selected a financial institution.">
  ```json theme={}
    {
      "user": "01975c4e-fee2-0162-a341-e5f61359da49",
      "event_type": "institutionSupported",
      "event_id": "1749604002888-f1342c3918d21aee221d5388",
      "payload": {
        "institution": "102168"
      }
    }
  ```
</Accordion>

<Accordion title="The user attempted to submit credentials.">
  ```json theme={}
    {
      "user": "01975c4e-fee2-0162-a341-e5f61359da49",
      "event_type": "adding",
      "event_id": "1749604018215-941d6b8cd2ec7f1d3353ccab",
      "payload": {
        "institution": "102168",
        "oauth": "false"
      }
    }
  ```
</Accordion>

<Accordion title="The user submitted invalid credentials.">
  ```json theme={}
    {
      "user": "01975c4e-fee2-0162-a341-e5f61359da49",
      "event_type": "invalidCredentials",
      "event_id": "1749604019315-a7f974879a932f939dd45532",
      "payload": {
        "institution": "102168"
      }
    }
  ```
</Accordion>

<Accordion title="The user submitted valid credentials.">
  ```json theme={}
    {
      "user": "01975c4e-fee2-0162-a341-e5f61359da49",
      "event_type": "adding",
      "event_id": "1749604149048-d2ffdf7f0954f9b7029e219d",
      "payload": {
        "institution": "102168",
        "oauth": "false"
      }
    }
  ```
</Accordion>

<Accordion title="Eligible accounts were found.">
  ```json theme={}
    {
      "user": "01975c4e-fee2-0162-a341-e5f61359da49",
      "event_type": "discovered",
      "event_id": "1749604157634-d425a8628178de589cc447e7",
      "payload": {
        "accounts": [
          {
            "id": 8057734470,
            "number": "xx2121",
            "name": "401K",
            "balance": 9005,
            "type": "401k",
            "status": "pending",
            "institution_login": 8029207213
          },
          {
            "id": 8057734471,
            "number": "xx2020",
            "name": "IRA",
            "balance": 7030,
            "type": "ira",
            "status": "pending",
            "institution_login": 8029207213
          },
          {
            "id": 8057734472,
            "number": "xx3333",
            "name": "Credit Card",
            "balance": -1952.71,
            "type": "creditCard",
            "status": "pending",
            "institution_login": 8029207213
          },
          {
            "id": 8057734474,
            "number": "xx2222",
            "name": "Savings",
            "balance": 22327.3,
            "type": "savings",
            "status": "pending",
            "institution_login": 8029207213
          }
        ],
        "mfa": null,
        "institution": "102168"
      }
    }
  ```
</Accordion>

<Accordion title="The user selected and saved eligible account(s).">
  ```json theme={}
    {
      "user": "01975c4e-fee2-0162-a341-e5f61359da49",
      "event_type": "added",
      "event_id": "1749604256032-f2402c85f88e2188534d5b2b",
      "payload": {
        "institution": "102168",
        "accounts": [
          {
            "id": "8057734474",
            "number": "xx2222",
            "real_account_number_last4": "2222",
            "account_number_display": "2222",
            "name": "Savings",
            "balance": 22327.3,
            "type": "savings",
            "status": "active",
            "user": "01975c4e-fee2-0162-a341-e5f61359da49",
            "institution": "102168",
            "balance_date": "2025-06-11T01:09:17.000Z",
            "created_date": "2025-06-11T01:09:17.000Z",
            "last_updated_date": "2025-06-11T01:10:55.000Z",
            "currency": "USD",
            "institution_login": "8029207213",
            "display_position": "1",
            "financialinstitution_account_status": null,
            "account_nickname": "Savings",
            "market_segment": "personal"
          }
        ],
        "oauth": false
      }
    }
  ```
</Accordion>

<Accordion title="The user successfully submitted their accounts. — event_type: done">
  ```json theme={}
    {
      "user": "01975c4e-fee2-0162-a341-e5f61359da49",
      "event_type": "done",
      "event_id": "1749604309359-1248d979c904efc4519431f8",
      "payload": {}
    }
  ```
</Accordion>

<Accordion title="Report generation is in progress.">
  ```json theme={}
    {
      "user": "01975c4e-fee2-0162-a341-e5f61359da49",
      "event_name": "inProgress",
      "id": "kkc7xyd800ur",
      "type": "voa",
      "status": "inProgress",
      "portfolio_id": "eumj6fqkqzw6-3-port",
      "report_custom_fields": null
    }
  ```
</Accordion>

<Accordion title="Report generation has successfully completed. — event_name: done">
  ```json theme={}
    {
      "user": "01975c4e-fee2-0162-a341-e5f61359da49",
      "event_name": "done",
      "id": "kkc7xyd800ur",
      "type": "voa",
      "status": "success",
      "portfolio_id": "eumj6fqkqzw6-3-port",
      "report_custom_fields": null
    }
  ```
</Accordion>

## Related endpoints

* The [reports endpoint](/api-reference/reports) can be used to retrieve reports by user or report ID.
* The [bank accounts endpoint](/api-reference/bank-accounts) can be used to retrieve a list of the user's bank accounts.
* The [financial institutions endpoint](/api-reference/financial-institutions) can be used to search for supported financial institutions.

## Testing profiles

<Note>
  When you're ready to begin testing, contact your Argyle Customer Success Manager to enable banking permissions.
</Note>

<Note>
  The Sandbox testing environment for banking supports a maximum of 500 users. To stay within this limit, implement user-management workflows and remove inactive users when they are no longer needed.
</Note>

The following sample test profiles can be connected to:

* **Sandbox** — the `FinBank Profiles A` or `FinBank Profiles B` financial institutions
* **Production** — the `FinBank Billable` or `FinBank Oauth Billable` financial institutions

| Username    | Password    | Account Types                                                             | Supported Products                                                   |
| ----------- | ----------- | ------------------------------------------------------------------------- | -------------------------------------------------------------------- |
| profile\_02 | profile\_02 | Savings, IRA, 401k, Credit Card                                           | voa, voi, voai                                                       |
| profile\_03 | profile\_03 | Checking, Personal Investment, 401K, Roth, Savings (Joint Account owners) | voa, voi, voai                                                       |
| profile\_04 | profile\_04 | Checking, 403B, 529, Rollover, Mortgage                                   | voa, voi, voai                                                       |
| profile\_05 | profile\_05 | Checking, Investment, Stocks, UGMA, UTMA (Joint Account owners)           | voa, voi, voai                                                       |
| profile\_06 | profile\_06 | Checking, Retirement, KEOGH, 457, Credit Card                             | voa, voi, voai                                                       |
| profile\_07 | profile\_07 | Checking, Stocks, CD, Investment Tax-Deferred, Employee Stock             | voa, voi, voai                                                       |
| profile\_08 | profile\_08 | Checking, Primary Savings, Money Market, 401A, Line of credit             | voa, voi, voai                                                       |
| profile\_09 | profile\_09 | Checking, Savings, Checking Failed Report. Errors include 102, 103, 185   | voa \*(failed report)\*voi \*(failed report)\*voai *(failed report)* |

For specific scenario testing, the following sample test users are also available:

|             | Sue Wealthy                                                                                                                                                                                                                                                                                             | River Paycheck                                                                                                                                                                                                                                                            | Alex Student                                                                                                                                                                                                                                                                                                                                   |
| ----------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Username    | sue\_wealthy                                                                                                                                                                                                                                                                                            | river\_paycheck                                                                                                                                                                                                                                                           | alex\_student                                                                                                                                                                                                                                                                                                                                  |
| Password    | profile\_700                                                                                                                                                                                                                                                                                            | profile\_703                                                                                                                                                                                                                                                              | profile\_704                                                                                                                                                                                                                                                                                                                                   |
| Description | Sue is working as a Product Manager with a good steady income, a mortgage, and multiple investment accounts. She has a loan account and leases a car. Sue travels a few times a year. She has typical expenses like groceries, clothes, entertainment, gym membership, car expenses, and she has a pet. | River works in construction. He rents an apartment and has typical expenses like groceries, clothes, entertainment, household and car expenses. He has some savings but no investments, no loans and no credit cards. In some months, River's expenses exceed his income. | Alex is working full-time with a good salary but she is still paying off her student loan. She makes regular monthly repayments, but she still has over \$30,000 to pay off. Alex has typical expenses like groceries, clothes, entertainment, household, and car expenses. She has limited savings and she has started an investment account. |


# Banking Reports
Source: https://docs.argyle.com/api-reference/banking-reports

Generate asset and income reports based on bank data.

**Example reports:**

<Accordion title="Verification of Assets (VOA) — PDF and JSON">
  [PDF](https://res.cloudinary.com/argyle-media/image/upload/v1749582203/docs-2025/VOA_Banking_Report.pdf)

  Report PDF

  <Frame>
    <img alt="Image of Verification of Assets (VOA) banking report." />
  </Frame>

  ```json theme={}
  {
    "id": "m22kz9tzmz3t",
    "type": "voa",
    "constraints": {
      "accounts": null,
      "from_date": null,
      "report_custom_fields": null,
      "show_nsf": null
    },
    "status": "success",
    "assets": {
      "type": null,
      "available_balance": 18349.6,
      "current_balance": 22327.3,
      "two_month_average": 21995.27,
      "six_month_average": null,
      "beginning_balance": 20942.02
    },
    "consolidated_available_balance": 18349.6,
    "consumer": "eed152a28a1ecd78c0ff401de123faf3",
    "consumer_ssn": "6789",
    "created_date": "2025-06-10T18:57:22.000Z",
    "user": "01975b33-16d0-2c9b-8cd1-85e58e80248c",
    "customer_type": "testing",
    "days": 61,
    "dispute_statement": null,
    "end_date": "2025-06-10T18:57:22.000Z",
    "end_user": null,
    "institutions": [
      {
        "accounts": [
          {
            "aggregation_status_code": 0,
            "asset": {
              "type": "savings",
              "current_balance": 22327.3,
              "two_month_average": 21995.27,
              "six_month_average": null,
              "beginning_balance": 20942.02
            },
            "available_balance": null,
            "average_monthly_balance": 21978.28,
            "balance": 22327.3,
            "balance_date": "2025-06-10T18:57:25.000Z",
            "details": {
              "interest_margin_balance": null,
              "available_cash_balance": null,
              "vested_balance": null,
              "current_loan_balance": null,
              "available_balance_amount": 18349.6,
              "margin_balance": null,
              "current_balance": null
            },
            "id": 8057635035,
            "income_streams": null,
            "name": "Savings",
            "number": "2222",
            "owner_address": "123 FAKE STREET OGDEN, UT 84401",
            "owner_name": "HOMER LOANSEEKER",
            "position": null,
            "tot_number_days_since_most_recent_insufficient_funds_fee_debit_tx_account": 0,
            "tot_number_insufficient_funds_fee_debit_tx_account": 0,
            "tot_number_insufficient_funds_fee_debit_tx_over2_months_account": null,
            "transactions": [
              {
                "id": 28483686056,
                "amount": 501.68,
                "posted_date": "2025-05-19T12:00:00.000Z",
                "description": "Home Banking Transfer Deposit: F",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "home banking transfer deposit",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              },
              {
                "id": 28483686184,
                "amount": 203.82,
                "posted_date": "2025-05-14T12:00:00.000Z",
                "description": "Home Banking Transfer Deposit: F",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "home banking transfer deposit",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              },
              {
                "id": 28483686144,
                "amount": -100,
                "posted_date": "2025-05-13T12:00:00.000Z",
                "description": "Home Banking Transfer Withdrawal",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "home banking transfer withdrawal",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              },
              {
                "id": 28483686110,
                "amount": -250,
                "posted_date": "2025-05-13T12:00:00.000Z",
                "description": "Home Banking Transfer Withdrawal",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "home banking transfer withdrawal",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              },
              {
                "id": 28483686071,
                "amount": 107.81,
                "posted_date": "2025-05-08T12:00:00.000Z",
                "description": "Home Banking Transfer Deposit: F",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "home banking transfer deposit",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              },
              {
                "id": 28483686175,
                "amount": 25.69,
                "posted_date": "2025-04-30T12:00:00.000Z",
                "description": "Home Banking Transfer Deposit: F",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "home banking transfer deposit",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              },
              {
                "id": 28483686139,
                "amount": -145,
                "posted_date": "2025-04-29T12:00:00.000Z",
                "description": "Home Banking Transfer Withdrawal",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "home banking transfer withdrawal",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              },
              {
                "id": 28483686102,
                "amount": 18.24,
                "posted_date": "2025-04-24T12:00:00.000Z",
                "description": "Home Banking Transfer Deposit: F",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "home banking transfer deposit",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              },
              {
                "id": 28483686066,
                "amount": 100,
                "posted_date": "2025-04-24T12:00:00.000Z",
                "description": "Home Banking Transfer Deposit: F",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "home banking transfer deposit",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              },
              {
                "id": 28483686115,
                "amount": 22.81,
                "posted_date": "2025-04-17T12:00:00.000Z",
                "description": "Home Banking Transfer Deposit: F",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "home banking transfer deposit",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              },
              {
                "id": 28483686079,
                "amount": 500.23,
                "posted_date": "2025-04-15T12:00:00.000Z",
                "description": "Home Banking Transfer Deposit: F",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "home banking transfer deposit",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              },
              {
                "id": 28483686111,
                "amount": 400,
                "posted_date": "2025-04-14T12:00:00.000Z",
                "description": "Transfer to SAVINGS",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "transfer",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              }
            ],
            "type": "savings"
          }
        ],
        "id": 102168,
        "name": "FinBank Profiles - B",
        "url_home_app": "http://www.finicity.com"
      }
    ],
    "portfolio": "1au39wv4bn23-1-port",
    "request_id": "zpe49xbhyd",
    "requester_name": "Argyle Systems",
    "seasoned": false,
    "start_date": "2025-04-10T18:57:22.000Z",
    "title": "Mastercard Open Banking Verification of Assets"
  }
  ```
</Accordion>

<Accordion title="Verification of Income (VOI) — PDF and JSON">
  [PDF](https://res.cloudinary.com/argyle-media/image/upload/docs-2026/VOI_Banking_Report.pdf)

  Report PDF

  <Frame>
    <img alt="Image of Verification of Income (VOI) banking report." />
  </Frame>

  ```json theme={}
  {
      "id": "bdmczjhxc8vj-voi",
      "type": "voi",
      "constraints": {
          "accounts": null,
          "from_date": "2024-09-03T23:03:00.000Z",
          "report_custom_fields": [
              {
                  "label": "loanID",
                  "value": "12345",
                  "shown": true
              }
          ],
          "show_nsf": null,
          "income_stream_confidence_minimum": 50
      },
      "status": "success",
      "portfolio": "91k0ba5978h5-1-port",
      "errors": null,
      "consumer": "8859a004ff2b977a7821f74aa938950d",
      "consumer_ssn": "0000",
      "created_date": "2026-09-03T23:03:00.000Z",
      "user": "01a06982-222f-ed7d-a569-71dc2680660d",
      "customer_type": "testing",
      "days": 730,
      "dispute_statement": null,
      "end_date": "2026-09-03T23:03:00.000Z",
      "end_user": null,
      "request_id": "4bswvfqtuy",
      "requester_name": "Argyle Systems",
      "seasoned": true,
      "start_date": "2024-09-03T23:03:00.000Z",
      "title": "Mastercard Open Banking Verification of Income",
      "income": [
          {
              "confidence_type": "HIGH",
              "income_estimate": {
                  "estimated_gross_annual": 115731,
                  "net_annual": 81703.67,
                  "projected_gross_annual": 130005,
                  "projected_net_annual": 89052.02,
                  "average_monthly_net": 6808.64,
                  "average_monthly_gross": 9644.25
              },
              "net_monthly": [
                  {
                      "month": "2024-09-01T06:00:00.000Z",
                      "net": 1757.44,
                      "gross": 2159.57
                  },
                  {
                      "month": "2024-10-01T06:00:00.000Z",
                      "net": 6544.43,
                      "gross": 8041.88
                  },
                  {
                      "month": "2024-11-01T06:00:00.000Z",
                      "net": 3620.25,
                      "gross": 4448.62
                  },
                  {
                      "month": "2024-12-01T07:00:00.000Z",
                      "net": 5825.7,
                      "gross": 7158.7
                  },
                  {
                      "month": "2025-01-01T07:00:00.000Z",
                      "net": 4737.91,
                      "gross": 5822.01
                  },
                  {
                      "month": "2025-02-01T07:00:00.000Z",
                      "net": 5650.03,
                      "gross": 6942.83
                  },
                  {
                      "month": "2025-03-01T07:00:00.000Z",
                      "net": 3978.64,
                      "gross": 4889.01
                  },
                  {
                      "month": "2025-04-01T06:00:00.000Z",
                      "net": 3499.65,
                      "gross": 4300.42
                  },
                  {
                      "month": "2025-05-01T06:00:00.000Z",
                      "net": 6544.43,
                      "gross": 8041.88
                  },
                  {
                      "month": "2025-06-01T06:00:00.000Z",
                      "net": 4174.35,
                      "gross": 5129.5
                  },
                  {
                      "month": "2025-07-01T06:00:00.000Z",
                      "net": 5271.53,
                      "gross": 6477.73
                  },
                  {
                      "month": "2025-08-01T06:00:00.000Z",
                      "net": 5743.67,
                      "gross": 7057.9
                  },
                  {
                      "month": "2025-09-01T06:00:00.000Z",
                      "net": 11304.74,
                      "gross": 13891.41
                  },
                  {
                      "month": "2025-10-01T06:00:00.000Z",
                      "net": 11373,
                      "gross": 13092.53
                  },
                  {
                      "month": "2025-11-01T06:00:00.000Z",
                      "net": 6339.68,
                      "gross": 7790.28
                  },
                  {
                      "month": "2025-12-01T07:00:00.000Z",
                      "net": 8156.93,
                      "gross": 10023.34
                  },
                  {
                      "month": "2026-01-01T07:00:00.000Z",
                      "net": 6472.38,
                      "gross": 7953.35
                  },
                  {
                      "month": "2026-02-01T07:00:00.000Z",
                      "net": 5954.44,
                      "gross": 7316.9
                  },
                  {
                      "month": "2026-03-01T07:00:00.000Z",
                      "net": 7413.01,
                      "gross": 9109.21
                  },
                  {
                      "month": "2026-04-01T06:00:00.000Z",
                      "net": 5100.11,
                      "gross": 6267.08
                  },
                  {
                      "month": "2026-05-01T06:00:00.000Z",
                      "net": 5944.8,
                      "gross": 7305.05
                  },
                  {
                      "month": "2026-06-01T06:00:00.000Z",
                      "net": 6818.97,
                      "gross": 8379.24
                  },
                  {
                      "month": "2026-07-01T06:00:00.000Z",
                      "net": 6873.8,
                      "gross": 8446.62
                  },
                  {
                      "month": "2026-08-01T06:00:00.000Z",
                      "net": 6314.3,
                      "gross": 7759.1
                  },
                  {
                      "month": "2026-09-01T06:00:00.000Z",
                      "net": 4942.25,
                      "gross": 6073.1
                  }
              ]
          },
          {
              "confidence_type": "MODERATE",
              "income_estimate": {
                  "estimated_gross_annual": 118463,
                  "net_annual": 83927.34,
                  "projected_gross_annual": 130005,
                  "projected_net_annual": 89052.02,
                  "average_monthly_net": 6993.95,
                  "average_monthly_gross": 9871.92
              },
              "net_monthly": [
                  {
                      "month": "2024-09-01T06:00:00.000Z",
                      "net": 4115.61,
                      "gross": 5057.32
                  },
                  {
                      "month": "2024-10-01T06:00:00.000Z",
                      "net": 6544.43,
                      "gross": 8041.88
                  },
                  {
                      "month": "2024-11-01T06:00:00.000Z",
                      "net": 3620.25,
                      "gross": 4448.62
                  },
                  {
                      "month": "2024-12-01T07:00:00.000Z",
                      "net": 5825.7,
                      "gross": 7158.7
                  },
                  {
                      "month": "2025-01-01T07:00:00.000Z",
                      "net": 4737.91,
                      "gross": 5822.01
                  },
                  {
                      "month": "2025-02-01T07:00:00.000Z",
                      "net": 5650.03,
                      "gross": 6942.83
                  },
                  {
                      "month": "2025-03-01T07:00:00.000Z",
                      "net": 3978.64,
                      "gross": 4889.01
                  },
                  {
                      "month": "2025-04-01T06:00:00.000Z",
                      "net": 5857.82,
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                      "name": "Checking",
                      "number": "1111",
                      "owner_address": "7195 BELMONT ST. PARLIN, NJ 08859",
                      "owner_name": "PATRICK & LORRAINE PURCHASER",
                      "transactions": [],
                      "type": "checking"
                  }
              ],
              "id": 102168,
              "name": "FinBank Profiles - B",
              "url_home_app": "http://www.finicity.com"
          }
      ]
  }
  ```
</Accordion>

<Accordion title="Verification of Assets & Income (VOAI) — PDF and JSON">
  [PDF](https://res.cloudinary.com/argyle-media/image/upload/docs-2026/VOAI_Banking_Report.pdf)

  Report PDF

  <Frame>
    <img alt="Image of Verification of Assets & Income (VOAI) banking report." />
  </Frame>

  ```json theme={}
  {
      "id": "q3senvchs15n",
      "type": "voaHistory",
      "constraints": {
          "accounts": [
              "9035542498"
          ],
          "from_date": "2024-09-16T21:04:48.000Z",
          "report_custom_fields": null,
          "show_nsf": null,
          "income_stream_confidence_minimum": 0,
          "income_from_date": "1970-01-01T07:00:00.000Z"
      },
      "status": "success",
      "portfolio": "q3gg0t2yki5v-2-port",
      "errors": null,
      "assets": {
          "current_balance": 14911.0,
          "two_month_average": 10745.1,
          "six_month_average": 9592.05,
          "beginning_balance": 38693.34
      },
      "consolidated_available_balance": 14911.0,
      "consumer": "a34c54560b98f506f22827af7ec54878",
      "consumer_ssn": null,
      "created_date": "2026-09-16T21:04:48.000Z",
      "user": "01a0ac04-eb74-f1f1-b91c-8330689dcfa2",
      "customer_type": "testing",
      "days": 730,
      "dispute_statement": null,
      "end_date": "2026-09-16T21:04:48.000Z",
      "end_user": null,
      "institutions": [
          {
              "accounts": [
                  {
                      "aggregation_status_code": 0,
                      "asset": {
                          "type": "checking",
                          "current_balance": 14911.0,
                          "two_month_average": 10745.1,
                          "six_month_average": 9592.05,
                          "beginning_balance": 38693.34
                      },
                      "average_monthly_balance": 20880.29,
                      "balance": 14911.0,
                      "balance_date": "2026-09-16T21:02:53.000Z",
                      "currency": "USD",
                      "details": {
                          "interest_margin_balance": null,
                          "available_cash_balance": null,
                          "vested_balance": null,
                          "current_loan_balance": null,
                          "available_balance_amount": 14911.0,
                          "margin_balance": null,
                          "current_balance": null
                      },
                      "id": 9035542498,
                      "income_streams": [
                          {
                              "id": "q3senvchs15n1",
                              "name": "abc",
                              "status": "ACTIVE",
                              "estimate_inclusion": "HIGH",
                              "confidence": 100,
                              "cadence": {
                                  "start_date": "2025-09-30T12:00:00.000Z",
                                  "stop_date": null,
                                  "days": 13
                              },
                              "net_monthly": [
                                  {
                                      "month": "2025-09-01T06:00:00.000Z",
                                      "net": 4791.46,
                                      "gross": 5887.81
                                  },
                                  {
                                      "month": "2025-10-01T06:00:00.000Z",
                                      "net": 9582.92,
                                      "gross": 11775.62
                                  },
                                  {
                                      "month": "2025-11-01T06:00:00.000Z",
                                      "net": 9582.92,
                                      "gross": 11775.62
                                  },
                                  {
                                      "month": "2025-12-01T07:00:00.000Z",
                                      "net": 9582.92,
                                      "gross": 11775.62
                                  },
                                  {
                                      "month": "2026-01-01T07:00:00.000Z",
                                      "net": 10062.69,
                                      "gross": 12365.17
                                  },
                                  {
                                      "month": "2026-02-01T07:00:00.000Z",
                                      "net": 9582.92,
                                      "gross": 11775.62
                                  },
                                  {
                                      "month": "2026-03-01T07:00:00.000Z",
                                      "net": 14374.38,
                                      "gross": 17663.43
                                  },
                                  {
                                      "month": "2026-04-01T06:00:00.000Z",
                                      "net": 9582.92,
                                      "gross": 11775.62
                                  },
                                  {
                                      "month": "2026-05-01T06:00:00.000Z",
                                      "net": 9582.92,
                                      "gross": 11775.62
                                  },
                                  {
                                      "month": "2026-06-01T06:00:00.000Z",
                                      "net": 9582.92,
                                      "gross": 11775.62
                                  },
                                  {
                                      "month": "2026-07-01T06:00:00.000Z",
                                      "net": 9582.92,
                                      "gross": 11775.62
                                  },
                                  {
                                      "month": "2026-08-01T06:00:00.000Z",
                                      "net": 9582.92,
                                      "gross": 11775.62
                                  },
                                  {
                                      "month": "2026-09-01T06:00:00.000Z",
                                      "net": 9582.92,
                                      "gross": 11775.62
                                  }
                              ],
                              "net_annual": 120266.27,
                              "projected_net_annual": 125058.0,
                              "estimated_gross_annual": 204882.0,
                              "projected_gross_annual": 213818.0,
                              "average_monthly_income_net": 10022.19,
                              "average_monthly_income_gross": 17073.5,
                              "income_stream_months": 13,
                              "transactions": [
                                  {
                                      "id": 17620349440,
                                      "amount": 4791.46,
                                      "posted_date": "2026-09-15T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349439,
                                      "amount": 4791.46,
                                      "posted_date": "2026-09-01T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349464,
                                      "amount": 4791.46,
                                      "posted_date": "2026-08-18T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349264,
                                      "amount": 4791.46,
                                      "posted_date": "2026-08-04T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349259,
                                      "amount": 4791.46,
                                      "posted_date": "2026-07-21T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349309,
                                      "amount": 4791.46,
                                      "posted_date": "2026-07-07T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349190,
                                      "amount": 4791.46,
                                      "posted_date": "2026-06-23T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349270,
                                      "amount": 4791.46,
                                      "posted_date": "2026-06-09T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349318,
                                      "amount": 4791.46,
                                      "posted_date": "2026-05-26T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349185,
                                      "amount": 4791.46,
                                      "posted_date": "2026-05-12T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349471,
                                      "amount": 4791.46,
                                      "posted_date": "2026-04-28T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349404,
                                      "amount": 4791.46,
                                      "posted_date": "2026-04-14T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349243,
                                      "amount": 4791.46,
                                      "posted_date": "2026-03-30T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349310,
                                      "amount": 4791.46,
                                      "posted_date": "2026-03-17T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349466,
                                      "amount": 4791.46,
                                      "posted_date": "2026-03-03T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349487,
                                      "amount": 4791.46,
                                      "posted_date": "2026-02-17T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349160,
                                      "amount": 4791.46,
                                      "posted_date": "2026-02-03T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349296,
                                      "amount": 479.77,
                                      "posted_date": "2026-01-23T12:00:00.000Z",
                                      "description": "PAYMENTS ABC",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Income"
                                  },
                                  {
                                      "id": 17620349448,
                                      "amount": 4791.46,
                                      "posted_date": "2026-01-20T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349229,
                                      "amount": 4791.46,
                                      "posted_date": "2026-01-06T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349251,
                                      "amount": 4791.46,
                                      "posted_date": "2025-12-23T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349213,
                                      "amount": 4791.46,
                                      "posted_date": "2025-12-09T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349456,
                                      "amount": 4791.46,
                                      "posted_date": "2025-11-25T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349322,
                                      "amount": 4791.46,
                                      "posted_date": "2025-11-10T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349299,
                                      "amount": 4791.46,
                                      "posted_date": "2025-10-28T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349278,
                                      "amount": 4791.46,
                                      "posted_date": "2025-10-14T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  },
                                  {
                                      "id": 17620349168,
                                      "amount": 4791.46,
                                      "posted_date": "2025-09-30T12:00:00.000Z",
                                      "description": "ABC LTD",
                                      "normalized_payee": "Abc",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit"
                                  }
                              ]
                          },
                          {
                              "id": "q3senvchs15n2",
                              "name": "venmo",
                              "status": "INACTIVE",
                              "estimate_inclusion": "HIGH",
                              "confidence": 100,
                              "cadence": {
                                  "start_date": "2025-07-20T12:00:00.000Z",
                                  "stop_date": "2026-08-07T12:00:00.000Z",
                                  "days": 27
                              },
                              "net_monthly": [
                                  {
                                      "month": "2025-07-01T06:00:00.000Z",
                                      "net": 142.41,
                                      "gross": 142.41
                                  },
                                  {
                                      "month": "2025-08-01T06:00:00.000Z",
                                      "net": 112.11,
                                      "gross": 112.11
                                  },
                                  {
                                      "month": "2025-10-01T06:00:00.000Z",
                                      "net": 383.25,
                                      "gross": 383.25
                                  },
                                  {
                                      "month": "2025-12-01T07:00:00.000Z",
                                      "net": 104.09,
                                      "gross": 104.09
                                  },
                                  {
                                      "month": "2026-01-01T07:00:00.000Z",
                                      "net": 69.16,
                                      "gross": 69.16
                                  },
                                  {
                                      "month": "2026-02-01T07:00:00.000Z",
                                      "net": 22.44,
                                      "gross": 22.44
                                  },
                                  {
                                      "month": "2026-03-01T07:00:00.000Z",
                                      "net": 121.87,
                                      "gross": 121.87
                                  },
                                  {
                                      "month": "2026-05-01T06:00:00.000Z",
                                      "net": 117.42,
                                      "gross": 117.42
                                  },
                                  {
                                      "month": "2026-06-01T06:00:00.000Z",
                                      "net": 88.26,
                                      "gross": 88.26
                                  },
                                  {
                                      "month": "2026-07-01T06:00:00.000Z",
                                      "net": 83.45,
                                      "gross": 83.45
                                  },
                                  {
                                      "month": "2026-08-01T06:00:00.000Z",
                                      "net": 20.2,
                                      "gross": 20.2
                                  }
                              ],
                              "net_annual": 1010.14,
                              "projected_net_annual": 0.0,
                              "estimated_gross_annual": 1010.14,
                              "projected_gross_annual": 0.0,
                              "average_monthly_income_net": 84.18,
                              "average_monthly_income_gross": 84.18,
                              "income_stream_months": 14,
                              "transactions": [
                                  {
                                      "id": 17620349293,
                                      "amount": 20.2,
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                                      "description": "CASHOUT VENMO",
                                      "normalized_payee": "Venmo",
                                      "institution_transaction": "0000000000",
                                      "category": "Transfer"
                                  },
                                  {
                                      "id": 17620349452,
                                      "amount": 83.45,
                                      "posted_date": "2026-07-03T12:00:00.000Z",
                                      "description": "CASHOUT VENMO DEUTSCH A",
                                      "normalized_payee": "Venmo",
                                      "institution_transaction": "0000000000",
                                      "category": "Transfer"
                                  },
                                  {
                                      "id": 17620349290,
                                      "amount": 88.26,
                                      "posted_date": "2026-06-28T12:00:00.000Z",
                                      "description": "CASHOUT VENMO <> DEUTSCH A",
                                      "normalized_payee": "Venmo",
                                      "institution_transaction": "0000000000",
                                      "category": "Transfer"
                                  },
                                  {
                                      "id": 17620349454,
                                      "amount": 25.75,
                                      "posted_date": "2026-05-18T12:00:00.000Z",
                                      "description": "CASHOUT VENMO",
                                      "normalized_payee": "Venmo",
                                      "institution_transaction": "0000000000",
                                      "category": "Transfer"
                                  },
                                  {
                                      "id": 17620349490,
                                      "amount": 15.45,
                                      "posted_date": "2026-05-16T12:00:00.000Z",
                                      "description": "CASHOUT VENMO",
                                      "normalized_payee": "Venmo",
                                      "institution_transaction": "0000000000",
                                      "category": "Transfer"
                                  },
                                  {
                                      "id": 17620349227,
                                      "amount": 76.22,
                                      "posted_date": "2026-05-08T12:00:00.000Z",
                                      "description": "CASHOUT VENMO",
                                      "normalized_payee": "Venmo",
                                      "institution_transaction": "0000000000",
                                      "category": "Transfer"
                                  },
                                  {
                                      "id": 17620349265,
                                      "amount": 121.87,
                                      "posted_date": "2026-03-17T12:00:00.000Z",
                                      "description": "CASHOUT VENMO",
                                      "normalized_payee": "Venmo",
                                      "institution_transaction": "0000000000",
                                      "category": "Transfer"
                                  },
                                  {
                                      "id": 17620349316,
                                      "amount": 22.44,
                                      "posted_date": "2026-02-15T12:00:00.000Z",
                                      "description": "CASHOUT VENMO",
                                      "normalized_payee": "Venmo",
                                      "institution_transaction": "0000000000",
                                      "category": "Transfer"
                                  },
                                  {
                                      "id": 17620349381,
                                      "amount": 69.16,
                                      "posted_date": "2026-01-03T12:00:00.000Z",
                                      "description": "CASHOUT VENMO",
                                      "normalized_payee": "Venmo",
                                      "institution_transaction": "0000000000",
                                      "category": "Transfer"
                                  },
                                  {
                                      "id": 17620349301,
                                      "amount": 104.09,
                                      "posted_date": "2025-12-22T12:00:00.000Z",
                                      "description": "CASHOUT VENMO",
                                      "normalized_payee": "Venmo",
                                      "institution_transaction": "0000000000",
                                      "category": "Transfer"
                                  },
                                  {
                                      "id": 17620349366,
                                      "amount": 101.0,
                                      "posted_date": "2025-10-12T12:00:00.000Z",
                                      "description": "CASHOUT VENMO",
                                      "normalized_payee": "Venmo",
                                      "institution_transaction": "0000000000",
                                      "category": "Transfer"
                                  },
                                  {
                                      "id": 17620349485,
                                      "amount": 50.5,
                                      "posted_date": "2025-10-11T12:00:00.000Z",
                                      "description": "CASHOUT VENMO",
                                      "normalized_payee": "Venmo",
                                      "institution_transaction": "0000000000",
                                      "category": "Transfer"
                                  },
                                  {
                                      "id": 17620349163,
                                      "amount": 231.75,
                                      "posted_date": "2025-10-11T12:00:00.000Z",
                                      "description": "CASHOUT VENMO",
                                      "normalized_payee": "Venmo",
                                      "institution_transaction": "0000000000",
                                      "category": "Transfer"
                                  },
                                  {
                                      "id": 17620349200,
                                      "amount": 112.11,
                                      "posted_date": "2025-08-29T12:00:00.000Z",
                                      "description": "CASHOUT VENMO",
                                      "normalized_payee": "Venmo",
                                      "institution_transaction": "0000000000",
                                      "category": "Transfer"
                                  },
                                  {
                                      "id": 17620349215,
                                      "amount": 142.41,
                                      "posted_date": "2025-07-20T12:00:00.000Z",
                                      "description": "CASHOUT VENMO",
                                      "normalized_payee": "Venmo",
                                      "institution_transaction": "0000000000",
                                      "category": "Transfer"
                                  }
                              ]
                          },
                          {
                              "id": "q3senvchs15n3",
                              "name": "unrecognized entity",
                              "status": "INACTIVE",
                              "estimate_inclusion": "HIGH",
                              "confidence": 100,
                              "cadence": {
                                  "start_date": "2025-07-12T12:00:00.000Z",
                                  "stop_date": "2026-07-19T12:00:00.000Z",
                                  "days": 22
                              },
                              "net_monthly": [
                                  {
                                      "month": "2025-07-01T06:00:00.000Z",
                                      "net": 1466.32,
                                      "gross": 1801.83
                                  },
                                  {
                                      "month": "2025-08-01T06:00:00.000Z",
                                      "net": 303.0,
                                      "gross": 372.33
                                  },
                                  {
                                      "month": "2025-10-01T06:00:00.000Z",
                                      "net": 1767.5,
                                      "gross": 2171.93
                                  },
                                  {
                                      "month": "2025-11-01T06:00:00.000Z",
                                      "net": 1515.0,
                                      "gross": 1861.65
                                  },
                                  {
                                      "month": "2026-07-01T06:00:00.000Z",
                                      "net": 101.0,
                                      "gross": 124.11
                                  }
                              ],
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      "seasoned": true,
      "start_date": "2024-09-16T21:04:48.000Z",
      "title": "Mastercard Open Banking Verification of Assets and Income - Transactions"
  }
  ```
</Accordion>

## The report object


# Generate a banking report
Source: https://docs.argyle.com/api-reference/banking-reports/generate-a-banking-report

post /v2/open-banking/reports/{type}
Generates a new banking report and returns a report object.




# Connect URL
Source: https://docs.argyle.com/api-reference/connect-url

openAPI/open-banking.yaml post /v2/open-banking/connect
Create session links for bank authentications.

Connect URLs are temporary, user-specific links that redirect users to securely authenticate and authorize access to their bank data.


# Create a Connect URL
Source: https://docs.argyle.com/api-reference/connect-url/create-a-connect-url

post /v2/open-banking/connect
Creates a new Connect URL for the specified user.




# Deposit Destinations
Source: https://docs.argyle.com/api-reference/deposit-destinations

Where paychecks are sent, and how they are allocated.

## The deposit destination object


# List All Deposit Destinations
Source: https://docs.argyle.com/api-reference/deposit-destinations/list-all-deposit-destinations

get /v2/deposit-destinations
Returns a paginated list of all deposit destination objects.




# Retrieve A Deposit Destination
Source: https://docs.argyle.com/api-reference/deposit-destinations/retrieve-a-deposit-destination

get /v2/deposit-destinations/{id}
Retrieves a deposit destination object.




# Document Verifications
Source: https://docs.argyle.com/api-reference/documents-overview

Implementation guide for document-based income verifications.

<Warning>This workflow has been deprecated in favor of the current verification workflow for payroll, banking, and Doc VOI. See the [Verifications Guide](/verifications/overview) to learn more.</Warning>

## Overview

Receive Freddie Mac monthly income calculations from uploaded paystubs and W2s.

* Upload paystubs and W-2s when borrower cannot connect via Argyle with a direct payroll login
* Generate an Argyle Doc VOI report with rep & warrant determination for income and employment

<Frame>
  <img alt="Argyle Doc VOI report PDF" />
</Frame>

## Supported report types

* <a href="https://res.cloudinary.com/argyle-media/image/upload/v1764784423/docs-2025/doc_voi_example.pdf">Verification of Income (Doc VOI)</a>

## Workflow

Argyle's [Postman collection](/api-guide/postman) contains examples of the document upload and verification endpoints mentioned below.

### Subscribe to webhook

1. Subscribe to the [verifications.updated](/api-reference/verifications-webhooks/updated) webhook.

<Note>
  When subscribing, it is recommended to set `include_resource` to `true` to receive the full verification object in the webhook payload, which includes the verification's status `state`.
</Note>

### Request a verification

1. Order a verification through the [`/verifications`](/api-reference/verifications/order-a-verification) API endpoint.

In your request, at minimum you are required to provide:

* Borrower details: first name, last name, and ssn
* Employment details: employer name(s), employment status, hire date, and termination date (for previous employments)

<Note>
  One year and one month of previous employment history is required.
</Note>

2. After ordering a verification through this legacy workflow, an Argyle user will be created automatically. The `user` id will be returned in the API response.

<Note>
  For current Doc VOI implementations, use the [Doc VOI Guide](/verifications/verification-types/document-voi). The current flow supports ordering a new Doc VOI verification for an existing user when refreshing a report with additional documents.
</Note>

### Upload documents

3. Upload documents for the `user` through the [`/user-uploads`](/api-reference/user-uploads#upload) API endpoint.

<Note>
  Most recent paystub and previous year W-2s or December paystubs for each employment are typically required. <br />*— Contact your Argyle customer success manager for more information.*
</Note>

### Retrieve Doc VOI report

1. When a `verifications.updated` webhook is received and the status `state` is `COMPLETED`, a Doc VOI report can be retrieved via:

* [`file_url`](/api-reference/verifications/retrieve-a-verification) — retrieves PDF report
* [`json_url`](/api-reference/verifications/retrieve-a-verification) — retrieves report in JSON format

## Testing

### Sandbox

<Accordion title="Successful verification with GSE-eligible monthly income">
  1. Order a verification and use the following for the `employments` array:
     ```json theme={}
     "employments": [
         {
             "employer": "Warehouse Services Inc",
             "status": "active",
             "hire_date": "2023-02-01",
             "termination_date": null
         }
     ],
     ```

  2. Upload the following documents:

  <Note>
    Do not adjust file names.
  </Note>

  * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/Warehouse_Services_Inc_paystub.pdf">Warehouse\_Services\_Inc\_paystub.pdf</a>
  * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/Warehouse_Services_Inc_paystub_2025.pdf">Warehouse\_Services\_Inc\_paystub\_2025.pdf</a>
  * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/Warehouse_Services_Inc_paystub_2024.pdf">Warehouse\_Services\_Inc\_paystub\_2024.pdf</a>
</Accordion>

<Accordion title="Successful verification with monthly income that is not GSE-eligible">
  1. Order a verification and use the following for the `employments` array:
     ```json theme={}
     "employments": [
         {
             "employer": "Warehouse Services Inc",
             "status": "active",
             "hire_date": "2023-02-01",
             "termination_date": null
         }
     ],
     ```

  2. Upload the following documents:

  <Note>
    Do not adjust file names.
  </Note>

  * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2025/Warehouse_Services_Inc_paystub_ineligible.pdf">Warehouse\_Services\_Inc\_ineligible.pdf</a>
  * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/Warehouse_Services_Inc_paystub_2025.pdf">Warehouse\_Services\_Inc\_paystub\_2025.pdf</a>
  * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2025/Warehouse_Services_Inc_paystub_2024.pdf">Warehouse\_Services\_Inc\_paystub\_2024.pdf</a>
</Accordion>

<Accordion title="Verification that enters the PAUSED state (more data required)">
  1. Order a verification and use the following for the `employments` array:
     ```json theme={}
     "employments": [
         {
             "employer": "Warehouse Services Inc",
             "status": "active",
             "hire_date": "2023-02-01",
             "termination_date": null
         }
     ],
     ```

  2. Upload only the following documents:

  <Note>
    Do not adjust the file name.
  </Note>

  * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/Warehouse_Services_Inc_paystub.pdf">Warehouse\_Services\_Inc\_paystub.pdf</a>
</Accordion>

### Production

<Note>
  Production testing can be done with real documents. If needed, the below test documents can also be used.
</Note>

<Accordion title="Successful verification with GSE-eligible monthly income">
  1. Order a verification and use the following for the `employments` array:
     ```json theme={}
     "employments": [
         {
             "employer": "Warehouse Services Inc",
             "status": "active",
             "hire_date": "2023-02-01",
             "termination_date": null
         }
     ],
     ```

  2. Upload the following documents:

  <Note>
    Do not adjust file names.
  </Note>

  * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/sandbox_Warehouse_Services_Inc_paystub.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub.pdf</a>
  * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/sandbox_Warehouse_Services_Inc_paystub_2025.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub\_2025.pdf</a>
  * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/sandbox_Warehouse_Services_Inc_paystub_2024.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub\_2024.pdf</a>
</Accordion>

<Accordion title="Successful verification with monthly income that is not GSE-eligible">
  1. Order a verification and use the following for the `employments` array:
     ```json theme={}
     "employments": [
         {
             "employer": "Warehouse Services Inc",
             "status": "active",
             "hire_date": "2023-02-01",
             "termination_date": null
         }
     ],
     ```

  2. Upload the following documents:

  <Note>
    Do not adjust file names.
  </Note>

  * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2025/sandbox_Warehouse_Services_Inc_paystub_ineligible.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub\_ineligible.pdf</a>
  * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/sandbox_Warehouse_Services_Inc_paystub_2025.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub\_2025.pdf</a>
  * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/sandbox_Warehouse_Services_Inc_paystub_2024.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub\_2024.pdf</a>
</Accordion>

<Accordion title="Verification that enters the PAUSED state (more data required)">
  1. Order a verification and use the following for the `employments` array:
     ```json theme={}
     "employments": [
         {
             "employer": "Warehouse Services Inc",
             "status": "active",
             "hire_date": "2023-02-01",
             "termination_date": null
         }
     ],
     ```

  2. Upload only the following documents:

  <Note>
    Do not adjust the file name.
  </Note>

  * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/sandbox_Warehouse_Services_Inc_paystub.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub.pdf</a>
</Accordion>

## FAQs

<Accordion title="File types & max file size accepted for uploaded documents?">
  * PDF, JPEG, PNG, HEIC file types accepted
  * 16MB max file size
</Accordion>

<Accordion title="If correct document are uploaded, will monthly calculations and GSE eligibility always be given?">
  * No, additional criteria may not be met.*— For example, calculations and rep & warrant relief is not given when there is excessive fluctuation in income over time.*
</Accordion>

<Accordion title="How long is income rep & warrant relief given?">
  * 120 days
</Accordion>

<Accordion title="How long is employment rep & warrant relief given?">
  * Variable.
  * Exact amount is 14 days from the pay date of the most recent paystub.*— For example, if today is July 31, 2025 and the most recent paystub uploaded had a pay date of July 21, 2025, only 4 days of employment rep & warrant relief would be given.*
</Accordion>


# Employer Search
Source: https://docs.argyle.com/api-reference/employer-search

Use the employer search endpoint to create free-text employer search inputs in your applications.

* The endpoint returns a list of [Items](/api-reference/items) that best match the user's query.
* Visually display the Item results in your search dropdown. Search results can be continuously updated real-time as the user enters their employer name letter-by-letter.
* When the user selects the Item that represents their employer, the Item's `id` returned by the endpoint can be used to directly connect users to that specific Item in Link using the [direct login](/workflows/account-connections#direct-login) method.

<Note>
  Visit our [Employer Search Guide](/overview/employer-search) for an in-depth overview, example search demo, and Github sample project.
</Note>

## The employer search object


# List All Employers
Source: https://docs.argyle.com/api-reference/employer-search/list-all-employers

get /v2/employer-search
Returns a paginated list of all Item objects, representing the most relevant search results.




# Employments
Source: https://docs.argyle.com/api-reference/employments

Individual employments associated with a user or account.

## The employment object


# List All Employments
Source: https://docs.argyle.com/api-reference/employments/list-all-employments

get /v2/employments
Returns a paginated list of all employment objects.

<Note>
  Either `user` or `account` query parameter must be used.
</Note>


# Financial Institutions
Source: https://docs.argyle.com/api-reference/financial-institutions

Explore supported financial institutions for banking connections.



# List all institutions
Source: https://docs.argyle.com/api-reference/financial-institutions/list-all-institutions

get /v2/open-banking/institutions
Returns a paginated list of supported financial institutions.




# Retrieve an institution
Source: https://docs.argyle.com/api-reference/financial-institutions/retrieve-an-institution

get /v2/open-banking/institutions/{institution_id}
Retrieves a financial institution.




# Gigs
Source: https://docs.argyle.com/api-reference/gigs

Retrieve information specific to gig employments.

## The gig object


# Gigs.added webhook
Source: https://docs.argyle.com/api-reference/gigs-webhooks/added

openAPI/gigs-webhooks-added.yaml post /v2/webhooks
The `gigs.added` webhook is sent only when an account's data is refreshed (does not include initial data retrieval) and a new gig is retrieved.


Sent when gigs are added, updated, or removed.

If you need to access to gig data as soon as it is available:

* The `gigs.partially_synced` webhook is sent when gigs going back a specified number of days prior (starting from the date [when the account was added](/api-reference/accounts-webhooks/added)) have been retrieved during initial data retrieval for a newly connected account.
* The `gigs.fully_synced` webhook is sent when all gigs have been retrieved during initial data retrieval for a newly connected account.

Because some accounts can contain thousands of gigs, we recommend subscribing to the `gigs.partially_synced` webhook when especially time-sensitive. The `gigs.fully_synced` webhook will only be sent when all gig data has been retrieved, which may take up to several hours in these cases.


# Gigs.fully_synced webhook
Source: https://docs.argyle.com/api-reference/gigs-webhooks/fully-synced

openAPI/gigs-webhooks-fully-synced.yaml post /v2/webhooks
The `gigs.fully_synced` webhook is sent when all gigs have been retrieved from a newly connected payroll account.




# Gigs.partially_synced webhook
Source: https://docs.argyle.com/api-reference/gigs-webhooks/partially-synced

openAPI/gigs-webhooks-partially-synced.yaml post /v2/webhooks
The gigs.partially_synced webhook is sent after the requested range of historical gig data has been retrieved.

By default, the historical period is 30 days and starts from the date [when the account was added](/api-reference/accounts-webhooks/added).

<Tip>You can subscribe to this webhook multiple times with different numbers of specified days.</Tip>

<Note>
  Of note:

  * This webhook is sent only during initial data retrieval (not [ongoing refresh](/overview/ongoing-refresh)).
  * If the number of gigs for an account is small and captured completely with only one data pull, this webhook will not be sent. Instead the `gigs.fully_synced` webhook will be sent.
</Note>


# Gigs.removed webhook
Source: https://docs.argyle.com/api-reference/gigs-webhooks/removed

openAPI/gigs-webhooks-removed.yaml post /v2/webhooks
The `gigs.removed` webhook is sent when a gig object has been deleted after a previous gig was not found when an account's data was refreshed.




# Gigs.updated webhook
Source: https://docs.argyle.com/api-reference/gigs-webhooks/updated

openAPI/gigs-webhooks-updated.yaml post /v2/webhooks
The `gigs.updated` webhook is sent when there is any change to a property value of the [gig object](/api-reference/gigs/overview).

For example, after a gig assignment is completed the gig object's `status` value changes from `in_progress` to `completed`.




# List All Gigs
Source: https://docs.argyle.com/api-reference/gigs/list-all-gigs

get /v2/gigs
Returns a paginated list of all gig objects.




# Retrieve A Gig
Source: https://docs.argyle.com/api-reference/gigs/retrieve-a-gig

get /v2/gigs/{id}
Retrieves a gig object.




# Identities
Source: https://docs.argyle.com/api-reference/identities

Profile and employment information.

## The identity object


# Identities.added webhook
Source: https://docs.argyle.com/api-reference/identities-webhooks/added

openAPI/identities-webhooks-added.yaml post /v2/webhooks

The `identities.added` webhook is sent when a new identity object is created, typically during initial data retrieval.


Sent when an identity object is created or updated.


# Identities.updated webhook
Source: https://docs.argyle.com/api-reference/identities-webhooks/updated

openAPI/identities-webhooks-updated.yaml post /v2/webhooks
The `identities.updated` webhook is sent when there is any change to a property value of an [identity object](/api-reference/identities#object).




# List All Identities
Source: https://docs.argyle.com/api-reference/identities/list-all-identities

get /v2/identities
Returns a paginated list of all identity objects.




# Retrieve An Identity
Source: https://docs.argyle.com/api-reference/identities/retrieve-an-identity

get /v2/identities/{id}
Retrieves an identity object.




# Invites
Source: https://docs.argyle.com/api-reference/invites

Email or text users a URL connecting them to Link.

<Note>
  If integrating via verifications, use [`POST /v2/sessions`](/api-reference/verifications/create-a-session).
</Note>

1. Adjust the invite text or branding through <a href="https://console.argyle.com/settings/invite-template">Invite settings</a> in Console.
2. Send invites to users via email, SMS, or both.
3. Re-send an invite if a user needs to [return to Link](/console/flows/email-sms-templates#reconnecting-existing-users), or lost their original invite.

## The invite object


# List All Invites
Source: https://docs.argyle.com/api-reference/invites/list-all-invites

get /v2/invites
Returns an object containing all invite objects.




# Re-send an invite
Source: https://docs.argyle.com/api-reference/invites/re-send-an-invite

post /v2/invites/{id}
Re-sends a previously sent invite. Updates the `updated_at` and `invited_at` time.




# Retrieve An Invite
Source: https://docs.argyle.com/api-reference/invites/retrieve-an-invite

get /v2/invites/{id}
Retrieves an invite object.




# Revoke An Invite
Source: https://docs.argyle.com/api-reference/invites/revoke-an-invite

post /v2/invites/{id}/revoke
Invalidates a previously sent invite.

If a user clicks a revoked invite URL, the landing page will notify the user the invite has expired.




# Send An Invite
Source: https://docs.argyle.com/api-reference/invites/send-an-invite

post /v2/invites
Immediately sends an invite via email, SMS, or both.
Returns an invite object in the response.




# Item Filters
Source: https://docs.argyle.com/api-reference/item-filters

Create custom filters that can be used as a search parameter when listing Items.



# Create An Item Filter
Source: https://docs.argyle.com/api-reference/item-filters/create-an-item-filter

post /v2/item-filters
Creates an Item filter using field coverage or Item status properties.

Filters are applied to properties of the `field_coverage` object of [Items](/api-reference/items#object) using the comparison operators below. You can also filter Items by their `status` property using the `eq` operator.

The name and ID of the new Item filter are returned in the response, which can be used as a query parameter when [listing Items](/api-reference/items#list).

## Comparison operators

* `eq` — equals
* `gt` — greater than
* `gte` — greater than or equal to
* `lt` — less than
* `lte` — less than or equal to


# Delete An Item Filter
Source: https://docs.argyle.com/api-reference/item-filters/delete-an-item-filter

delete /v2/item-filters/{id}
Deletes an Item filter.




# List All Item Filters
Source: https://docs.argyle.com/api-reference/item-filters/list-all-item-filters

get /v2/item-filters
Returns a paginated list of all Item filters.




# Replace An Item Filter
Source: https://docs.argyle.com/api-reference/item-filters/replace-an-item-filter

put /v2/item-filters/{id}
Replaces the filters of an Item filter with a new set of filters.




# Retrieve An Item Filter
Source: https://docs.argyle.com/api-reference/item-filters/retrieve-an-item-filter

get /v2/item-filters/{id}
Retrieves an Item filter.




# Items
Source: https://docs.argyle.com/api-reference/items

Users connect their payroll accounts through **Items** in Link.

Our [Items guide](/overview/data-structure/items) provides more information on how to retrieve:

* Which data fields an Item supports, and how often an Item is re-scanned for new data.
* Whether an Item is `healthy` and supports new connections or is experiencing issues.
* What data limits or other constraints the Item's underlying payroll system has, if any.

## The Item object


# Items.removed webhook
Source: https://docs.argyle.com/api-reference/items-webhooks/removed

openAPI/items-webhooks-removed.yaml post /v2/webhooks
The `items.removed` webhook is sent when an existing Item is `deleted` and removed from Link.
<Warning>
The `config` parameter is **required** when subscribing to the `items.removed` webhook.
</Warning>




# Items.updated webhook
Source: https://docs.argyle.com/api-reference/items-webhooks/updated

openAPI/items-webhooks-updated.yaml post /v2/webhooks

The `items.updated` webhook is sent when there is any change to a property value of an [Item object](/api-reference/items#object).

<Warning>
The `config` parameter is **required** when subscribing to the `items.updated` webhook.
</Warning>


Sent when Items are updated or removed.

<Note>
  Subscribing to all webhooks at once [via Console](/console/management/webhooks#subscribing-to-webhooks) or [via the API](/api-guide/webhooks#subscribing-to-webhooks) will not create subscriptions to Items webhooks, which must be subscribed to individually with specific Items listed within the `config` parameter.
</Note>


# List All Items
Source: https://docs.argyle.com/api-reference/items/list-all-items

get /v2/items
Returns a paginated list of all Item objects.




# Migrate a Link Item ID
Source: https://docs.argyle.com/api-reference/items/migrate-a-link-item-id

post /v2/item-migrations
Returns the Item ID's that correspond to a provided list of Link item ID's.

- Link item ID's were used in Link 4 initializations.
- Item ID's are used in [Link 5 initializations](/link/initialization).

Item ID's use the convention: "item_[9 digits]" - `"item_123456789"` for example.




# Retrieve An Item
Source: https://docs.argyle.com/api-reference/items/retrieve-an-item

get /v2/items/{id}
Retrieves an Item object.




# API Reference
Source: https://docs.argyle.com/api-reference/overview

Find the API endpoint you need.

Use this section for endpoint schemas, examples, webhooks, and errors. For implementation guidance, start with [Guides](/guides) or [Verticals](/verticals).

<CardGroup>
  <Card title="Verifications" icon="badge-check" href="/api-reference/verifications/order-a-verification">
    Order and track payroll, banking, Doc VOI, and government verification reports.
  </Card>

  <Card title="Payroll Data Sets" icon="database" href="/api-reference/identities">
    Retrieve identities, paystubs, payroll documents, and work records from connected payroll accounts.
  </Card>

  <Card title="Supporting APIs" icon="diagram-project" href="/api-reference/users">
    Create users, manage accounts and invites, inspect coverage, and handle errors.
  </Card>

  <Card title="Webhooks" icon="bell" href="/api-reference/verifications-webhooks/updated">
    Track verification, account, and data changes and manage webhook subscriptions.
  </Card>
</CardGroup>


# List All Accounts
Source: https://docs.argyle.com/api-reference/partners-data-sets/list-all-accounts

openAPI/verifications-partners.yaml get /partners/v2/accounts
Returns a paginated list of all account objects.




# List all payroll documents
Source: https://docs.argyle.com/api-reference/partners-data-sets/list-all-payroll-documents

openAPI/verifications-partners.yaml get /partners/v2/payroll-documents
Returns a paginated list of all payroll document objects.



# List all paystubs
Source: https://docs.argyle.com/api-reference/partners-data-sets/list-all-paystubs

openAPI/verifications-partners.yaml get /partners/v2/paystubs
Returns a paginated list of all paystub objects.

You must provide at least one of the following query parameters: `account`, `user`, or `employment`.


# Retrieve a payroll document
Source: https://docs.argyle.com/api-reference/partners-data-sets/retrieve-a-payroll-document

openAPI/verifications-partners.yaml get /partners/v2/payroll-documents/{id}
Retrieves a payroll document object.



# Retrieve a paystub
Source: https://docs.argyle.com/api-reference/partners-data-sets/retrieve-a-paystub

openAPI/verifications-partners.yaml get /partners/v2/paystubs/{id}
Retrieves a paystub object.



# Retrieve An Account
Source: https://docs.argyle.com/api-reference/partners-data-sets/retrieve-an-account

openAPI/verifications-partners.yaml get /partners/v2/accounts/{id}
Retrieves an account object.




# Receipts
Source: https://docs.argyle.com/api-reference/partners-receipts

openAPI/verifications-partners.yaml post /partners/v2/receipts
Returns a PDF listing all billable transactions associated with the user.

<Warning>
  Receipt generation is only available in Production. The receipts endpoint is not supported in Sandbox.
</Warning>

## Example receipt

<Frame>
  <img alt="Example Argyle billing receipt." />
</Frame>


# Cancel a verification
Source: https://docs.argyle.com/api-reference/partners-verifications/cancel-a-verification

openAPI/verifications-partners.yaml post /partners/v2/verifications/{id}/cancel
Cancels a verification order.

<Note>
Only verifications in the `PAUSED` state can be cancelled.
</Note>




# Create a session
Source: https://docs.argyle.com/api-reference/partners-verifications/create-a-session

openAPI/verifications-partners.yaml post /partners/v2/sessions
Create a connection session or send an invite.

* For an embedded session, provide `verification`. The response returns a `link` to launch or embed the frontend experience. The `link` expires after one hour.

* For an invite, first create the user and at least one active verification. Set `type` to `invite`, provide `user`, and include `configuration.email`, `configuration.phone_number`, or both. The invite link expires after 180 days or when revoked.

<Note>This endpoint is for payroll and banking verifications only.</Note>


# Create a user
Source: https://docs.argyle.com/api-reference/partners-verifications/create-a-user

openAPI/verifications-partners.yaml post /partners/v2/users
Creates a new user object for partner verification workflows.

<Note>
  Set `external_metadata.suppress_verification` to `true` to prevent an automatic payroll verification when creating the user. Then explicitly order the verification you need. See the [Partner Quickstart](/partners/quickstart).
</Note>


# List all verifications
Source: https://docs.argyle.com/api-reference/partners-verifications/list-all-verifications

openAPI/verifications-partners.yaml get /partners/v2/verifications
Returns a paginated list of all verification objects.



# Order a verification
Source: https://docs.argyle.com/api-reference/partners-verifications/order-a-verification

openAPI/verifications-partners.yaml post /partners/v2/verifications
Orders a new verification.

<Note>
[Create a user](/verifications/platform-partners#create-the-user) or update an existing user with the required details before ordering payroll, banking, or document verifications.
</Note>



# Refresh a verification
Source: https://docs.argyle.com/api-reference/partners-verifications/refresh-a-verification

openAPI/verifications-partners.yaml post /partners/v2/verifications/refresh
Creates a new payroll, banking, or Doc VOI verification without requiring the user to reconnect or upload additional documents.

For payroll and banking, a valid connection must already exist. For Doc VOI, the new report is generated from the user's existing uploaded documents.

The new verification inherits `loan.division` from the original verification.



# Retrieve a verification
Source: https://docs.argyle.com/api-reference/partners-verifications/retrieve-a-verification

openAPI/verifications-partners.yaml get /partners/v2/verifications/{id}
Retrieves a verification.



# Update a user
Source: https://docs.argyle.com/api-reference/partners-verifications/update-a-user

openAPI/verifications-partners.yaml patch /partners/v2/users/{id}
Updates a user object.



# Update a verification
Source: https://docs.argyle.com/api-reference/partners-verifications/update-a-verification

openAPI/verifications-partners.yaml patch /partners/v2/verifications/{id}
Updates verification metadata or employments.

<Note>
After a verification is updated, it will re-enter the `PROCESSING` state.
</Note>




# Upload a document
Source: https://docs.argyle.com/api-reference/partners-verifications/upload-a-document

openAPI/verifications-partners.yaml post /partners/v2/user-uploads
Upload a document via the API.

Upload a document via the API.

<Note>
  Can be used in combination with [OCR processing](/integrations/ocr/ocrolus).
</Note>


# Verifications.connection_added webhook
Source: https://docs.argyle.com/api-reference/partners-webhooks/connection-added

openAPI/verifications-partners-webhooks-connection-added.yaml post /partners/v2/webhooks
Sent when a new payroll account or banking institution is connected after a verification is completed or cancelled.



# Create a webhook
Source: https://docs.argyle.com/api-reference/partners-webhooks/create-a-webhook

openAPI/webhooks.yaml post /partners/v2/webhooks
Creates a webhook subscription.


For webhook verification and retry behavior, see the [Webhooks guide](/api-guide/webhooks).


# Verifications.creation_failed webhook
Source: https://docs.argyle.com/api-reference/partners-webhooks/creation-failed

openAPI/verifications-partners-webhooks-creation-failed.yaml post /partners/v2/webhooks
The `verifications.creation_failed` webhook is sent when Argyle fails to create a verification.




# Delete a webhook
Source: https://docs.argyle.com/api-reference/partners-webhooks/delete-a-webhook

openAPI/webhooks.yaml delete /partners/v2/webhooks/{id}
Deletes a webhook subscription.




# List all webhooks
Source: https://docs.argyle.com/api-reference/partners-webhooks/list-all-webhooks

openAPI/webhooks.yaml get /partners/v2/webhooks
Returns a paginated list of webhook subscriptions.




# Retrieve a webhook
Source: https://docs.argyle.com/api-reference/partners-webhooks/retrieve-a-webhook

openAPI/webhooks.yaml get /partners/v2/webhooks/{id}
Retrieves a webhook subscription.




# Verifications.updated webhook
Source: https://docs.argyle.com/api-reference/partners-webhooks/updated

openAPI/verifications-partners-webhooks-updated.yaml post /partners/v2/webhooks
The verifications.updated webhook is sent when a verification's status changes.

<Accordion title="The verifications.updated webhook is sent for the following status codes:">
  | Verification state | `status.code`            | Data source                     |
  | ------------------ | ------------------------ | ------------------------------- |
  | `PENDING`          | `invite_sent`            | Payroll and Banking             |
  | `PROCESSING`       | `authenticated`          | Payroll and Banking             |
  | `PROCESSING`       | `documents_processing`   | Documents                       |
  | `PROCESSING`       | `report_generating`      | Payroll                         |
  | `PROCESSING`       | `awaiting_certification` | Payroll                         |
  | `PAUSED`           | `connection_attempted`   | Payroll and Banking             |
  | `PAUSED`           | `more_data_required`     | Documents                       |
  | `PAUSED`           | `syncing_error`          | Payroll and Banking             |
  | `CANCELLED`        | `system_error`           | Payroll and Banking             |
  | `CANCELLED`        | `argyle_timeout`         | Payroll, Documents, and Banking |
  | `COMPLETED`        | `completed`              | Payroll, Documents, and Banking |
  | `COMPLETED`        | `completed_with_errors`  | Payroll, Documents, and Banking |
</Accordion>

Set `config.include_resource = true` to receive the full verification object in the webhook you receive and inspect the `status.code`.


# Payroll Documents
Source: https://docs.argyle.com/api-reference/payroll-documents

Retrieve metadata and PDF's of paystubs, tax forms, and other payroll documents.

## The payroll document object

Additional scanned information from 1099 and W-2 documents retrieved from connected payroll accounts is returned in the payroll document object.

* For scanned paystub information, use the [Paystubs API endpoint](/api-reference/paystubs).
* For uploaded document information, use the [User Uploads API endpoint](/api-reference/user-uploads/overview).


# Payroll Documents.added webhook
Source: https://docs.argyle.com/api-reference/payroll-documents-webhooks/added

openAPI/payroll-documents-webhooks-added.yaml post /v2/webhooks

The `payroll_documents.added` webhook is sent when a new [payroll document](/api-reference/payroll-documents#object) is retrieved from a connected account.


Sent when payroll document events occur.


# Payroll Documents.ocr_completed webhook
Source: https://docs.argyle.com/api-reference/payroll-documents-webhooks/ocr-completed

openAPI/payroll-documents-webhooks-ocr-completed.yaml post /v2/webhooks

The `payroll_documents.ocr_completed` webhook is sent when Argyle has finished scanning a 1099 or W-2 document retrieved from a connected payroll account. The scanned information can be found within the `ocr_data` object when retrieving a [payroll document](/api-reference/payroll-documents#object).




# Payroll Documents.ocr_failed webhook
Source: https://docs.argyle.com/api-reference/payroll-documents-webhooks/ocr-failed

openAPI/payroll-documents-webhooks-ocr-failed.yaml post /v2/webhooks
The `payroll_documents.ocr_failed` webhook is sent when Argyle encounters an error while scanning a 1099 or W-2 document retrieved from a connected payroll account. The error that occurred will be returned within the `ocr_data` object of the [payroll document](/api-reference/payroll-documents).




# Payroll Documents.removed webhook
Source: https://docs.argyle.com/api-reference/payroll-documents-webhooks/removed

openAPI/payroll-documents-webhooks-removed.yaml post /v2/webhooks

The `payroll_documents.removed` webhook is sent when an individual payroll document is deleted from an account or otherwise not found during a [data refresh](/overview/ongoing-refresh).

<Warning>This webhook is not sent when an account is deleted via the API, or a user revokes access to their account.</Warning>




# Payroll Documents.updated webhook
Source: https://docs.argyle.com/api-reference/payroll-documents-webhooks/updated

openAPI/payroll-documents-webhooks-updated.yaml post /v2/webhooks

The `payroll_documents.updated` webhook is sent when there is any change to a property value of a [payroll document object](/api-reference/payroll-documents) during a [data refresh](/overview/ongoing-refresh).




# List All Payroll Documents
Source: https://docs.argyle.com/api-reference/payroll-documents/list-all-payroll-documents

get /v2/payroll-documents
Returns a paginated list of all payroll document objects.




# Retrieve A Payroll Document
Source: https://docs.argyle.com/api-reference/payroll-documents/retrieve-a-payroll-document

get /v2/payroll-documents/{id}
Retrieves a payroll document object.




# Paystubs
Source: https://docs.argyle.com/api-reference/paystubs

The digital equivalent of a traditional paystub.

## The paystub object


# Paystubs.added webhook
Source: https://docs.argyle.com/api-reference/paystubs-webhooks/added

openAPI/paystubs-webhooks-added.yaml post /v2/webhooks
The `paystubs.added` webhook is sent only when an account's data is [refreshed](/overview/ongoing-refresh) (does not include initial data retrieval) and a new paystub is retrieved.


Sent when paystubs are added or updated.

If you need to access to paystubs as soon as they are available:

* The `paystubs.partially_synced` webhook is sent when paystubs going back a specified number of days prior (starting from the date [when the account was added](/api-reference/accounts-webhooks/added)) have been retrieved during initial data retrieval for a newly connected account.
* The `paystubs.fully_synced` webhook is sent when all paystubs have been retrieved during initial data retrieval for a newly connected account.


# Paystubs.fully_synced webhook
Source: https://docs.argyle.com/api-reference/paystubs-webhooks/fully-synced

openAPI/paystubs-webhooks-fully-synced.yaml post /v2/webhooks
The `paystubs.fully_synced` webhook is sent when all paystubs have been retrieved from a newly connected payroll account.




# Paystubs.partially_synced webhook
Source: https://docs.argyle.com/api-reference/paystubs-webhooks/partially-synced

openAPI/paystubs-webhooks-partially-synced.yaml post /v2/webhooks
The paystubs.partially_synced webhook is sent after the requested range of historical paystub data has been retrieved.

By default, the historical period is 30 days and starts from the date [when the account was added](/api-reference/accounts-webhooks/added).

<Note>
  You can subscribe to this webhook multiple times with different numbers of specified days.
</Note>

Of note:

* This webhook is sent only during initial data retrieval (not [ongoing refresh](/overview/ongoing-refresh)).
* If the number of paystubs for an account is small and captured completely with only one data pull, this webhook will not be sent. Instead the `paystubs.fully_synced` webhook will be sent.


# Paystubs.updated webhook
Source: https://docs.argyle.com/api-reference/paystubs-webhooks/updated

openAPI/paystubs-webhooks-updated.yaml post /v2/webhooks
The `paystubs.updated` webhook is sent when there is any change to a property value of the [paystub object](/api-reference/paystubs/overview).

For example, after a payment is sent the paystub object's `status` value changes from `scheduled` to `completed`.




# List All Paystubs
Source: https://docs.argyle.com/api-reference/paystubs/list-all-paystubs

get /v2/paystubs
Returns a paginated list of all paystub objects.




# Retrieve A Paystub
Source: https://docs.argyle.com/api-reference/paystubs/retrieve-a-paystub

get /v2/paystubs/{id}
Retrieves a paystub object.




# Ratings
Source: https://docs.argyle.com/api-reference/ratings

Achievement and task summary details for gig employments.

## The rating object


# Ratings.added webhook
Source: https://docs.argyle.com/api-reference/ratings-webhooks/added

openAPI/ratings-webhooks-added.yaml post /v2/webhooks
The `ratings.added` webhook is sent when a new ratings object has been added for a user.


Sent when a rating has been added or updated.


# Ratings.updated webhook
Source: https://docs.argyle.com/api-reference/ratings-webhooks/updated

openAPI/ratings-webhooks-updated.yaml post /v2/webhooks
The `ratings.updated` webhook is sent when there is any change to a property value of a [ratings object](/api-reference/ratings#object).




# List All Ratings
Source: https://docs.argyle.com/api-reference/ratings/list-all-ratings

get /v2/ratings
Returns a paginated list of all rating objects.




# Retrieve A Rating
Source: https://docs.argyle.com/api-reference/ratings/retrieve-a-rating

get /v2/ratings/{id}
Retrieves a rating object.




# Receipts
Source: https://docs.argyle.com/api-reference/receipts

post /v2/receipts
Returns a PDF listing all billable transactions associated with the user.

<Warning>
  Receipt generation is only available in Production. The receipts endpoint is not supported in Sandbox.
</Warning>

## Example receipt

<Frame>
  <img alt="Example Argyle billing receipt." />
</Frame>


# Reports
Source: https://docs.argyle.com/api-reference/reports

Generate PDF summaries based on Argyle's data sets.

<Info>
  The classic Reports API remains available for existing payroll integrations. For new report-based implementations, start with [Verifications](/verifications/overview).
</Info>

Before [generating a report](/api-reference/reports/generate-a-report):

* To ensure full data availability, we recommend subscribing to the [`reports.ready`](/api-reference/reports-webhooks/ready) webhook, which is sent when sufficient data has been retrieved to generate a verification report.
* Depending on the data retrieval speed limits of the underlying payroll platform, it can take from a few seconds up to several minutes after a new account connection before enough data has been synced to generate a complete report.
  * Visit [Data Delivery and Readiness](/overview/data-delivery) for more information on the timing of data retrieval.

After [generating a report](/api-reference/reports/generate-a-report):

* A new report object is created. Its `file_url` property contains a link to the PDF report, and the `accounts` array lists which accounts were used to generate the report.
* The PDF report will also appear and can be downloaded within Console.

**Example reports:**

<Accordion title="Verification of Employment (VOE) — PDF and JSON">
  [PDF](https://res.cloudinary.com/argyle-media/image/upload/v1746481161/docs-2025/voe_example.pdf)

  Report PDF

  <Frame>
    <img alt="Image of Argyle's Verification of Employment (VOE) report." />
  </Frame>

  ```json theme={}
  {
    "report_id": "6c3fa756-2e76-43e1-55f6-e29fc6ae535d",
    "type": "voe",
    "user_id": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
    "external_id": "March Connection",
    "created_at": "2023-03-26T09:19:08.916Z",
    "last_synced_at": "2023-03-24T12:41:21.576Z",
    "metadata": {},
    "employments": [
      {
        "employment": "0186a27d-e5c6-735a-a359-6315b34d544c",
        "account": "0187c66e-e7e5-811c-b006-2232f00f426a",
        "last_synced_at": "2023-03-24T12:41:21.576Z",
        "source": "Worknight",
        "first_name": "Bob",
        "last_name": "Jones",
        "full_name": "Bob Jones",
        "ssn": "522-09-1191",
        "employer": "Whole Goods",
        "employer_address": {
          "line1": "852 North W St",
          "line2": null,
          "city": "New York",
          "state": "NY",
          "postal_code": "10014",
          "country": "US"
        },
        "status": "active",
        "employment_type": "full-time",
        "job_title": "Store Manager",
        "start_date": "2020-08-28",
        "original_hire_date": "2020-08-28",
        "end_date": null,
        "length_of_work": {
          "years": "2",
          "months": "6"
        },
        "last_pay_period_end_date": "2023-03-22",
        "last_paystub_date": "2023-03-24"
      },
      {
        "employment": "0185a31d-e2c8-991c-a251-5977e36a418c",
        "account": "018728a2-2fe0-cdb4-9486-70b2fe9834f9",
        "last_synced_at": "2023-03-01T05:10:59.558Z",
        "source": "Bullseye",
        "first_name": "Bob",
        "last_name": "Jones",
        "full_name": "Bob Jones",
        "ssn": "522-09-1191",
        "employer": "Bullseye",
        "employer_address": {
          "line1": "119 Green Ridge",
          "line2": null,
          "city": "New York",
          "state": "NY",
          "postal_code": "10014",
          "country": "US"
        },
        "status": "active",
        "employment_type": "part-time",
        "job_title": "Clerk",
        "start_date": "2020-06-29",
        "original_hire_date": "2020-06-29",
        "end_date": null,
        "length_of_work": {
          "years": "2",
          "months": "9"
        },
        "last_pay_period_end_date": "2023-02-23",
        "last_paystub_date": "2023-02-24"
      }
    ]
  }
  ```
</Accordion>

<Accordion title="Verification of Income and Employment (VOIE) — PDF and JSON">
  [PDF](https://res.cloudinary.com/argyle-media/image/upload/v1749501632/docs-2025/voie_example_argyle.pdf)

  Report PDF

  <Frame>
    <img alt="Image of Argyle's Verification of Income and Employment (VOIE) report." />
  </Frame>

  ```json theme={}
  {
    "report_id": "6da4c9a3-2e63-95e5-8be3-f9a52ddc489a",
    "type": "voie",
    "user_id": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
    "external_id": "March Connection",
    "created_at": "2023-03-26T09:20:06.081Z",
    "last_synced_at": "2023-03-24T12:41:25.069Z",
    "metadata": {},
    "employments": [
      {
        "employment": "0186a27d-e5c6-735a-a359-6315b34d544c",
        "account": "018728a3-afee-5288-8e8a-c68ceb591359",
        "last_synced_at": "2023-03-24T12:41:25.069Z",
        "source": "Worknight",
        "first_name": "Bob",
        "last_name": "Jones",
        "full_name": "Bob Jones",
        "birth_date": "1980-10-10",
        "ssn": "522-09-1191",
        "phone_number": "+18009000010",
        "email": "bob@email.com",
        "employee_address": {
          "line1": "342 Fence Rd",
          "line2": null,
          "city": "New York",
          "state": "NY",
          "postal_code": "10014",
          "country": "US"
        },
        "employer": "Whole Goods",
        "employer_address": {
          "line1": "852 North W St",
          "line2": null,
          "city": "New York",
          "state": "NY",
          "postal_code": "10014",
          "country": "US"
        },
        "status": "active",
        "employment_type": "full-time",
        "job_title": "Store Manager",
        "base_pay": {
          "amount": "75372.62",
          "currency": "USD",
          "period": "annual"
        },
        "pay_cycle": "monthly",
        "start_date": "2020-08-28",
        "original_hire_date": "2020-08-28",
        "end_date": null,
        "length_of_work": {
          "years": "2",
          "months": "6"
        },
        "last_pay_period_end_date": "2023-03-22",
        "last_paystub_date": "2023-03-24",
        "income": [
          {
            "period": "2023",
            "currency": "USD",
            "gross_pay": {
              "total": "25124.20",
              "base": "25124.20",
              "overtime": "0.00",
              "commission": "0.00",
              "bonus": "0.00",
              "other": "0.00"
            },
            "reimbursements": "8.13",
            "deductions": "816.53",
            "taxes": "5715.75",
            "fees": "0.00",
            "net_pay": "18600.05"
          },
          {
            "period": "2022",
            "currency": "USD",
            "gross_pay": {
              "total": "82866.32",
              "base": "81653.65",
              "overtime": "0.00",
              "commission": "881.09",
              "bonus": "331.58",
              "other": "0.00"
            },
            "reimbursements": "4.35",
            "deductions": "3266.12",
            "taxes": "14948.85",
            "fees": "0.00",
            "net_pay": "64655.70"
          }
        ],
        "monthly_income": {
          "argyle": {
            "total": "7102.33",
            "base": "6902.55",
            "overtime": "165.94",
            "bonus": "5.22",
            "commission": "28.62",
            "other": "0.00"
          }
        },
        "callouts": []
      },
      {
        "employment": "0185a31d-e2c8-991c-a251-5977e36a418c",
        "account": "018728a2-2fe0-cdb4-9486-70b2fe9834f9",
        "last_synced_at": "2023-03-01T05:10:59.558Z",
        "source": "Bullseye",
        "first_name": "Bob",
        "last_name": "Jones",
        "full_name": "Bob Jones",
        "birth_date": "1980-10-10",
        "ssn": "522-09-1191",
        "phone_number": "+18009000010",
        "email": "bob@email.com",
        "employee_address": {
          "line1": "342 Fence Rd",
          "line2": null,
          "city": "New York",
          "state": "NY",
          "postal_code": "10014",
          "country": "US"
        },
        "employer": "Bullseye",
        "employer_address": {
          "line1": "119 Green Ridge",
          "line2": null,
          "city": "New York",
          "state": "NY",
          "postal_code": "10014",
          "country": "US"
        },
        "status": "active",
        "employment_type": "part-time",
        "job_title": "Clerk",
        "base_pay": {
          "amount": "61030.57",
          "currency": "USD",
          "period": "annual"
        },
        "pay_cycle": "monthly",
        "start_date": "2020-06-29",
        "original_hire_date": "2020-06-29",
        "end_date": null,
        "length_of_work": {
          "years": "2",
          "months": "9"
        },
        "last_pay_period_end_date": "2023-02-23",
        "last_paystub_date": "2023-02-24",
        "income": [
          {
            "period": "2023",
            "currency": "USD",
            "gross_pay": {
              "total": "20848.92",
              "base": "20343.52",
              "overtime": "0.00",
              "commission": "0.00",
              "bonus": "505.40",
              "other": "0.00"
            },
            "reimbursements": "0.00",
            "deductions": "915.48",
            "taxes": "4475.58",
            "fees": "0.00",
            "net_pay": "15457.86"
          },
          {
            "period": "2022",
            "currency": "USD",
            "gross_pay": {
              "total": "68070.08",
              "base": "66116.44",
              "overtime": "0.00",
              "commission": "777.54",
              "bonus": "1176.10",
              "other": "0.00"
            },
            "reimbursements": "18.40",
            "deductions": "2034.40",
            "taxes": "13274.18",
            "fees": "0.00",
            "net_pay": "52779.90"
          }
        ],
        "monthly_income": {
          "argyle": {
            "total": "5683.51",
            "base": "5512.92",
            "overtime": "0.00",
            "bonus": "119.51",
            "commission": "51.08",
            "other": "0.00"
          }
        },
        "callouts": []
      }
    ],
    "income_totals": [
      {
        "period": "2023",
        "currency": "USD",
        "gross_pay": {
          "total": "45973.12",
          "base": "45467.72",
          "overtime": "0.00",
          "commission": "0.00",
          "bonus": "505.40",
          "other": "0.00"
        },
        "reimbursements": "8.13",
        "deductions": "1732.01",
        "taxes": "10191.33",
        "fees": "0.00",
        "net_pay": "34057.91"
      },
      {
        "period": "2022",
        "currency": "USD",
        "gross_pay": {
          "total": "150936.4",
          "base": "147770.09",
          "overtime": "0.00",
          "commission": "1658.63",
          "bonus": "1507.68",
          "other": "0.00"
        },
        "reimbursements": "22.75",
        "deductions": "5300.52",
        "taxes": "28223.03",
        "fees": "0.00",
        "net_pay": "117435.60"
      }
    ]
  }
  ```
</Accordion>

## The report object


# Reports.generated webhook
Source: https://docs.argyle.com/api-reference/reports-webhooks/generated

openAPI/reports-webhooks-generated.yaml post /v2/webhooks
The `reports.generated` webhook is sent when a report has been successfully [generated](/api-reference/reports#generate) and can be retrieved.




# Reports.ready webhook
Source: https://docs.argyle.com/api-reference/reports-webhooks/ready

openAPI/reports-webhooks-ready.yaml post /v2/webhooks
The reports.ready webhook is sent when a verification report can be generated.

The webhook is sent once sufficient data has been retrieved from a connected payroll account. It is also sent after an [account reconnection](/workflows/reconnecting-accounts) once all new data has been retrieved.

<Info>
  This webhook may be sent multiple times if the user connects multiple accounts.

  * The [accounts.connected](/api-reference/accounts-webhooks/connected) and [accounts.failed](/api-reference/accounts-webhooks/failed) webhooks can be used to track multiple account connections.
  * Compare them to the accounts listed in the `reports.ready` webhook payload to determine when to generate a report.
</Info>

Sent when reports can be or have been generated.


# Delete A Report
Source: https://docs.argyle.com/api-reference/reports/delete-a-report

delete /v2/reports/{id}
Deletes a report object.




# Generate A Report
Source: https://docs.argyle.com/api-reference/reports/generate-a-report

post /v2/reports/{type}
Generates a new report and returns a report object.

<Info>
  This endpoint remains available for existing payroll integrations. For new report-based implementations, use the [Verifications API](/api-reference/verifications/order-a-verification).
</Info>

<Warning>There is a daily limit of 10 reports per user to prevent excessive report generation due to accidental client-side errors.</Warning>

If the daily report limit is reached, deleting a previously generated report from the same 24 hour period will allow another report to be generated.


# List All Reports
Source: https://docs.argyle.com/api-reference/reports/list-all-reports

get /v2/reports
Returns a paginated list of all report objects.




# Retrieve A Report
Source: https://docs.argyle.com/api-reference/reports/retrieve-a-report

get /v2/reports/{id}
Retrieves a report object.




# Shifts
Source: https://docs.argyle.com/api-reference/shifts

Retrieve information on work shifts and hours spent on individual tasks.

## The shift object


# Shifts.added webhook
Source: https://docs.argyle.com/api-reference/shifts-webhooks/added

openAPI/shifts-webhooks-added.yaml post /v2/webhooks
The `shifts.added` webhook is sent only when an account's data is [refreshed](/overview/ongoing-refresh) (does not include initial data retrieval) and a new shift is retrieved.


Sent when shifts are added, updated, or removed.

If you need to access to shift data as soon as it is available:

* The `shifts.partially_synced` webhook is sent when shifts going back a specified number of days prior (starting from the date [when the account was added](/api-reference/accounts-webhooks/added)) have been retrieved during initial data retrieval for a newly connected account.
* The `shifts.fully_synced` webhook is sent when all shifts have been retrieved during initial data retrieval for a newly connected account.

Because some accounts can contain hundreds of shifts, we recommend subscribing to the `shifts.partially_synced` webhook when especially time-sensitive. The `shifts.fully_synced` webhook will only be sent when all shift data has been retrieved, which may take up to several hours in these cases.


# Shifts.fully_synced webhook
Source: https://docs.argyle.com/api-reference/shifts-webhooks/fully-synced

openAPI/shifts-webhooks-fully-synced.yaml post /v2/webhooks
The `shifts.fully_synced` webhook is sent when all shifts have been retrieved from a newly connected payroll account.




# Shifts.partially_synced webhook
Source: https://docs.argyle.com/api-reference/shifts-webhooks/partially-synced

openAPI/shifts-webhooks-partially-synced.yaml post /v2/webhooks
The shifts.partially_synced webhook is sent after the requested range of historical shift data has been retrieved.

By default, the historical period is 30 days and starts from the date [when the account was added](/api-reference/accounts-webhooks/added).

<Tip>You can subscribe to this webhook multiple times with different numbers of specified days.</Tip>

<Note>
  * This webhook is sent only during initial data retrieval (not [ongoing refresh](/overview/ongoing-refresh)).
  * If the number of shifts for an account is small and captured completely with only one data pull, this webhook will not be sent. Instead the `shifts.fully_synced` webhook will be sent.
</Note>


# Shifts.removed webhook
Source: https://docs.argyle.com/api-reference/shifts-webhooks/removed

openAPI/shifts-webhooks-removed.yaml post /v2/webhooks
The `shifts.removed` webhook is sent when a shift object has been deleted after a previous shift was not found when an account's data was refreshed.




# Shifts.updated webhook
Source: https://docs.argyle.com/api-reference/shifts-webhooks/updated

openAPI/shifts-webhooks-updated.yaml post /v2/webhooks

The `shifts.updated` webhook is sent when there is any change to a property value of the [shift object](/api-reference/shifts#object).

For example, after a shift is completed the shift object's `status` value changes from `in_progress` to `completed`.




# List All Shifts
Source: https://docs.argyle.com/api-reference/shifts/list-all-shifts

get /v2/shifts
Returns a paginated list of all shift objects.




# Retrieve A Shift
Source: https://docs.argyle.com/api-reference/shifts/retrieve-a-shift

get /v2/shifts/{id}
Retrieves a shift object.




# User Forms
Source: https://docs.argyle.com/api-reference/user-forms

User form submissions.

User forms are response forms (see [Step 4](/workflows/account-connections#search)) that users can submit as a fallback when they cannot find their employer or payroll provider.

## The user form object


# User Forms.removed webhook
Source: https://docs.argyle.com/api-reference/user-forms-webhooks/user-forms-removed

openAPI/user-forms-webhooks-removed.yaml post /v2/webhooks
The `user_forms.removed` webhook is only sent when an account is deleted.


Sent when [user form](/api-reference/user-forms#object) events occur.

User forms are response forms (see [Step 4](/workflows/account-connections#search)) that users can submit as a fallback when they cannot find their employer or payroll provider.


# User Forms.submitted webhook
Source: https://docs.argyle.com/api-reference/user-forms-webhooks/user-forms-submitted

openAPI/user-forms-webhooks.yaml post /v2/webhooks
The `user_forms.submitted` webhook is sent when a response form is submitted.


The `user_forms.submitted` webhook is sent when a response form is submitted.


# List All User Forms
Source: https://docs.argyle.com/api-reference/user-forms/list-all-user-forms

get /v2/user-forms
Returns a paginated list of all user form objects.




# Retrieve A User Form
Source: https://docs.argyle.com/api-reference/user-forms/retrieve-a-user-form

get /v2/user-forms/{id}
Retrieves a user form object.




# User Tokens
Source: https://docs.argyle.com/api-reference/user-tokens

Create user tokens for direct embedded Link initializations.

<Note>
  [Payroll verifications](/verifications/overview) return a session `link` URL when creating a session. Use that URL to initialize embedded Link with `connectUrl` or launch Hosted Link directly. For more information, visit the [Verifications Guide](/verifications/overview) and [Link Initialization Guide](/link/initialization).
</Note>


# Create A User Token
Source: https://docs.argyle.com/api-reference/user-tokens/create-a-user-token

post /v2/user-tokens
Creates a new user token from the `id` of an existing user.

<Note>
[Creating a new user](/api-reference/users#create) will also return a user token in the response.
</Note>




# User Uploads
Source: https://docs.argyle.com/api-reference/user-uploads

Upload and retrieve documents.

* Upload documents via the API.
* Retrieve documents uploaded via the API.
* Retrieve documents [manually uploaded through Link](/workflows/document-processing).
* Retrieve [OCR data](/integrations/ocr/ocrolus#retrieving-ocr-data) and [authenticity information](/integrations/ocr/ocrolus#api) for uploaded documents.

## The user upload object

For upload endpoint details, see [Upload A Document](/api-reference/user-uploads/upload-a-document).


# User Uploads.added webhook
Source: https://docs.argyle.com/api-reference/user-uploads-webhooks/added

openAPI/user-uploads-webhooks-added.yaml post /v2/webhooks
The `user_uploads.added` webhook is sent each time a document is uploaded to Link.  
<Warning>This webhook is only sent after the user selects "Submit" for first-time uploads.</Warning>


Sent when document upload events occur.


# User Uploads.ocr_authenticity webhook
Source: https://docs.argyle.com/api-reference/user-uploads-webhooks/ocr-authenticity

openAPI/user-uploads-webhooks-ocr-authenticity.yaml post /v2/webhooks
The `user_uploads.ocr_authenticity` webhook is sent once per uploaded file when [Ocrolus authenticity](/api-reference/user-uploads#object-metadata-ocr_documents) data is available.




# User Uploads.ocr_completed webhook
Source: https://docs.argyle.com/api-reference/user-uploads-webhooks/ocr-completed

openAPI/user-uploads-webhooks-ocr-completed.yaml post /v2/webhooks
The `user_uploads.ocr_completed` webhook is sent once per uploaded file when [Ocrolus OCR](/api-reference/user-uploads#object-metadata-ocr_documents) data is available.
- If any [OCR errors](/integrations/ocr/ocrolus#ocr-errors) occurred, this webhook will not be sent. Instead the `user_uploads.ocr_failed` [webhook](/api-reference/user-uploads-webhooks/ocr-failed) will be sent. Errors will be listed in `ocr_documents` on the [User Upload object](/api-reference/user-uploads/overview).




# User Uploads.ocr_failed webhook
Source: https://docs.argyle.com/api-reference/user-uploads-webhooks/ocr-failed

openAPI/user-uploads-webhooks-ocr-failed.yaml post /v2/webhooks
The `user_uploads.ocr_failed` webhook is sent once per uploaded file when Ocrolus OCR processing could not be completed.

[OCR errors](/integrations/ocr/ocrolus#ocr-errors) are returned in `ocr_documents` on the [User Upload object](/api-reference/user-uploads/overview).




# User Uploads.removed webhook
Source: https://docs.argyle.com/api-reference/user-uploads-webhooks/removed

openAPI/user-uploads-webhooks-removed.yaml post /v2/webhooks
The `user_uploads.removed` webhook is sent when a user deletes a previously uploaded document, or an account associated with an uploaded document is deleted.




# List All User Uploads
Source: https://docs.argyle.com/api-reference/user-uploads/list-all-user-uploads

get /v2/user-uploads
Returns a paginated list of all user upload objects.




# Retrieve A User Upload
Source: https://docs.argyle.com/api-reference/user-uploads/retrieve-a-user-upload

get /v2/user-uploads/{id}
Retrieves a user upload object.




# Upload A Document
Source: https://docs.argyle.com/api-reference/user-uploads/upload-a-document

post /v2/user-uploads
Upload a document via the API.

Upload a document via the API.

<Note>
  Can be used in combination with [OCR processing](/integrations/ocr/ocrolus).
</Note>


# Users
Source: https://docs.argyle.com/api-reference/users

Users connect their payroll accounts using Link.

## The user object


# Users.fully_synced webhook
Source: https://docs.argyle.com/api-reference/users-webhooks/fully-synced

openAPI/users-webhooks.yaml post /v2/webhooks
The users.fully_synced webhook is sent after initial data retrieval completes for every newly connected payroll account.

### Multiple accounts

* At least one account connection must succeed for this webhook to be sent.
* If a user connects another account after the webhook has already been sent, it is sent again when data retrieval for the new account completes.

### Reconnections

<Warning>
  The `users.fully_synced` webhook is **not sent** when a user reconnects an existing account.
</Warning>

For account reconnections, choose the webhook that matches your integration:

* **Verifications API:** Subscribe to the [`verifications.updated`](/api-reference/verifications-webhooks/updated) webhook with `config.include_resource = true`.<br />In `data.resource.status`, a report is ready when:
  * `state` is `COMPLETED`
  * `code` is `completed` or `completed_with_errors`
* **Reports API:** Subscribe to the [`reports.ready`](/api-reference/reports-webhooks/ready) webhook to know when sufficient data is available after reconnection and a report can be requested. After requesting it, subscribe to the [`reports.generated`](/api-reference/reports-webhooks/generated) webhook to know when it can be retrieved.


# Create A User
Source: https://docs.argyle.com/api-reference/users/create-a-user

post /v2/users
Creates a new user object.

<Note>Includes a new [user token](/link/user-tokens) in the response.</Note>




# Delete A User
Source: https://docs.argyle.com/api-reference/users/delete-a-user

delete /v2/users/{id}
Deletes a user object.

<Warning>Deleting a user object will also delete all accounts and resources associated with the user.</Warning>




# List All Users
Source: https://docs.argyle.com/api-reference/users/list-all-users

get /v2/users
Returns a paginated list of all user objects.




# Retrieve A User
Source: https://docs.argyle.com/api-reference/users/retrieve-a-user

get /v2/users/{id}
Retrieves a user object.




# Update A User
Source: https://docs.argyle.com/api-reference/users/update-a-user

patch /v2/users/{id}
Updates a user object.

<Note>
  For Banking, updates to user properties including [`external_metadata.open_banking.end_user`](/api-reference/users/update-a-user#body-external-metadata-open-banking-end-user) will be reflected in future banking reports.

  Setting a field to `null` or an empty string will update the Argyle user object but may cause future banking reports to continue to display the previous value.
</Note>


# Vehicles
Source: https://docs.argyle.com/api-reference/vehicles

Work vehicle information.

## The vehicle object


# Vehicles.added webhook
Source: https://docs.argyle.com/api-reference/vehicles-webhooks/added

openAPI/vehicles-webhooks-added.yaml post /v2/webhooks
The `vehicles.added` webhook is sent when a new vehicle object is added, either during an initial scan or when an account's data is [refreshed](/overview/ongoing-refresh).


Sent when vehicles are added, updated, or removed.


# Vehicles.removed webhook
Source: https://docs.argyle.com/api-reference/vehicles-webhooks/removed

openAPI/vehicles-webhooks-removed.yaml post /v2/webhooks
The `vehicles.removed` webhook is sent when a vehicle object has been deleted due to a previous vehicle not being found when an account's data was refreshed.

<Info>This webhook is not sent when an account is deleted via the API, or a user revokes access to their account.</Info>




# Vehicles.updated webhook
Source: https://docs.argyle.com/api-reference/vehicles-webhooks/updated

openAPI/vehicles-webhooks-updated.yaml post /v2/webhooks
The `vehicles.updated` webhook is sent when there is any change to a property value of a [vehicle object](/api-reference/vehicles#object).




# List All Vehicles
Source: https://docs.argyle.com/api-reference/vehicles/list-all-vehicles

get /v2/vehicles
Returns a paginated list of all vehicle objects.




# Retrieve A Vehicle
Source: https://docs.argyle.com/api-reference/vehicles/retrieve-a-vehicle

get /v2/vehicles/{id}
Retrieves a vehicle object.




# Verifications.connection_added webhook
Source: https://docs.argyle.com/api-reference/verifications-webhooks/connection-added

openAPI/verifications-webhooks-connection-added.yaml post /v2/webhooks
Sent when a new payroll account or banking institution is connected after a verification is completed or cancelled.



# Verifications.creation_failed webhook
Source: https://docs.argyle.com/api-reference/verifications-webhooks/creation-failed

openAPI/verifications-webhooks-creation-failed.yaml post /v2/webhooks
The `verifications.creation_failed` webhook is sent when Argyle fails to create a verification.


Sent when creating a verification fails.


# Verifications.updated webhook
Source: https://docs.argyle.com/api-reference/verifications-webhooks/updated

openAPI/verifications-webhooks-updated.yaml post /v2/webhooks
The verifications.updated webhook is sent when a verification's status changes.

<Accordion title="The verifications.updated webhook is sent for the following status codes:">
  | Verification state | `status.code`            | Data source                     |
  | ------------------ | ------------------------ | ------------------------------- |
  | `PENDING`          | `invite_sent`            | Payroll and Banking             |
  | `PROCESSING`       | `authenticated`          | Payroll and Banking             |
  | `PROCESSING`       | `documents_processing`   | Documents                       |
  | `PROCESSING`       | `report_generating`      | Payroll                         |
  | `PROCESSING`       | `awaiting_certification` | Payroll                         |
  | `PAUSED`           | `connection_attempted`   | Payroll and Banking             |
  | `PAUSED`           | `more_data_required`     | Documents                       |
  | `PAUSED`           | `syncing_error`          | Payroll and Banking             |
  | `CANCELLED`        | `system_error`           | Payroll and Banking             |
  | `CANCELLED`        | `argyle_timeout`         | Payroll, Documents, and Banking |
  | `COMPLETED`        | `completed`              | Payroll, Documents, and Banking |
  | `COMPLETED`        | `completed_with_errors`  | Payroll, Documents, and Banking |
</Accordion>

Set `config.include_resource = true` to receive the full verification object in the webhook you receive and inspect the `status.code`.


# Cancel a verification
Source: https://docs.argyle.com/api-reference/verifications/cancel-a-verification

openAPI/verifications.yaml post /v2/verifications/{id}/cancel
Cancels a verification order.

<Note>
Only verifications in the `PAUSED` state can be cancelled.
</Note>




# Create a session
Source: https://docs.argyle.com/api-reference/verifications/create-a-session

openAPI/verifications.yaml post /v2/sessions
Create a connection session or send an invite.

* For an embedded session, provide `verification`. The response returns a `link` to launch or embed the frontend experience. The `link` expires after one hour.

* For an invite, first create the user and at least one active verification. Set `type` to `invite`, provide `user`, and include `configuration.email`, `configuration.phone_number`, or both. The invite link expires after 180 days or when revoked.

<Note>This endpoint is for payroll and banking verifications only.</Note>


# List all verifications
Source: https://docs.argyle.com/api-reference/verifications/list-all-verifications

openAPI/verifications.yaml get /v2/verifications
Returns a paginated list of all verification objects.



# Order a verification
Source: https://docs.argyle.com/api-reference/verifications/order-a-verification

openAPI/verifications.yaml post /v2/verifications
Orders a new verification.

<Note>
[Create a user](/verifications/quickstart#create-a-user) or update an existing user with the required details before ordering payroll, government, banking, or document verifications.
</Note>



# Refresh a verification
Source: https://docs.argyle.com/api-reference/verifications/refresh-a-verification

openAPI/verifications.yaml post /v2/verifications/refresh
Creates a new payroll, banking, or Doc VOI verification without requiring the user to reconnect or upload additional documents.

For payroll and banking, a valid connection must already exist. For Doc VOI, the new report is generated from the user's existing uploaded documents.

The new verification inherits `loan.division` from the original verification.



# Retrieve a verification
Source: https://docs.argyle.com/api-reference/verifications/retrieve-a-verification

openAPI/verifications.yaml get /v2/verifications/{id}
Retrieves a verification.



# Update a verification
Source: https://docs.argyle.com/api-reference/verifications/update-a-verification

openAPI/verifications.yaml patch /v2/verifications/{id}
Updates verification metadata or employments.

<Note>
After a verification is updated, it will re-enter the `PROCESSING` state.
</Note>




# Create a webhook
Source: https://docs.argyle.com/api-reference/webhooks/create-a-webhook

openAPI/webhooks.yaml post /v2/webhooks
Creates a webhook subscription.


For webhook verification and retry behavior, see the [Webhooks guide](/api-guide/webhooks).


# Delete a webhook
Source: https://docs.argyle.com/api-reference/webhooks/delete-a-webhook

openAPI/webhooks.yaml delete /v2/webhooks/{id}
Deletes a webhook subscription.




# List all webhooks
Source: https://docs.argyle.com/api-reference/webhooks/list-all-webhooks

openAPI/webhooks.yaml get /v2/webhooks
Returns a paginated list of webhook subscriptions.




# Retrieve a webhook
Source: https://docs.argyle.com/api-reference/webhooks/retrieve-a-webhook

openAPI/webhooks.yaml get /v2/webhooks/{id}
Retrieves a webhook subscription.




# Email/SMS Templates
Source: https://docs.argyle.com/console/flows/email-sms-templates

Invite users via text or email to connect their payroll accounts.

## Overview

Invites let users enter Link directly from an email or SMS message, without the need to embed Link in your website or application.

* Invites are sent from the <a href="https://console.argyle.com/connections">Connections</a> section of Console.
* Email/SMS templates are customizations that can be applied to invites.
* Multiple email/SMS templates can be created, each with their own customized email and/or text messaging, landing page, Link connection experience, and success page.

## Creating email/SMS templates

<Frame>
  <img alt="You can create Email/SMS Templates in the Flows section of Console." />
</Frame>

To create an email/SMS template:

1. Sign in to Console with an **Admin**, **Full member**, or **Developer** account. (See [roles and permissions](/console/management/members#roles-and-permissions))
2. Navigate to the <a href="https://console.argyle.com/flows">Flows</a> section of Console.
3. Click **+ New Flow** then select **Email/SMS Template**.
4. Add [customizations](/console/flows/email-sms-templates#customizations), name your Email/SMS Template, and save.
5. Saved templates can be selected from the **Template** dropdown when [sending invites](/console/flows/email-sms-templates#sending-invites).

<Note>
  In Console, you can filter your <a href="https://console.argyle.com/connections">Connections</a> and the **Conversion** section of the <a href="https://console.argyle.com/dashboard">Dashboard</a> by individual Flow.
</Note>

## Wholesale mortgage templates

Mortgage accounts can create separate retail and wholesale email/SMS templates. Ask your Customer Success Manager to enable wholesale flow creation if the wholesale option is not available.

1. Open **Flows**, select **+ New Flow**, then **Email/SMS Template**.
2. Select **Mortgage Wholesale** to start with broker-branded messaging, or **Mortgage Retail** for lender-branded messaging.
3. Customize the template, name it, and save.

The default wholesale template uses the borrower's broker details at send time, so one template can serve multiple brokers. It has no logo by default and skips Link's introduction and employment history screens.

Contact your Customer Success Manager if your wholesale workflow requires Employment History before enabling it in a custom flow.

Use a wholesale template for [wholesale API invites](/verifications/wholesale-mortgage#choose-the-invite-flow) or [TPO Connect](/integrations/pos-los/encompass/tpo-connect#configure-the-borrower-experience). A custom template is optional: the default wholesale experience works without creating one. The retail/wholesale choice applies to email/SMS templates only.

## Employer match

If the user's employer is already known, when [sending invites](/console/flows/email-sms-templates#sending-invites) Console members can search Argyle's coverage for that employer by selecting **Employer match**.

<Frame>
  <img alt="Employer match let's you search for the user's employer and send them a direct link to that employer in their invitation." />
</Frame>

* Selecting **Add to verification** for a *single employer* will adjust the invite so the user is sent directly to that employer's login screen in Link, bypassing search entirely.

* Selecting **Add to verification** for *multiple employers* will adjust the invite so the user is only shown the selected employers, streamlining their search experience in Link.

Employer match is an optional feature that can only be used with **Search** [email/SMS templates](/console/flows/email-sms-templates#creating-emailsms-templates).

<Frame>
  <img alt="Employer match can be used only with Search email/sms flows." />
</Frame>

Employer match can be enabled in the <a href="https://console.argyle.com/settings/other-settings">Other settings</a> section of Console.

<Frame>
  <img alt="Employer match can be enabled in the Other settings section of Console." />
</Frame>

## Sending invites

<div />

### Inviting new users

1. Sign in to Console with an **Admin**, **Full member**, or **Operations** account. (See [roles and permissions](/console/management/members#roles-and-permissions))
2. From the **Connections** page, select **Start verification**.

<Frame>
  <img alt="Invite new members in the Connections area of Console." />
</Frame>

3. Choose your invite **method** (email, SMS, or both) and fill out the **Recipient** details.

<Note>
  Choosing **Email and SMS** is recommended and generally provides the best overall response rate.\**Any email and/or phone number provided will automatically pre-fill Link's login screen to assist users during login.*
</Note>

4. (Optional) Select a saved **Email/SMS Template** from the dropdown to apply your customized Link settings.

<Note>
  If no **Email/SMS Template** is selected, the default invite experience will be used. If only one Email/SMS Template has been created, it will automatically be applied to sent invites.
</Note>

5. (Optional) Select a [group](/console/management/groups).

6. (Optional) Tag the invited user with an [external identifier](/overview/data-structure/users#external-identifiers).

7. Fill out the invite recipient's contact information.

8. (Optional) To invite multiple users at the same time, select **Bulk upload** and upload a CSV file ([example CSV](https://res.cloudinary.com/argyle-media/raw/upload/v1671566710/docs-2022/Guides/Argyle%20Console/Console%20FAQ/bulk_invite_example.csv)) with the users' contact information.

<Frame>
  <img alt="The invite creation screen of Console." />
</Frame>

8. Select **Preview** to review the email, landing page, Link experience, or success message of the invitation.

<Frame>
  <img alt="Where to find the link that takes you to invite settings." />
</Frame>

9. Select **Next**.

10. (Optional) Cc additional members of your team to be notified by email when the user has connected a payroll account.

<Frame>
  <img alt="The last step before sending an invite where you can cc other members of your team." />
</Frame>

<Note>
  11. **Send** the invitation

  * You will be notified by email when the user has connected a payroll account.
  * You can filter sent invitations by status, income source, flow, or sender as well as search for specific [external identifiers](/overview/data-structure/users#external-identifiers) from the <a href="https://console.argyle.com/connections">Connections</a> section of Console.
</Note>

<Frame>
  <img alt="The Flow filter in the Connections section of Console lets you filter users by what Link Flow they experienced." />
</Frame>

### Automated reminders

In <a href="https://console.argyle.com/settings/other-settings">Console Settings</a>, you can configure **automated reminders** for invites:

* Sent to the user when an invite remains unopened after a configured number of days.
* Sent via the original invite method (email, SMS, or both).
* Applied to all new invites sent after the setting is enabled in Console.

<Note>
  Only one reminder will be sent to invited users.
</Note>

<Frame>
  <img alt="Automated reminders can be configured so that users who have an unopened invite are sent a reminder to connect their payroll accounts through Argyle." />
</Frame>

### Reconnecting existing users

Users may need to return to Link for few reasons:

* As part of their payroll system's [multi-factor authorization (MFA) process](/workflows/account-connections#completing-mfa).
* To [re-verify a disconnected account](/workflows/reconnecting-accounts#invites) (a one-click, no credentials needed process).
* To connect additional accounts—the user started a new job, for example.
* To revoke access to previously connected accounts.

<Frame>
  <img alt="You can resend invites through the Connections page of Console." />
</Frame>

Users can return to Link (and access their existing accounts) at any time through the original invite they received. Invites never expire. If the user has lost their original invite, a copy invite can be resent [via the API](/api-reference/invites#resend-invite) or Console using these steps:

<Note>
  1. Navigate to the <a href="https://console.argyle.com/connections">Connections</a> section of Console.
  2. Hover over the user to reveal:

  * A **Resend** icon, allowing you resend an invite to the user with one click.
  * A **Sent by** tag, which can be clicked to copy a unique URL that you can send directly to the user.
</Note>

After receiving the resent invite or unique URL, the user will be able to access and if needed, reconnect their previously connected accounts.

## Customizations

<div />

### Branding

* Add your company name, logo, and an accent color for the landing and success page.

### Document upload settings

When document uploads are **enabled** for either the intro screen, the search and connect screen, the success screen, and/or as a fallback verification method:

* Customize the text of the document upload submission screen.
* Select the document upload categories you would like to display. Choose whether a selected category is optional or required. If required, specify how many documents are needed for the category.
* The "Miscellaneous" category can be re-named.

### Invite

* Customize the text and icons of your email and/or SMS message.

<Accordion title="Note: Dynamic text is available for text customizations:">
  - \[Company] inserts the name of your company.
  - \[Name] inserts the full name of the invited user.
  - \[Member\_email] inserts the email address of the Console member who sends the invitation.
</Accordion>

### Landing page

* Select which verification methods to allow (at least one must be selected):
* Connect payroll account (direct payroll connections)
* Connect bank account ([financial institution connections](/api-reference/banking-overview))

<Note>
  Only applicable when [sending invites](/api-reference/invites) via API.
</Note>

* Upload income documents (fallback-only toggle is within dropdown)
* Customize the text of the landing page.

<Accordion title="Note: Dynamic text is available for text customizations:">
  - \[Company] inserts the name of your company.
  - \[Name] inserts the full name of the invited user.
  - \[Member\_email] inserts the email address of the Console member who sends the invitation.
</Accordion>

### Argyle Link

#### Intro screen

* Enable, brand, and customize Link's optional introduction screen.
* Optionally enable [document uploads](/workflows/document-processing) from the introduction screen.

#### Search and connect:

* Adjust Link's default text.

<Note>
  Link's default text is generalized to maximize the percentage of users that are able to successfully connect their payroll accounts in wide variety of use cases, but can be adjusted as needed to suit your use case or branding requirements.
</Note>

* Adjust Link's payroll connection process:

* **Search**: Users can search for their employer or payroll provider. You can adjust which [types of Items](/overview/data-structure/items#types-of-items) are shown and the appearance of Link's home screen.

* **List**: Only show Items you specify to users in Link.

* **Direct login**: [Directly connect](/workflows/account-connections#direct-login) users to a specific Item.

* **Doc upload**: Let users [upload employment documents](/workflows/document-processing) directly from their device.

<Frame>
  <img alt="Select fallback experience to view different options you can give users who cannot find or connect to their payroll account." />
</Frame>

* Omit individual Items from Link search, or specific types of Items based on their [mapping status](/overview/data-structure/items#mapping-status).

* **Fallback experiences**: Choose what users are shown after submitting invalid credentials or if they are unable to find their employer/payroll provider:

* **Form**: Present users with a question form asking them to list their employer or payroll provider. Forms can be retrieved [via Console](/overview/data-structure/accounts#console) or [via the API](/api-reference/user-forms).

* **Document upload**: Let users upload employment documents directly from their device. Uploaded documents can be [retrieved](/workflows/document-processing#retrieving-uploaded-documents) via Console or via the API.

* **Callback**: Closes Link and triggers the `onCantFindItemClicked` [callback](/link/reference/callbacks#oncantfinditemclicked).

#### Success screen:

* Adjust the text shown after a user successfully connects a payroll account.
* Allow users to connect additional (more than one) payroll account.
* Allow users to upload documents after a successful connection.

### Success page

* Customize the text shown to users after they exit Link.
* Add an exit button and (optionally) redirect users back to your website or application.


# Embedded Experiences
Source: https://docs.argyle.com/console/flows/embedded-experiences

Configure the embedded Link experience for your website or application.

Embed and configure the payroll connection experience users complete through Link.

## Overview

Link can be embedded directly within your website or application.

* Embedded experiences customize Link's default payroll connection process.
* Embedded experiences can *only* be applied to embedded instances of Link.

<Note>
  Visit our [Link Initialization Guide](/link/initialization) for technical information on how to embed Link.
</Note>

* Multiple embedded experiences can be created, each with their own customized Link connection experience.

## Creating embedded experiences

<Frame>
  <img alt="You can create Embedded Experience flows in the Flows section of Console." />
</Frame>

To create an embedded experience flow:

1. Sign in to Console with an **Admin**, **Full member**, or **Developer** account. (See [roles and permissions](/console/management/members#roles-and-permissions))
2. Navigate to the <a href="https://console.argyle.com/flows">Flows</a> section of Console.
3. Select **+ New Flow** then select **Embedded Experience**.
4. Add [customizations](/console/flows/embedded-experiences#customizations), name your embedded experience, and save.

<Note>
  In Console, you can filter your <a href="https://console.argyle.com/connections">Connections</a> and the **Conversion** section of the <a href="https://console.argyle.com/dashboard">Dashboard</a> by individual Flow.
</Note>

## Applying embedded experiences to Link

<Note>
  1. Navigate to the <a href="https://console.argyle.com/flows">Flows</a> section of Console.
  2. Copy the ID (e.g. `V32M5YBC`) of the embedded experience you want to apply.
  3. Use the ID as the value for the `flow_id` parameter in your [Link initialization code](/link/initialization).
</Note>

<Frame>
  <img alt="Copy flow_id values from your Embedded Experiences in the Flows section of Console." />
</Frame>

## Customizations

<div />

### Branding

* Add your company name.

### Document upload settings

When document uploads are **enabled** for either the intro screen, search and connect screen, and/or the success screen:

* Customize the text of the document upload submission screen.
* Select the document upload categories you would like to display. Choose whether a selected category is optional or required. If required, specify how many documents are needed for the category.
* The "Miscellaneous" category can be re-named.

### Intro screen

* Enable, brand, and customize Link's optional introduction screen.

### Search and connect

* Adjust Link's default text.

<Note>
  Link's default text is generalized to maximize the percentage of users that are able to successfully connect their payroll accounts in wide variety of use cases, but can be adjusted as needed to suit your use case or branding requirements.
</Note>

* Adjust Link's payroll connection process:

* **Search**: Users can search for their employer or payroll provider. You can adjust which [types of Items](/overview/data-structure/items#types-of-items) are shown and the appearance of Link's home screen.

* **List**: Only show Items you specify to users in Link.

* **Direct login**: [Directly connect](/workflows/account-connections#direct-login) users to a specific Item.

* **Doc upload**: Let users [upload employment documents](/workflows/document-processing) directly from their device.

<Frame>
  <img alt="Select fallback experience to view different options you can give users who cannot find or connect to their payroll account." />
</Frame>

* Omit individual Items from Link search, or specific types of Items based on their [mapping status](/overview/data-structure/items#mapping-status).

* **Fallback experiences**: Choose what users are shown after submitting invalid credentials or if they are unable to find their employer/payroll provider:

* **Form**: Present users with a question form asking them to list their employer or payroll provider. Forms can be retrieved [via Console](/overview/data-structure/accounts#console) or [via the API](/api-reference/user-forms).

* **Document upload**: Let users upload employment documents directly from their device. Uploaded documents can be [retrieved](/workflows/document-processing#retrieving-uploaded-documents) via Console or via the API.

* **Callback**: Closes Link and triggers the `onCantFindItemClicked` [callback](/link/reference/callbacks#oncantfinditemclicked).

### Success screen

* Adjust the text shown after a user successfully connects a payroll account.
* Allow users to connect additional (more than one) payroll account.
* Allow users to upload documents after a successful connection.


# Shareable URLs
Source: https://docs.argyle.com/console/flows/shareable-urls

Create URLs that link to Argyle's payroll connection experience.

## Overview

Shareable URLs connect your users to a hosted Link experience where they can connect their payroll accounts.

<Note>
  These URLs are universal, and can be shared as standalone URL hyperlinks.
</Note>

* Multiple shareable URLs can be created, each with their own customized landing page, Link connection experience, and success page.
* Unique [external identifiers](/overview/data-structure/users#external-identifiers) can be associated with each shareable URL, allowing you to map users to specific campaigns, branches, or console members.
* With [URL modifications](/console/flows/shareable-urls#url-modifications), you can modify the URL path to overwrite:

1. Who receives an email notification when there is a successful connection through the shareable URL.
2. Which external identifier should be associated with the Shareable URL.

## Creating shareable URLs

<Frame>
  <img alt="You can create Shareable URLs in the Flows section of Console." />
</Frame>

To create and customize a shareable URL:

1. Sign in to Console with an **Admin**, **Full member**, or **Developer** account. (See [roles and permissions](/console/management/members#roles-and-permissions))
2. Navigate to the <a href="https://console.argyle.com/flows">Flows</a> section of Console.
3. Check if you have the Sandbox mode toggle ON or OFF.

<Note>
  When the Sandbox toggle is ON, shareable URLs will connect to Argyle's Sandbox Testing environment, which allows you to [connect sample users](/overview/sandbox-testing#connect-sample-users).
</Note>

4. Click **+ New Flow** then select **Shareable URL**.
5. Add [customizations](/console/flows/shareable-urls#customizations), name your shareable URL flow, and save.

<Note>
  In Console, you can filter your <a href="https://console.argyle.com/connections">Connections</a> and the **Conversion** section of the <a href="https://console.argyle.com/dashboard">Dashboard</a> by individual Flow.
</Note>

## URL modifications

After creating and saving a Shareable URL using the steps above, it will look like this:

`https://verify.argyle.com/connect-url/{unique_code}`

URL modifications let you overwrite the (1) **email notification recipient** and (2) **external identifier** while keeping other saved customizations.

<Note>
  1. When creating a Shareable URL in the <a href="https://console.argyle.com/flows">Flows section of Console</a>, in **General settings**, add a whitelisted company email domain. This is for security, and ensures only someone from your organization can be notified by email.
  2. Add the email and/or external identifier to the end of the Shareable URL:
</Note>

```text theme={}
Examples:

Email overwrite:
https://verify.argyle.com/connect-url/{unique_code}?reply_to=your_email@yourcompany.com

External identifier overwrite:
https://verify.argyle.com/connect-url/{unique_code}?external_id=winter_campaign

Email and external identifier overwrite:
https://verify.argyle.com/connect-url/{unique_code}?reply_to=your_email@yourcompany.com&external_id=winter_campaign
```

#### Notable:

* Only one email can be specified at the end of the URL.
* If no overwrite is used, the email(s) and/or external identifier saved in Console will be used.
* If the overwrite email does not end in a whitelisted email domain address, the email(s) saved in Console will be used.

<Frame>
  <img alt="External identifiers and email notification recipients can be associated with a specific Shareable URL in the Flows section of Console." />
</Frame>

## Sending shareable URLs

Shareable URLs are standalone URLs you can include anywhere on your website, within emails or direct ad campaigns, inside your applications, or in any other method of contact with your users.

## Deactivating shareable URLs

<Note>
  Shareable URLs can be deactivated (and re-activated) individually in the Flows section of Console via the more actions (three vertical dots) dropdown. Deactivated shareable URLs are marked as **Disabled** in Console and will present a special "No action needed" landing page.
</Note>

## Reconnecting users

Within the Connections section of Console, users that originally entered Link via a shareable URL will be indicated by a green paperclip icon.

If a user needs to return to Link to [reconnect an account](/workflows/reconnecting-accounts), hover over the green paperclip icon and click to copy a unique URL *specific to this individual user*. Sharing this unique URL with the user will allow them to return to Link to reconnect their existing accounts (no login credentials needed).

<Frame>
  <img alt="Copy shareable URLs from the Connections page in Console. They will be unique to the user that originally clicked the shareable URL." />
</Frame>

## Customizations

<div />

### Branding

* Add your company name, logo, and an accent color for the landing and success page.

### General settings

* Choose whether to receive an email after a successful payroll connection.
* Choose whether to use [external identifiers](/overview/data-structure/users#external-identifiers), which will be attached to any user who clicks on this unique shareable URL.
* Whitelist an email domain that can be used with [URL modifications](/console/flows/shareable-urls#url-modifications).

### Document upload settings

When document uploads are **enabled** for either the intro screen, search and connect screen, and/or the success screen:

* Customize the text of the document upload submission screen.
* Select the document upload categories you would like to display. Choose whether a selected category is optional or required. If required, specify how many documents are needed for the category.
* The "Miscellaneous" category can be re-named.

### Landing page

* Customize the text of the landing page.

<Accordion title="Note: Dynamic text is available for text customizations:">
  - \[Company] inserts the name of your company.
  - \[Member\_email] inserts the email address of the Console member who sends the invitation.
</Accordion>

### Argyle Link

#### Intro screen

* Enable, brand, and customize Link's optional introduction screen.
* Optionally enable [document uploads](/workflows/document-processing) from the introduction screen.

#### Search and connect:

* Adjust Link's default text.

<Note>
  Link's default text is generalized to maximize the percentage of users that are able to successfully connect their payroll accounts in wide variety of use cases, but can be adjusted as needed to suit your use case or branding requirements.
</Note>

* Adjust Link's payroll connection process:

* **Search**: Users can search for their employer or payroll provider. You can adjust which [types of Items](/overview/data-structure/items#types-of-items) are shown and the appearance of Link's home screen.

* **List**: Only show Items you specify to users in Link.

* **Direct login**: [Directly connect](/workflows/account-connections#direct-login) users to a specific Item.

* **Doc upload**: Let users [upload employment documents](/workflows/document-processing) directly from their device.

<Frame>
  <img alt="Select fallback experience to view different options you can give users who cannot find or connect to their payroll account." />
</Frame>

* Omit individual Items from Link search, or specific types of Items based on their [mapping status](/overview/data-structure/items#mapping-status).

* **Fallback experiences**: Choose what users are shown after submitting invalid credentials or if they are unable to find their employer/payroll provider:

* **Form**: Present users with a question form asking them to list their employer or payroll provider. Forms can be retrieved [via Console](/overview/data-structure/accounts#console) or [via the API](/api-reference/user-forms).

* **Document upload**: Let users upload employment documents directly from their device. Uploaded documents can be [retrieved](/workflows/document-processing#retrieving-uploaded-documents) via Console or via the API.

#### Success screen:

* Adjust the text shown after a user successfully connects a payroll account.
* Allow users to connect additional (more than one) payroll account.
* Allow users to upload documents after a successful connection.

### Success page

* Customize the text shown to users after they exit Link.
* Add an exit button and (optionally) redirect users back to your website or application.


# Custom Sending Domain
Source: https://docs.argyle.com/console/management/custom-sender-domain

Send supported user invitation and data-sharing emails from your organization's domain.

## Overview

By default, Argyle sends user invitation and data-sharing request emails from `emma@argyle.com`. With a custom sending domain, you can configure these emails to come from your own domain instead — for example, `verifications@yourlender.com`.

This means users receive emails from a domain they already recognise and trust, which typically improves open rates and conversion rates.

***

## How it works

You provide your domain and a from address. Argyle generates a set of DNS records that authenticate your domain with our email infrastructure. Once your IT team adds those records and you verify them, Argyle will send all user emails from your configured address.

The setup is a one-time DNS change. Once verified, no ongoing action is required from your side.

***

## Prerequisites

* Access to your organisation's DNS settings (or a contact at your IT team who does)
* A domain you control (e.g. `yourlender.com`)
* A from address on that domain (e.g. `verifications@yourlender.com`)

***

## Setup steps

### 1. Open Console settings

In the Argyle Console, go to **Settings → Other settings → Custom sending domain**.

### 2. Enter your domain and from address

* **Sending domain:** enter your root domain, e.g. `yourlender.com`
* **From address:** enter the address users will see, e.g. `verifications@yourlender.com`

Click **Generate DNS records**.

<Frame>
  <img alt="Enter a sending domain and from address in the Custom sending domain section of Console." />
</Frame>

### 3. Add DNS records

Argyle will generate 3 CNAME records. Share these with your IT team and ask them to add all 3 to your DNS provider (e.g. Cloudflare, Route 53, GoDaddy).

<Note>
  If your DKIM records are managed by another provider, add the two DKIM values in that provider instead. See [Troubleshooting](#troubleshooting) for details.
</Note>

<Frame>
  <img alt="Copy the generated CNAME records into your DNS provider, then verify them in Console." />
</Frame>

| Record      | Type  | What it does                                                            |
| ----------- | ----- | ----------------------------------------------------------------------- |
| Return-Path | CNAME | SPF authentication — authorises Argyle to send on behalf of your domain |
| DKIM key 1  | CNAME | Email signing key — proves emails haven't been tampered with in transit |
| DKIM key 2  | CNAME | Backup signing key, rotated automatically for ongoing security          |

DNS changes can take up to 48 hours to propagate, though they typically complete within a few hours.

### 4. Verify

Once your IT team has added the records, return to Console and click **Verify records**. Argyle will check each record and confirm the setup.

If verification fails, the Console will show which records were not found. Check that the values were entered correctly and try again after allowing more time for propagation.

### 5. Done

Once verified, Argyle will send all user emails from your configured address. You'll see a confirmation in Console and can remove the custom domain at any time.

***

## Troubleshooting

| Symptom                       | Cause                                                                                                        | Fix                                                                                                                                                                   |
| ----------------------------- | ------------------------------------------------------------------------------------------------------------ | --------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Records added but not found   | Your DNS provider may have automatically appended the domain, e.g. `arg._domainkey.example.com.example.com`. | Enter the host without the domain suffix, e.g. `arg._domainkey`.                                                                                                      |
| DKIM records show `Not found` | Your `_domainkey` subdomain may be delegated to a separate email authentication provider.                    | [Follow the check below](#check-whether-your-dkim-is-managed-by-another-provider). If it is delegated, add the DKIM values in that provider instead of your DNS host. |

### Check whether your DKIM is managed by another provider

Some organizations use a dedicated email authentication service to manage DKIM centrally. When they do, DKIM records added directly to your DNS host are ignored — they have to be added in that service instead.

1. Open [Google Admin Toolbox](https://toolbox.googleapps.com/apps/dig/#NS/).
2. Enter `_domainkey.yourdomain.com` in **Name**, replacing `yourdomain.com` with your domain. Select **NS** and press **Enter**.
3. Read the result:
   * **No records found** — your DKIM isn't delegated. Add the records in your own DNS host, and check the auto-appended domain issue above.
   * **A nameserver is returned** (for example, `ns.vali.email`) — your DKIM is managed by that provider. Add both DKIM values in their dashboard instead.
4. Once the records are added, return to Console and click **Verify again**.

The Return-Path record always goes in your own DNS host, whether or not DKIM is delegated.

***

## Removing a custom domain

To stop using your custom domain, click **Remove** in Console. Argyle will revert to sending from `emma@argyle.com`. You can set up a new domain at any time by going through the setup steps again.

***

## FAQ

**Will users see any Argyle branding in the email address?**

Once verified, the from address will show exactly what you configured (e.g. `verifications@yourlender.com`). Argyle will only be mentioned in the footer.

**Does this affect email deliverability?**

It improves it. Emails sent from an authenticated domain are less likely to land in spam. The DNS records you add are the industry-standard mechanism (DKIM and SPF) for proving the email is legitimate.

**Can we use a subdomain instead of the root domain?**

The setup will use a subdomain for authentication infrastructure behind the scenes, but the from address will use your root domain. You only need to provide the root domain.

**What if our IT team needs more context on the DNS records?**

The 3 CNAME records are standard email authentication records used by email providers. They do not grant Argyle any access to your domain or email systems — they only allow Argyle to send emails on your behalf with proper authentication.

**Can we configure more than one custom sending domain?**

No. Argyle currently supports only one custom sending domain, which applies across all flows.


# Developers
Source: https://docs.argyle.com/console/management/developers

Accessing API keys through Console.

## Overview

Production and Sandbox API keys can be created in [Console](https://console.argyle.com/api-keys).

* API keys are an `id` and `secret` combination used to [authenticate API requests](/api-guide/overview#authentication).
* Sandbox API keys allow you to retrieve sample data.
* Production API keys are used when connecting real accounts.

<Note>
  API key secrets are only visible during API key creation and partially obfuscated thereafter. Please ensure you copy and securely store API secrets when creating new API keys.
</Note>

## API keys

<Frame>
  <img alt="API keys are found in the Developers section of Console." />
</Frame>

You can generate as many sets of Sandbox and Production API keys in Console as needed. For example, you could have a set of API keys for every [Console member](/console/management/members) on your team, or sets of API keys that correspond to a specific Console member [role](/console/management/members#roles-and-permissions).

Argyle provides both Sandbox and Production [API environments](/api-guide/overview#environments). In the Sandbox API environment for example, authorize requests using your Sandbox API key and secret, and make requests to various endpoints using the Sandbox `https://api-sandbox.argyle.com/v2` base URL.

To generate new API keys:

1. Select "Create API key" in the upper-right of the [API keys section of Console](https://console.argyle.com/api-keys).
2. In the pop-up, enter a name for the new set of API keys and select an environment.

<Frame>
  <img alt="Generate new API keys through Console." />
</Frame>


# Groups
Source: https://docs.argyle.com/console/management/groups

Organize invitations and connections across your company.

<Note>
  Groups let Admins organize the Console members who send invitations.
</Note>

<Note>
  * Console members can be organized into groups in the <a href="https://console.argyle.com/settings/groups">Settings</a> section of Console.
  * Please reach out to your Customer Success Manager to enable this feature.
</Note>

## Overview

Groups determine which users are visible in the <a href="https://console.argyle.com/connections">Connections</a> section of Console.

<Note>
  Groups control visibility within Console. They are not a comprehensive data permissioning system.
</Note>

Visibility depends on each Console member's role:

* **Admin** and **Full Member** [roles](/console/management/members#roles-and-permissions) can view all users across your organization.
* **Operations** roles can only view users invited by members of their group(s).
* **Operations (limited)** roles can only view users they invite.

**Exceptions:**

<Note>
  1\.  **Operations** roles that are not in any group (ungrouped) can also view all users across your organization.<br />
  2\. **Operations** and **Operations (limited)** roles can also view specific users if they were Cc'd on the original invite.
</Note>

Console members can be organized by branch, office, geographical location, department, team, etc. according to your organizational needs.

<Frame>
  <img alt="Groups let you manage invitations and connections across different teams in your organization." />
</Frame>

## Creating groups

<Note>
  Only [Admins](/console/management/members#roles-and-permissions) can create and manage groups.
</Note>

1. Within the **Groups** tab in the <a href="https://console.argyle.com/settings/groups">Settings</a> section of Console, select **Create new group**.
2. Name and save the group, then select the group and click **Add members**.

* Any existing Console member within your organization can be added to a group.
* New team members can also be invited to Console, added to the group, and assigned a role.

<Note>
  Members can be added in bulk using commas or a new line per member, allowing you to copy and paste directly from an Excel or CSV file.
</Note>

## Filtering by group

Invited users can be filtered by group in the <a href="https://console.argyle.com/connections">Connections</a> section of Console.

<Note>
  * **Admin** and **Full Member** roles can filter by any group.
  * **Operations** roles can only filter their groups.
</Note>

<Frame>
  <img alt="Groups can be used to filter users in the Connections section of Console." />
</Frame>

## Group selection

Groups can be selected from a dropdown when [sending invites](/console/flows/email-sms-templates#sending-invites).

<Note>
  This determines which Console members can view the invited user in the <a href="https://console.argyle.com/connections">Connections</a> section of Console.
</Note>

* **Operations** roles will only see their groups within the dropdown.
* If the **Organization** group is selected, the invited user will be visible for **Admin**, **Full Member**, and ungrouped **Operations** roles.
* If a specific group is selected, the invited user will be visible for **Admin**, **Full Member**, and **Operations** roles (if the **Operations** member is also in the selected group).

<Frame>
  <img alt="Groups can be selected from the dropdown when sending and invite or starting a verification." />
</Frame>

## Assigning Flows to groups

By assigning Link Flows to a group, only those Flows will be selectable when sending invites when the respective group is chosen.

<Frame>
  <img alt="Only assigned Link Flows will be shown to their respective groups." />
</Frame>

Flows can be assigned to groups in the <a href="https://console.argyle.com/settings/groups">Settings</a> section of Console:

1. Select an existing group.
2. Select **Assign Flows**.

<Frame>
  <img alt="You can restrict Groups to specific Link Flows when managing groups in Console." />
</Frame>

Flows can also be assigned to groups directly through the <a href="https://console.argyle.com/flows">Flows</a> section of Console:

<Frame>
  <img alt="You can also assign a Flow to a group from the Flows section of Console." />
</Frame>

## Managing groups

<Note>
  Only [Admins](/console/management/members#roles-and-permissions) can edit and delete groups.
</Note>

Within the **Groups** tab in the <a href="https://console.argyle.com/settings/groups">Settings</a> section of Console, select an existing group.

* Click **Delete group** and confirm to delete a group.
* Add, edit, or remove group members using the action buttons.

<Note>
  Deleted groups will still be available as a filter in the Connections section of Console.
</Note>

<Accordion title="FAQ when adding/removing individual members of an existing group.">
  Q. What happens when a Console member *not currently in a group* is added to a group?
  A. The Console member's previously invited users will immediately become visible to the group's members. Future users this Console member invites will also be visible to the group members.

  <Note>
    Q. What happens when a Console member that is *already in one or more groups* is added to an additional group?
    A. The Console member's previously invited users will not be made visible to the group's members. Future users this Console member invites will be visible to the group members.
  </Note>

  Q. What happens when a Console member is *removed* from a group?
  A. The Console member's previously invited users will remain visible to the remaining members of the group. Future users this Console member invites will not be visible to the remaining group members going forward.
</Accordion>

## Embedded Link and groups

If you are [embedding Link](/link/initialization) within your website or application:

1. Create or edit an existing <a href="https://console.argyle.com/api-keys">API key</a>.
2. Assign a group to the API key.

When embedding Link, if the `userToken` [parameter](/link/initialization/overview#required-initialization-parameters) was created using this API key, the user will automatically be assigned to the respective group.

<Note>
  A `userToken` is returned in the API response when [creating users](/api-reference/users#create).
</Note>

<Note>
  Deleting a group will also delete the associated API key. Any users that were already assigned to a specific group by the deleted API key however will remain associated with that group.
</Note>

<Frame>
  <img alt="Groups can be assigned to Argyle API keys for use with embedded Link implementations." />
</Frame>


# Integrations
Source: https://docs.argyle.com/console/management/integrations

Connecting third party services via Console.

## Overview

Argyle integrates with a variety of third party business systems and services. Reach out to our team if you have a specific integration in mind, or visit our dedicated [Integrations Guides](/integrations/pos-los/encompass/verifications) for step-by-step walkthroughs of currently supported integrations.

* Subscribe to our [Changelog](https://changelog.argyle.com/) to stay up-to-date as new integrations are released.

## Quick integrations

An increasing number of integrations can be added through a special quick set-up process via Console. For these third party integrations, simply navigate to the [Integrations section of Console](https://console.argyle.com/integrations) under **Developers** and submit your relevant third party keys.

### Ocrolus

Ocrolus is a commonly used third party OCR service for [documents uploaded through Argyle](/workflows/document-processing) via Link.

* Visit our [Ocrolus OCR Guide](/integrations/ocr/ocrolus) for more information.

### Encompass

Verify income, employment, documents, and assets within the Encompass® by ICE Mortgage Technology® platform.

* Visit our [Encompass Integration Guide](/integrations/pos-los/encompass/verifications) for more information.

<Note>
  *Argyle is not affiliated with, sponsored by, or endorsed by Encompass. A customer's right to use Encompass is subject to its separate agreement with Encompass (or otherwise with its authorized resellers or other contracting partners), if any.*
</Note>

### Empower

Verify income and employment within the Empower® LOS platform.

* Visit our [Empower Integration Guide](/integrations/pos-los/empower) for more information.

<Note>
  *Argyle is not affiliated with, sponsored by, or endorsed by Empower. A customer's right to use Empower is subject to its separate agreement with Empower (or otherwise with its authorized resellers or other contracting partners), if any.*
</Note>

### nCino

Argyle can be integrated with the nCino platform to enhance your [Loan Origination System (LOS)](/integrations/pos-los/loan-origination-systems) and [Point of Sale (POS) systems](/integrations/pos-los/point-of-sale-systems).

* Visit our [nCino Guide](/integrations/pos-los/ncino) for more information.

<Note>
  *Argyle is not affiliated with, sponsored by, or endorsed by nCino. A customer's right to use nCino is subject to its separate agreement with nCino (or otherwise with its authorized resellers or other contracting partners), if any.*
</Note>

### Day 1 Certainty and AIM

Achieve Day 1 Certainty® from Fannie Mae and AIM eligibility from Freddie Mac through Argyle income and employment verifications.

* Visit our [Day 1 Certainty® and AIM guide](/integrations/d1c-aim/verifications) for more information.


# Members & Permissions
Source: https://docs.argyle.com/console/management/members

Managing roles and permissions in Console.

Invite different members of your team through Console, and determine what role you want them to have. The role determines their access to user data, API keys, billing, and other permissions.

## Adding team members

1. Sign in to Console with an [Admin](/console/management/members#admin) account.
2. Navigate to the **Members** tab within the **Settings** section of Console.
3. Select **Add members**.

<Frame>
  <img alt="Add team members in the Settings area of Console." />
</Frame>

4. In the pop-up menu, select a [role](/console/management/members#roles-and-permissions) for the new member depending on the permissions you would like them to have. You can also optionally assign them to a [group](/console/management/groups) if this functionality is enabled.
5. Add the email addresses of the members you would like to invite to Console. Members can be added in bulk using commas or a new line per member, allowing you to copy and paste directly from an Excel or CSV file.
6. Select **Invite members**.

<Note>
  The invited team member will receive an email with instructions on setting up their Console account.
</Note>

## Roles and permissions

<div />

### Admin

* Can invite or delete Console members.
* Can create [groups](/console/management/groups), and add or remove members from groups.
* Can [send invites](/console/flows/email-sms-templates#sending-invites) and view connected accounts.
* Can access API keys.
* Can use all Console capabilities.

### Full member

* Same permissions as Admins, except:
* Cannot invite or delete Console members.
* Cannot create, edit, or delete groups.

### Operations

* Can send invites and view connected accounts.
* Cannot invite or delete Console members.
* Cannot create, edit, or delete groups.
* Cannot access API keys.
* Cannot access the Dashboard, Flows, Coverage, Webhooks, and Billing sections of Console.
* Can be restricted from using Sandbox mode in Console (see <a href="https://console.argyle.com/settings/other-settings">Other Settings</a>).

### Operations (limited)

* Same permissions as Operations, except:
* Cannot view connected accounts related to invites sent by *other Console members*, unless Cc'd on the original invite.

### API developer

* Can access API keys.
* Can only view metadata related to connected accounts, such as connection status or account ID's.
* Cannot view personal user data or send invites.
* Cannot invite or delete Console members.
* Cannot create, edit, or delete groups.
* Cannot access the Billing section of Console.


# Webhooks
Source: https://docs.argyle.com/console/management/webhooks

Subscribe to event notifications through Console.

* Visit the [API Reference](/api-reference/users-webhooks/fully-synced) for a full list of available webhooks and their descriptions.
* Visit the [API Webhooks Guide](/api-guide/webhooks) to learn more about subscribing to webhooks via the API.

## Overview

Webhooks notify you in real-time when important events occur, such as:

* A new payroll connection is attempted.
* Data retrieval from a recently connected account has completed.
* New data was found during [ongoing refresh](/overview/ongoing-refresh) of a previously connected account.

<Note>
  Webhooks are not specific to individual accounts. The [`ratings.added`](/api-reference/ratings-webhooks/added) webhook for example is sent every time a new rating is available for any connected account.
</Note>

## Subscribing to webhooks

<Note>
  Each [environment](/api-guide/overview#environments) (Sandbox and Production) requires its own webhook subscriptions. Subscriptions do not transfer between environments.
</Note>

1. Navigate to the [Webhooks section of Console](https://console.argyle.com/webhooks) under **Developers**.
2. Select "Create a new webhook".

<Frame>
  <img alt="Webhooks can be created in the Developers section of Console." />
</Frame>

3. Fill in the following fields:

* **Name** — Your name for this particular set of webhook subscriptions.
* **URL** — Where you want webhooks to be sent. This can be either a backend URL that you manage, or a URL provided by a webhook management service.

<Note>
  Argyle delivers webhooks from four static IP addresses:
</Note>

<Note>
  * `34.27.251.226`
  * `34.122.50.253`
  * `35.188.163.115`
  * `35.226.53.251`
</Note>

* **Secret** — (Optional) A secret word or phrase that can be used to [authenticate webhooks](/api-guide/webhooks#verifying-webhooks) you receive.

4. Choose your desired set of webhooks.

* `partially_synced` webhooks require you to input how many days of data must be synced during the initial data retrieval process of a newly connected account before the webhook is sent.
* Webhooks with `{}` following their names, when selected individually ("Specific event(s)"), return additional account information in the webhook payload if the "include resource" box is checked (found below the list of webhooks).

<Frame>
  <img alt="You can subscribe to webhooks through Console." />
</Frame>


# Overview
Source: https://docs.argyle.com/console/overview

Console is where you learn about, manage, and operate Argyle.

## Getting started

If you haven't already, <a href="https://console.argyle.com/sign-up">sign up</a> to begin exploring Console first-hand.

<Frame>
  <img alt="View and manage data users share through Argyle in Console." />
</Frame>

We've designed Console in a way that walks you through how to:

* Get started connecting accounts.
* Select a **Connection** to view data and generate reports.
* Invite someone, yourself, or a [test user](/overview/sandbox-testing) to connect an account through Link.
* Use the **Dashboard** to monitor accounts and view other metrics.
* Find developer tools, including API keys.

## Test mode

When the "Sandbox mode" toggle at the top of Console is enabled, all of Console switches into a testing environment.

You can customize Link's payroll connection experience in **Flows** and test it on sample users, see the sample accounts appear in the **Connections** tab, and select a sample user to view their payroll data or generate a report. Or, head over to **Settings** to test out different email and text invite templates.

After testing, disable the "Sandbox mode" toggle to begin connecting real accounts.

## Sections of Console

<div />

### Dashboard

* See which employers and payroll platforms are the most selected.
* Compare how many account connections have happened across different time periods.
* Check which Link customizations have the highest connection success rate, and where users drop off.

### Flows

* Customize and preview account connections in Link.
* Adjust Link to enable [document uploading](/workflows/document-processing) or bypass search to [directly connect](/workflows/account-connections#direct-login) a user to a specific payroll login.

### Connections

* View successful and attempted account connections.
* Invite and re-send invites, or check the status of a previously sent invite.
* Monitor accounts to make sure they continue to be [continuously scanned for new data](/overview/ongoing-refresh).
* Select a connected account to view payroll data, payroll documents, and generate reports.

### Coverage

* Explore Argyle's extensive list of supported payroll connections.
* Filter and sort Items by their [type](/overview/data-structure/items#types-of-items), [health status](/overview/data-structure/items#health-status), [mapping status](/api-reference/items#object-mapping_status), or whether they support [ongoing refresh](/overview/ongoing-refresh).
* Select a specific Item to see exactly which data fields are supported.

### Developers

* Obtain and create API keys.
* Subscribe to and manage automatic [webhook notifications](/console/management/webhooks).
* Integrate third party business systems.

### Settings

* Manage membership roles, billing, and access permissions.
* Enable or disable organization-level features and user invitation settings.

### Get started

* Zoom out to learn more about different parts of Console and Argyle.

### Contact support

* Select the **?** to reach out if you need assistance.


# Data APIs
Source: https://docs.argyle.com/data-apis/overview

Retrieve payroll records, uploaded documents, and OCR results.

Use the Data APIs when your application needs payroll records, uploaded documents, or OCR results for its own workflow.

Users connect their payroll accounts through [Link](/link/overview). Your application tracks each account independently, waits for the required data, and retrieves the relevant resources from the API.

<Note>
  The Data APIs workflow on this page does not apply to banking. For bank connections and reports, use [Banking Verifications](/verifications/verification-types/banking). The account connection steps below apply to payroll data; for uploaded documents and OCR results, see [Document uploads](#document-uploads).
</Note>

## Implementation path

<Steps>
  <Step title="Create or reuse a user">
    Reuse the person's existing [user ID](/overview/data-structure/users) if they have already used another product with your organization. Otherwise, [create a user](/api-reference/users/create-a-user) and store the returned ID with your internal record.
  </Step>

  <Step title="Start the connection experience">
    Create a [user token](/api-reference/user-tokens/create-a-user-token), then launch [embedded or hosted Link](/link/initialization/overview).
  </Step>

  <Step title="Track connected accounts">
    Subscribe to the [`accounts.added`](/api-reference/accounts-webhooks/added), [`accounts.updated`](/api-reference/accounts-webhooks/updated), and [`accounts.failed`](/api-reference/accounts-webhooks/failed) webhooks. Treat each connected account as an independent data source.
  </Step>

  <Step title="Wait for the data you need">
    Use resource webhooks and the [`users.fully_synced`](/api-reference/users-webhooks/fully-synced) webhook to determine when the required data is available. See [Data Delivery and Readiness](/overview/data-delivery).
  </Step>

  <Step title="Retrieve data sets">
    Retrieve identities, paystubs, payroll documents, gigs, shifts, vehicles, ratings, and other available resources through the corresponding endpoints.

    When using identities with paystubs or payroll documents, use the `employment` field to [match records for the same employment](/overview/data-structure/employments). An account can contain records from more than one job.
  </Step>
</Steps>

## Data structure

Argyle organizes connected payroll data around [users](/overview/data-structure/users), [accounts](/overview/data-structure/accounts), [employments](/overview/data-structure/employments), [data sets](/overview/data-structure/data-sets), and [Items](/overview/data-structure/items).

<CardGroup>
  <Card title="Data Delivery and Readiness" icon="clock" href="/overview/data-delivery">
    Understand when initial data is available and which webhooks indicate progress.
  </Card>

  <Card title="Ongoing Refresh" icon="rotate" href="/overview/ongoing-refresh">
    Monitor connected accounts for new data and required reconnections.
  </Card>
</CardGroup>

## Document uploads

Users can upload documents through [Link](/workflows/document-processing#user-uploads-within-link), or you can [upload files through the API](/api-reference/user-uploads/upload-a-document). A payroll connection is not required.

Retrieve the files through [User Uploads](/api-reference/user-uploads). When OCR is enabled, use [OCR webhooks](/integrations/ocr/ocrolus#ocr-webhooks) to track processing and retrieve the results from `metadata.ocr_documents[]` on the upload object.

See [Document Uploads](/workflows/document-processing) for setup instructions and [OCR and Authenticity](/integrations/ocr/ocrolus) for result fields and errors.

## Verticals

Some verticals use direct Data APIs; others use the Verifications lifecycle. [Explore Verticals](/verticals) to find implementation guidance for your industry or program.

<Note>
  If you need a standardized verification lifecycle and report instead of direct resource retrieval, start with [Verifications](/verifications/overview).
</Note>


# Guides
Source: https://docs.argyle.com/guides

Choose how you want to build with Argyle.

<CardGroup>
  <Card title="Verifications" icon="badge-check" href="/verifications/overview">
    Order payroll, banking, and Doc VOI verifications, then track each request and retrieve completed reports.
  </Card>

  <Card title="Data APIs" icon="code" href="/data-apis/overview">
    Retrieve payroll records, uploaded documents, and OCR results through the API.
  </Card>
</CardGroup>

## Tools and workflows

<CardGroup>
  <Card title="Overview" icon="book-open" href="/overview/how-argyle-works">
    Learn how Argyle works, how data is structured, and how to test in Sandbox.
  </Card>

  <Card title="Workflows" icon="diagram-project" href="/workflows/account-connections">
    Build account connection and document upload workflows.
  </Card>

  <Card title="Integrations" icon="puzzle-piece" href="/integrations/pos-los/encompass/verifications">
    Connect Argyle to the POS, LOS, and partner systems your team uses.
  </Card>

  <Card title="Console" icon="desktop" href="/console/overview">
    View and manage data, customize settings, and test in Sandbox.
  </Card>

  <Card title="Link" icon="link" href="/link/overview">
    Let users connect accounts by email, text, or directly in your product.
  </Card>

  <Card title="API Guide" icon="terminal" href="/api-guide/overview">
    Get started with authentication, webhooks, and Postman.
  </Card>
</CardGroup>


# Build with Argyle
Source: https://docs.argyle.com/index

Choose a verification workflow or build directly with data users share through Argyle.

## Guides

<CardGroup>
  <Card title="Verifications" icon="badge-check" href="/verifications/overview">
    Order payroll, banking, and Doc VOI verifications, then track each request and retrieve completed reports.
  </Card>

  <Card title="Data APIs" icon="code" href="/data-apis/overview">
    Retrieve payroll records, uploaded documents, and OCR results through the API.
  </Card>
</CardGroup>

<Card title="Use Cases" icon="compass" href="/verticals">
  Implementation guides for mortgage, tenant screening, lending, and other verticals.
</Card>

<CardGroup>
  <Card title="Link" icon="link" href="/link/overview">
    Let users connect accounts by email, text, or directly in your product.
  </Card>

  <Card title="Console" icon="desktop" href="/console/overview">
    View and manage data, customize settings, and test in Sandbox.
  </Card>

  <Card title="Integrations" icon="puzzle-piece" href="/integrations/pos-los/encompass/verifications">
    Connect Argyle to the POS, LOS, and partner systems your team uses.
  </Card>

  <Card title="API Guide" icon="terminal" href="/api-guide/overview">
    Get started with Argyle's APIs, webhooks, and Postman.
  </Card>
</CardGroup>

## References

<Card title="API Reference" icon="book" href="/api-reference/overview">
  Endpoints and webhooks, example requests and responses, and error codes.
</Card>

[Sign up](https://console.argyle.com/sign-up) for an Argyle account to get started.


# Day 1 Certainty® and AIM
Source: https://docs.argyle.com/integrations/d1c-aim/verifications

Achieve Day 1 Certainty® and AIM eligibility through Argyle income and employment verifications.

## Overview

Income and employment verification reports can support:

* Day 1 Certainty® through <a href="https://singlefamily.fanniemae.com/media/9011/display">Fannie Mae's Desktop Underwriter® (DU®) validation service</a>.
* Assessment of borrower income and employment through <a href="https://sf.freddiemac.com/tools-learning/loan-advisor/our-solutions/aim-asset-income-modeler">Freddie Mac's asset and income modeler (AIM)</a>.

<Note>
  Reach out to your Customer Success Manager to enable Argyle's Day 1 Certainty and AIM functionality.
</Note>

1. Borrowers [connect their payroll accounts](/workflows/account-connections) and share payroll data through Link.
2. The completed verification provides a report and the required reference number.
3. Lenders submit the reference number to Fannie Mae's DU validation service and/or Freddie Mac's Loan Product Advisor® (LPASM℠) with the loan casefile.

Fannie Mae and Freddie Mac receive the verification report and underlying income and employment data. After the information is validated, Day 1 Certainty® or AIM eligibility is returned for eligible loans.

## Console

<div />

### Generating verification reports

1. After a borrower has connected their payroll account(s), go to the <a href="https://console.argyle.com/connections">Connections</a> section of Console.
2. Select the individual borrower from the Connections table.
3. Select **Generate report**. See [Reports](/overview/data-structure/reports) for the current API paths.

<img alt="Select a report type." />

### Locating reference numbers

A `Reference #` is listed at the top of the verification report and can be submitted to Fannie Mae for Day 1 Certainty® and Freddie Mac for AIM eligibility determinations.

<img alt="The reference number will be listed at the top of the report." />

## API

<div />

### Webhooks

Argyle provides a [`reports.ready`](/api-reference/reports-webhooks/ready) webhook that will notify you when sufficient data has been retrieved from the borrower's connected payroll account(s) to generate a verification report.

You can subscribe to this webhook [via Console](/console/management/webhooks), or via the API by sending a POST request to `https://api.argyle.com/v2/webhooks`. In the API request body, include a JSON object in the following format:

```json theme={}
{
    "events": ["reports.ready"],
    "name": "My webhook",
    "url": "https://your-webhook-backend.com",
    "secret": "<secret for signature verification>"     // Optional.
}
```

The `reports.ready` webhook's payload provides a list of the borrower's payroll accounts that have synced a sufficient amount of data to be used in the report.

<Note>
  The [accounts.connected](/api-reference/accounts-webhooks/connected) and [accounts.failed](/api-reference/accounts-webhooks/failed) webhooks can be used to track multiple account connections. Compare them to the accounts listed in the `reports.ready` webhook payload to determine when to generate a report.
</Note>

```json theme={}
{
    "event": "reports.ready",
    "name": "name-for-the-webhook-subscription",
    "data": {
        "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
        "resource": {
            "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
            "external_id": "March Connection",
            "accounts": [
                {
                    "id": "0185a8b8-60eb-80ca-7482-5f24504573f7",
                    "last_synced_at": "2024-01-08T12:55:04.016Z"
                },
                {
                    "id": "0187c66e-e7e5-811c-b006-2232f00f426a",
                    "last_synced_at": "2024-01-08T12:58:06.023Z"
                }
            ],
            "documents": []
        }
    }
}
```

### Requesting verification reports

Send a **POST** request to the [reports endpoint](/api-reference/reports#generate) — `https://api.argyle.com/v2/reports/voie-mortgage`

<Note>
  The [report type](/api-reference/reports#generate-type) is specified in the request path — e.g. `/voie-mortgage` or `/voe-mortgage`
</Note>

In the API request body, include a JSON object in the format below:

```json theme={}
{
    "user": "018b8255-4ab1-be4b-aa2c-e9ff41d75809"   // ID of the user
}
```

The initial API response will include the `id` of the report. After the report is generated, this `id` can be used to retrieve the report and is also the `Reference #` that can be submitted to Fannie Mae and/or Freddie Mac.

```json theme={}
{
    "id": "e0dbf946-a400-419c-946f-0adc7b5fbe36",   // ID of the report
    "user": "018b8255-4ab1-be4b-aa2c-e9ff41d75809",
    "reference_id": "e0dbf946-a400-419c-946f-0adc7b5fbe36",
    "generated_at": "2024-01-23T20:46:03.254Z",
    "created_at": "2024-01-23T20:46:03.254Z",
    "type": "voie-mortgage",
    "status": "generating",
    "file_url": "www.argyle.com/storagename/pdf",
    "json_url": "www.argyle.com/storagename/json",
    "accounts": [
        {
            "id": "0185a8b8-60eb-80ca-7482-5f24504573f7",
            "item": "item_123456789",
            "last_synced_at": "2024-01-08T12:55:04.016Z"
        },
        {
            "id": "0187c66e-e7e5-811c-b006-2232f00f426a",
            "item": "item_000000001",
            "last_synced_at": "2024-01-08T12:58:06.023Z"
        }
    ],
    "metadata": {},
    "last_synced_at": "2024-01-08T12:58:06.023Z",
    "external_id": "March Connection"
}
```

### Retrieving reference numbers

Send a **GET** request to the reports endpoint — `https://api.argyle.com/v2/reports/{id}`

<Note>
  Include the `id` of the report as the path parameter.
</Note>

The report object returned in the API response will contain:

* An `id` field with the `Reference #` that can be submitted to both Fannie Mae and Freddie Mac.
* A `metadata` object containing the eligible accounts and employments (as determined by Fannie Mae and Freddie Mac's guidelines) that were included in the report.

```json theme={}
{
    "id": "e0dbf946-a400-419c-946f-0adc7b5fbe36",         // Reference number
    "user": "018b8255-4ab1-be4b-aa2c-e9ff41d75809",
    "reference_id": "e0dbf946-a400-419c-946f-0adc7b5fbe36",
    "generated_at": "2024-01-23T20:46:03.254Z",
    "created_at": "2024-01-23T20:46:03.254Z",
    "type": "voie-mortgage",
    "status": "generated",
    "file_url": "www.argyle.com/storagename/pdf",
    "json_url": "www.argyle.com/storagename/json",
    "last_synced_at": "2024-01-22T16:44:25.889Z",
    "accounts": [
        {
            "id": "0185a8b8-60eb-80ca-7482-5f24504573f7",
            "item": "item_123456789",
            "last_synced_at": "2024-01-08T12:55:04.016Z"
        },
        {
            "id": "0187c66e-e7e5-811c-b006-2232f00f426a",
            "item": "item_000000001",
            "last_synced_at": "2024-01-08T12:58:06.023Z"
        }
    ],
    "metadata": {
        "d1c_report": {
            "status": "available",
            "accounts": [
                "0185a8b8-60eb-80ca-7482-5f24504573f7",   // D1C eligible account
                "0187c66e-e7e5-811c-b006-2232f00f426a",   // D1C eligible account
            ],
            "employments": [
                "b967118b-7d81-3c1b-bce0-c24d631cf5aa",
                "c235635a-5c55-2b8e-eba5-d99a326ad7ea",
            ]
        },
        "aim_report": {
            "status": "available",
            "accounts": [
                "0185a8b8-60eb-80ca-7482-5f24504573f7",   // AIM eligible account
                "0187c66e-e7e5-811c-b006-2232f00f426a",   // AIM eligible account
            ],
            "employments": [
                "b967118b-7d81-3c1b-bce0-c24d631cf5aa",
                "c235635a-5c55-2b8e-eba5-d99a326ad7ea"
            ]
        }
    },
    "external_id": "March Connection"
}
```

If the loan is not eligible for Day 1 Certainty and/or AIM, `not_available` will be shown in the `metadata` object in the respective area:

```json theme={}
"metadata": {
    "d1c_report": {
        "status": "not_available",
        "accounts": [],
        "employments": []
    },
    "aim_report": {
        "status": "not_available",
        "accounts": [],
        "employments": []
    }
}
```

If you are retrieving a report's contents in JSON format via the report's `json_url`, the `report_id` field will list the `Reference #`:

```json theme={}
{
    "report_id": "e0dbf946-a400-419c-946f-0adc7b5fbe36", // Reference number
    "type": "voie-mortgage",
    "user_id": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
    "external_id": "March Connection",
    "created_at": "2024-03-15T18:44:53.830Z",
    "last_synced_at": "2024-01-08T12:58:06.023Z",
    "metadata": {
        "d1c_report": {
            "status": "available",
            "accounts": [
                "0185a8b8-60eb-80ca-7482-5f24504573f7",
                "0187c66e-e7e5-811c-b006-2232f00f426a",
            ],
            "employments": [
                "b967118b-7d81-3c1b-bce0-c24d631cf5aa",
                "c235635a-5c55-2b8e-eba5-d99a326ad7ea",
            ]
        },
        "aim_report": {
            "status": "available",
            "accounts": [
                "0185a8b8-60eb-80ca-7482-5f24504573f7",
                "0187c66e-e7e5-811c-b006-2232f00f426a",
            ],
            "employments": [
                "b967118b-7d81-3c1b-bce0-c24d631cf5aa",
                "c235635a-5c55-2b8e-eba5-d99a326ad7ea"
            ]
        }
    },
    "employments": [
        {
            "employment": "b967118b-7d81-3c1b-bce0-c24d631cf5aa",
            "account": "0185a8b8-60eb-80ca-7482-5f24504573f7",
            "last_synced_at": "2024-01-08T12:55:04.016Z",
            "source": "Worknight",
            "first_name": "Bob",
            "last_name": "Jones",
            "full_name": "Bob Jones",
            "birth_date": "1980-10-10",
            "ssn": "522-09-1191",
            "phone_number": "+18009000010",
            "email": "bob@email.com",
            "employee_address": {
                "line1": "342 Fence Rd",
                "line2": null,
                "city": "New York",
                "state": "NY",
                "postal_code": "10014",
                "country": "US"
            },
            "employer": "Whole Goods",
            "employer_address": {
                "line1": "852 North W St",
                "line2": null,
                "city": "New York",
                "state": "NY",
                "postal_code": "10014",
                "country": "US"
            },
            "status": "active",
            "employment_type": "full-time",
            "job_title": "Store Manager",
            "base_pay": {
                "amount": "75372.62",
                "currency": "USD",
                "period": "annual"
            },
            "pay_cycle": "monthly",
            "start_date": "2020-08-28",
            "original_hire_date": "2020-08-28",
            "end_date": null,
            "length_of_work": {
                "years": "2",
                "months": "6"
            },
            "last_pay_period_end_date": "2023-03-22",
            "last_paystub_date": "2023-03-24",
            "income": [
                {
                    "period": "2023",
                    "currency": "USD",
                    "gross_pay": {
                        "total": "25124.20",
                        "base": "25124.20",
                        "overtime": "0.00",
                        "commission": "0.00",
                        "bonus": "0.00",
                        "other": "0.00"
                    }
                },
                {
                    "period": "2022",
                    "currency": "USD",
                    "gross_pay": {
                        "total": "82866.32",
                        "base": "81653.65",
                        "overtime": "0.00",
                        "commission": "881.09",
                        "bonus": "331.58",
                        "other": "0.00"
                    }
                },
                {
                    "period": "2021",
                    "currency": "USD",
                    "gross_pay": {
                        "total": "87854.76",
                        "base": "81653.65",
                        "overtime": "5774.51",
                        "commission": "426.60",
                        "bonus": "0.00",
                        "other": "0.00"
                    }
                }
            ],
            "monthly_income": {
                "argyle": {
                    "total": "7102.33",
                    "base": "6902.55",
                    "overtime": "165.94",
                    "bonus": "5.22",
                    "commission": "28.62",
                    "other": "0.00"
                }
            },
            "callouts": []
        },
        {
            "employment": "c235635a-5c55-2b8e-eba5-d99a326ad7ea",
            "account": "0187c66e-e7e5-811c-b006-2232f00f426a",
            "last_synced_at": "2024-01-08T12:58:06.023Z",
            "source": "Bullseye",
            "first_name": "Bob",
            "last_name": "Jones",
            "full_name": "Bob Jones",
            "birth_date": "1980-10-10",
            "ssn": "522-09-1191",
            "phone_number": "+18009000010",
            "email": "bob@email.com",
            "employee_address": {
                "line1": "342 Fence Rd",
                "line2": null,
                "city": "New York",
                "state": "NY",
                "postal_code": "10014",
                "country": "US"
            },
            "employer": "Bullseye",
            "employer_address": {
                "line1": "119 Green Ridge",
                "line2": null,
                "city": "New York",
                "state": "NY",
                "postal_code": "10014",
                "country": "US"
            },
            "status": "active",
            "employment_type": "part-time",
            "job_title": "Clerk",
            "base_pay": {
                "amount": "61030.57",
                "currency": "USD",
                "period": "annual"
            },
            "pay_cycle": "monthly",
            "start_date": "2020-06-29",
            "original_hire_date": "2020-06-29",
            "end_date": null,
            "length_of_work": {
                "years": "2",
                "months": "9"
            },
            "last_pay_period_end_date": "2023-02-23",
            "last_paystub_date": "2023-02-24",
            "income": [
                {
                    "period": "2023",
                    "currency": "USD",
                    "gross_pay": {
                        "total": "20848.92",
                        "base": "20343.52",
                        "overtime": "0.00",
                        "commission": "0.00",
                        "bonus": "505.40",
                        "other": "0.00"
                    }
                },
                {
                    "period": "2022",
                    "currency": "USD",
                    "gross_pay": {
                        "total": "68070.08",
                        "base": "66116.44",
                        "overtime": "0.00",
                        "commission": "777.54",
                        "bonus": "1176.10",
                        "other": "0.00"
                    }
                },
                {
                    "period": "2021",
                    "currency": "USD",
                    "gross_pay": {
                        "total": "68378.52",
                        "base": "66116.44",
                        "overtime": "0.00",
                        "commission": "641.94",
                        "bonus": "1620.14",
                        "other": "0.00"
                    }
                }
            ],
            "monthly_income": {
                "argyle": {
                    "total": "5683.51",
                    "base": "5512.92",
                    "overtime": "0.00",
                    "bonus": "119.51",
                    "commission": "51.08",
                    "other": "0.00"
                }
            },
            "callouts": []
        }
    ]
}
```

## Encompass

When you use the Argyle Encompass® integration, the required GSE report identifiers are populated automatically in the loan file. See the [Day 1 Certainty® and AIM section](/integrations/pos-los/encompass/verifications#day-1-certainty-and-aim) of the Encompass Guide for details and the payroll and Doc VOI field mappings.

## Empower

Visit the [Day 1 Certainty® and AIM section](/integrations/pos-los/empower#day-1-certainty-and-aim) of our Empower Guide for more information on submitting reference numbers through the Empower® LOS platform.

## MeridianLink

Reference numbers can be submitted for Day 1 Certainty® through the [MeridianLink® LOS platform](https://www.meridianlink.com/solutions/loan-origination-system/).

1. [Copy a `Reference #` from the verification report.](/integrations/d1c-aim/verifications#locating-reference-numbers)
2. Within the MeridianLink® LOS:
   1. Open the **Services** dropdown in the left sidebar and select **Submit to DO / DU**.
   2. In the **DU Validation** section:
      1. Select `Argyle` as the **3rd Party Data Provider Name**.
      2. Insert the `Reference #` from Argyle's report into the **Reference Number** field.
   3. Submit the loan to Fannie Mae's DU® validation service.

## LendingPad

1. Select **Income Asset Verification** from the **Loan Application** dropdown.
2. Select `Income` as the **Type**.
3. Select `Argyle` as the **Contact**.
4. [Copy a `Reference #` from the verification report.](/integrations/d1c-aim/verifications#locating-reference-numbers).
5. Paste the `Reference #` as the **Identifier**.
6. Submit the loan file for AUS as normal.

<img alt="Argyle can be submitted through LendingPad AUS." />

## Byte

BytePro's Fannie Mae and Freddie Mac LPA interfaces let you reissue verifications via **Verification Services**.

<img alt="Argyle can be submitted through Byte LOS." />

1. Select `Interfaces > Fannie Mae` or `Interfaces > Freddie Mac`
2. Select either:
   * `DO` or `DU XIS` for Fannie Mae
   * `LPA System-to-System` for Freddie Mac
3. Proceed to **Verification Services**.
4. On the **Edit Service Order** screen:
   * Select your `Vendor Type`
     <Note>
       * Use `Other` + `Argyle` for Fannie Mae
       * Use `Other` + `ARGL` for Freddie Mac
     </Note>
   * Select your `Verification Type`
     <Note>
       * Select `Income`
     </Note>
   * Input the `Reference Number`
     <Note>
       * Include the borrower's `Social Security Number` before Argyle's [`Reference Number`](/integrations/d1c-aim/verifications#locating-reference-numbers)
       * Use a colon `:` separator:
         * For example: `1112224444:018d226-945d-64c6-1a0e-c10ab893707e`
       * Values are case-sensitive and may include non-alphanumeric characters such as hyphens
     </Note>


# OCR and Authenticity
Source: https://docs.argyle.com/integrations/ocr/ocrolus

OCR and Authenticity information for document uploads.

Argyle offers uploaded document processing through <a href="https://www.ocrolus.com/">Ocrolus' optical character recognition (OCR) service</a>. The text within uploaded documents is scanned, and the authenticity of the document is evaluated. The results are made available to view directly in Console or retrieve via Argyle's API.

<Note>
  Ocrolus is available for W-2, 1099, and paystub [document uploads](/workflows/document-processing).
</Note>

<img alt="Image showing the process of integrating third party OCR data with Argyle." />

## Uploading documents

Documents can be uploaded via Argyle's API or directly by users through Argyle Link.

<Note>
  Refer to our [Document Processing Guide](/workflows/document-processing#uploading-documents) for more information on setting up document uploads.
</Note>

## Document classification

After documents are uploaded, you can optionally choose to classify the documents. This classification pre-processing step will return:

* The document type (e.g. paystubs or W-2)
* Key data fields (e.g. pay date or year)

This document information can be used to decide which documents are sent to full OCR data extraction and authenticity analysis (i.e. send only paystubs to full OCR).

<Note>
  If you are interested in document classification, reach out to your Argyle customer success manager.
</Note>

## Retrieving OCR data

<div />

### Console

<img alt="Uploaded document OCR information can be viewed by selecting the  JSON toggle within the Connections sections of Console." />

1. Select an individual user within the <a href="https://console.argyle.com/connections">Connections</a> section of Console.
2. When viewing **Uploaded documents**:
   * An `OCR` tag is shown when OCR data is available.
   * The **Authenticity** column will display the document's [Authenticity score](/integrations/ocr/ocrolus#authenticity-scores).
3. Click the `{} JSON` toggle to view OCR data and detailed Authenticity information.
   * The [`ocr_documents`](/api-reference/user-uploads#object-metadata-ocr_documents) array contains OCR and authenticity results for each detected document.
   <Note>
     Refer to Ocrolus' documentation for <a href="https://docs.ocrolus.com/docs/capture">data field descriptions</a> and <a href="https://docs.ocrolus.com/docs/authenticity-score">how document authenticity is evaluated</a>.
   </Note>
4. Click the `View summary` button to view a summary of authenticity information for the uploaded document.
   <Note>
     Additional OCR data including employee, employer, and income details will also be shown for paystubs.
   </Note>

<img alt="Summary information of document authenticity returned by Ocrolus can be viewed in Console." />

### API

Uploaded documents can be retrieved through Argyle's [`/user-uploads`](/api-reference/user-uploads) endpoint.

`metadata.ocr_documents` contains OCR and authenticity results for each document detected within the uploaded file.

<Accordion title="Example JSON — Uploaded document with OCR and Authenticity data">
  ```json theme={}
  {
    "id": "0187bf23-cd80-118d-c0b8-58023e21c8e5",
    "account": "01856c65-43b6-8b5d-b32a-56b8fbda5c28",
    "document_type": "paystub",
    "file_url": "www.argyle.com/storagename",
    "file_name": "2024_10_paystub.pdf",
    "status": "submitted",
    "metadata": {
      "ocr_data": {}, // Deprecated in favor of ocr_documents
      "ocr_authenticity": {}, // Deprecated in favor of ocr_documents.ocr_authenticity
      "ocr_authenticity_score": 40, // Deprecated in favor of ocr_documents.ocr_authenticity_score
      "ocr_documents": [
        {
          "ocr_data": {
            "uuid": "d38a23ef-835e-4e72-a5d3-9fefc3e5a989",
            "status": "COMPLETED",
            "net_pay": {
              "totals": {
                "ytd_pay": {
                  "amount": null,
                  "currency": null
                },
                "current_pay": {
                  "amount": "426.93",
                  "currency": "USD"
                },
                "description": "NET PAY",
                "canonical_description": null
              },
              "distribution_details": [
                {
                  "bank_name": null,
                  "current_pay": {
                    "amount": "426.93",
                    "currency": "USD"
                  },
                  "description": "CHECKING 1699",
                  "account_number": "1699",
                  "bank_account_type": "CHECKING"
                }
              ]
            },
            "doc_uuid": "3b43a2fb-0b2b-4c9b-a24c-26e216c3426f",
            "earnings": {
              "totals": [
                {
                  "ytd_pay": {
                    "amount": "1399.80",
                    "currency": "USD"
                  },
                  "current_pay": {
                    "amount": "427.05",
                    "currency": "USD"
                  },
                  "description": "GROSS PAY",
                  "current_hours": "28.47",
                  "canonical_description": null
                }
              ],
              "subtotals": [
                {
                  "ytd_pay": {
                    "amount": "1324.80",
                    "currency": "USD"
                  },
                  "current_pay": {
                    "amount": "427.05",
                    "currency": "USD"
                  },
                  "description": "REGULAR",
                  "current_rate": "15.0000",
                  "current_hours": "28.47",
                  "canonical_description": "REGULAR PAY"
                },
                {
                  "ytd_pay": {
                    "amount": "75.00",
                    "currency": "USD"
                  },
                  "current_pay": {
                    "amount": "45.00",
                    "currency": "USD"
                  },
                  "description": "SURGE PREM $ 5",
                  "current_rate": "5.000",
                  "current_hours": "9.00",
                  "canonical_description": "OTHER"
                }
              ]
            },
            "employee": {
              "name": "BOB JONES",
              "address": {
                "city": null,
                "line1": "759 VICTORIA PLAZA",
                "line2": null,
                "state_code": "NY",
                "postal_code": "10014"
              },
              "taxpayer_id": {
                "id_type": null,
                "last_4_digits": null
              },
              "marital_status": "SINGLE"
            },
            "employer": {
              "name": "WAREHOUSE SERVICES INC",
              "address": {
                "city": "SEATTLE",
                "line1": "202 WESTLAKE AVE N",
                "line2": null,
                "state_code": "WA",
                "postal_code": "98109"
              }
            },
            "book_uuid": "b6ded9fb-72b9-45ab-b788-deeeb424bc4b",
            "confidence": "EXACT_MATCH",
            "deductions": {
              "totals": [],
              "subtotals": [
                {
                  "ytd_pay": {
                    "amount": "20.30",
                    "currency": "USD"
                  },
                  "current_pay": {
                    "amount": "6.85",
                    "currency": "USD"
                  },
                  "description": "MEDICARE TAX",
                  "canonical_description": "MEDICARE TAX"
                },
                {
                  "ytd_pay": {
                    "amount": "14.00",
                    "currency": "USD"
                  },
                  "current_pay": {
                    "amount": "9.00",
                    "currency": "USD"
                  },
                  "description": "MO STATE INCOME TAX",
                  "canonical_description": "STATE TAX"
                },
                {
                  "ytd_pay": {
                    "amount": "86.79",
                    "currency": "USD"
                  },
                  "current_pay": {
                    "amount": "29.27",
                    "currency": "USD"
                  },
                  "description": "SOCIAL SECURITY TAX",
                  "canonical_description": "SOCIAL SECURITY TAX"
                }
              ]
            },
            "ocr_page_count": 1,
            "paystub_details": {
              "pay_date": "2020-12-28",
              "pay_frequency": null,
              "paystub_provider": "ADP",
              "pay_period_end_date": "2020-12-26",
              "pay_period_start_date": "2020-12-16",
              "pay_frequency_captured": "NOT LISTED"
            },
            "doc_page_numbers": [
              1
            ],
            "rejection_reason": null,
            "confidence_scores": [
              {
                "key": "earnings.subtotals[0].current_hours",
                "confidence": 1.0
              },
              {
                "key": "earnings.subtotals[0].ytd_pay.amount",
                "confidence": 1.0
              },
              {
                "key": "deductions.subtotals[2].current_pay.amount",
                "confidence": 1.0
              },
              {
                "key": "net_pay.distribution_details[0].account_number",
                "confidence": 1.0
              },
              {
                "key": "deductions.subtotals[0].description",
                "confidence": 1.0
              },
              {
                "key": "earnings.subtotals[0].description",
                "confidence": 1.0
              },
              {
                "key": "earnings.totals[0].current_hours",
                "confidence": 1.0
              },
              {
                "key": "earnings.subtotals[1].description",
                "confidence": 1.0
              },
              {
                "key": "deductions.subtotals[0].ytd_pay.amount",
                "confidence": 1.0
              },
              {
                "key": "deductions.subtotals[0].current_pay.amount",
                "confidence": 1.0
              },
              {
                "key": "net_pay.distribution_details[0].current_pay.amount",
                "confidence": 1.0
              },
              {
                "key": "earnings.totals[0].current_pay.amount",
                "confidence": 1.0
              },
              {
                "key": "net_pay.distribution_details[0].bank_account_type",
                "confidence": 1.0
              },
              {
                "key": "deductions.subtotals[1].ytd_pay.amount",
                "confidence": 1.0
              },
              {
                "key": "earnings.subtotals[1].ytd_pay.amount",
                "confidence": 1.0
              },
              {
                "key": "deductions.subtotals[2].ytd_pay.amount",
                "confidence": 1.0
              },
              {
                "key": "earnings.subtotals[0].current_pay.amount",
                "confidence": 1.0
              },
              {
                "key": "earnings.subtotals[1].current_rate",
                "confidence": 1.0
              },
              {
                "key": "deductions.subtotals[1].current_pay.amount",
                "confidence": 1.0
              },
              {
                "key": "earnings.totals[0].ytd_pay.amount",
                "confidence": 1.0
              },
              {
                "key": "earnings.subtotals[0].current_rate",
                "confidence": 1.0
              },
              {
                "key": "net_pay.totals.current_pay.amount",
                "confidence": 1.0
              },
              {
                "key": "earnings.subtotals[1].current_pay.amount",
                "confidence": 1.0
              },
              {
                "key": "deductions.subtotals[2].description",
                "confidence": 1.0
              },
              {
                "key": "deductions.subtotals[1].description",
                "confidence": 1.0
              },
              {
                "key": "earnings.subtotals[1].current_hours",
                "confidence": 1.0
              },
              {
                "key": "employment_details.annual_salary.amount",
                "confidence": 1.0
              },
              {
                "key": "employee.address.city",
                "confidence": 1.0
              },
              {
                "key": "employee.address.line1",
                "confidence": 1.0
              },
              {
                "key": "employee.address.line2",
                "confidence": 1.0
              },
              {
                "key": "employee.address.postal_code",
                "confidence": 1.0
              },
              {
                "key": "employee.address.state_code",
                "confidence": 1.0
              },
              {
                "key": "employee.name",
                "confidence": 1.0
              },
              {
                "key": "employer.address.city",
                "confidence": 1.0
              },
              {
                "key": "employer.address.line1",
                "confidence": 1.0
              },
              {
                "key": "employer.address.line2",
                "confidence": 1.0
              },
              {
                "key": "employer.address.postal_code",
                "confidence": 1.0
              },
              {
                "key": "employer.address.state_code",
                "confidence": 1.0
              },
              {
                "key": "employer.name",
                "confidence": 1.0
              },
              {
                "key": "employment_details.hire_date",
                "confidence": 1.0
              },
              {
                "key": "employment_details.hourly_rate.amount",
                "confidence": 1.0
              },
              {
                "key": "employee.marital_status",
                "confidence": 1.0
              },
              {
                "key": "net_pay.totals.ytd_pay.amount",
                "confidence": 1.0
              },
              {
                "key": "employment_details.pay_basis",
                "confidence": 1.0
              },
              {
                "key": "paystub_details.pay_date",
                "confidence": 1.0
              },
              {
                "key": "paystub_details.pay_frequency_captured",
                "confidence": 1.0
              },
              {
                "key": "paystub_details.pay_period_end_date",
                "confidence": 1.0
              },
              {
                "key": "paystub_details.pay_period_start_date",
                "confidence": 1.0
              },
              {
                "key": "paystub_details.paystub_provider",
                "confidence": 1.0
              },
              {
                "key": "employee.taxpayer_id.last_4_digits",
                "confidence": 1.0
              }
            ],
            "employment_details": {
              "hire_date": null,
              "pay_basis": "HOURLY",
              "hourly_rate": {
                "amount": null,
                "currency": null
              },
              "annual_salary": {
                "amount": null,
                "currency": null
              }
            },
            "uploaded_image_bucket_uuid": null
          },
          "ocr_authenticity": {
            "book_uuid": "e048543d-043f-441a-b1cf-524328034ddf",
            "doc_analysis": [
              {
                "detect_status": "COMPLETED",
                "form_analysis": [
                  {
                    "signals": [
                      {
                        "identifier": "earnings_edits",
                        "page_number": 1,
                        "display_name": "Earnings Edits",
                        "signal_count": 1,
                        "supporting_data": [
                          {
                            "values": [
                              {
                                "key": "field_name",
                                "value": "earnings:grossPay(Current)",
                                "data_type": "str"
                              },
                              {
                                "key": "original_text",
                                "value": "427.05",
                                "data_type": "str"
                              },
                              {
                                "key": "tampered_text",
                                "value": "100.000",
                                "data_type": "str"
                              }
                            ]
                          }
                        ]
                      }
                    ],
                    "form_type": "PAYSTUB",
                    "form_uuid": "83fc263e-4463-4ed1-aeeb-407ed3123178",
                    "form_authenticity": {
                      "score": 40,
                      "version": "1.0",
                      "reason_codes": [
                        {
                          "code": "004-H",
                          "confidence": "HIGH",
                          "description": "original document recovered"
                        },
                        {
                          "code": "330-H",
                          "confidence": "HIGH",
                          "description": "paystub earnings tampered"
                        }
                      ]
                    }
                  }
                ],
                "uploaded_doc_type": "PAYSTUB",
                "uploaded_doc_uuid": "56fc50b0-d162-43d0-ab1a-809b85b3a3c1",
                "is_image_based_pdf": false
              }
            ]
          },
          "ocr_authenticity_score": 40
        },
        {
          "ocr_data": {},
          "ocr_authenticity": {},
          "ocr_authenticity_score": null
        }
      ]
    },
    "created_at": "2023-03-17T10:40:00.672Z",
    "updated_at": "2023-03-17T10:45:20.035Z"
  }
  ```
</Accordion>

The following fields contain OCR and authenticity information:

* `ocr_documents` — Array. Contains one OCR and authenticity result for each document detected within the uploaded file.
* `ocr_data` — Deprecated object. Use `ocr_documents[].ocr_data`.
* `ocr_authenticity` — Deprecated object. Use `ocr_documents[].ocr_authenticity`.
* `ocr_authenticity_score` — Deprecated integer. Use `ocr_documents[].ocr_authenticity_score`.

<Note>
  Refer to Ocrolus' documentation for <a href="https://docs.ocrolus.com/docs/capture">data field descriptions</a> and <a href="https://docs.ocrolus.com/docs/authenticity-score">how document authenticity is evaluated</a>.

  <Note>
    Argyle does not return HTTP or Ocrolus-specific status codes returned by the Ocrolus API.
  </Note>
</Note>

## Authenticity scores

Authenticity scores are <a href="https://docs.ocrolus.com/docs/authenticity-score">determined by Ocrolus</a>.

| Score range | Authenticity level    | Examples                                                      |
| ----------- | --------------------- | ------------------------------------------------------------- |
| 0-29        | Very low authenticity | Identity information (SSN, employee name, address) tampering  |
| 30-49       | Low authenticity      | Created as a template, income tampering                       |
| 50-79       | Medium authenticity   | Editing software detected, dates tampering, fields misaligned |
| 80+         | High authenticity     | Document is an image (80 score)                               |

<Note>
  Currently available only for paystub and W-2 document types.
</Note>

## OCR webhooks

Subscribe to the following webhooks to be notified of OCR updates:

* [`user_uploads.ocr_completed`](/api-reference/user-uploads-webhooks/ocr-completed)
* [`user_uploads.ocr_failed`](/api-reference/user-uploads-webhooks/ocr-failed)
* [`user_uploads.ocr_authenticity`](/api-reference/user-uploads-webhooks/ocr-authenticity)

## OCR errors

If an uploaded document cannot be processed by Ocrolus, an `error` object will be returned in `ocr_documents`.

This `error` object will contain:

* A `status` field listing the <a href="https://docs.ocrolus.com/docs/document-status">Ocrolus document status</a>. For errors, the value will either be `FAILED` or `REJECTED`.
* A `rejection_reason` field listing the <a href="https://docs.ocrolus.com/docs/rejection-reasons">Ocrolus rejection reason</a> for `REJECTED` documents.

The two most common rejection errors are:

* `DOCUMENT TYPE NOT SUPPORTED` — For example, a bank statement was submitted when a paystub was expected.
* `DOCUMENT IS UNREADABLE` — The document was too blurry to read and could not be processed.

```json theme={}
"metadata": {
    "ocr_documents": [
      {
        "ocr_data": {
          "error": {
            "pk": 80352036,
            "md5": "e623b68dc110aad14158fdba31d40c6f",
            "name": "form/paystubs/4e6ad54c-4232-4459-9e20-96fa721b9a38",
            "uuid": "2cba5abd-3a2d-48a1-b786-0c6d4550d4ea",
            "pages": 1,
            "status": "REJECTED",
            "document_class": "COMPLETE",
            "image_group_pk": null,
            "rejection_reason": "DOCUMENT TYPE NOT SUPPORTED",
            "mixed_uploaded_doc_pk": null,
            "rejection_reason_description": null
          }
        },
        "ocr_authenticity": {},
        "ocr_authenticity_score": null
      }
    ]
}
```


# Consumer Connect
Source: https://docs.argyle.com/integrations/pos-los/consumer-connect

Let borrowers complete payroll and banking connection steps within Consumer Connect.

Encompass® Consumer Connect is a digital mortgage point-of-sale (POS) platform developed by ICE Mortgage Technology®.

With Argyle embedded in Consumer Connect, borrowers can connect payroll and financial accounts through guided flows within their application.

Consumer Connect imports the employment, income, and asset data borrowers share through those connections. Supported payroll documents and verification reports are routed to Encompass®.

## Employment & Income

<div />

### Overview

Incorporating Argyle makes the borrower experience truly paperless:

1. Borrowers connect their payroll accounts through Argyle within Consumer Connect.
2. Payroll data shared by the borrower populates supported loan application fields.
3. Imported payroll documents and verification reports are made available in the [Encompass® integration](/integrations/pos-los/encompass/verifications) for the borrower's loan file.

<img alt="Connect borrowers through Argyle within the Consumer Connect mortgage platform to easily retrieve the borrower's payroll information." />

### Borrower experience

#### Starting a new loan application

1. Borrowers apply through your Consumer Connect site.
2. Borrowers register for an account or log in to an existing one.

<Note>
  Borrowers must be registered and logged in to their account to access third-party services such as Argyle.
</Note>

#### Importing employment and income

1. When borrowers arrive at the **Employment and Income** section of the application, they first need to provide their consent to having their employment and income data imported by a third-party provider.

2. After consent, borrowers must select `Import Employment/Income`

   <img alt="In the Employment and Income section of the application, borrowers need to select Import Employment/Income in the upper right." />

3. The borrower will then fill out preliminary information such as their name, social security number, and date of birth (this information is typically pre-filled). Once completed, the borrower must click `Next` to open the Argyle interface:

   <img alt="The Argyle interface will help guide the borrower in connecting their payroll accounts." />

#### Connecting payroll via Argyle

1. Argyle's interface will guide the borrower through the process of logging in to their employers or payroll providers to establish a data connection.

   <img alt="Borrower connect their employers and payroll providers via Argyle using a simple process that only requires their login credentials." />

2. After the account connects, payroll data begins importing. If more employment history is required, the borrower is prompted to connect another account. Otherwise, the borrower can select `Done` and return to the application.

   <img alt="After the borrower connects their accounts, the experience either requests more employment history or lets the borrower finish." />

### Payroll data populates the application

After the borrower completes the connection process, supported employment and income data populates the application and maps to the loan file, including:

* Borrower Employer Information (including start date and length of employment)
* Borrower Gross Monthly Income

### Payroll documents and verification reports available in Encompass

Imported payroll documents and verification reports are made available within the [Encompass® integration](/integrations/pos-los/encompass/verifications) for the borrower's loan file.

### Admin setup

1. Log in to the **<a href="http://admin.elliemae.com/encompassconsumerconnect">Consumer Connect Admin</a>** portal via Encompass®.

2. Go to **Services Management** and select `Argyle` as the **Provider** next to **Employment and Income Verification Settings**.

   <img alt="Select Argyle in Services Management for Employment and Income Verification." />

3. When prompted, enter your Argyle API key and secret, which can be found in the <a href="https://console.argyle.com/api-keys">Developers section</a> of Argyle Console.

   <img alt="Enter your API key and secret, which can be found or created in Argyle Console." />

4. Navigate to the **LOAN APP WORKFLOWS** section of the navigation menu, then select `Create Workflow`

   <img alt="Select Create Workflow in the upper right after select LOAN APP WORKFLOWS." />

5. Within **Admin Configurations**, open the **Service Settings** toggle.

6. Scroll down to **VOE/VOI** and `enable the toggle` then click `Save`

   <img alt="Enable the VOE/VOI toggle then save." />

*For further assistance, please reach out to [support@argyle.com](mailto:support@argyle.com) or your Customer Success Manager.*

### Testing profiles

1. Choose `Argyle Sandbox` when selecting a **Provider** during step 2 of [Admin setup](/integrations/pos-los/consumer-connect#admin-setup).

   <img alt="Select Argyle Sandbox in Services Management for Employment and Income Verification." />

2. When testing [connecting payroll via Argyle](/integrations/pos-los/consumer-connect#connecting-payroll-via-argyle), use the following test credentials of Argyle's sample users:

   |                    | Bob                           | Sarah                         | Joe\*                         |
   | ------------------ | ----------------------------- | ----------------------------- | ----------------------------- |
   | Email              | test1<span>@</span>argyle.com | test2<span>@</span>argyle.com | test3<span>@</span>argyle.com |
   | Username           | test\_1                       | test\_2                       | test\_3                       |
   | Password           | passgood                      | passgood                      | passgood                      |
   | Verification code  | 8081                          | 8082                          | 8083                          |
   | Phone number       | (800) 900-0010                | (800) 900-0020                | (800) 900-0030                |
   | Driver's license # | D1230010                      | D1230020                      | D1230030                      |

   <br />

3. For specific scenario testing, the following sample users are also available:
   |                    | Homer Loanseeker                          | Suzi Builder                          | Andy Freddie                             |
   | ------------------ | ----------------------------------------- | ------------------------------------- | ---------------------------------------- |
   | Email              | homer\_loanseeker<span>@</span>argyle.com | suzi\_builder<span>@</span>argyle.com | andy\_freddie<span>@</span>argyle.com    |
   | Username           | homer\_loanseeker                         | suzi\_builder                         | andy\_freddie                            |
   | Password           | passgood                                  | passgood                              | passgood                                 |
   | Verification code  | 9081                                      | 9084                                  | 9088                                     |
   | Phone number       | (800) 900-0101                            | (800) 900-0104                        | (800) 900-0108                           |
   | Driver's license # | D1230101                                  | D1230104                              | D1230108                                 |
   | **Returns**        | **1 active employment**                   | **2 active employments**              | **1 active and 1 terminated employment** |

## Financial accounts

<div />

### Overview

Argyle also provides a native bank connection experience within Consumer Connect:

1. Borrowers connect their financial accounts within the Argyle experience.
2. Asset data will automatically populate the borrower's Consumer Connect application.
3. After importing to Encompass®:
   * Argyle will automatically generate a verification of assets (VOA) or verification of assets and income (VOAI) report.
   * Asset data will automatically be added to the 1003 URLA and report identifiers required by GSEs will be added to the Encompass® loan file.
   * Closing verification of employment (VOE) reports can be ordered as needed within Encompass®.

### Borrower experience

1. Borrower selects `Import Assets` within the **Assets** section of their application.

   <img alt="Import Assets is selected on the Assets tab of Consumer Connect." />

2. The borrower will then fill out preliminary information such as their name, social security number, and date of birth (this information is typically pre-filled).

   <img alt="The borrower enters preliminary information within the application." />

3. Once completed, the borrower must click `Next`. The borrower will then be guided through the process of logging in to their financial institutions to establish a data connection.

   <img alt="Borrower connect their financial institutions using a simple process that only requires their login credentials." />

4. For each financial institution, the borrower will select which associated accounts to connect.

   <img alt="After providing their login credentials and establishing a connection to their financial institution, the borrower will select which financial accounts associated with that institution to connect." />

### Asset data populates the application

After the borrower completes the connection process, supported asset data from the selected financial accounts begins importing into the Consumer Connect application. The borrower can add other assets manually or continue the application.

### Asset data and verification reports available in Encompass

The borrower's asset data can be imported to Encompass®. Argyle will automatically generate a verification of assets (VOA) or verification of assets and income (VOAI) report and add it to the loan file, in addition to populating asset data in the 1003 URLA and report identifiers required by GSEs within the Encompass® loan file.

<Note>
  Closing verification of employment (VOE) reports can also be ordered as needed within Encompass®, as long as a verification of assets and income (VOAI) report has previously been generated.
</Note>

### Admin setup

1. Log in to the **<a href="http://admin.elliemae.com/encompassconsumerconnect">Consumer Connect Admin</a>** portal via Encompass®.

2. Go to **Services Management** and select `Finicity` as the Provider next to **Asset Verification**.

   <img alt="Select Finicity in Services Management for Asset Verification." />

3. When prompted, enter your **Application Key**, **Partner ID**, and **Partner Secret**.

   <Note>
     Reach out to your Argyle representative to obtain these integration credentials.
   </Note>

   <img alt="Enter your API key and secret, which will be provided to you by Argyle." />

4. Navigate to the **LOAN APP WORKFLOWS** section of the navigation menu, then select `Create Workflow`

   <img alt="Select Create Workflow in the upper right after select LOAN APP WORKFLOWS." />

5. Within **Admin Configurations**, open the **Service Settings** toggle.

6. Scroll down to **Asset Verification** and `enable the toggle` then click `Save`

   <img alt="Enable the Asset Verification toggle then save." />

*For further assistance, please reach out to [support@argyle.com](mailto:support@argyle.com) or your Customer Success Manager.*

### Testing profiles

1. Use <a href="https://developer.mastercard.com/open-banking-us/documentation/test-the-apis/#bank-account-profiles">sample banking credentials</a> to log into either the `FinBank Billable` or `FinBank Oauth Billable` financial institutions for testing.
2. For specific scenario testing, the following sample users are also available:
   |             | Sue Wealthy                                                                                                                                                                                                                                                                                             | River Paycheck                                                                                                                                                                                                                                                            | Alex Student                                                                                                                                                                                                                                                                                                                                   |
   | ----------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
   | Username    | sue\_wealthy                                                                                                                                                                                                                                                                                            | river\_paycheck                                                                                                                                                                                                                                                           | alex\_student                                                                                                                                                                                                                                                                                                                                  |
   | Password    | profile\_700                                                                                                                                                                                                                                                                                            | profile\_703                                                                                                                                                                                                                                                              | profile\_704                                                                                                                                                                                                                                                                                                                                   |
   | Description | Sue is working as a Product Manager with a good steady income, a mortgage, and multiple investment accounts. She has a loan account and leases a car. Sue travels a few times a year. She has typical expenses like groceries, clothes, entertainment, gym membership, car expenses, and she has a pet. | River works in construction. He rents an apartment and has typical expenses like groceries, clothes, entertainment, household and car expenses. He has some savings but no investments, no loans and no credit cards. In some months, River's expenses exceed his income. | Alex is working full-time with a good salary but she is still paying off her student loan. She makes regular monthly repayments, but she still has over \$30,000 to pay off. Alex has typical expenses like groceries, clothes, entertainment, household, and car expenses. She has limited savings and she has started an investment account. |


# Empower
Source: https://docs.argyle.com/integrations/pos-los/empower

Verify income and employment within the Empower® LOS platform.

## Overview

Entirely within the Empower® Loan Origination Platform, loan teams can order income and employment verifications using payroll data borrowers share from connected accounts.

* Generate **Verification of Income** and **Verification of Employment** reports.
* Access and view **W-2s** and **paystubs** from connected payroll accounts.
* **Re-verify employment** prior to final closing.

## How it works

1. Loan officers select Argyle as the **Exchange Verification** provider and choose a product:
   * Initial Verification of Income (VOI) and Verification of Employment (VOE)
   * Re-verification of Employment (VOE only)
2. After submitting a verification order, the borrower is invited to [connect their payroll accounts](/workflows/account-connections) through Link.
3. The following documents are made available in the Empower® **Document Repository**:
   * VOI and VOE report PDFs
   * The borrower's last two W-2s
   * The borrower's paystubs from the last 30 days

## Enabling the integration

1. Reach out to your Empower® account representative to enable Argyle's verification of income and employment integration.
2. Once you receive your Party ID from Empower®, go to the <a href="https://console.argyle.com/integrations">Integrations section</a> of Argyle Console and **Enable** the integration.
3. Enter your Party ID and assign it to Sandbox (testing) or Production. Multiple Party ID's can be added and assigned independently.

   <img alt="Enable Argyle's integration with Empower by entering your Party IDs within the Integrations section of Argyle Console." />

## Ordering a verification

1. Select **Exchange Verifications** from within a loan file and **Begin a New Order (Service Request)**.
2. Choose `Argyle` as the verification **Provider**.
3. Select a verification **Product** — `VOE/VOI` or `Employment Re-verification`.
4. Choose `Conventional` as the **Program Code**.
5. In the **Additional Property Information** section, within the **Contact Type** dropdown select `Primary Borrower`.
   <Note>
     Argyle does not currently support multi-borrower orders — we recommend restricting verification orders to one borrower at a time through your Empower settings.
   </Note>
6. Input the **Full Name**, **E-Mail Address**, and **Day Phone** of the borrower (if not already auto-populated).
7. In the **Loan Information** section, within the **Contact Type** dropdown select either `Processor` or `Underwriter` depending on the loan officer's role.
8. Input the **Full Name**, **E-Mail Address**, and **Day Phone** of the loan officer (if not already auto-populated).
9. In the **Borrower Information** section, within the **Primary Borrower** dropdown select the `[Name]` of the primary borrower.
10. Click **Validate Submission Data** in the toolbar to ensure all required fields have been filled.
11. Click **Submit Request** in the toolbar. An **Order Status** of `Ordered submitted` followed by `Order acknowledged` will appear at the bottom of the page.
12. After an order is submitted, the borrower will be invited via text (SMS) and email to connect their payroll account(s) through Argyle.

    <img alt="Argyle Link is where payroll accounts are connected through Argyle." />

## (Optional) Event notifications

Ask your Empower® admin to set up event notifications, so when different events are received (such as a `150 — Product Delivered` event) loan officers are notified that Argyle verifications reports and the borrower's payroll documents are now available in the Empower® **Document Repository**.

## Retrieving reports and documents

Select `Document Repository` in the sidebar to view VOI and VOE reports, W-2s, and paystubs retrieved from the borrower's payroll account(s) once an order has completed.

## Day 1 Certainty® and AIM

Argyle's income and employment verification reports provide lenders an automated way to achieve Day 1 Certainty® through <a href="https://singlefamily.fanniemae.com/media/9011/display">Fannie Mae's Desktop Underwriter® (DU®) validation service</a> and assessment of borrower income and employment through <a href="https://sf.freddiemac.com/tools-learning/loan-advisor/our-solutions/aim-asset-income-modeler">Freddie Mac's asset and income modeler (AIM)</a>.

<Note>
  Reach out to your Customer Success Manager to enable Argyle's Day 1 Certainty® and AIM functionality.
</Note>

To add a Day 1 Certainty® or AIM eligibility check for a loan through Empower®:

1. Ensure your Empower integration is configured to use Argyle with Fannie Mae's DU validation service and Freddie Mac's asset and income modeler (AIM).
   * For Day 1 Certainty®, refer to <a href="https://res.cloudinary.com/argyle-media/image/upload/v1712082209/docs-2024/Empower_Configuration_to_use_Argyle_with_DU_1.pdf">Empower's Argyle Configuration Guide</a> (PDF).
   * For AIM, make these additional adjustments:
     1. Update your Verification Providers `Display Value` to `Argyle` instead of `Argyle (DU Only)`
     2. Insert an entry into your LPA Verification Providers and use Argyle's LPA enumeration: `ARGL`

2. A `Reference #` is listed at the top of the verification report and can be submitted to Fannie Mae for Day 1 Certainty® and Freddie Mac for AIM eligibility determinations:

   <img alt="The DU reference number will be listed at the top of the report if the user is D1C eligible." />

3. Open **Desktop Underwriter** from the sidebar, then click **Asset Verification IDs** in the toolbar.

4. Select a borrower from the **Borrower Name** dropdown, then click **Add**.

5. Select either `Argyle (DU Only)` (if only submitting for Day 1 Certainty®) or `Argyle` from the **Asset Verification Provider** dropdown. Then enter the `Reference #` from Argyle's report in the **Asset Verification ID** field.

<br />

*For further assistance or specific feature requests, contact [support@argyle.com](mailto:support@argyle.com) or your Customer Success Manager.*


# Encompass Setup Guide
Source: https://docs.argyle.com/integrations/pos-los/encompass/setup-guide

Setting up manual and automated Argyle verification ordering within the Encompass® by ICE Mortgage Technology® platform.

For broker ordering through a wholesale lender's portal, use the [TPO Connect setup guide](/integrations/pos-los/encompass/tpo-connect#lender-admin-setup).

## Manual Ordering

<div />

### Admin login

1. Log in to <a href="https://encompass.ice.com/admin">Encompass Web®</a> with an **administrator account** and select **Admin** within the applications dropdown.

### Add the Argyle service

1. Select **Services Management** within the **SERVICES** dropdown.
2. Select **Add Service** and choose the **Verifications** category.
3. Search for **Argyle** and then select **Manual**.

<img alt="Add Argyle as a loan service provider within the Services Management tab." />

### Add authorized users

1. Choose a **Service Setup Name** and add **Authorized Users**.
2. Click **Save**.

<img alt="Add Argyle as the loan service provider. Make sure the active toggle is ON." />

### Add Argyle API keys

1. After Argyle is added to your configured services, select **Credentials**.
2. In the pop-up, enter your Argyle API key and secret, which can be found or created in the <a href="https://console.argyle.com/api-keys">Developers section</a> of Argyle Console. Then click **Save**.
3. After saving and exiting, set the **Status toggle** to **ON**.

<img alt="Enter your Argyle API keys (found in Console) in the Company Credentials pop-up." />

### Enable Encompass in Argyle Console

<Note>
  Your Argyle Customer Success Manager may have already completed this step for you.
</Note>

1. Enable the Encompass integration in the <a href="https://console.argyle.com/integrations">Integrations section</a> of Argyle Console by clicking **Enable**.
2. (Optional) Selecting **Edit** after enabling the integration allows you to select an invitation [Flow](/console/flows/email-sms-templates#creating-emailsms-templates) (customized borrower experience) from a dropdown of your saved Flows.

<img alt="You must enable Encompass in the Integrations section of Argyle Console." />

### Document mapping (optional)

<Note>
  If **Doc Mapping** is not set up, documents will be routed to a verifications eFolder by default.
</Note>

1. Select **Doc Mapping** to customize which **eFolder** should automatically receive each verification report type and retrieved payroll document.

<img alt="You can choose which eFolder should automatically receive reports and payroll documents." />

### Customize experience (optional)

To assign different <a href="https://console.argyle.com/flows">Link Flows</a> to separate campaigns, branches, or doing-business-as (DBA) units, edit your Encompass configuration within the <a href="https://console.argyle.com/integrations">Integrations section</a> of Console and assign Flows to specific OrgIDs.

* The OrgID associated with each loan file will determine which Link Flow is used.
* This allows you to have different branding for different branches, for example.

<img alt="You can assign Flows to specific Encompass OrgIDs." />

Your Argyle customer success manager can also help provide the following asset verification customizations:

* Your company name and logo shown to borrowers can be adjusted.
* Which financial institutions are shown by default on the home screen.
* After the borrower connects a financial institution, they will be shown a list of detected accounts (for example checking, savings, or 401k accounts).

<Accordion title="You can exclude any of the following account types from being selectable by borrowers:">
  - 457
  - 529
  - 401a
  - 401k
  - 403b
  - Brokerage Account
  - CD
  - Checking
  - Credit Card
  - Crypto Currency
  - Education Savings
  - Employee Stock Purchase Plan
  - Health Savings Account
  - Investment
  - Investment Tax Deferred
  - IRA
  - Keogh
  - Line of Credit
  - Loan
  - Money Market
  - Mortgage
  - Non Taxable Brokerage Account
  - Pension
  - Profit Sharing Plan
  - Rollover
  - Roth
  - Roth 401k
  - Savings
  - SEP IRA
  - Simple IRA
  - Student Loan
  - Thrift Savings Plan
  - UGMA
  - Unknown
  - UTMA
  - Variable Annuity
</Accordion>

## Automated Ordering

<div />

Automate Argyle verification orders in Encompass® based on workflow rules and loan readiness conditions. Initial orders on broker-originated loans are also supported; see [TPO Connect automated ordering](/integrations/pos-los/encompass/tpo-connect#automated-ordering) for wholesale behavior and notifications.

### Admin login

1. Log in to <a href="https://encompass.ice.com/admin">Encompass Web®</a> with an **administrator account** and select **Admin** within the applications dropdown.
2. Select **Automated Ordering Templates** within the **SERVICES** dropdown.
3. Select **Add**, then select **Verifications** in the dropdown.

<img alt="Open Automated Ordering Templates and choose the Verifications category when creating a new automated ordering rule." />

### Add the Argyle service order

1. Select **Add** in the **Service Orders** section.
2. Select **Argyle** as the **Provider** then click **Create**.

<img alt="Create the automated verification order and select Argyle as the provider." />

### Configure automated conditions

1. Make sure the **Active** toggle is set to **ON**.
2. Select **Individual Level** as the **Evaluation Level**.
3. Provide a **Service Order Name**.
4. The following Automated Readiness Conditions check for the presence of first name, last name, email, and employer in the loan application.
5. Under **Borrower Settings**, make sure **Condition Editor** is selected and add the following Automated Readiness Conditions:

```text theme={}
([4000] <> "" AND [4002] <> "" AND ([1240] <> "") AND [FE0102] <> "")
```

6. Under **Co-Borrower Settings**, make sure **Condition Editor** is selected and add the following Automated Readiness Conditions:

```text theme={}
([4004] <> "" AND [4006] <> "" AND ([1268] <> "") AND [FE0202] <> "")
```

<img alt="Configure the automated service order, including evaluation level, service order details, and borrower readiness conditions." />

### Add automated options

1. In either **Borrower Settings** or **Co-Borrower Settings**, select **Add** next to **Automated Options**.

2. When the **Automated Service Order Template** window opens, provide a **Template Name**, choose how borrowers should be contacted, and your desired report type. Then click **Create Template** and exit.

   * Each **Automated Service Order Template** supports one verification order. To automate both Payroll and Banking verifications for example, create a separate template for each report type.
   * If both Payroll and Banking orders are triggered within a short window, Argyle sends one combined borrower invite email.

   <img alt="Configure the Automated Service Order Template with a template name, borrower contact method, and included report type." />

3. The template will appear in both **Borrower Settings** and **Co-Borrower Settings**. Enable the radio button next to the template you created for both borrower and co-borrower.

4. Click **Continue**.

   <img alt="Add automated options for borrower and co-borrower settings, then continue to save the service order." />

### Save the service order

1. The order you created should now appear under **Service Orders**.
2. Make sure both **ACTIVE** toggles are set to **ON**, then click **Save**.

<img alt="Save the automated service order after confirming it appears under Service Orders and both active toggles are enabled." />

### Create the workflow rule

1. Select **Workflow Rules** within the **WORKFLOW MANAGEMENT** dropdown.

2. Select **New Rule**.

3. Provide a rule **Name**. Then adjust **Priority** and **Rule Effective** requirements as needed.

4. Select a **Triggering Event** in the **TRIGGERING EVENT** tab and complete the required fields.

   <img alt="Set the workflow rule name, priority, effective timing, and triggering event details." />

5. Select the **RESULT** tab, then choose **Order Service** as the resulting action. Then click **Add**.

6. Under **Select Service Rule**, choose the service rule you created. Then click **Save**.

   <img alt="Select the service rule you created in the Result tab, then save the workflow rule." />

7. Make sure the **ACTIVE** toggle is **ON** for the saved workflow rule.

<br />

*For further assistance, please reach out to [support@argyle.com](mailto:support@argyle.com) or your Customer Success Manager.*


# Encompass TPO Connect
Source: https://docs.argyle.com/integrations/pos-los/encompass/tpo-connect

Set up wholesale verification ordering and broker-branded borrower invites in Encompass TPO Connect.

Wholesale lenders can make Argyle available to their brokers in Encompass® TPO Connect. Brokers can order payroll, asset, and document-based income verifications from the lender's portal, with broker-branded invites when borrower action is needed.

Orders use the wholesale lender's Argyle account, credentials, product permissions, and billing. Brokers access the service through the lender's TPO Connect portal.

## Lender admin setup

Before starting, contact your Argyle Customer Success Manager to confirm TPO Connect availability and product access. You will need a TPO Connect administrator account and the lender's Argyle API key ID and secret for the correct environment.

### Add Argyle for manual ordering

1. Sign in to **TPO Connect Administration** and confirm that the correct site is selected.
2. Open **Services Management**, then select **Add Service**.
3. Filter **Service Type** to **Verifications**, search for **Argyle**, and select **Manual**.
4. Enter a **Service Setup Name**. Under **Authorized Users**, choose **All Organizations** or the broker organizations and personas that should have access. Click **Save**.
5. Open the saved service. Under **Company Credentials**, select **Add**, enter the lender's Argyle API key ID and secret, and save.
6. Return to the service list and turn the **ACTIVE** toggle **ON** for the Manual ordering option.

<Note>
  Saving the service does not activate it. The **ACTIVE** toggle must be on before authorized brokers can use it.
</Note>

Confirm that the [Encompass integration is enabled in Argyle Console](/integrations/pos-los/encompass/setup-guide#enable-encompass-in-argyle-console). Review [Doc Mapping](/integrations/pos-los/encompass/setup-guide#document-mapping-optional) to choose where reports and documents are delivered in the lender's eFolder.

### Add Argyle to the loan navigation (optional)

If your portal does not expose **Service Orders** to brokers, add a direct Argyle link to the loan navigation. You can skip this step if brokers already access Argyle through **Service Orders**.

1. In **TPO Connect Administration**, open **Navigation Menu Settings** and select the **Wholesale** tab.
2. Under **Loan Level - Left Navigation**, select **New Page Link**.
3. Under **Display Type**, select the manual service-order option **Option 1**. This opens Argyle each time a broker selects the link, including after a previous order.
4. Under **Display Label**, select the Argyle service you configured in **Services Management** for the correct environment.
5. Under **Menu Name**, enter the label brokers should see, such as **Argyle**.
6. Click **Apply**.

Confirm that an authorized broker can see the link and use it to open Argyle from a loan.

### Configure the borrower experience

Broker details are populated from the TPO order context. You do not need to create an Argyle account or an individual flow for each broker.

The default wholesale flow displays the broker's name and contact details. For custom messaging, create a [Mortgage Wholesale template](/console/flows/email-sms-templates#wholesale-mortgage-templates) and configure the flow in the Encompass integration settings in Console. If you assign flows by OrgID, use a wholesale flow for broker-originated loans.

See [flow selection](/verifications/wholesale-mortgage#choose-the-invite-flow) for how retail and wholesale flows are resolved.

## Broker ordering

1. Sign in to your wholesale lender's TPO Connect portal and open the loan.
2. Confirm the borrower details in **Borrower Information**, including **Section 1A**, and the employment details required for the verification type.
3. Open Argyle using the [link in the loan navigation](#add-argyle-to-the-loan-navigation-optional) if your lender provides one. Otherwise, select **Service Orders**, then **Order Service**. Choose **Verifications**, select **Argyle**, and click **Next**.
4. In Argyle, select the borrowers and verification methods. Review the borrower contact details for payroll and banking orders, or select **Add Documents** for Doc VOI.
5. Use **Notifications** to add team members who should receive order updates, then submit the order.

Once Argyle opens, follow the [3-in-1 Verification Suite workflow](/integrations/pos-los/encompass/verifications#ordering-verifications) to track orders, view results, and request manual re-verifications. Reports and documents are delivered to the lender's Encompass loan file according to its document-mapping settings.

## Borrower experience

<Frame>
  <img alt="A broker-branded email invitation opens a landing page where the borrower can connect payroll and bank accounts." />
</Frame>

For payroll and banking orders, borrowers receive an email, SMS, or both, identifying their broker. The email and landing page show the broker's available contact details. Borrowers use one landing page to complete the requested payroll and bank connections.

The lender remains named in the email footer and consent and data-sharing screens. Argyle Link and the banking connection experience may also display lender branding. Broker branding is retained when a later order requires the borrower to reconnect.

Doc VOI uses the documents submitted with the order and does not send the borrower an invitation.

## Notifications

| Order                                                             | Default notification recipient                                       | Additional recipients                                        |
| ----------------------------------------------------------------- | -------------------------------------------------------------------- | ------------------------------------------------------------ |
| Manual initial order or re-verification requiring borrower action | The person placing the order; the TPO user for a broker-placed order | Add broker or lender team members through **Notifications**. |
| Initial automated service order                                   | The first loan officer on the loan file                              | The manual team-member CC selection is not available.        |
| Instant manual re-verification                                    | No notification email                                                | No borrower action is required.                              |

The wholesale lender is not automatically copied on a broker's manual order. Add the lender's recipients in **Notifications** when they need email updates.

## Automated ordering

Automated Service Ordering (ASO) supports initial verification orders on broker-originated loans. Argyle uses Encompass field `2626` at the loan level to identify whether the loan is retail or wholesale. For wholesale loans, ASO uses the broker details associated with the loan. The lender’s configured workflow rules and loan readiness conditions determine when the order is placed.

Use the lender's [Automated Ordering setup](/integrations/pos-los/encompass/setup-guide#automated-ordering) for templates and workflow rules. Enabling **Manual** ordering in TPO Connect does not configure ASO.

Create separate templates for payroll and banking orders. When both are triggered within a short window, the borrower receives one combined invite. Automated re-verification is not supported; use the [manual closing verification workflow](/integrations/pos-los/encompass/verifications#order-closing-verifications).


# 3-in-1 Verification Suite
Source: https://docs.argyle.com/integrations/pos-los/encompass/verifications

Verify income, employment, & assets within the Encompass® by ICE Mortgage Technology® platform.

## Overview

Argyle's 3-in-1 Verification Suite provides a single workflow within Encompass® for multiple verification methods, reducing manual fallbacks and shortening loan timelines.

* Order **Income & Employment** and **Asset** verifications independently for multiple borrowers.
* Receive **Day 1 Certainty® and AIM** eligibility determinations.
* Order closing **Employment** verifications using refreshed data.

<img alt="Review completed Income & Employment and Asset orders in the Argyle Encompass workflow." />

<Note>
  Wholesale lenders and brokers can also use the suite in [Encompass TPO Connect](/integrations/pos-los/encompass/tpo-connect), with broker-branded invites for payroll and banking orders.
</Note>

## Loan officer workflow

<div />

### Required loan file details

1. Select a loan in Encompass®.
2. Provide the following required details:

   | Encompass section  | Verification requirements                                                                                                                                                                                                                                          |
   | ------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
   | `1003 URLA Part 1` | Borrower details:<br /><br />**Payroll:** `First Name`, `Last Name`, `Email`, and `Phone Number`<br />**Banking:** `First Name`, `Last Name`, `SSN`, `Birth Date`, `Address`, `Email`, and `Phone Number`<br />**Documents:** `First Name`, `Last Name`, and `SSN` |
   | `1003 URLA Part 2` | Employer details:<br /><br />**Payroll:** `Employer Name(s)` \*if known<br />**Documents:** `Employer Name(s)`, `Start Date(s)`, `End Date(s)`                                                                                                                     |

### Select Argyle as the provider

1. Under **Services**:
   * \[Web] Select **All Services** and then **Order Service**. In the pop-up, click **Verifications** under Categories.
   * \[SmartClient] Select **Order Verifications**.
2. In the pop-up, select **Argyle** under **Providers**. Then click **Next/Submit**.
   <img alt="Select Argyle as the verification provider in Encompass." />

### Ordering verifications

1. Select the borrower(s) and verification methods you want to order.

2. Review borrower contact details for payroll and banking verifications.
   <Note>
     Including both `Email` and `SMS` generally provides the best response rate.
   </Note>

3. (Optional) Select **Notifications** in the upper-right of the Argyle window to choose which team members should receive updates on verification orders.

   <Note>
     You can add or remove team members from notifications at any stage of the ordering process. Suggested team members are populated from contacts attached to the loan file. Standalone email addresses can also be entered.
   </Note>

   <img alt="Select payroll-based Income & Employment and Assets for the borrower in the same Argyle order." />

4. For payroll verifications, adjust employments via `Edit Employers`.
   <Note>
     Argyle automatically attempts to match employers from the Encompass® loan file.
   </Note>

5. For asset verifications, adjust the desired `Account History` length.

6. For document verifications, selecting `Add Documents` will provide a list of required documents based on the borrower's current and previous employments. Select `Open eFolder` to upload documents from the eFolder or local drive.

   <img alt="Instructions on which documents should be uploaded will be shown, alongside a button to open eFolder to select documents." />

### Track order progress

1. Submitted verifications are shown on the **Orders** screen and proceed independently.

   <img alt="Verification order statuses shown next to borrower names in Encompass." />

2. The order status will be shown in the top left next to the borrower name.

   <div>
     <Accordion title="Order status details">
       * **Pending**: Awaiting borrower action.
       * **In Progress**: Connected data is syncing, a refreshed verification is being generated, or uploaded documents are being processed.
       * **Action Required**: The borrower needs to take additional action before the order can be completed. Additional details and next steps will be displayed.
       * **Cancelled**: The verification order was manually cancelled within Encompass®. Argyle may also cancel orders due to processing timeouts or unresolvable issues.
       * **Completed**: The verification was successful. Reports and documents have been routed according to your [document-mapping configuration](/integrations/pos-los/encompass/setup-guide#document-mapping-optional).
     </Accordion>
   </div>

3. For payroll and asset verifications, the borrower(s) will be sent an [email and/or text invitation](#borrower-experience) asking them to connect their respective payroll and financial institutions.

   <Note>
     To resend an invitation, select **Resend** or select **Copy Link** to generate a URL that can be shared with the borrower.
   </Note>

4. For document verifications, the borrower will not be contacted. Submitted documents will begin processing immediately, with a typical processing time of 10 minutes.

### View reports and documents

1. Once an order reaches **Completed** status:

   * The **Reports** section will contain verification reports.
   * The **Paystubs** and **Tax Documents** section will contain uploaded and retrieved payroll documents.

   <Note>
     Reports and documents can also be viewed in the <a href="https://console.argyle.com/connections">Connections</a> section of Console. Each borrower has an [external identifier](/overview/data-structure/users#external-identifiers) that matches their Loan # in Encompass®.
   </Note>

2. Automatic delivery to eFolder.

   * Verification reports are automatically pushed to eFolder.
   * For VOIE orders, the last 30 days of paystubs and the two most recent W-2s are also automatically pushed. Additional retrieved payroll documents can be pushed to eFolder as needed.

   <Note>
     While payroll connections remain active, newly available data and documents continue to be delivered. New payroll documents appear in the Encompass® integration and can be previewed or pushed to eFolder as needed.
   </Note>

### Import assets

Loan officers can import asset account details from completed Banking VOA and VOAI reports into Encompass®.

1. For a completed asset verification order, select **Import Assets**.
2. Choose which asset accounts to import.
3. Review whether each account will be added as **New** or used to **Update** an existing URLA entry.
4. Optionally adjust the **Destination** for each selected account: **Borrower**, **Co-borrower**, or **Both** when available.
5. Select **Review Updates** and confirm the import.

<Note>
  Argyle only writes selected asset accounts after confirmation. Argyle attempts to update existing URLA assets in the loan file when a matching account is found to help avoid duplicate asset entries.
</Note>

<img alt="Select asset accounts to add or update in the Argyle Encompass Import Assets modal." />

### Order closing verifications

1. When **Instant Verification Available** is shown in green, an up-to-date report can be ordered by selecting **Refresh** that does not require additional borrower action.

   <img alt="Instant Verification Available shown in green for ordering an updated closing verification." />

2. When **Re-engage if Needed** is shown in orange, there are two verification options after selecting **Refresh**:

   * **Request Updated Data** will resend a connection invitation to the borrower.
   * **Use Available Data** will generate a report immediately with the most available data, and does not require additional borrower action.

   <img alt="Use Available Data option for ordering a refreshed verification without additional borrower action." />

   <Note>
     According to the GSE's, reports based on data last updated 35 days ago or less are sufficient for rep & warrant consideration.
   </Note>

### Banking reports account filtering

Loan officers can review and update the financial accounts included in refreshed banking reports:

1. For completed asset verification orders, select **Refresh**.
2. In **Accounts Included**, include or exclude the financial accounts that should appear in the refreshed report.
3. Submit the refresh.

<Note>
  The **Accounts Included** section appears when multiple financial accounts are available. At least one account must remain selected before the report can be refreshed.
</Note>

<img alt="Manage included accounts when refreshing asset reports in the Argyle Encompass workflow." />

Financial accounts can also be edited by selecting **New Order** and then selecting **Edit Report** for previously completed asset verifications.

<img alt="Manage included accounts when editing asset reports in the Argyle Encompass workflow." />

## Borrower experience

<div />

<Note>
  This borrower flow applies to payroll and banking verifications. No borrower action is required for document verifications.
</Note>

1. After order submission, each borrower receives a single Argyle invitation by email and/or text.

   <img alt="Borrowers receive a single invitation and land on a page listing the requested verification methods." />

2. Selecting **Verify Now** opens a landing page that lists the requested verification methods.

   <img alt="Borrower landing page listing the requested verification methods after selecting Verify Now." />

3. Selecting **Payroll Provider** takes the borrower to Argyle's payroll connection experience.

   <img alt="Borrowers are taken to Argyle's payroll connection experience after selecting Payroll Provider." />

4. Selecting **Bank Account** takes the borrower to Mastercard's financial account connection experience.

   <img alt="Borrowers connect assets through Mastercard Data Connect." />

5. Borrowers can complete payroll and asset connections in either order and return later if needed.

   * After each successful connection, the borrower returns to the same landing page until all requested verification methods are completed.
   * If a refreshed verification later requires borrower action, a new invitation is sent and the borrower returns to the same landing page to reconnect the method that needs updated data.

## Day 1 Certainty® and AIM

Argyle's income & employment and asset verification reports provide lenders an automated way to achieve Day 1 Certainty® through <a href="https://singlefamily.fanniemae.com/applications-technology/desktop-underwriter-desktop-originator">Fannie Mae's Desktop Underwriter® (DU®) validation service</a> and assessment of borrower income and assets through <a href="https://sf.freddiemac.com/tools-learning/technology-tools/our-solutions/aim-asset-income-modeler">Freddie Mac's asset and income modeler (AIM)</a>.

<Note>
  Reach out to your Customer Success Manager to enable Argyle's Day 1 Certainty® and AIM functionality.
</Note>

The Encompass® integration automatically populates the report identifiers required by GSEs within the loan file. If multiple verification reports of the same type have been generated, the identifier from the most recent report is used.

<Accordion title="Payroll and Doc VOI reference fields">
  These mappings are provided for troubleshooting or integrations that write to Encompass directly. When using the Argyle Encompass integration, you do not need to populate these fields manually.

  | Report                | Encompass field | Value                                                                                                                                                                  |
  | --------------------- | --------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
  | Payroll               | `GSEVENDOR.X60` | Payroll report reference number(s). When both borrower and co-borrower have payroll reports, the reference numbers are comma-separated in borrower, co-borrower order. |
  | Doc VOI — borrower    | `GSEVENDOR.X43` | Full AIM Check reference number prefixed with `FM:`.                                                                                                                   |
  | Doc VOI — co-borrower | `GSEVENDOR.X44` | Full AIM Check reference number prefixed with `FM:`.                                                                                                                   |

  Doc VOI report IDs are not written to `GSEVENDOR.X60`. If the loan has both payroll and Doc VOI reports, the payroll reference numbers populate `GSEVENDOR.X60` and the AIM Check references populate the applicable Freddie Mac fields.
</Accordion>

**Resolve employer name mismatches**

1. Select **Import Employment** for a **Completed** order.
2. Resolve any conflicts between the employer name in the loan file and the employer name Argyle used during verification processing.

<Note>
  Resolving employer name mismatches helps maximize Day 1 Certainty® and AIM rep & warrant relief.
</Note>

## Receipts

1. Select **Receipt** for an individual borrower to generate a receipt and push it to eFolder.
2. Receipts are available for each individual borrower after orders are **Completed** and indicate the fees associated with the verification order.

<Note>
  To enable **Receipt** functionality, reach out to your Argyle Customer Success Manager.
</Note>

## Testing

<div />

### Payroll test profiles

* Select `Argyle Sandbox` for Sandbox testing or `Argyle` for Production testing.
* Enter your testing email or phone number and order a payroll report.
* After receiving the invitation, use Argyle's [sample user credentials](/overview/sandbox-testing#connect-sample-users) to connect to:
  * **Sandbox**: any employer or payroll provider
  * **Production**: `Platformtronic` or `Employertronic`

For specific scenario testing, the following sample users are also available:

|                    | Homer Loanseeker                          | Suzi Builder                          | Andy Freddie                             |
| ------------------ | ----------------------------------------- | ------------------------------------- | ---------------------------------------- |
| Email              | homer\_loanseeker<span>@</span>argyle.com | suzi\_builder<span>@</span>argyle.com | andy\_freddie<span>@</span>argyle.com    |
| Username           | homer\_loanseeker                         | suzi\_builder                         | andy\_freddie                            |
| Password           | passgood                                  | passgood                              | passgood                                 |
| Verification code  | 9081                                      | 9084                                  | 9088                                     |
| Phone number       | (800) 900-0101                            | (800) 900-0104                        | (800) 900-0108                           |
| Driver's license # | D1230101                                  | D1230104                              | D1230108                                 |
| **Returns**        | **1 active employment**                   | **2 active employments**              | **1 active and 1 terminated employment** |

### Banking test profiles

<Note>
  When you're ready to begin testing, contact your Argyle Customer Success Manager to enable banking permissions.
</Note>

<Warning>
  The Sandbox testing environment for banking supports a maximum of 500 users. To stay within this limit, implement user-management workflows and remove inactive users when they are no longer needed.
</Warning>

The following sample test profiles can be connected to:

* **Sandbox**: connect to `FinBank Profiles A` or `FinBank Profiles B`
* **Production**: connect to `FinBank Billable` or `FinBank Oauth Billable`

| Username    | Password    | Account types                                                                  | Supported products                     |
| ----------- | ----------- | ------------------------------------------------------------------------------ | -------------------------------------- |
| profile\_02 | profile\_02 | Savings, IRA, 401k, Credit Card                                                | `voa`, `voi`, `voai`                   |
| profile\_03 | profile\_03 | Checking, Personal Investment, 401K, Roth, Savings (Joint Account owners)      | `voa`, `voi`, `voai`                   |
| profile\_04 | profile\_04 | Checking, 403B, 529, Rollover, Mortgage                                        | `voa`, `voi`, `voai`                   |
| profile\_05 | profile\_05 | Checking, Investment, Stocks, UGMA, UTMA (Joint Account owners)                | `voa`, `voi`, `voai`                   |
| profile\_06 | profile\_06 | Checking, Retirement, KEOGH, 457, Credit Card                                  | `voa`, `voi`, `voai`                   |
| profile\_07 | profile\_07 | Checking, Stocks, CD, Investment Tax-Deferred, Employee Stock                  | `voa`, `voi`, `voai`                   |
| profile\_08 | profile\_08 | Checking, Primary Savings, Money Market, 401A, Line of credit                  | `voa`, `voi`, `voai`                   |
| profile\_09 | profile\_09 | Checking, Savings, Checking failed report. Errors include `102`, `103`, `185`. | `voa`, `voi`, `voai` *(failed report)* |

For specific scenario testing, the following sample users are also available:

|             | Sue Wealthy                                                                                                                                                                                                                                                                                             | River Paycheck                                                                                                                                                                                                                                                            | Alex Student                                                                                                                                                                                                                                                                                                                                   |
| ----------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Username    | sue\_wealthy                                                                                                                                                                                                                                                                                            | river\_paycheck                                                                                                                                                                                                                                                           | alex\_student                                                                                                                                                                                                                                                                                                                                  |
| Password    | profile\_700                                                                                                                                                                                                                                                                                            | profile\_703                                                                                                                                                                                                                                                              | profile\_704                                                                                                                                                                                                                                                                                                                                   |
| Description | Sue is working as a Product Manager with a good steady income, a mortgage, and multiple investment accounts. She has a loan account and leases a car. Sue travels a few times a year. She has typical expenses like groceries, clothes, entertainment, gym membership, car expenses, and she has a pet. | River works in construction. He rents an apartment and has typical expenses like groceries, clothes, entertainment, household and car expenses. He has some savings but no investments, no loans and no credit cards. In some months, River's expenses exceed his income. | Alex is working full-time with a good salary but she is still paying off her student loan. She makes regular monthly repayments, but she still has over \$30,000 to pay off. Alex has typical expenses like groceries, clothes, entertainment, household, and car expenses. She has limited savings and she has started an investment account. |

### Doc VOI test documents

* Use the sample documents below for **Doc VOI** verifications.
* For all scenarios below, enter `Warehouse Services Inc` in **1003 URLA Part 2** as the current employer with a start date of `02/01/2023`, and leave the end date blank.

<Note>
  Do not adjust file names.
</Note>

<Tabs>
  <Tab title="Sandbox">
    <AccordionGroup>
      <Accordion title="GSE-eligible monthly income">
        Upload the following documents:

        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/Warehouse_Services_Inc_paystub.pdf">Warehouse\_Services\_Inc\_paystub.pdf</a>
        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/Warehouse_Services_Inc_paystub_2025.pdf">Warehouse\_Services\_Inc\_paystub\_2025.pdf</a>
        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/Warehouse_Services_Inc_paystub_2024.pdf">Warehouse\_Services\_Inc\_paystub\_2024.pdf</a>
      </Accordion>

      <Accordion title="Not GSE-eligible monthly income">
        Upload the following documents:

        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2025/Warehouse_Services_Inc_paystub_ineligible.pdf">Warehouse\_Services\_Inc\_ineligible.pdf</a>
        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/Warehouse_Services_Inc_paystub_2025.pdf">Warehouse\_Services\_Inc\_paystub\_2025.pdf</a>
        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2025/Warehouse_Services_Inc_paystub_2024.pdf">Warehouse\_Services\_Inc\_paystub\_2024.pdf</a>
      </Accordion>

      <Accordion title="Requires more data">
        Upload only the following document:

        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/Warehouse_Services_Inc_paystub.pdf">Warehouse\_Services\_Inc\_paystub.pdf</a>
      </Accordion>
    </AccordionGroup>
  </Tab>

  <Tab title="Production">
    <Note>
      Production testing can be done with real documents. If needed, use the sample files below.
    </Note>

    <AccordionGroup>
      <Accordion title="GSE-eligible monthly income">
        Upload the following documents:

        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/sandbox_Warehouse_Services_Inc_paystub.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub.pdf</a>
        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/sandbox_Warehouse_Services_Inc_paystub_2025.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub\_2025.pdf</a>
        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/sandbox_Warehouse_Services_Inc_paystub_2024.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub\_2024.pdf</a>
      </Accordion>

      <Accordion title="Not GSE-eligible monthly income">
        Upload the following documents:

        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2025/sandbox_Warehouse_Services_Inc_paystub_ineligible.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub\_ineligible.pdf</a>
        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/sandbox_Warehouse_Services_Inc_paystub_2025.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub\_2025.pdf</a>
        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/sandbox_Warehouse_Services_Inc_paystub_2024.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub\_2024.pdf</a>
      </Accordion>

      <Accordion title="Requires more data">
        Upload only the following document:

        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/sandbox_Warehouse_Services_Inc_paystub.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub.pdf</a>
      </Accordion>
    </AccordionGroup>
  </Tab>
</Tabs>

<br />

*For further assistance, please reach out to [support@argyle.com](mailto:support@argyle.com) or your Customer Success Manager.*


# Loan Origination Systems
Source: https://docs.argyle.com/integrations/pos-los/loan-origination-systems

Route verification orders, reports, source documents, and status updates through a loan origination system.

A loan origination system (LOS) integration lets loan teams order and monitor verifications from the loan file while borrowers complete the required payroll or banking connections.

<img alt="Loan origination systems integrate with Argyle." />

## Verification workflow

1. The loan officer orders the required verification products for the borrower.
2. Payroll and banking orders send or launch the appropriate user session.
3. The borrower connects the requested accounts at their direction, or the loan team uploads documents for Doc VOI.
4. The integration tracks each verification independently.
5. Completed reports and supported source documents are routed to the loan file.

Use the [Verifications Guides](/verifications/overview) for the API lifecycle.

## Product status

Each requested product can complete, require action, or fail independently. Do not combine payroll, banking, and Doc VOI into one status when the LOS supports product-level status.

Use the verification [`status`](/api-reference/verifications/retrieve-a-verification#response-status) object to determine the next action:

* Continue waiting while processing is active.
* Return the borrower to the existing active verification when connection steps are incomplete.
* Surface verification errors and their current remediation.
* Retrieve the report when the verification is complete.

## Reports and documents

When a verification reaches `completed` or `completed_with_errors`:

* Retrieve the report PDF from `report.file_url`.
* Retrieve report JSON from `report.json_url` when available.
* Retrieve supported payroll documents through the Payroll Documents API.
* Retrieve uploaded source files through the User Uploads API.

Route files to the LOS document categories required by the integration rather than relying on report names alone.

## Re-verification

Use [Re-verification](/verifications/re-verification) for updated payroll, banking, or Doc VOI results.

An active connection can support a refreshed verification without borrower action. When updated authentication is required, create the appropriate new session and return the borrower to the existing account.

## Notifications

Use the LOS event model for loan-team notifications and Argyle webhooks for backend lifecycle state. Keep these responsibilities separate:

* LOS events notify operators inside the loan system.
* The `verifications.updated` webhook updates the verification record and report readiness.
* Account and resource webhooks support direct-data workflows.

## Supported integrations

* [Encompass 3-in-1 Verification Suite](/integrations/pos-los/encompass/verifications)
* [Empower](/integrations/pos-los/empower)
* [nCino](/integrations/pos-los/ncino)

For another LOS, confirm ordering, status mapping, report routing, and document mapping requirements before implementation.


# nCino
Source: https://docs.argyle.com/integrations/pos-los/ncino

Securely retrieve income, assets, and employment history with direct borrower connections in nCino.

<br />nCino streamlines the mortgage process by providing a centralized platform for loan origination, processing, and underwriting, as well as collaboration, tracking, and real-time information exchange tools for loan originators, processors, underwriters, and borrowers.

## Admin setup

1. Reach out to an Argyle representative to begin the setup process.
2. Argyle will provide the following nCino integration credentials:
   * `Argyle API Key` and `Argyle API Secret` — Required for payroll.
   * `Argyle Partner Client ID`
   * `Argyle Flow ID` — Determines the borrower's payroll connection experience.
   * `Argyle Experience ID` — Configures the borrower's banking connection flow.
3. Contact your nCino representative to complete the set-up process. More information can be found by visiting nCino's <a href="https://www.ncino.com/implementation">implementation portal</a>.

## Employment & Income

<div />

### Overview

Integrating Argyle direct payroll with nCino creates a seamless and automated workflow:

1. Borrowers are able to connect their payroll accounts through Argyle within nCino.
2. Argyle delivers paystubs, W2s, and an income & employment verification report PDF to nCino.
3. All payroll documents and verification reports are viewable in nCino and \[optional] Encompass.

### Borrower experience

1. After the Argyle integration is enabled, borrowers will be able to connect their payroll accounts within nCino by selecting their source(s) of income.

   <img alt="Connect borrowers through Argyle within the nCino mortgage platform to easily retrieve the borrower's payroll information." />

2. Borrowers enter their login credentials for the employer or payroll system they selected. These are the same login credentials they would use to manually retrieve copies of their paystubs and tax documents.

   <img alt="Login screen in Link." />

### Verification reports and payroll documents

After each payroll account is connected, Argyle will deliver the following PDF documents to nCino:

* All paystubs from the past 30 days
* The two most recent Form W-2 tax documents available
* A Verification of Income and Employment (VOIE) report (<a href="https://res.cloudinary.com/argyle-media/image/upload/v1749501632/docs-2025/voie_example_argyle.pdf">sample report</a>)

The payroll documents and VOIE report can be accessed within the **Documents** section of your **Loans** dashboard:

<img alt="Documents can be found in the documents folder of the Loans tab." />

### Testing profiles

1. Use Argyle's [sample user credentials](/overview/sandbox-testing#connect-sample-users) to log in to:
   * Any employer or payroll provider (if testing in Argyle's Sandbox testing environment)
   * `Platformtronic` or `Employertronic` as the employer (if testing in Argyle's Production environment)
2. For specific scenario testing, the following sample users are also available:
   |                    | Homer Loanseeker                          | Suzi Builder                          | Andy Freddie                             |
   | ------------------ | ----------------------------------------- | ------------------------------------- | ---------------------------------------- |
   | Email              | homer\_loanseeker<span>@</span>argyle.com | suzi\_builder<span>@</span>argyle.com | andy\_freddie<span>@</span>argyle.com    |
   | Username           | homer\_loanseeker                         | suzi\_builder                         | andy\_freddie                            |
   | Password           | passgood                                  | passgood                              | passgood                                 |
   | Verification code  | 9081                                      | 9084                                  | 9088                                     |
   | Phone number       | (800) 900-0101                            | (800) 900-0104                        | (800) 900-0108                           |
   | Driver's license # | D1230101                                  | D1230104                              | D1230108                                 |
   | **Returns**        | **1 active employment**                   | **2 active employments**              | **1 active and 1 terminated employment** |

### Importing to Encompass®

If you use [Encompass®](/integrations/pos-los/encompass/verifications) as your LOS alongside nCino as your POS, the PDF documents and verification reports requested in nCino can be made viewable within Argyle's Encompass® integration.

<Note>
  Reach out to your Argyle customer success manager to enable nCino and Encompass compatibility.
</Note>

## Financial accounts

<div />

### Overview

1. Argyle's nCino banking integration allows borrowers to connect their financial accounts during the application process.
2. Asset verification reports are made available within nCino, with the option to import the reports into Encompass® and automatically populate asset data in the 1003 URLA and report identifiers required by GSEs within the Encompass® loan file.

<img alt="Connect financial accounts within the assets and  liabilities section of the nCino application." />

### Borrower experience

1. In the **Assets & liabilities** section, the borrower can search for and connect their financial accounts using their login credentials.

   <img alt="Connect financial accounts through Argyle's integration within nCino." />

2. When the borrower has finished connecting their financial institutions, they can save and exit to the remainder of their nCino application.

   <img alt="Borrowers can save and exit after they have finished connecting their financial institutions." />

### Asset reports

After the borrower connects their financial accounts, Argyle will deliver a Verification of Assets (VOA) report (<a href="https://res.cloudinary.com/argyle-media/image/upload/v1747769368/docs-2025/VOA_Example_Report.pdf">sample report</a>) or Verification of Assets & Income (VOAI) report (<a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/VOAI_Banking_Report.pdf">sample report</a>) to nCino. The report type can be configured during [admin setup](/integrations/pos-los/ncino#admin-setup). The report can be accessed within the **Services** section of your **Loans** dashboard by selecting **View Reports**.

<img alt="You can view asset reports within nCino in the Services section." />

### Testing profiles

1. Use <a href="https://developer.mastercard.com/open-banking-us/documentation/test-the-apis/#bank-account-profiles">sample banking credentials</a> to log into either the `FinBank Billable` or `FinBank Oauth Billable` financial institutions for testing.
2. For specific scenario testing, the following sample users are also available:
   |             | Sue Wealthy                                                                                                                                                                                                                                                                                             | River Paycheck                                                                                                                                                                                                                                                            | Alex Student                                                                                                                                                                                                                                                                                                                                   |
   | ----------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
   | Username    | sue\_wealthy                                                                                                                                                                                                                                                                                            | river\_paycheck                                                                                                                                                                                                                                                           | alex\_student                                                                                                                                                                                                                                                                                                                                  |
   | Password    | profile\_700                                                                                                                                                                                                                                                                                            | profile\_703                                                                                                                                                                                                                                                              | profile\_704                                                                                                                                                                                                                                                                                                                                   |
   | Description | Sue is working as a Product Manager with a good steady income, a mortgage, and multiple investment accounts. She has a loan account and leases a car. Sue travels a few times a year. She has typical expenses like groceries, clothes, entertainment, gym membership, car expenses, and she has a pet. | River works in construction. He rents an apartment and has typical expenses like groceries, clothes, entertainment, household and car expenses. He has some savings but no investments, no loans and no credit cards. In some months, River's expenses exceed his income. | Alex is working full-time with a good salary but she is still paying off her student loan. She makes regular monthly repayments, but she still has over \$30,000 to pay off. Alex has typical expenses like groceries, clothes, entertainment, household, and car expenses. She has limited savings and she has started an investment account. |

### Importing to Encompass®

If you use [Encompass®](/integrations/pos-los/encompass/verifications) as your LOS alongside nCino as your POS:

* Asset reports in nCino can be imported to the Encompass® eFolder.
* Asset data will automatically populate the 1003 URLA section of the Encompass® loan file.
* Argyle will automatically populate the Finicity GSE field within the Encompass® loan file.

  <Note>
    The GSE field will automatically be updated after a refreshed report.
  </Note>

<img alt="Asset data can be imported to Encompass to auto-populate the 1003 URLA." />


# Point of Sale Systems
Source: https://docs.argyle.com/integrations/pos-los/point-of-sale-systems

Add payroll, banking, and document verification steps to a mortgage point-of-sale experience.

A point-of-sale (POS) integration lets borrowers complete required verification steps without leaving the loan application flow.

<img alt="Point of sale systems integrate with Argyle." />

## Choose an integration model

### Verifications

Use the [Verifications API](/verifications/overview) when the POS creates and tracks standardized payroll, banking, or Doc VOI orders.

1. Create or reuse the borrower as an Argyle user.
2. Order the required verification products.
3. Create a session for payroll or banking user action.
4. Launch the connection flow from the POS.
5. Wait for the `verifications.updated` webhook and retrieve the completed reports.

This model gives each requested product its own verification status and report result.

### Direct Data APIs

Use the [Data APIs](/data-apis/overview) when the POS already has a custom workflow that consumes connected-account data directly.

1. Create the user and a user token.
2. Embed Link in the application.
3. Track each connected account independently.
4. Wait for the required account and resource events.
5. Retrieve the data sets used by the application.

## Launch the user experience

### Payroll

* Embed the [Web SDK](/link/initialization/web) or a supported [Mobile SDK](/link/initialization/mobile-sdks).
* Use a verification session `link` as `connectUrl`, or initialize a direct-data flow with `userToken`.
* Use [Link callbacks](/link/reference/callbacks) to update the immediate POS experience.

### Banking

* Create a verification session and pass its `link` to the banking SDK as `connectURL`.
* Use banking SDK callbacks for immediate frontend handling.
* Use the `verifications.updated` webhook for backend status.

### Doc VOI

* Collect documents in the POS and upload them through the User Uploads API, or direct the borrower to the configured document-upload experience.
* Track document processing through the verification lifecycle.

## Return to the application

Set a session `redirect_url` or handle the relevant SDK callback after the borrower finishes the current step. Treat the backend verification or account webhook as the source of truth for processing status.

## Reports and data

* Verification implementations retrieve completed reports from the verification resource.
* Direct-data implementations retrieve users, accounts, identities, paystubs, payroll documents, and other required data sets from the API.
* Source files and report URLs require Argyle authentication headers.

## Supported integrations

For supported prebuilt POS integrations, see:

* [Encompass Consumer Connect](/integrations/pos-los/consumer-connect)
* [nCino](/integrations/pos-los/ncino)

For another platform, use this page as the implementation model and confirm platform-specific requirements with your Argyle Customer Success Manager.


# Accessibility
Source: https://docs.argyle.com/link/accessibility

Accessibility support in Argyle Link and integration guidelines.

Argyle believes digital experiences should work for everyone.

* Applicants use [**Argyle Link**](https://www.argyle.com/platform-overview/link) to connect their payroll or employment accounts and, at their direction, share their income and employment data straight from the source.
* Link is designed and tested to meet modern accessibility standards, including for people who use assistive technology.

## Why accessibility matters

* **Accessibility supports inclusion** — An estimated 1.3 billion people, or about one in six people worldwide, experience a significant disability, including visual, auditory, motor, cognitive, or vestibular disabilities ([World Health Organization](https://www.who.int/news-room/fact-sheets/detail/disability-and-health)).
* **Accessibility supports compliance and procurement** — Accessibility requirements apply across many markets and public-sector procurement programs, including [Section 508](https://www.section508.gov/) for U.S. federal agencies and [ADA Title II](https://www.ada.gov/law-and-regs/regulations/title-ii-2010-regulations/) for state and local government services.
* **Accessibility improves the experience for everyone** — Clear structure, keyboard support, readable contrast, and predictable interactions benefit people with and without disabilities.

## Standards we follow

Argyle Link targets [Web Content Accessibility Guidelines (WCAG) 2.2](https://www.w3.org/TR/WCAG22/), Level AA, and is aligned with Section 508. Argyle documents its accessibility work through independent third-party audits and an Accessibility Conformance Report (ACR) prepared using the Voluntary Product Accessibility Template (VPAT), available upon request.

Argyle's accessibility work includes:

* **Keyboard operation** — Every step can be completed with a keyboard, with a visible focus indicator.
* **Color contrast** — Text has a contrast ratio of at least 4.5:1; large text and UI components have a contrast ratio of at least 3:1.
* **Text alternatives** — Informational images and icons include appropriate text alternatives.
* **Semantic structure** — Headings, landmarks, and lists support reliable navigation.
* **Form labels and errors** — Inputs have programmatically associated labels, and error messages are clear and accessible.
* **Accessible names** — Interactive controls have names that convey their purpose.
* **Dynamic content** — Status, loading, and error messages are announced to assistive technologies.
* **Zoom and reflow** — Content supports zoom and reflow up to 400% without loss of content or function.

### WCAG 2.2 criteria

We test against the WCAG 2.2 criteria that are especially relevant to a login-and-submit flow:

* **Focus Not Obscured (2.4.11)** — Focused elements remain visible rather than being entirely hidden behind sticky headers, sheets, or other content.
* **Target Size (2.5.8)** — Touch targets are large enough to activate reliably on mobile devices.
* **Accessible Authentication (3.3.8)** — Sign-in and verification-code steps do not rely on a cognitive test that a person must memorize or transcribe without assistance.
* **Redundant Entry (3.3.7)** — People are not asked to re-enter information they already provided in the same flow.

## What Link provides automatically

When you embed Link, accessibility support includes:

* **Keyboard navigation** — People can navigate every step in a logical order with visible focus states.
* **Screen reader support** — Link is tested with common assistive technologies, including NVDA, JAWS, and VoiceOver.
* **Semantic markup and ARIA** — Structure, roles, and states are conveyed programmatically.
* **Accessible modals and dialogs** — Focus moves into the dialog, background content becomes inert, and the dialog can be dismissed using its controls, the Escape key, or by selecting outside it when that behavior is supported.
* **Accessible forms** — Search, login, verification-code, and income-confirmation steps include labeled inputs and inline errors.
* **Contrast and typography** — Link is designed to meet Level AA contrast requirements and support OS-level text sizing and reduced-motion preferences.

## Your integration responsibilities

Because Link runs within your application, end-to-end accessibility is a shared responsibility. Argyle maintains Link's accessibility support, and your integration should preserve it.

* **Provide an accessible entry point** — The button or link that launches Link needs an accessible name, keyboard focus, and sufficient contrast.
* **Avoid accessibility overrides** — Do not use CSS or scripts that remove focus indicators, alter ARIA attributes, or trap focus around the embedded experience.
* **Embed Link correctly** — If you render Link in an iframe, give the iframe a concise, descriptive `title`, ensure it can receive focus, and do not block keyboard interaction.
* **Test the complete flow** — Before going live, test your integrated experience with a keyboard and screen reader.

## Branding and configuration

Argyle Link's core interface is not customizable. Argyle designs and maintains its layout, components, and accessibility. The only client-configurable branding option is a brand color, which applies to the landing page and invitation email, not Link itself.

When selecting a brand color, choose one that maintains sufficient contrast — at least 4.5:1 for text and 3:1 for large text and UI components — and do not rely on color alone to convey meaning. Because this color does not affect Link itself, it does not affect Link's WCAG 2.2 AA conformance. You can validate color choices with a contrast-checking tool such as the [Contrast plugin for Figma](https://www.figma.com/community/plugin/748533339900865323/contrast).

## Testing and conformance

* **Independent third-party audit** — A third party audits Link against WCAG 2.2, Level AA, and Section 508. Results are delivered as an Accessibility Conformance Report (ACR) using the Voluntary Product Accessibility Template (VPAT).
* **Manual and automated testing** — Certified testers perform manual and assistive-technology testing alongside automated testing in continuous integration (CI), including axe-core and regression checks.
* **Ongoing validation** — Argyle retests Link on a regular cadence as the experience evolves.

## Contact us

Argyle ships frequent Link updates, and accessibility is an ongoing commitment. To request the current ACR/VPAT, report an accessibility barrier, or suggest an improvement, contact [compliance@argyle.com](mailto:compliance@argyle.com). Your feedback helps us improve the experience for everyone.


# Hosted Link
Source: https://docs.argyle.com/link/initialization/hosted-link

Launch an Argyle verification session URL directly.

Hosted Link launches a verification session URL directly in a browser or secure mobile browser context.

Use Hosted Link when you want to minimize frontend development, when your security model prefers a redirect-based flow, or when your mobile application should open Link in a secure browser context instead of embedding a native SDK.

## Tradeoffs

| Hosted Link gives you                              | Hosted Link does not give you                                      |
| -------------------------------------------------- | ------------------------------------------------------------------ |
| A direct session URL to open from your application | Link callbacks                                                     |
| A browser-native or secure-browser launch model    | Frontend control over the Link instance                            |
| Lower frontend implementation effort               | Embedded SDK controls such as programmatic open and close behavior |

Track verification completion and lifecycle status changes with [`verifications.updated`](/api-reference/verifications-webhooks/updated) webhooks. Treat redirects back to your application as a user navigation event, not as proof that the verification is complete.

## Create a session URL

Create a verification session via [`POST /v2/sessions`](/api-reference/verifications/create-a-session). The response includes a `link` URL.

Example request for a desktop browser session:

```json theme={}
{
  "verification": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
  "configuration": {
    "redirect_url": "https://your-application.com/return?state=STATE_VALUE",
    "flow_id": "12ABCD3E",
    "items": ["item_000000001", "item_000000002"],
    "language": "EN",
    "mobile_app": false
  }
}
```

<Note>
  For payroll Hosted Link sessions opened from a secure browser context in a mobile app, set `configuration.mobile_app` to `true` when creating the session.
</Note>

Example response:

```json theme={}
{
  "verification": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
  "configuration": {
    "experience": null,
    "single_use_url": false,
    "redirect_url": "https://your-application.com/return?state=STATE_VALUE",
    "flow_id": "12ABCD3E",
    "items": ["item_000000001", "item_000000002"],
    "language": "EN",
    "mobile_app": false
  },
  "link": "https://connect.argyle.com/?...",
  "data_source": "payroll"
}
```

<Note>
  Hosted Link uses verification session URLs. These session links expire after one hour, and a new session link can be created at any time by creating another session for the active verification.
</Note>

<Warning>
  The returned `link` URL is signed by Argyle to prevent tampering. Do not modify the returned URL. If you need different session settings, create a new session.
</Warning>

## Launch Hosted Link

On web, open the session `link` in the same tab, a popup window, or a separate tab.

```js theme={}
window.location.assign('SESSION_LINK')
```

On mobile, open the session `link` in a secure browser context, such as `ASWebAuthenticationSession` on iOS or Android Custom Tabs on Android.

Avoid loading Hosted Link inside an iframe. If you need iframe isolation or Link callbacks, use the [Web SDK with `connectUrl`](/link/initialization/web#initialize-with-connecturl).

## Return users to your application

Set `configuration.redirect_url` when creating the session so the user can return to your application after leaving Hosted Link. For desktop browser flows, use a regular `https://` URL. For mobile app flows, use a return target that can open your app directly:

* A custom scheme, such as `your-custom-scheme://return-to-app`
* A [Universal Link](https://developer.apple.com/documentation/xcode/supporting-universal-links-in-your-app) on iOS or an [App Link](https://developer.android.com/studio/write/app-link-indexing) on Android

When Argyle redirects the user back, it appends two values to the redirect URL:

* `user_submission_complete`
* `user_attempted_employer_selection`

These values can help you update the user's return-page experience. They mirror the [`onClose`](/link/reference/callbacks#onclose) fields available in embedded Link, but webhooks remain the source of truth for verification completion.

A plain redirect URL is valid. For example:

```text theme={}
https://example.com/argyle-return
```

After Hosted Link redirects the user, the returned URL would include the additional parameters:

```text theme={}
https://example.com/argyle-return?user_submission_complete=true&user_attempted_employer_selection=true
```

You can also include a `state` or `nonce` value when you need to match the returning browser session to an internal user, session, or verification. A state or nonce is a unique value generated by your application, added to the redirect URL, and checked when the user returns. For example:

```text theme={}
https://example.com/argyle-return?state=abc123
```

Argyle preserves the value and appends its return parameters:

```text theme={}
https://example.com/argyle-return?state=abc123&user_submission_complete=true&user_attempted_employer_selection=true
```


# Mobile SDKs
Source: https://docs.argyle.com/link/initialization/mobile-sdks

Embed Argyle Link with the iOS, Android, React Native, or Flutter SDKs.

Use a mobile SDK when Link should run inside your native or cross-platform mobile application. Argyle supports iOS, Android, React Native, and Flutter.

<Note>
  If you are not using a mobile SDK, prefer either a client-hosted Web SDK implementation in a secure webview, or [Hosted Link](/link/initialization/hosted-link) in a secure browser context such as `ASWebAuthenticationSession` or Android Custom Tabs.
</Note>

<Note>
  User tokens and session links both expire after one hour. Create a fresh user token before initializing Link with `userToken`, or create a new session link for an active verification before initializing Link with `connectUrl`.
</Note>

## iOS

Argyle's [iOS Link SDK](https://github.com/argyle-systems/argyle-link-ios) provides a way to integrate Link into your iOS app. First-time installation instructions are below. To update versions, visit our [iOS Link upgrade guide](/link/upgrade#ios).

### Requirements - iOS SDK

iOS 14.0+, Xcode 14.0+, Swift 5.5+

### Installing the iOS SDK

<Tabs>
  <Tab title="CocoaPods">
    **If using [CocoaPods](https://cocoapods.org/):**

    1. In the `Podfile` of your Xcode project, add `pod 'Argyle', '<Version Number>'`
    2. Run `pod install` to install the Argyle pod
    3. Run `pod update` to ensure the most recent Argyle pod is installed
  </Tab>

  <Tab title="Swift Package Manager">
    **If using [Swift Package Manager](https://www.swift.org/package-manager/):**

    1. Within your Xcode project, select **File > Swift Packages > Add Package Dependency**
    2. Find `argyle-link-ios` by searching with URL of the [iOS SDK GitHub repo](https://github.com/argyle-systems/argyle-link-ios)

    See [adding Swift package dependencies in Xcode](https://developer.apple.com/documentation/xcode/adding-package-dependencies-to-your-app#Add-a-package-dependency) for more information.
  </Tab>
</Tabs>

### Directly opening email clients

To enhance the multi-factor authentication (MFA) experience of users, the iOS Link SDK supports directly opening the user's email client.

To enable this feature, add the following property to your `Info.plist` file:

```text theme={}
<key>LSApplicationQueriesSchemes</key>
<array>
    <string>googlegmail</string>
    <string>ymail</string>
    <string>ms-outlook</string>
</array>
```

### Initialize Link

<Tabs>
  <Tab title="userToken">
    Create a user token:

    * **New users**: create the user via [`POST /v2/users`](/api-reference/users/create-a-user) and use the returned `user_token`.
    * **Returning users**: create a new token via [`POST /v2/user-tokens`](/api-reference/user-tokens/create-a-user-token) and use the returned `user_token`.

    Initialize Link using the configuration below, replacing the user token.

    ```swift theme={}
    var config = LinkConfig(
        userToken: "USER_TOKEN",
        sandbox: true // Set to false for production environment.
    )
    // (Optional) Add a Link flow customization created in Console:
    //    config.flowId = "<ID of the Link flow>"
    // (Optional) Limit Link search to specific Items:
    //    config.items = ["item_000000001", "item_000000002"]
    // (Optional) Connect directly to an existing account:
    //    config.accountId = "<ID of the account>"
    // (Optional) Set a language. Options: EN, ES, RU, ZH
    //    config.language = .EN
    // (Optional) A few recommended callbacks:
    config.onAccountConnected = { data in
        print("Result: onAccountConnected \(data)")
    }
    config.onAccountError = { data in
        print("Result: onAccountError \(data)")
    }
    config.onTokenExpired = { handler in
        print("onTokenExpired")
        // Generate a new user token.
        // handler(newToken)
    }

    ArgyleLink.start(from: viewController, config: config)
    // ArgyleLink.close()   // Manually close Link (typically the user closes Link).
    ```
  </Tab>

  <Tab title="connectUrl">
    1. [Create a session](/api-reference/verifications/create-a-session) as part of a payroll verification workflow.
    2. Copy the response `link`.
    3. Pass that value as `connectUrl` in your Link initialization.

    ```swift theme={}
    var config = LinkConfig(
        connectUrl: "SESSION_LINK"
    )
    // (Optional) A few recommended callbacks:
    config.onAccountConnected = { data in
        print("Result: onAccountConnected \(data)")
    }
    config.onAccountError = { data in
        print("Result: onAccountError \(data)")
    }

    ArgyleLink.start(from: viewController, config: config)
    // ArgyleLink.close()   // Manually close Link (typically the user closes Link).
    ```
  </Tab>
</Tabs>

## Android

Argyle's [Android Link SDK](https://github.com/argyle-systems/argyle-link-android) provides a way to integrate Link into your Android app. First-time installation instructions are below. To update versions, visit our [Android Link upgrade guide](/link/upgrade#android).

### Requirements - Android SDK

* Android 8.0 (minSdk/API level 26) and above
* compileSdk 34 and above

### Installing the Android SDK

1. Add the line below within the dependencies of your `build.gradle` [configuration file](https://developer.android.com/studio/build#top-level).
2. [Sync your Android project](https://developer.android.com/studio/build#sync-files) to import the build configuration changes.

```text theme={}
dependencies {
    implementation 'com.argyle:argyle-link-android:5.x.x'
}
```

<Accordion title="If you are using tools like ProGuard to obfuscate your code...">
  Make sure to exclude the Link SDK package `com.argyle.*`. For example, add the following line to the `proguard-rules.pro` file of your ProGuard configuration:

  ```text theme={}
  -keep class com.argyle. { *; }
  ```
</Accordion>

### Initialize Link

<Tabs>
  <Tab title="userToken">
    Create a user token:

    * **New users**: create the user via [`POST /v2/users`](/api-reference/users/create-a-user) and use the returned `user_token`.
    * **Returning users**: create a new token via [`POST /v2/user-tokens`](/api-reference/user-tokens/create-a-user-token) and use the returned `user_token`.

    Initialize Link using the configuration below, replacing the user token.

    ```kotlin theme={}
    val config = LinkConfig(
        userToken = "USER_TOKEN",
        sandbox = true // Set to false for production environment.
    )
    // (Optional) Add a Link flow customization created in Console:
    //    config.flowId = "<ID of the Link flow>"
    // (Optional) Limit Link search to specific Items:
    //    config.items = listOf("item_000000001", "item_000000002")
    // (Optional) Connect directly to an existing account:
    //    config.accountId = "<ID of the account>"
    // (Optional) Set a language. Options: EN, ES, RU, ZH
    //    config.language = Language.EN
    // (Optional) A few recommended callbacks:
    config.onAccountConnected = { data ->
        Log.d("Result", "onAccountConnected $data")
    }
    config.onAccountError = { data ->
        Log.d("Result", "onAccountError $data")
    }
    config.onTokenExpired = { handler ->
        // Generate a new user token.
        // handler(newToken)
    }

    ArgyleLink.start(context, config)
    // ArgyleLink.close()   // Manually close Link (typically the user closes Link).
    ```
  </Tab>

  <Tab title="connectUrl">
    1. [Create a session](/api-reference/verifications/create-a-session) as part of a payroll verification workflow.
    2. Copy the response `link`.
    3. Pass that value as `connectUrl` in your Link initialization.

    ```kotlin theme={}
    val config = LinkConfig(
        connectUrl = "SESSION_LINK"
    )
    // (Optional) A few recommended callbacks:
    config.onAccountConnected = { data ->
        Log.d("Result", "onAccountConnected $data")
    }
    config.onAccountError = { data ->
        Log.d("Result", "onAccountError $data")
    }

    ArgyleLink.start(context, config)
    // ArgyleLink.close()   // Manually close Link (typically the user closes Link).
    ```
  </Tab>
</Tabs>

## React Native

Argyle's [React Native Link SDK](https://github.com/argyle-systems/argyle-link-react-native) provides a way to integrate Link into your React Native application. First-time installation instructions are below. To update versions, visit our [React Native Link upgrade guide](/link/upgrade#react-native).

### Requirements - React Native SDK

* React Native version 0.73.0 or higher
* *iOS-specific*: iOS 14.0+
* *Android-specific*:
  * Android 8.0 (minSdk/API level 26) and above
  * compileSdk 34 and above

<Tabs>
  <Tab title="ProGuard-like tools">
    <Accordion title="If you are using tools like ProGuard to obfuscate your code...">
      Make sure to exclude the Link SDK package `com.argyle.*`. For example, add the following line to the bottom of your ProGuard configuration:

      ```text theme={}
      -keep class com.argyle. { *; }
      ```
    </Accordion>
  </Tab>

  <Tab title="okhttp3 runtime issues">
    The Link SDK package currently has a dependency of `okhttp3:4.9.2`. If your dependencies use an older version (e.g. `okhttp3.3.xx`) they may need updating to a version that uses `okhttp3.4.x.x`.

    Alternatively, you can attempt to force the Link SDK dependency as follows:

    ```text theme={}
    configurations.all {
        resolutionStrategy.force 'com.squareup.okhttp3:okhttp:4.9.x'
        resolutionStrategy.force 'com.squareup.okhttp3:okhttp-urlconnection:4.9.x'
    }
    ```
  </Tab>
</Tabs>

### Installing the React Native SDK

1. Navigate to the directory for your React Native project.
2. Install the packages from your terminal:

<Tabs>
  <Tab title="NPM">
    ```text theme={}
    npm install @argyleio/argyle-plugin-react-native --save
    ```
  </Tab>

  <Tab title="Yarn">
    ```text theme={}
    yarn add @argyleio/argyle-plugin-react-native
    ```
  </Tab>
</Tabs>

After installation:

1. Run `cd ios` to navigate to the `ios` folder.
2. Run `pod install` to install the Argyle pod.
3. Run `pod update` to ensure the most recent Argyle pod is installed.

### Initialize Link

<Tabs>
  <Tab title="userToken">
    Create a user token:

    * **New users**: create the user via [`POST /v2/users`](/api-reference/users/create-a-user) and use the returned `user_token`.
    * **Returning users**: create a new token via [`POST /v2/user-tokens`](/api-reference/user-tokens/create-a-user-token) and use the returned `user_token`.

    Initialize Link using the configuration below, replacing the user token.

    ```js theme={}
    import { ArgyleLink } from '@argyleio/argyle-plugin-react-native';

    // ...

    const config = {
      userToken: 'USER_TOKEN',
      sandbox: true, // Set to false for production environment.
      // (Optional) Add a Link flow customization created in Console:
      //    flowId: '<ID of the Link flow>',
      // (Optional) Limit Link search to specific Items:
      //    items: ['item_000000001', 'item_000000002'],
      // (Optional) Connect directly to an existing account:
      //    accountId: '<ID of the account>',
      // (Optional) Set a language. Options: EN, ES, RU, ZH
      //    language: Language.EN,
      // (Optional) Callback examples:
      onAccountConnected: (payload) => console.log('onAccountConnected', payload),
      onAccountError: (payload) => console.log('onAccountError', payload),
      onTokenExpired: (updateToken) => {
        console.log('onTokenExpired');
        // Generate a new user token.
        // updateToken(newToken)
      },
    };

    ArgyleLink.start(config);
    // ArgyleLink.close()   // Manually close Link (typically the user closes Link).
    ```
  </Tab>

  <Tab title="connectUrl">
    1. [Create a session](/api-reference/verifications/create-a-session) as part of a payroll verification workflow.
    2. Copy the response `link`.
    3. Pass that value as `connectUrl` in your Link initialization.

    ```js theme={}
    import { ArgyleLink } from '@argyleio/argyle-plugin-react-native';

    // ...

    const config = {
      connectUrl: 'SESSION_LINK',
      // (Optional) Callback examples:
      onAccountConnected: (payload) => console.log('onAccountConnected', payload),
      onAccountError: (payload) => console.log('onAccountError', payload),
    };

    ArgyleLink.start(config);
    // ArgyleLink.close()   // Manually close Link (typically the user closes Link).
    ```
  </Tab>
</Tabs>

## Flutter

Argyle's [Flutter SDK](https://github.com/argyle-systems/argyle-link-flutter) provides a way to integrate Link into your mobile applications. First-time installation instructions are below. To update versions, visit our [Flutter upgrade guide](/link/upgrade#flutter).

### Requirements - Flutter SDK

<Tabs>
  <Tab title="Android">
    * Android 8.0 (minSdk/API level 26) and above
    * compileSdk 34 and above

    Set the `minSdkVersion` in your `android/app/build.gradle` file to:

    ```text theme={}
    android {
        defaultConfig {
            minSdkVersion 26 // or greater
        }
    }
    ```
  </Tab>

  <Tab title="iOS">
    * iOS 14.0+, Xcode 14.0+, Swift 5.5+
  </Tab>
</Tabs>

### Installing the Flutter SDK

Add `argyle_link_flutter` as a [dependency](https://docs.flutter.dev/development/packages-and-plugins/using-packages) in your `pubspec.yaml` file.

<Accordion title="Example installation:">
  Using Flutter, run the command:

  ```text theme={}
  $ flutter pub add argyle_link_flutter
  ```

  This will add a line to your `pubspec.yaml` file with the latest SDK version:

  ```text theme={}
  dependencies:
    argyle_link_flutter: ^1.x.x
  ```

  You can now import the package into your Dart code using:

  ```text theme={}
  import 'package:argyle_link_flutter/argyle_link_flutter.dart';
  ```
</Accordion>

### Initialize Link

<Tabs>
  <Tab title="userToken">
    Create a user token:

    * **New users**: create the user via [`POST /v2/users`](/api-reference/users/create-a-user) and use the returned `user_token`.
    * **Returning users**: create a new token via [`POST /v2/user-tokens`](/api-reference/user-tokens/create-a-user-token) and use the returned `user_token`.

    Initialize Link using the configuration below, replacing the user token.

    ```dart theme={}
    import 'package:argyle_link_flutter/link_config.dart';
    // (Required if using callbacks) Callback argument type definitions:
    import 'package:argyle_link_flutter/account_data.dart';
    import 'package:argyle_link_flutter/argyle_link.dart';
    import 'package:argyle_link_flutter/form_data.dart';

    // ...

    final config = LinkConfig(
      userToken: 'USER_TOKEN',
      sandbox: true, // Set to false for production environment.
      // (Optional) Add a Link flow customization created in Console:
      //    flowId: '<ID of the Link flow>',
      // (Optional) Limit Link search to specific Items:
      //    items: ['item_000000001', 'item_000000002'],
      // (Optional) Connect directly to an existing account:
      //    accountId: '<ID of the account>',
      // (Optional) Set a language. Options: en, es, ru, zh
      //    language: Language.en,
      // (Optional) Callback examples:
      onAccountConnected: (payload) => debugPrint('onAccountConnected'),
      onAccountError: (payload) => debugPrint('onAccountError'),
      onTokenExpired: (updateToken) {
        debugPrint('onTokenExpired');
        // Generate a new user token.
        // updateToken(newToken);
      },
    );

    ArgyleLink.start(config);
    // ArgyleLink.close()   // Manually close Link (typically the user closes Link).
    ```
  </Tab>

  <Tab title="connectUrl">
    1. [Create a session](/api-reference/verifications/create-a-session) as part of a payroll verification workflow.
    2. Copy the response `link`.
    3. Pass that value as `connectUrl` in your Link initialization.

    ```dart theme={}
    import 'package:argyle_link_flutter/link_config.dart';
    // (Required if using callbacks) Callback argument type definitions:
    import 'package:argyle_link_flutter/account_data.dart';
    import 'package:argyle_link_flutter/argyle_link.dart';
    import 'package:argyle_link_flutter/form_data.dart';

    // ...

    final config = LinkConfig(
      connectUrl: 'SESSION_LINK',
      // (Optional) Callback examples:
      onAccountConnected: (payload) => debugPrint('onAccountConnected'),
      onAccountError: (payload) => debugPrint('onAccountError'),
    );

    ArgyleLink.start(config);
    // ArgyleLink.close()   // Manually close Link (typically the user closes Link).
    ```
  </Tab>
</Tabs>


# Overview
Source: https://docs.argyle.com/link/initialization/overview

Choose how to initialize Argyle Link.

Argyle Link can be embedded in your application or launched as a hosted session URL. Choose the frontend integration based on where Link will run, then choose the authentication path based on the backend workflow your implementation uses.

## Choose how to integrate

<CardGroup>
  <Card title="Web SDK" icon="window" href="/link/initialization/web">
    Embed Link in a browser with the Web SDK.
  </Card>

  <Card title="Mobile SDKs" icon="mobile-screen" href="/link/initialization/mobile-sdks">
    Embed Link with the iOS, Android, React Native, or Flutter SDKs.
  </Card>

  <Card title="Hosted Link" icon="arrow-up-right-from-square" href="/link/initialization/hosted-link">
    Launch a session URL directly in a browser or secure mobile browser context.
  </Card>
</CardGroup>

## Choose an authentication path

The backend workflow determines which value your frontend uses to start Link.

| Backend workflow             | Frontend value                      | Use with                                                                               |
| ---------------------------- | ----------------------------------- | -------------------------------------------------------------------------------------- |
| Direct embedded Link         | `userToken` and `sandbox`           | [Web SDK](/link/initialization/web) or [Mobile SDKs](/link/initialization/mobile-sdks) |
| Payroll verification session | Session `link` used as `connectUrl` | [Web SDK](/link/initialization/web) or [Mobile SDKs](/link/initialization/mobile-sdks) |
| Payroll verification session | Session `link` launched directly    | [Hosted Link](/link/initialization/hosted-link)                                        |

For direct embedded Link implementations, create a new user or refresh an existing user's token on your server, then initialize embedded Link with the returned `user_token`.

For payroll verification implementations, create a session via [`POST /v2/sessions`](/api-reference/verifications/create-a-session). The response includes a `link` URL. Pass that URL as `connectUrl` in an embedded Link SDK initialization, or launch it directly as Hosted Link.

<Note>
  Banking connections do not use Argyle Link. Create a banking verification session and pass its returned `link` to the [banking SDK](/verifications/verification-types/banking) as `connectURL`.
</Note>

<Note>
  User tokens and session links both expire after one hour. Create a fresh user token before initializing Link with `userToken`, or create a new session link for an active payroll verification before initializing Link with `connectUrl` or launching Hosted Link.
</Note>

## Required initialization parameters

Use either the `connectUrl` path or the `userToken` path. Do not pass both in the same Link initialization.

| Parameter    | Type    | Required when                                                  | Description                                                                                                                                                                                            |
| ------------ | ------- | -------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| `connectUrl` | string  | Initializing embedded Link from a payroll verification session | The session `link` URL returned when [creating a payroll session](/api-reference/verifications/create-a-session). Link's environment is encoded in the URL and does not need to be set with `sandbox`. |
| `userToken`  | string  | Initializing embedded Link through the user token flow         | Token used to identify and authenticate users. See [User Tokens](/link/user-tokens).                                                                                                                   |
| `sandbox`    | boolean | Initializing embedded Link through the user token flow         | Determines Link's environment: `true` for Sandbox, `false` for Production.                                                                                                                             |

## Optional initialization parameters

<Info>
  `flowId`, `items`, and `language` can also be provided in the [verification session request](/verifications/quickstart#create-a-session).
</Info>

<Info>
  Flow IDs are not environment-specific: the same Flow ID applies consistent behavior across both Sandbox and Production.
</Info>

<table>
  <thead>
    <tr>
      <th>Parameter</th>
      <th>Type</th>
      <th>Description</th>
    </tr>
  </thead>

  <tbody>
    <tr>
      <td><code>flowId</code></td>
      <td>string</td>

      <td>
        ID used to <a href="/console/flows/embedded-experiences">customize</a> the Link flow. Saved Flow IDs can be found in the <a href="https://console.argyle.com/flows">Flows</a> section of Console.
      </td>
    </tr>

    <tr>
      <td><code>items</code></td>
      <td>array of strings</td>
      <td>Limits Link to the provided Items. Providing one Item skips Link search and opens that Item's login screen. Providing multiple Items shows only those Items.</td>
    </tr>

    <tr>
      <td><code>accountId</code></td>
      <td>string</td>
      <td>Used for <a href="/workflows/account-connections#direct-login">direct logins</a> to an account that the user has previously connected or attempted to connect.</td>
    </tr>

    <tr>
      <td><code>\<Callback Name></code></td>
      <td>string</td>
      <td><a href="/link/reference/callbacks">Callbacks</a> are activated by specific events in embedded Link, such as account connection, errors, closure, and token expiration. Hosted Link does not support callbacks.</td>
    </tr>

    <tr>
      <td><code>language</code></td>
      <td>string</td>

      <td>
        Sets the display language in Link.

        <ul>
          <li><code>EN</code> and <code>ES</code> are available across all platforms and employers</li>
          <li><code>RU</code> and <code>ZH</code> currently limited to <a href="/overview/data-structure/items#types-of-items">gig platforms</a></li>
          <li>Can be used in combination with other optional initialization parameters including <code>flowId</code></li>
          <li>Certain platform-generated messages, such as multi-factor authentication prompts, will be shown as-received and depend on the user's language preferences selected within their platform's settings.</li>
          <li>In Console, you can test Spanish in Sandbox mode by changing the <strong>Language</strong> dropdown when previewing an <strong>Embedded Experiences</strong> Link Flow.</li>
        </ul>

        <Note>
          <strong>Possible values</strong>: <code>EN</code> (English), <code>ES</code> (Spanish), <code>RU</code> (Russian), <code>ZH</code> (Chinese).<br /><em>\*Flutter uses lowercase <code>en</code>, <code>es</code>, <code>ru</code>, <code>zh</code>.</em>
        </Note>
      </td>
    </tr>
  </tbody>
</table>

## Next steps

* Use [Web SDK](/link/initialization/web) for browser-based embedded Link.
* Use [Mobile SDKs](/link/initialization/mobile-sdks) for native or cross-platform mobile SDK setup.
* Use [Hosted Link](/link/initialization/hosted-link) when you want to launch a session URL directly.


# Web SDK
Source: https://docs.argyle.com/link/initialization/web

Embed Argyle Link in a browser with the Web SDK.

Use the Web SDK when Link should run inside your browser application. The Web SDK supports callbacks and frontend control over when Link opens and closes.

<Note>
  If you need iframe isolation, use the Web SDK with `connectUrl` instead of loading Hosted Link inside an iframe. Hosted Link is intended to be launched directly.
</Note>

<Note>
  User tokens and session links both expire after one hour. Create a fresh user token before initializing Link with `userToken`, or create a new session link for an active verification before initializing Link with `connectUrl`.
</Note>

## Before you start

1. When using a webview component, make sure `localStorage` is enabled, `domStorageEnabled` is set to `true`, and `incognito` is set to `false`.
2. If your security policy limits outgoing traffic, allow Link API calls by whitelisting outgoing traffic from Link with these content sources at minimum:

```html theme={}
<meta http-equiv="Content-Security-Policy" content="connect-src https://*.argyle.com; worker-src 'self' blob:" />
```

## Initialize with userToken

Use this path for direct embedded Link implementations that use user tokens.

Create a user token on your server:

* **New users**: create the user via [`POST /v2/users`](/api-reference/users/create-a-user) and use the returned `user_token`.
* **Returning users**: create a new token via [`POST /v2/user-tokens`](/api-reference/user-tokens/create-a-user-token) and use the returned `user_token`.

Initialize Link with the Web SDK:

```html theme={}
<!DOCTYPE html>
<html>
  <head>
    <meta charset="utf-8" />
    <!-- This is needed in order to apply proper scaling on mobile devices -->
    <meta name="viewport" content="width=device-width, initial-scale=1, shrink-to-fit=no" />
  </head>

  <body>
    <script src="https://plugin.argyle.com/argyle.web.v5.js"></script>
    <script type="text/javascript">
      const linkInstance = Argyle.create({
        userToken: 'USER_TOKEN',
        sandbox: true, // Set to false for production environment.
        // (Optional) Add a Link flow customization created in Console:
        //    flowId: '<ID of the Link flow>',
        // (Optional) Limit Link search to specific Items:
        //    items: ['item_000000001', 'item_000000002'],
        // (Optional) Connect directly to an existing account:
        //    accountId: '<ID of the account>',
        // (Optional) Set a language. Options: EN, ES, RU, ZH
        //    language: 'EN',
        // (Optional) A few recommended callbacks:
        onAccountConnected: payload => console.log('onAccountConnected', payload),
        onAccountError: payload => console.log('onAccountError', payload),
        onTokenExpired: updateToken => {
          console.log('onTokenExpired')
          // Generate a new user token.
          // updateToken(newToken)
        }
      })

      linkInstance.open()
      // linkInstance.close() // Manually close Link (typically the user closes Link).
    </script>
  </body>
</html>
```

## Initialize with connectUrl

Use this path when your backend creates a payroll verification session.

1. Create a session via [`POST /v2/sessions`](/api-reference/verifications/create-a-session).
2. Copy the response `link`.
3. Pass that value as `connectUrl` in your Web SDK initialization.

For banking verification sessions, pass the returned session `link` to the banking SDK as `connectURL`.

The session URL already determines whether Link runs in Sandbox or Production. Do not pass `sandbox` with `connectUrl`.

```html theme={}
<!DOCTYPE html>
<html>
  <head>
    <meta charset="utf-8" />
    <!-- This is needed in order to apply proper scaling on mobile devices -->
    <meta name="viewport" content="width=device-width, initial-scale=1, shrink-to-fit=no" />
  </head>

  <body>
    <script src="https://plugin.argyle.com/argyle.web.v5.js"></script>
    <script type="text/javascript">
      const linkInstance = Argyle.create({
        connectUrl: 'SESSION_LINK',
        // (Optional) A few recommended callbacks:
        onAccountConnected: payload => console.log('onAccountConnected', payload),
        onAccountError: payload => console.log('onAccountError', payload)
      })

      linkInstance.open()
      // linkInstance.close() // Manually close Link (typically the user closes Link).
    </script>
  </body>
</html>
```

## Track Link activity

Embedded Web Link supports [callbacks](/link/reference/callbacks), including `onAccountConnected`, `onAccountError`, `onClose`, and `onTokenExpired`.

For verification workflows, also subscribe to [`verifications.updated`](/api-reference/verifications-webhooks/updated) webhooks so your backend can track the verification lifecycle.


# Overview
Source: https://docs.argyle.com/link/overview

Link is where payroll connections are made.

Users connect payroll accounts, upload documents, and manage existing payroll connections in Link.

## Choose how to launch Link

For API implementations, first choose the workflow, then how users will open Link.

### Choose the workflow

* **Verifications:** Create a [session](/verifications/quickstart#create-a-session) and use the returned `link` to launch Link.
* **Data APIs:** Create a [user token](/link/user-tokens) for the user and use it to initialize embedded Link.

### Choose how users open Link

* **Embedded Link:** Use the [Web SDK](/link/initialization/web) or a supported [Mobile SDK](/link/initialization/mobile-sdks). Initialize Link with `connectUrl` for a verification session or `userToken` for a Data API workflow.
* **Hosted Link:** Open the verification session's `link` directly in a browser. See [Hosted Link](/link/initialization/hosted-link).
* **Email or text invitation:** Send a [verification invite through the API](/verifications/quickstart#invites) by creating a session with `type` set to `invite`.

In Console, you can also [send invitations manually](/console/flows/email-sms-templates) or [create Shareable URLs](/console/flows/shareable-urls).

<div>
  <Frame>
    <img alt="Link is where payroll accounts are connected through Argyle." />
  </Frame>
</div>

## Standard connection process

Without any [customizations](/console/flows/embedded-experiences), the standard payroll connection process in Link is as follows:

<Tabs>
  <Tab title="Step 1">
    The user searches from a general list of potential income sources. This includes employers, government entities, and payroll services.

    <div>
      <Frame>
        <img alt="Search screen in Link." />
      </Frame>
    </div>
  </Tab>

  <Tab title="Step 2">
    If the user cannot find their source of income from this general list, they will be prompted to search from a list of only payroll providers that service multiple employers.

    <div>
      <Frame>
        <img alt="Can't find income source screen in Link." />
      </Frame>
    </div>

    <Note>
      These payroll providers are searchable in step 1, but we have found narrowing the search focus to payroll providers improves the connection success rate for users.
    </Note>
  </Tab>

  <Tab title="Step 3">
    If the user successfully finds their source of income, they are taken to its respective login screen. From the login screen, the user can enter their login credentials to connect their account.

    <div>
      <Frame>
        <img alt="Login screen in Link." />
      </Frame>
    </div>

    * If the user cannot remember their login credentials, the login screen provides a link to the platform's username/password reset process.
    * Each login screen is tailored to match the input fields used by the underlying payroll system. For example, some systems require a username and password, others an email and password, while others may use SSO methods to login. You can preview the login screen for any employer or payroll system in the <a href="https://console.argyle.com/flows">Flows</a> section of Console.

    <Note>
      For phone number logins, Link will automatically adjust the country code and input format based on the user's device settings:

      <Image alt="Link automatically formats phone inputs." />
    </Note>

    <div>
      <Frame>
        <img alt="Link automatically formats phone inputs." />
      </Frame>
    </div>
  </Tab>

  <Tab title="Step 4">
    If the user cannot ultimately find their source of income, they are asked to submit a response form and list their employers or payroll providers.

    <div>
      <Frame>
        <img alt="Response form screen in Link." />
      </Frame>
    </div>
  </Tab>
</Tabs>

## Link screens

Our <a href="https://www.figma.com/design/i5gVMi4YmZD2YblzvhvZRl/Argyle-Link-%E2%80%93-UI-toolkit?node-id=2605-12927&t=6zIDYkV6qrHD9h4P-0">UI Toolkit</a> in Figma provides screen mockups of the user experience in Link for common flows:

<Tabs>
  <Tab title="Solutions Flows">
    * Verification of income and employment
    * Paycheck-linked lending
    * Earned wage access
  </Tab>

  <Tab title="Advanced Flows">
    * Direct login
    * Account re-authentication
    * Fallback flows
    * Revoking account access
    * Connecting multiple accounts
  </Tab>

  <Tab title="Document Upload Flows">
    * Document upload from the intro screen
    * Document upload as a fallback flow
    * Go directly to document uploading, bypassing Link search
  </Tab>
</Tabs>

<Note>
  You can also preview and test different flows in the <a href="https://console.argyle.com/flows">Flows section of Console</a>.
</Note>

## Additional resources

* Visit our [Workflows Guides](/workflows/account-connections) to learn how to adjust Link's payroll account connection process and enable document upload.
* Branding and customizing Link is discussed in our [Flows Guides](/console/flows/embedded-experiences).
* (Embedded Link) Create automations using [Link Callbacks](/link/reference/callbacks).
* (Embedded Link) Capture how users interact with Link using our [Tracking Guide](/link/reference/tracking).


# Callbacks
Source: https://docs.argyle.com/link/reference/callbacks

Respond to immediate user actions and state changes in embedded Link.

Use callbacks to respond to user actions and state changes in embedded Link. For example, the `onAccountConnected` callback lets your application respond when a user successfully connects an account.

<Note>
  Callbacks are not designed to be a primary source of analytics information. For detailed metrics on step-by-step conversion success rates, visit the **Conversion** area of <a href="https://console.argyle.com/dashboard">Console's Dashboard</a> or contact your customer success manager.
</Note>

## Callback formats

Although optional, adding callbacks is simple. Just add a few lines of code to your Link initialization.

Below are example Link initializations that include every callback:

<Tabs>
  <Tab title="Web">
    ```html theme={}
    <!DOCTYPE html>
    <html>
      <head>
        <meta charset="utf-8" />
        <!-- This is needed in order to apply proper scaling on mobile devices -->
        <meta name="viewport" content="width=device-width, initial-scale=1, shrink-to-fit=no" />
      </head>

      <body>
        <script src="https://plugin.argyle.com/argyle.web.v5.js"></script>
        <script type="text/javascript">
          const linkInstance = Argyle.create({
            userToken: 'USER_TOKEN',
            sandbox: true, // Set to false for production environment.
            // (Optional) Callback examples:
            onAccountConnected: (payload) => console.log('onAccountConnected', payload),
            onAccountCreated: (payload) => console.log('onAccountCreated', payload),
            onAccountError: (payload) => console.log('onAccountError', payload),
            onAccountRemoved: (payload) => console.log('onAccountRemoved', payload),
            onCantFindItemClicked: (payload) => console.log('onCantFindItemClicked', payload),
            onClose: () => console.log('onClose'),
            onDocumentsSubmitted: (payload) => console.log('onDocumentsSubmitted', payload),
            onFormSubmitted: (payload) => console.log('onFormSubmitted', payload),
            onSelfCertificationSubmitted: (payload) => console.log('onSelfCertificationSubmitted', payload),
            onUIEvent: (payload) => console.log('onUIEvent', payload),
            onError: (payload) => console.log('onError', payload),
            onTokenExpired: (updateToken) => {
              console.log('onTokenExpired');
              // Generate a new user token.
              // updateToken("<New user token>")
            },
          });
          linkInstance.open();
          // linkInstance.close() // Manually close Link (typically the user closes Link).
        </script>
      </body>
    </html>
    ```
  </Tab>

  <Tab title="iOS">
    ```swift theme={}
    var config = LinkConfig(
        userToken: "USER_TOKEN",
        sandbox: true // Set to false for production environment.
    )
    // (Optional) Callback examples:
    config.onAccountConnected = { data in
        print("Result: onAccountConnected \(data)")
    }
    config.onAccountCreated = { data in
        print("Result: onAccountCreated \(data)")
    }
    config.onAccountError = { data in
        print("Result: onAccountError \(data)")
    }
    config.onAccountRemoved = { data in
        print("Result: onAccountRemoved \(data)")
    }
    config.onCantFindItemClicked = { data in
        print("Result: onCantFindItemClicked \(data)")
    }
    config.onClose = {
        print("Result: onClose")
    }
    config.onDocumentsSubmitted = { data in
        print("Result: onDocumentsSubmitted \(data)")
    }
    config.onFormSubmitted = { data in
        print("Result: onFormSubmitted \(data)")
    }
    config.onUIEvent = { data in
        print("Result: onUIEvent \(data)")
    }
    config.onError = { data in
        print("Result: onError \(data)")
    }
    config.onTokenExpired = { handler in
        print("onTokenExpired")
        // Generate a new user token.
        // handler(newToken)
    }

    ArgyleLink.start(from: viewController, config: config)
    // ArgyleLink.close()   // Manually close Link (typically the user closes Link).
    ```
  </Tab>

  <Tab title="Android">
    ```kotlin theme={}
    val config = LinkConfig(
        userToken = "USER_TOKEN",
        sandbox = true // Set to false for production environment.
    )
    // (Optional) Callback examples:
    config.onAccountConnected = { data ->
        Log.d("Result", "onAccountConnected $data")
    }
    config.onAccountCreated = { data ->
        Log.d("Result", "onAccountCreated $data")
    }
    config.onAccountError = { data ->
        Log.d("Result", "onAccountError $data")
    }
    config.onAccountRemoved = { data ->
        Log.d("Result", "onAccountRemoved $data")
    }
    config.onCantFindItemClicked = { data ->
        Log.d("Result", "onCantFindItemClicked $data")
    }
    config.onClose = {
        Log.d("Result", "onClose")
    }
    config.onDocumentsSubmitted = { data ->
        Log.d("Result", "onDocumentsSubmitted $data")
    }
    config.onFormSubmitted = { data ->
        Log.d("Result", "onFormSubmitted $data")
    }
    config.onUIEvent = { data ->
        Log.d("Result", "onUIEvent $data")
    }
    config.onError = { data ->
        Log.d("Result", "onError $data")
    }
    config.onTokenExpired = { handler ->
    	   // Generate a new user token.
        // handler(newToken)
    }

    ArgyleLink.start(context, config)
    // ArgyleLink.close()   // Manually close Link (typically the user closes Link).
    ```
  </Tab>

  <Tab title="React Native">
    ```js theme={}
    import { ArgyleLink } from '@argyleio/argyle-plugin-react-native';

    // ...

    const config = {
      userToken: 'USER_TOKEN',
      sandbox: true, // Set to false for production environment.
      // (Optional) Callback examples:
      onAccountConnected: (payload) => console.log('onAccountConnected', payload),
      onAccountCreated: (payload) => console.log('onAccountCreated', payload),
      onAccountError: (payload) => console.log('onAccountError', payload),
      onAccountRemoved: (payload) => console.log('onAccountRemoved', payload),
      onCantFindItemClicked: (payload) => console.log('onCantFindItemClicked', payload),
      onClose: () => console.log('onClose'),
      onDocumentsSubmitted: (payload) => console.log('onDocumentsSubmitted', payload),
      onFormSubmitted: (payload) => console.log('onFormSubmitted', payload),
      onUIEvent: (payload) => console.log('onUIEvent', payload),
      onError: (payload) => console.log('onError', payload),
      onTokenExpired: (updateToken) => {
        console.log('onTokenExpired');
        // Generate a new user token.
        // updateToken("<New user token>")
      },
    };

    ArgyleLink.start(config);
    // ArgyleLink.close()   // Manually close Link (typically the user closes Link).
    ```
  </Tab>

  <Tab title="Flutter">
    ```dart theme={}
    import 'package:argyle_link_flutter/link_config.dart';
    // (Required if using callbacks) Callback argument type definitions
    import 'package:argyle_link_flutter/account_data.dart';
    import 'package:argyle_link_flutter/argyle_link.dart';
    import 'package:argyle_link_flutter/form_data.dart';

    // ...

    final config = LinkConfig(
      userToken: 'USER_TOKEN',
      sandbox: true, // Set to false for production environment.
      // (Optional) Callback examples:
      onAccountConnected: (payload) => debugPrint('onAccountConnected'),
      onAccountCreated: (payload) => debugPrint('onAccountCreated'),
      onAccountError: (payload) => debugPrint('onAccountError'),
      onAccountRemoved: (payload) => debugPrint('onAccountRemoved'),
      onCantFindItemClicked: (payload) => debugPrint('onCantFindItemClicked'),
      onClose: () => debugPrint('onClose'),
      onDocumentsSubmitted: (payload) => debugPrint('onDocumentsSubmitted'),
      onFormSubmitted: (payload) => debugPrint('onFormSubmitted'),
      onUIEvent: (payload) => debugPrint('onUIEvent'),
      onError: (payload) => debugPrint('onError'),
      onTokenExpired: (updateToken) => {
        debugPrint('onTokenExpired')
        // Generate a new user token.
        // updateToken(newToken)
      },
    );

    ArgyleLink.start(config);
    // ArgyleLink.close()   // Manually close Link (typically the user closes Link).
    ```
  </Tab>
</Tabs>

## Account callbacks

<div />

### `onAccountConnected`

Invoked when an account is successfully authenticated (including MFA) to an Item. Also invoked when a user reconnects a previously disconnected account.

**Returns**:

```json theme={}
AccountData (
    "accountId": String,
    "userId": String,
    "itemId": String
)
```

### `onAccountCreated`

Invoked when a user clicks **Connect** in Link, which creates an account for the user.

<Note>
  This callback is invoked *before* account authentication (successful or unsuccessful) to an Item.
</Note>

**Returns**:

```json theme={}
AccountData (
    "accountId": String,
    "userId": String,
    "itemId": String
)
```

### `onAccountError`

Invoked if an account fails to authenticate to an Item.

**Returns**:

```json theme={}
AccountData (
    "accountId": String,
    "userId": String,
    "itemId": String
)
```

### `onAccountRemoved`

Invoked when a user revokes access to a connected account.

**Returns**:

```json theme={}
AccountData (
    "accountId": String,
    "userId": String,
    "itemId": String
)
```

## User flow callbacks

<div />

### `onCantFindItemClicked`

Invoked when the user selects **"If no results"** in Link, which is shown *only if* you selected the **Callback** [fallback experience](/console/flows/shareable-urls#argyle-link) when customizing any type of <a href="https://console.argyle.com/flows">Link Flow</a> in Console.

This callback closes Link and **returns the user's search query**.

<Note>
  The `onCantFindItemClicked` callback will always precede the `onClose` callback.
</Note>

### `onClose`

Invoked when the user closes Link.

**Returns**:

```json theme={}
UserData (
    "userSubmissionComplete": Boolean,
    "userAttemptedEmployerSelection": Boolean
)
```

* `userSubmissionComplete` — Will be `true` if at least one account is connected. Will remain `false` if no accounts are connected (including when only documents are uploaded or only a form is submitted).
* `userAttemptedEmployerSelection` — Will be `true` only if the user actively searched for an employer within Link.

<Note>
  When [integrations](/integrations/pos-los/ncino) are enabled that require a specific length of employment history, `userSubmissionComplete` will be `true` only when connected accounts meet history length requirements.
</Note>

### `onDocumentsSubmitted`

Invoked when the user selects **Submit** after initially uploading documents through Link's [document upload](/workflows/document-processing) workflow, and every subsequent document upload thereafter.

**Returns**:

```json theme={}
FormData (
    "accountId": String,  //  (deprecated)
    "userId": String
)
```

### `onFormSubmitted`

Invoked when a response form is submitted through Link's **"If no results"** experience (configurable via <a href="https://console.argyle.com/flows">Flows</a> in Console).

**Returns**:

```json theme={}
FormData (
    "accountId": String,
    "userId": String
)
```

### `onSelfCertificationSubmitted`

Invoked once when a user successfully submits a self-certification in Link for a [government verification](/verticals/government-benefits).

<Note>
  This callback is available only in **Web Link**.
</Note>

**Returns**:

```json theme={}
FormData (
    "userId": String,
    "hasComment": Boolean
)
```

* `userId` — ID of the user.
* `hasComment` — Will be `true` only if the user entered text in **Additional comments**.

### `onUIEvent`

Invoked when specific UI events occur in Link.

<Note>
  This callback and its event-specific return values are detailed in-depth in our [Tracking guide](/link/reference/tracking).
</Note>

## Operational callbacks

<div />

### `onError`

Invoked when Link encounters an internal problem that breaks the flow for the user.

**Returns**:

```json theme={}
LinkError (
    "userId": String,
    "errorType": String (enum),
    "errorMessage": String,
    "errorDetails": String
)
```

* `userId` — ID of the user.
* `errorType` — Which [Link error](/link/reference/error-codes) occurred.
* `errorMessage` — The error message shown to the user.
* `errorDetails` - The "error details" of the Link error.

### `onTokenExpired`

Invoked when a [user token](/link/user-tokens) expires (iOS, Android, React Native, Flutter) or 5 minutes before a user token expires (Web).

<Note>
  After a user token expires, any additional actions taken by the user during the same Link session will result in an `invalid_user_token` error.
</Note>

This callback provides another function as a parameter, which can be used to update the user token for the user's current Link session. This prevents having to close and re-initialize Link for the user.

To use this function:

1. Create a new user token
2. Call the function with the user token as the argument


# Error Codes
Source: https://docs.argyle.com/link/reference/error-codes

Handle errors returned by the Link SDK and embedded connection experience.

Link errors: common causes and troubleshooting.

## Overview

When a user encounters an error in Link, they are shown an error screen that displays suggestions for resolving the particular issue. *For easier troubleshooting, we recommend you include the* `onError` *[callback](/link/reference/callbacks#onerror) in your Link initialization.*

The `onError` callback returns:

```json theme={}
LinkError (
    "userId": String,           // ID of the user
    "errorType": String (enum), // Error name
    "errorMessage": String,     // User message
    "errorDetails": String      // Error details
)
```

## Link errors

<div />

### `callback_undefined`

<Tabs>
  <Tab title="User message">
    This page does not exist. Reach out to \[Company name] for help.
  </Tab>

  <Tab title="Error details">
    Reason: callback undefined (`onCantFindItemClicked`)
  </Tab>

  <Tab title="Common causes">
    The **Callback** experience type was selected for **"If no results"** when customizing a <a href="https://console.argyle.com/flows">Link Flow</a>, but the `onCantFindItemClicked` callback was not included in the Link initialization.
  </Tab>

  <Tab title="Troubleshooting">
    Include the `onCantFindItemClicked` callback in your Link initialization.
  </Tab>
</Tabs>

<Frame>
  <img alt="callback_undefined Link error" />
</Frame>

### `duplicate_account`

<Tabs>
  <Tab title="User message">
    This User ID is already associated with a connected account. Please try a different User ID to connect another account.
  </Tab>

  <Tab title="Error details">
    none
  </Tab>

  <Tab title="Common causes">
    The user attempted to connect an already-connected account.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to double-check which log in credentials they currently or originally used for the intended employer.
  </Tab>
</Tabs>

<Frame>
  <img alt="duplicate_account Link error" />
</Frame>

### `embedded_employer_inaccessible`

<Tabs>
  <Tab title="User message">
    We couldn’t reach \[Company name] from your current setup. Try connecting the same way you normally sign in to \[Company name]. These are the most common things to check:

    * Connect to your company VPN or network
    * Use an approved work device
  </Tab>

  <Tab title="Error details">
    none
  </Tab>

  <Tab title="Common causes">
    Link could not load the employer's embedded login page. The employer may require access through a company VPN or network, or from an approved work device.
  </Tab>

  <Tab title="Troubleshooting">
    Advise the user to connect to their company VPN or network, use an approved work device, and try again.
  </Tab>
</Tabs>

<Frame>
  <img alt="embedded_employer_inaccessible Link error" />
</Frame>

### `expired_user_token`

<Tabs>
  <Tab title="User message">
    The service is experiencing connection problems. Please try again later.
  </Tab>

  <Tab title="Error details">
    User ID: `<ID of the user>` (see [user ID](/api-reference/users))

    Reason: expired `userToken`
  </Tab>

  <Tab title="Common causes">
    Link was initialized with an expired user token, or the user token expired during the Link session.
  </Tab>

  <Tab title="Troubleshooting">
    Create a new user token, and either:

    1. Re-initialize Link with the new user token.
    2. Pass the new user token to the `onTokenExpired` [callback](/link/reference/callbacks#ontokenexpired) to continue the existing Link session.
  </Tab>
</Tabs>

<Frame>
  <img alt="expired_user_token Link error" />
</Frame>

### `generic`

<Tabs>
  <Tab title="User message">
    The service is experiencing connection problems. Please try again later.
  </Tab>

  <Tab title="Error details">
    none
  </Tab>

  <Tab title="Common causes">
    An unexpected error occurred. We are looking into it.
  </Tab>

  <Tab title="Troubleshooting">
    Contact our support team for more details.
  </Tab>
</Tabs>

<Frame>
  <img alt="generic Link error" />
</Frame>

### `invalid_account_id`

<Tabs>
  <Tab title="User message">
    The page does not exist. Reach out the \[Company] for help.
  </Tab>

  <Tab title="Error details">
    Reason: invalid accountId
  </Tab>

  <Tab title="Common causes">
    An invalid `accountId` was used for [direct login to an existing account](/workflows/account-connections#existing-connections) when initializing Link.
  </Tab>

  <Tab title="Troubleshooting">
    Use the [accounts API endpoint](/api-reference/accounts#list) with the user's `id` as a query parameter to see a list of valid `accountId`'s for the user.
  </Tab>
</Tabs>

<Frame>
  <img alt="invalid_account_id Link error" />
</Frame>

### `invalid_items`

<Tabs>
  <Tab title="User message">
    This page does not exist. Reach out to \[Company name] for help.
  </Tab>

  <Tab title="Error details">
    Reason: invalid custom items
  </Tab>

  <Tab title="Common causes">
    * [Direct login](/workflows/account-connections#direct-login) was used for an Item that does not exist.
    * Link search was constrained to Items that do not exist.
    * Link was initialized with the optional `items` [initialization parameter](/link/initialization/overview#optional-initialization-parameters) but an empty array was present.
  </Tab>

  <Tab title="Troubleshooting">
    Use the Items endpoint and Console's <a href="https://console.argyle.com/coverage">Coverage</a> page to check Item availability.
  </Tab>
</Tabs>

<Frame>
  <img alt="invalid_items Link error" />
</Frame>

### `invalid_user_token`

<Tabs>
  <Tab title="User message">
    The service is experiencing connection problems. Please try again later.
  </Tab>

  <Tab title="Error details">
    Reason: invalid userToken
  </Tab>

  <Tab title="Common causes">
    The [user token](/link/user-tokens) provided in the Link initialization was not valid.
  </Tab>

  <Tab title="Troubleshooting">
    Check the user token was provided correctly in the Link initialization. See our [user tokens guide](/link/user-tokens) for more information.
  </Tab>
</Tabs>

<Frame>
  <img alt="invalid_user_token Link error" />
</Frame>


# Tracking
Source: https://docs.argyle.com/link/reference/tracking

Track user interaction events from embedded Link.

Capture how users interact with Link.

## Overview

You can track user behavior in Link by including the `onUIEvent` callback in your Link initialization.

The `onUIEvent` callback is triggered for specific UI events in Link, and although optional, including this callback can help with troubleshooting as well as optimizing conversion rates.

<Note>
  Callbacks are not designed to be a primary source of analytics information. For detailed metrics on step-by-step conversion success rates, visit the **Conversion** area of <a href="https://console.argyle.com/dashboard">Console's Dashboard</a> or contact your customer success manager.
</Note>

## Callback format

Add the line below to your Link initialization:

<Tabs>
  <Tab title="Web">
    ```js theme={}
    onUIEvent: (payload) => console.log('onUIEvent', payload),
    ```
  </Tab>

  <Tab title="iOS">
    ```swift theme={}
    config.onUIEvent = { data in
        print("Result: onUIEvent \(data)")
    }
    ```
  </Tab>

  <Tab title="Android">
    ```kotlin theme={}
    config.onUIEvent = { data ->
        Log.d("Result", "onUIEvent $data")
    }
    ```
  </Tab>

  <Tab title="React Native">
    ```js theme={}
    onUIEvent: (payload) => console.log('onUIEvent', payload);
    ```
  </Tab>

  <Tab title="Flutter">
    ```dart theme={}
    onUIEvent: (payload) => debugPrint('onUIEvent');
    ```
  </Tab>
</Tabs>

## Callback payload

The `onUIEvent` callback returns:

1. The `name` of the [UI-related Event](/link/reference/tracking#events) that triggered the callback.
2. A `properties` object, which can include:
   * `deepLink` (always) — Whether the user was [directly connected](/workflows/account-connections#direct-login) to the Item.
   * `userId` (always) — ID of the user.
   * `accountId` (conditional) — ID of the user's account.
   * `itemId` (conditional) — ID of the relevant Item.
   * Event-specific properties (conditional) — See [Events](/link/reference/tracking#events) below.

#### Example:

```json theme={}
UIEvent (
    "name": "mfa - opened",
    "properties": {
        "deepLink": false,
        "userId": "019ac324-91b5-2e5b-dc96-c931e25da1e2",
        "itemId": "item_123456789",
        "type": "Login",
        "mfaType": "sms_code"
    }
)
```

## Events

<div />

### Intro screen

<Frame>
  <img alt="Intro screen in Link." />
</Frame>

| Event Name       | Event Description                 | Event Specific Properties |
| ---------------- | --------------------------------- | ------------------------- |
| `intro - opened` | The user opened the intro screen. | none                      |

### Search screen

<Frame>
  <img alt="Search screen in Link." />
</Frame>

| Event Name                    | Event Description                                 | Event Specific Properties |
| ----------------------------- | ------------------------------------------------- | ------------------------- |
| `search - opened`             | The user opened the search screen.                | none                      |
| `search - term updated`       | The user entered a search term.                   | `term`, `tab`             |
| `search - link item selected` | The user selected an Item from the search screen. | `term`, `tab`             |

**Property definitions:**

* `term` — The text entered in the search field.
* `tab` — The tab that was open when the user entered a search term or selected an Item. Ignored for empty (or deleted) search terms. Possible values: `Popular`, `Payroll providers`, `Employers`

### User profile screen

<Frame>
  <img alt="Your connections screen in Link." />
</Frame>

| Event Name              | Event Description                                           | Event Specific Properties |
| ----------------------- | ----------------------------------------------------------- | ------------------------- |
| `user profile - opened` | The user opened the user profile (Your connections) screen. | none                      |

### Login screen

<Frame>
  <img alt="Login screen in Link." />
</Frame>

| Event Name                   | Event Description                                                                              | Event Specific Properties   |
| ---------------------------- | ---------------------------------------------------------------------------------------------- | --------------------------- |
| `login - opened`             | The user opened the login screen or was returned to the login screen after a connection error. | `errorCode`, `errorMessage` |
| `login - form submitted`     | The user submitted login credentials.                                                          | none                        |
| `login - login help clicked` | The user selected "Login help".                                                                | none                        |

**Property definitions:**

* `errorCode` — The [account connection error](/api-reference/account-connection-errors) relevant to the login screen that occurred. Possible values: `auth_required`, `connection_unavailable`, `expired_credentials`, `invalid_auth`, `invalid_credentials`, `mfa_cancelled_by_the_user`
* `errorMessage` — The account connection error message shown to the user.

### MFA screen

<Frame>
  <img alt="MFA screen in Link." />
</Frame>

| Event Name     | Event Description                                                                                                         | Event Specific Properties |
| -------------- | ------------------------------------------------------------------------------------------------------------------------- | ------------------------- |
| `mfa - opened` | The user was routed through a [multi-factor authentication (MFA) process](/workflows/account-connections#completing-mfa). | `type`, `mfaType`         |

**Property definitions:**

* `type` — Whether MFA occurred during login. Possible value: `Login`
* `mfaType` — The type of MFA. Possible values: `sms_code`, `email_code`, `secret_question`, `email_link_confirmation`, `otp_code`, `email_message_confirmation`

### Success screen

<Frame>
  <img alt="Success screen in Link." />
</Frame>

| Event Name         | Event Description                                                          | Event Specific Properties |
| ------------------ | -------------------------------------------------------------------------- | ------------------------- |
| `success - opened` | The user entered the success screen after a successful account connection. | none                      |

### Account status screen

<Frame>
  <img alt="Account status screen in Link." />
</Frame>

| Event Name                      | Event Description                          | Event Specific Properties |
| ------------------------------- | ------------------------------------------ | ------------------------- |
| `account status - opened`       | The user opened the account status screen. | none                      |
| `account status - disconnected` | The user revoked access to an account.     | none                      |

### Account error screen

<Frame>
  <img alt="Account error screen in Link." />
</Frame>

| Event Name               | Event Description                                          | Event Specific Properties                 |
| ------------------------ | ---------------------------------------------------------- | ----------------------------------------- |
| `account error - opened` | The user encountered an error while connecting an account. | `connectionStatus`, `connectionErrorCode` |

**Property definitions:**

* `connectionStatus` — The `connection.status` of the [Account](/api-reference/accounts#object).
* `connectionErrorCode` — The [account connection error](/api-reference/account-connection-errors) that occurred.

<Note>
  `connectionErrorCode` is only returned when `connectionStatus` = `error`
</Note>

### Link error screen

<Frame>
  <img alt="Link error screen in Link." />
</Frame>

| Event Name       | Event Description                                 | Event Specific Properties |
| ---------------- | ------------------------------------------------- | ------------------------- |
| `error - opened` | The user encountered an error while opening Link. | `errorType`               |

**Property definitions:**

* `errorType` — The [Link error](/link/reference/error-codes) that occurred.

### Link closed

Occurs when the user closes Link from any screen.

| Event Name    | Event Description     | Event Specific Properties |
| ------------- | --------------------- | ------------------------- |
| `link closed` | The user closed Link. | `closeMethod `            |

**Property definitions:**

* `closeMethod` — How Link was closed.

**Possible values:**

<Note>
  * `footer_button` — Link was closed by the user selecting the `Done` (re-nameable) button on a final screen.
    * `x` — Link was closed by the user selecting `[X]` in the upper-left of the screen.
    * `null` — Link was closed programmatically via an [Argyle SDK](/link/initialization), or when the [onCantFindItemClicked](/link/reference/callbacks#oncantfinditemclicked) callback is used, or any other event that causes Link to close.
</Note>


# Upgrade
Source: https://docs.argyle.com/link/upgrade

Keep Link SDK installations current across web and mobile applications.

Argyle periodically releases updates to its SDKs. These updates can include new functionalities, bug fixes, and security updates. For each new Link release, we recommend upgrading your SDK installation as soon as possible.

* To stay notified about new Link releases, subscribe to our [Changelog](https://changelog.argyle.com/). All Link SDK versions are also made available or will soon be made available on our public [Github repository](https://github.com/argyle-systems).
* For first time integrations, visit our [Initialization](/link/initialization) page.

## Web

Link for Web updates automatically with each release. You do not need to take any steps to upgrade your Web integration.

<Note>
  (Exception) If you are migrating from Link 4 to Link 5, note that the script plugin changed and is now:

  ```
  <script src="https://plugin.argyle.com/argyle.web.v5.js"></script>
  ```
</Note>

## iOS

**Requirements** — iOS 14.0+, Xcode 14.0+, Swift 5.5+

* To verify your current iOS SDK version, check the `Podfile.lock` file of your Xcode project.
* Before upgrading, review our [iOS SDK release notes](https://github.com/argyle-systems/argyle-link-ios/releases) on Github for changes and information on each release.
* To avoid issues and crashes, upgrade your SDK to the latest version before you compile your app.

Previously installed using:

<Tabs>
  <Tab title="CocoaPods">
    1. Run `pod outdated` to see if a newer version of the iOS SDK is available, or refer to our [iOS SDK release notes](https://github.com/argyle-systems/argyle-link-ios/releases) on Github.
    2. If a newer version is available, update your `Podfile` to the new version. See [specifying pod versions](https://guides.cocoapods.org/using/the-podfile.html#specifying-pod-versions) for more information.
    3. Run `pod update` to install the new version.
    4. Make any necessary changes relevant to the new version, as specified in the iOS SDK release notes.
    5. Clean and rebuild your project by selecting **Product > Clean** and then **Product > Build**.
  </Tab>

  <Tab title="Swift Package Manager">
    1. Right-click on the `ArgyleLink` package under Package Dependencies in Xcode's Project Navigator and select Update Package.
    2. Make any necessary changes relevant to the new version, as specified in the [iOS SDK release notes](https://github.com/argyle-systems/argyle-link-ios/releases) on Github.
    3. Clean and rebuild your project by selecting **Product > Clean** and then **Product > Build**.
  </Tab>

  <Tab title="Manual Download">
    1. Download and replace the old SDK version with the newest version.
    2. Make any necessary changes relevant to the new version, as specified in the [iOS SDK release notes](https://github.com/argyle-systems/argyle-link-ios/releases) on Github.
    3. Clean and rebuild your project by selecting **Product > Clean** and then **Product > Build**.
  </Tab>
</Tabs>

## Android

**Requirements** — Android 8.0 (minSdk/API level 26) and above, compileSdk 34 and above

* Before upgrading, review our [Android SDK release notes](https://github.com/argyle-systems/argyle-link-android/releases) on Github for changes and information on each release.

1. Update the version number within the dependencies of your `build.gradle` [configuration file](https://developer.android.com/studio/build#top-level):

   ```
   dependencies {
     implementation 'com.argyle:argyle-link-android:5.x.x'
   }
   ```

2. [Sync your Android project](https://developer.android.com/studio/build#sync-files) to import the build configuration changes and update to the latest Android SDK version.

## React Native

**React Native Requirements** — React Native version 0.73.0 or higher

**iOS Requirements** — iOS 14.0+, Xcode 14.0+, Swift 5.5+

**Android Requirements** — Android 8.0 (minSdk/API level 26) and above, compileSdk 34 and above

* Before upgrading, review our [React Native SDK release notes](https://github.com/argyle-systems/argyle-link-react-native/releases) on Github for changes and information on each release.

Previously installed using:

<Tabs>
  <Tab title="NPM">
    1. Update `package.json` with the newer React Native SDK version.
    2. Run `npm install` to update the SDK with the new version.
    3. Run `cd ios` to navigate to the `ios` folder.
    4. Run `pod update` to update the SDK with the new version.
    5. Make any necessary changes relevant to the new version, as specified in the React Native SDK release notes.
  </Tab>

  <Tab title="Yarn">
    1. Update `package.json` with the newer React Native SDK version.
    2. Run `yarn upgrade @argyleio/argyle-plugin-react-native` to update the SDK with the new version.
    3. Run `cd ios` to navigate to the `ios` folder.
    4. Run `pod update` to update the SDK with the new version.
    5. Make any necessary changes relevant to the new version, as specified in the React Native SDK release notes.
  </Tab>
</Tabs>

## Flutter

**iOS Requirements** — iOS 14.0+, Xcode 14.0+, Swift 5.5+

**Android Requirements** — Android 8.0 (minSdk/API level 26) and above, compileSdk 34 and above

* Before upgrading, review our [Flutter SDK release notes](https://github.com/argyle-systems/argyle-link-flutter/releases) on Github for changes and information on each release.

Update the version number within the dependencies of your `pubspec.yaml` file:

```
dependencies:
  argyle_link_flutter: ^1.x.x
```


# User Tokens
Source: https://docs.argyle.com/link/user-tokens

Initialize embedded Link for a specific existing user without exposing API credentials.

<Note>
  User tokens are required for [embedded Link initializations](/link/initialization) that use the `userToken` parameter.

  For [payroll verification workflows](/verifications/overview) that create a session, use the returned session `link` as the `connectUrl` parameter for embedded Link, or launch it directly as [Hosted Link](/link/initialization/hosted-link).
</Note>

## Benefits of user tokens

* Return an existing user to embedded Link without exposing API credentials.
* Send the user directly to an existing account for [reconnection](/workflows/reconnecting-accounts) or connection management.
* Reuse the same Argyle user record instead of creating another user for a returning person.

<Frame>
  <img alt="User tokens support embedded Link reconnect and returning-user flows." />
</Frame>

## Creating a user token

To prevent your API key and secret from being exposed on the front-end, request user tokens on your server side.

<Note>
  As a best practice, we recommend creating a new user token every time Link is initialized with a `userToken`. Please note the length of user tokens and their [decoded values](/link/user-tokens#decoded-tokens) are subject to change.
</Note>

### New users

1. Create a new user by sending a **POST** request to the API's [`/users`](/api-reference/users) endpoint.
2. The response payload will include an `id` and `user_token`.
3. Store the `id` for creating user tokens when the same user returns.
4. Initialize Link by passing the `user_token` as the value for the `userToken` parameter.

### Returning users

1. Send a **POST** request to the API's [`/user-tokens`](/api-reference/user-tokens) endpoint and include the `id` of the user in the request body as a JSON object in the format `{"user": "<id>"}`.
2. A `user_token` will be included in the response payload.
3. Initialize Link by passing the `user_token` as the value for the `userToken` parameter.

## Example Link initializations

<CodeGroup>
  ```html Web theme={}
  <!DOCTYPE html>
  <html>

  <head>
      <meta charset="utf-8" />
      <meta name="viewport" content="width=device-width, initial-scale=1, shrink-to-fit=no" />
  </head>

  <body>
      <script src="https://plugin.argyle.com/argyle.web.v5.js"></script>
      <script type="text/javascript">
          const linkInstance = Argyle.create({
              userToken: 'USER_TOKEN',
              sandbox: true // Set to false for production environment.
          })
          linkInstance.open()
      </script>
  </body>

  </html>
  ```

  ```swift iOS theme={}
  var config = LinkConfig(
      userToken: "USER_TOKEN",
      sandbox: true // Set to false for production environment.
  )

  ArgyleLink.start(from: viewController, config: config)
  ```

  ```kotlin Android theme={}
  val config = LinkConfig(
      userToken = "USER_TOKEN",
      sandbox = true // Set to false for production environment.
  )

  ArgyleLink.start(context, config)
  ```

  ```js React Native theme={}
  import { ArgyleLink } from '@argyleio/argyle-plugin-react-native';

  // ...

  const config = {
      userToken: 'USER_TOKEN',
      sandbox: true // Set to false for production environment.
  };

  ArgyleLink.start(config);
  ```

  ```dart Flutter theme={}
  import 'package:argyle_link_flutter/link_config.dart';

  // ...

  final config = LinkConfig (
      userToken: 'USER_TOKEN',
      sandbox: true // Set to false for production environment.
  );

  ArgyleLink.start(config);
  ```
</CodeGroup>

## Returning to connected accounts

When just a `userToken` is included in your Link initialization, a returning user that has already connected a payroll account will initially arrive at Link's home screen. From there, the user can search for and connect additional accounts, or access their already-connected accounts by selecting "Your connections."

Including both the required `userToken` and optional `accountId` [Link initialization parameters](/link/initialization/overview#optional-initialization-parameters) opens the existing payroll account that matches `accountId`. This skips the **Your connections** selection step for actions such as:

* [Reconnecting](/workflows/reconnecting-accounts) a disconnected account
* [Revoking](/workflows/reconnecting-accounts#revoking-access) account access

<Frame>
  <img alt="Combine userToken and accountId in your Link initialization to directly connect a user to an existing payroll account connected through Argyle." />
</Frame>

## Decoded tokens

Argyle utilizes [JWT tokens](https://jwt.io/) for user tokens.

<Note>
  For troubleshooting, JWT tokens can be decoded. However, we do not recommend monitoring individual token fields such as expiry date, and instead recommend creating a new user token every time Link is initialized with a `userToken` as a best practice.
</Note>

Decoded JWT token payload

```json theme={}

{
    "client_id": "0d9b5bf3-97fa-4757-a136-b2a03d171414",
    "exp": 1652481485,
    "iat": 1649889485,
    "iss": "argyle-core-auth-prod",
    "jti": "00097a26-2f2a-4aa0-8eca-95ebe56d57a8",
    "sub": "017f8978-bbfd-ff64-18ce-d59f99bf51c2",
    "user_id": "017f8978-bbfd-ff64-18ce-d59f99bf51c2"
}

```


# Data Delivery
Source: https://docs.argyle.com/overview/data-delivery

Know when payroll data is ready.

Payroll data arrives and updates in stages after a user connects an account. Choose readiness events based on the records your workflow requires.

<Note>
  This page applies to payroll Data API workflows. Banking and other report-based implementations should use [verification status](/verifications/verification-statuses) instead of account synchronization events to determine report readiness.
</Note>

## Delivery order

Initial delivery begins after the user successfully authenticates the payroll account.

* Person, employment, and other information that changes less frequently is generally available first.
* Paystubs, shifts, gigs, and other time-based records are delivered from the most recent records backward.

<Frame>
  <img alt="Information that changes less frequently is delivered before historical event data." />
</Frame>

Accounts with many records, such as gig accounts, can take longer to finish syncing. Delivery speed also depends on what the connected payroll system makes available.

## Resource availability

Resource webhooks indicate when individual records become available:

* A resource `.added` event is sent when the first available record or field is delivered.
* Resource `.updated` events can continue while additional fields or records are delivered.
* Partial-synchronization events indicate that a configured amount of historical data is available.

Do not treat the first `.added` event as confirmation that every field or historical record is available.

## Readiness webhooks

| Webhook                                                                          | Meaning                                                                                                 |
| -------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------- |
| [`accounts.added`](/api-reference/accounts-webhooks/added)                       | The user submitted credentials and the account was created. It does not mean data delivery is complete. |
| [`accounts.connected`](/api-reference/accounts-webhooks/connected)               | Account authentication completed successfully.                                                          |
| [`paystubs.partially_synced`](/api-reference/paystubs-webhooks/partially-synced) | Paystubs are available through the configured history window for one account.                           |
| [`paystubs.fully_synced`](/api-reference/paystubs-webhooks/fully-synced)         | All available paystubs have been retrieved for one newly connected account.                             |
| [`users.fully_synced`](/api-reference/users-webhooks/fully-synced)               | Initial delivery completed for every newly connected payroll account attached to the user.              |

The `users.fully_synced` webhook is not sent when an existing account reconnects. Use account and resource webhooks for reconnection and ongoing-update workflows.

## Multiple accounts

Track each account separately while initial data is arriving. One account can complete, fail, or require action before another account attached to the same user.

Use the `users.fully_synced` webhook only when the workflow must wait for all newly connected payroll accounts.

## Retrieving paystubs

Set `config.days_synced` when subscribing to the `paystubs.partially_synced` webhook to specify the number of days of paystub history you need. You can create separate subscriptions for different history windows.

1. Track the IDs of successfully connected payroll accounts using the `accounts.connected` webhook or the [Accounts API](/api-reference/accounts/list-all-accounts).
2. Wait for partial or full synchronization, with a timeout appropriate for your application.
3. If the `paystubs.partially_synced` webhook arrives, retrieve paystubs using the account ID and the `available_from` / `available_to` dates in the webhook. Track the account and `days_synced` value so duplicate deliveries or different subscriptions do not count as additional accounts.
4. If the `paystubs.fully_synced` webhook arrives first, retrieve the available paystubs for that account. If the `users.fully_synced` webhook arrives first, retrieve the available records for the user's newly connected payroll accounts.
5. Check whether the returned records meet your requirements. If the timeout expires before the required data is available, offer another method, such as [Document Uploads](/workflows/document-processing).

When your workflow requires data from multiple accounts, track which accounts have returned the required window or completed retrieval. Do not use the number of webhook deliveries as the number of ready accounts.

<Note>
  Do not wait only for the `paystubs.partially_synced` webhook. It may not be sent when no paystubs are available for the requested window. If all paystubs are retrieved in one pull, the `paystubs.fully_synced` webhook is sent instead.
</Note>

A completed sync does not guarantee a particular number of paystubs or that every requested field is populated. Retrieve identities separately when your application needs employment information even if no paystubs are available.

## Example

A user connects two payroll accounts. Your application subscribes to the `accounts.connected`, `paystubs.partially_synced`, `paystubs.fully_synced`, and `users.fully_synced` webhooks.

* The first account sends the `paystubs.partially_synced` webhook for the requested window. Retrieve that account's available paystubs.
* The second account completes in one pull and sends the `paystubs.fully_synced` webhook without a partial-sync webhook. Retrieve its available paystubs and check that they meet your requirements.
* The `users.fully_synced` webhook indicates that initial delivery has finished for both newly connected accounts. Later or duplicate events should update existing records rather than create duplicates.

Continue with [Ongoing Refresh](/overview/ongoing-refresh) when your application needs new records after the initial delivery.


# Data Security
Source: https://docs.argyle.com/overview/data-security

Protect user data and control access throughout your implementation.

## User-directed access

Users direct Argyle through Link to connect selected accounts and share their data with your organization. At the user's instruction, the platform uses the credentials they provide to create the connection and deliver available information to the requested recipient.

Your application can access that data through Console or the API according to its Argyle permissions.

<Note>
  See our [Consumer Privacy Notice](https://www.argyle.com/legal/consumers/privacy-notice) and [Consumer Terms](https://www.argyle.com/legal/consumers/consumer-terms) for access, processing, sharing, retention, and deletion terms.
</Note>

## Connections and deletion

Users can remove connections through Link or Argyle Passport. They can also request help removing a connection by emailing [privacy@argyle.com](mailto:privacy@argyle.com).

When a connection is removed, data from that account is no longer available to your organization through Console or the API. Argyle's systems are designed to delete the associated employment data subject to the exceptions described in the Consumer Privacy Notice.

Your application should also delete data it no longer needs according to your own retention requirements and applicable agreements.

## Security measures

Argyle applies physical, organizational, and technical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction.

* Review Argyle's current [Security Measures](https://www.argyle.com/legal/security-measures).
* Visit the [Trust Center](https://trustcenter.argyle.com/) for security and compliance resources.

## Implementation best practices

1. Grant team members only the [Console permissions](/console/management/members) required for their role.
2. Create separate API keys for separate backend systems and environments.
3. Store API secrets outside client-side code and source control. See [API key security](/api-guide/overview#security).
4. Remove unused API keys and team access promptly.
5. Keep Link SDK installations current by following the [Upgrade Guide](/link/upgrade).
6. Subscribe to the [Changelog](https://changelog.argyle.com/) for API, SDK, and security-related product updates.


# Accounts
Source: https://docs.argyle.com/overview/data-structure/accounts

Accounts are payroll connections made through Link.

## Definition

An account represents a user's connection to an income source. It can contain records from more than one [employment](/overview/data-structure/employments). Users create accounts by finding an employer or payroll provider in Link and submitting the login credentials they use for that source.

<Frame>
  <img alt="An account represents a payroll income source connected by a user." />
</Frame>

<Note>
  The Accounts API applies to payroll connections and related Link activity. Financial accounts used for banking verifications are separate [Bank Account](/api-reference/bank-accounts) resources.
</Note>

## Standard payroll connection

1. The user searches for the employer or payroll provider that sends their income.
2. The user enters their credentials in the source-specific login screen.
3. An account record is created for the connection attempt.
4. When authentication succeeds, payroll data begins arriving in stages.

See [Link Overview](/link/overview#standard-connection-process) for the complete user experience.

## Account records

Account objects are created when a user:

* Successfully connects an employer, payroll provider, gig platform, government source, or other supported Item.
* Attempts a connection that does not complete successfully.
* Uploads a document through Link.
* Submits a response form after they cannot find their income source.

Store each account ID independently. A user can have multiple accounts with different statuses, synchronization progress, and available data.

### Connected accounts

A payroll account is connected after the user submits their credentials through Link and authentication succeeds. Data from that account is then delivered in stages.

Follow [Data Delivery and Readiness](/overview/data-delivery) before deciding which account or resource event makes your workflow ready.

### Attempted connections

An account can also represent an unsuccessful connection attempt. Use the account status and error information to determine whether the user can retry, needs to reconnect, or must choose another income source.

* See [Account Connection Errors](/api-reference/account-connection-errors).
* See [Reconnecting Accounts](/workflows/reconnecting-accounts).

## Track accounts

Subscribe to account webhooks:

| Webhook                                                            | Use                                                      |
| ------------------------------------------------------------------ | -------------------------------------------------------- |
| [`accounts.added`](/api-reference/accounts-webhooks/added)         | A user submitted credentials and an account was created. |
| [`accounts.connected`](/api-reference/accounts-webhooks/connected) | The account connection completed successfully.           |
| [`accounts.updated`](/api-reference/accounts-webhooks/updated)     | Account fields or status changed.                        |
| [`accounts.failed`](/api-reference/accounts-webhooks/failed)       | The connection attempt failed.                           |
| [`accounts.removed`](/api-reference/accounts-webhooks/removed)     | The account was removed.                                 |

Do not treat one account's status as the status for every account attached to the user.

## View and manage accounts

### Console

Open a user in [Connections](https://console.argyle.com/connections) to review their accounts, statuses, errors, and most recent synchronization information.

### API

Use the [Accounts API](/api-reference/accounts) to retrieve an account, list accounts, disable ongoing updates, or delete an account.

### Delete an account

<Warning>
  Deleting an account permanently removes the connection and its associated resources. Use [`DELETE /v2/accounts/{id}`](/api-reference/accounts/delete-an-account) only when the connection should be removed.
</Warning>


# Data Sets
Source: https://docs.argyle.com/overview/data-structure/data-sets

Payroll data and documents from connected accounts.

"Data sets" are categories of payroll information made available when a user connects an employer or payroll-provider account. Your application can retrieve the structured records through the API and download source files when the connected account provides them.

<Note>
  This data-set model applies to payroll accounts. Banking implementations should use [Banking Verifications](/verifications/verification-types/banking) and completed banking reports. [Bank Accounts](/api-reference/bank-accounts) and [Financial Institutions](/api-reference/financial-institutions) are supporting banking resources, not payroll data sets.
</Note>

<Frame>
  <img alt="Payroll data is organized into data sets such as paystubs and payroll documents." />
</Frame>

## Categories

| Category                                                    | Description                                                   | Example fields                                                       |
| ----------------------------------------------------------- | ------------------------------------------------------------- | -------------------------------------------------------------------- |
| [Identities](/api-reference/identities)                     | Person and employment identity information.                   | Name, birth date, employer, employment status, job title, hire date. |
| [Paystubs](/api-reference/paystubs)                         | Earnings for a pay period.                                    | Gross pay, deductions, taxes, net pay, hours, salary, pay frequency. |
| [Payroll Documents](/api-reference/payroll-documents)       | Metadata and source files from the connected payroll account. | Document type, file URL, description, W-2 and 1099 OCR fields.       |
| [Deposit Destinations](/api-reference/deposit-destinations) | Where and how pay is allocated.                               | Destination type, allocation type, currency.                         |
| [Shifts](/api-reference/shifts)                             | Work shifts and task periods.                                 | Start time, end time, breaks.                                        |
| [Gigs](/api-reference/gigs)                                 | Gig-work events and earnings.                                 | Tasks, income, fees, tips.                                           |
| [Vehicles](/api-reference/vehicles)                         | Work vehicle information.                                     | Make, model, VIN, type, year.                                        |
| [Ratings](/api-reference/ratings)                           | Gig-platform ratings and achievements.                        | Average rating, acceptance rate, on-time rate.                       |

Follow each category link for its complete fields and endpoint examples.

## Matching employments

Use the `employment` field to match identities, paystubs, and payroll documents for the same employment. Employer names can differ between these records, and one account can contain records from more than one job.

See [Employments](/overview/data-structure/employments) for matching records, filtering requests, and handling unmatched paystubs.

## Field availability

Field support varies by Item and by the information present in the user's account.

* In Console, select an Item in [Coverage](https://console.argyle.com/coverage) and review its field availability.
* In the API, [retrieve the Item](/api-reference/items/retrieve-an-item) and inspect `field_coverage`.

A supported field can still be empty when the connected account contains no value for that user. For example, an Item may support profile images even when a specific user has not added one.

## Delivery timing

Resource objects arrive and update in stages. Use the corresponding resource webhooks and follow [Data Delivery and Readiness](/overview/data-delivery) before treating a data set as complete for your workflow.


# Employments
Source: https://docs.argyle.com/overview/data-structure/employments

Match payroll records to the same employment.

## Definition

An employment represents a job associated with a connected payroll account. One account can contain data from more than one employment.

A [user](/overview/data-structure/users) represents the person sharing information. An [account](/overview/data-structure/accounts) represents their connection to an income source. Employments identify the jobs associated with that connection.

For example, a user may have worked for two employers that use the same payroll provider. After an account is connected, paystubs may be available from both employers, even when the identity information only describes one job.

## Matching records

The `employment` field is available on [Identities](/api-reference/identities), [Paystubs](/api-reference/paystubs), and [Payroll Documents](/api-reference/payroll-documents). Records with the same employment ID belong to the same employment.

Employer names can differ between records for the same job. Use the employment ID to match them:

| Record   | Employer                     | `employment`                           |
| -------- | ---------------------------- | -------------------------------------- |
| Identity | Bob's Donuts                 | `0183d52a-d3b2-331d-c753-3662a20e352b` |
| Paystub  | Bob's Donuts Associates, LLC | `0183d52a-d3b2-331d-c753-3662a20e352b` |
| Paystub  | Suzy's Cupcakes              | `null`                                 |

In this example, the identity's employment status applies to Bob's Donuts. It should not be applied to the unmatched Suzy's Cupcakes paystub.

<Note>
  Paystubs and payroll documents can have a `null` employment when they cannot be matched to an employment. These records can still contain useful information. A shared `null` value does not mean that records belong to the same employment.
</Note>

Employment IDs are also used when an account contains only one employment. They are not supported as filters for other data sets, such as Gigs or Shifts.

## Retrieve all records, then match

Use this approach when you need all available records, including paystubs that are not matched to an employment.

1. Retrieve identities, paystubs, and payroll documents using the `user` or `account` filter. Follow pagination to retrieve all available records.
2. Store the `employment` value with each record.
3. Match records with the same non-null employment ID. Keep unmatched records available for separate review or processing.

You do not need to call the Employments endpoint for this approach.

## Retrieve records for an employment

Use this approach when you only need records associated with a specific employment.

1. [List employments](/api-reference/employments/list-all-employments) for the user or account.
2. Use the returned employment `id` as the `employment` filter when listing identities, paystubs, or payroll documents.

```text theme={}
GET /v2/employments?account=0187c66e-e7e5-811c-b006-2232f00f426a
GET /v2/identities?employment=0183d52a-d3b2-331d-c753-3662a20e352b
GET /v2/paystubs?employment=0183d52a-d3b2-331d-c753-3662a20e352b
GET /v2/payroll-documents?employment=0183d52a-d3b2-331d-c753-3662a20e352b
```

<Note>
  Filtering by employment excludes unmatched records. If your application needs the applicant's full available income history, retrieve all records and match them afterward.
</Note>

Both approaches use the same [data delivery webhooks](/overview/data-delivery). An account connection alone does not mean its identities, paystubs, or payroll documents are ready.

See the [Employments API Reference](/api-reference/employments) for the complete object and its fields.

## Testing

A payroll account may contain paystubs from multiple jobs. Use the custom test user below to test this mixed-employment scenario in Sandbox and retrieve the paystubs for the job associated with the connected account.

1. Open a Flow in Console with Sandbox mode enabled, or initialize embedded Link with `sandbox: true`. See [Sandbox Testing](/overview/sandbox-testing#connect-sample-users).
2. In Link, select an Item that supports mixed employments testing, such as **ADP**.
3. Enter username `test_1` and the password below. If prompted for a verification code, enter `8081`.

```text Password theme={}
eyJzdGF0aWNfZGF0YV9zZXRfaWQiOiAiNGY4NjY3YjEtMGYyNS00Mzg2LTkzYTUtYWIyOGY3MTM5OGE1IiwgImluaXRpYWxfc2Nhbl9kZWxheV9pbl9zZWNvbmRzIjogMCwgInNraXBfZnVsbHlfc3luY2VkIjogZmFsc2V9
```

After [data delivery](/overview/data-delivery) completes, use your Sandbox API credentials to:

1. Retrieve the account's [identity information](/api-reference/identities) to identify the job and read its `employment` ID.
2. Use that ID as the `employment` filter when [listing paystubs](/api-reference/paystubs/list-all-paystubs). The returned paystubs will have the same employment ID as the identity.

```text theme={}
GET https://api-sandbox.argyle.com/v2/identities?account=ACCOUNT_ID
GET https://api-sandbox.argyle.com/v2/paystubs?employment=EMPLOYMENT_ID
```

Paystubs from other jobs will have `employment: null` and are excluded by this filter. To retrieve all of the account's paystubs, including those from other jobs, query by account instead:

```text theme={}
GET https://api-sandbox.argyle.com/v2/paystubs?account=ACCOUNT_ID
```

Follow pagination and confirm that your application:

* Matches paystubs with the same non-null employment ID as the identity.
* Retains paystubs with `employment: null` without applying the identity's employment status to them.
* Excludes unmatched paystubs only when you intentionally use the `employment` filter.


# Items
Source: https://docs.argyle.com/overview/data-structure/items

Items are the employers or payroll platforms available in Link.

## Definition

"Items" are the searchable employers and payroll platforms in Link through which payroll accounts are connected.

<Frame>
  <img alt="What Items are in Argyle terminology." />
</Frame>

A full list of supported Items can be viewed in the <a href="https://console.argyle.com/coverage">Coverage</a> section of Console. You can also subscribe to our [Changelog](https://changelog.argyle.com/) for ongoing updates on Argyle's coverage expansion.

## Types of Items

There are four different types of Items, representing where payroll information is ultimately sourced.

| Type                | Description                                                                                                   |
| ------------------- | ------------------------------------------------------------------------------------------------------------- |
| Employers           | Individual employers that have an in-house payroll system or internal log-in process to a third party system. |
| Gig platforms       | Gig economy platforms, which typically have an in-house payment system.                                       |
| Payroll providers   | Payroll providers are third party systems that provide payroll services to multiple employers.                |
| Government benefits | Government platforms, typically related to social security or veteran income.                                 |

### Note: there are two types of payroll providers shown in Link:

<Accordion title="Note: there are two types of payroll providers shown in Link:">
  1. Payroll providers that the user connects to directly by entering login credentials specific to the payroll provider.
  2. Payroll providers that act as a **Grouping**. When this type of payroll provider is selected, the user is shown a list of employers that use this payroll provider. The user chooses the appropriate employer and proceeds to a login screen that is specific to the employer—payroll-provider combination.
</Accordion>

## Individual Item information

<div />

### Health status

Items that currently support new connections with no known issues are considered `healthy`. If the connection process or [ongoing refresh](/overview/ongoing-refresh) is not available or partially degraded, the Item is tagged as `unavailable` or having `issues`.

You can view each Item's health status by searching for the Item in the <a href="https://console.argyle.com/coverage">Coverage</a> section of Console and checking the **status** column, or [retrieve the Item](/api-reference/items#retrieve) via the API and check the [`status`](/api-reference/items#object-status) property. Subscribing to the [`items.updated`](/api-reference/items-webhooks/updated) webhook [via Console](/console/management/webhooks#subscribing-to-webhooks) or [via the API](/api-guide/webhooks#subscribing-to-webhooks) will also notify you when an Item's health status changes.

### Data fields returned

While essential payroll data can be retrieved from most Item connections, some data fields are not supported by all Items. For example, a non-gig platform may not contain vehicle data.

To check which data fields are available on an Item by Item basis:

* Console — search for and select an individual Item in the <a href="https://console.argyle.com/coverage">Coverage</a> section of Console, and expand the relevant data category within the **Field availability** area.
* API — [retrieve the Item](/api-reference/items#retrieve) and check the [`field_coverage`](/api-reference/items#object-features-field_coverage) object to see if an individual data field is `supported`.

#### Example

To see if an Item supports the `job_title` field from the [Identities](/api-reference/identities#object) data set.

1. [Retrieve the Item](/api-reference/items#retrieve) via the API using its ID.
2. Search the response, in this case by `job_title`, and check if the desired field is `supported`.

```json theme={}
"field_coverage": {
    "identities": {
        "job_title": {
            "supported": true
        }
    }
}
```

### Data refresh frequency

How often an Item is re-scanned to check for new data, which is used to update all accounts that were connected through the Item in Link, is returned in the [`refresh_frequency`](/api-reference/items#object-features-data_retrieval-refresh_frequency) field when [retrieving an Item](/api-reference/items#retrieve) by its ID via the API.

See our [Ongoing Refresh Guide](/overview/ongoing-refresh) for more information.

### Mapping status

Items are classified into three mapping statuses, which represent the Item's previous connection history:

* `verified` — The payroll system associated with the Item is known, and the Item has previously experienced a successful connection that returned paystub data.
* `mapped` — The payroll system associated with the Item is known, but the Item is awaiting a successful connection.
* `unmapped` — The payroll system associated with this Item is not yet known.

<Note>
  If an `unmapped` Item is selected in Link, the user will be given the option to search for the relevant payroll system and attempt to connect using their login credentials.
</Note>

An Item's mapping status can be retrieved by filtering or selecting an individual Item or within the <a href="https://console.argyle.com/coverage">Coverage</a> section of Console, or via the API using the [Items endpoint](/api-reference/items#object-mapping_status). You can choose which Items to show in Link search based on their mapping status when customizing a Flow <a href="https://console.argyle.com/flows">in Console</a> by using the **Display income sources based on mapping status** toggle within the **Search and connect** tab.

### Data limits and obfuscations

Items with specific constraints, such as historical data limits or obscured values, are documented in:

* Console — search for and select an individual Item in the <a href="https://console.argyle.com/coverage">Coverage</a> section of Console. A **known limitations** area will be present only when the Item has data limitations.
* API — [retrieve the Item](/api-reference/items#retrieve) and check the [`known_limitations`](/api-reference/items#object-known_limitations) property.

## Creating Item filters

Using the API's [`/item-filters`](/api-reference/item-filters#create) endpoint, you can create custom filters to search for Items that support specific requirements:

1. Create an [Item filter](/api-reference/item-filters).
2. Add `supported` filters for your desired fields.
3. When [listing Items](/api-reference/items#list), use the Item filter ID as a query parameter.


# Reports
Source: https://docs.argyle.com/overview/data-structure/reports

Verification results available as PDF and JSON.

Reports package the income, employment, or asset information users share through a report-based verification workflow.

<Frame>
  <img alt="Payroll data can be packaged into income and employment verification reports." />
</Frame>

The diagram above illustrates payroll reports. Verifications also supports banking, Doc VOI, and government report types.

## Report types

| Data source | Report types                                                                                                                      |
| ----------- | --------------------------------------------------------------------------------------------------------------------------------- |
| Payroll     | `voie` — income and employment<br />`voe` — employment                                                                            |
| Banking     | `voa` — assets<br />`voi` — income<br />`voai` — assets and income<br />`voe-transactions` — employment based on transaction data |
| Documents   | `doc-voi-mortgage` — mortgage income from uploaded documents                                                                      |
| Government  | `voie-government` — government income                                                                                             |

Review [Reports and Source Documents](/verifications/reports-and-source-documents) for example PDFs and JSON.

## Generate reports through Verifications

The [Verifications API](/verifications/overview) supports all current report types and is recommended for new report-based implementations.

1. Create or reuse a user.
2. Order a verification with the required `report.type`.
3. Complete the required account-connection or document steps.
4. Listen for the `verifications.updated` webhook.
5. Retrieve the report when the verification reaches `completed` or `completed_with_errors`.

See the [Verifications Quickstart](/verifications/quickstart).

## Generate payroll reports in Console

Console-only implementations can generate supported payroll reports without using the API:

1. Open the user in the <a href="https://console.argyle.com/connections">Connections</a> section after their payroll data is available.
2. Select **Generate report** in the Reports area.

<Frame>
  <img alt="Generate a payroll report from a user's page in Console." />
</Frame>

3. Select the payroll report type and generate the report.

<Frame>
  <img alt="Select a payroll report type in Console." />
</Frame>

Banking and Doc VOI reports cannot currently be generated in Console. Use the Verifications API or a supported integration to order them. Completed reports can be viewed and downloaded in Console when available.

## Classic Reports API

The classic [`/v2/reports/{type}`](/api-reference/reports) workflow supports only a subset of payroll report types and remains available for existing integrations.

Use the [`reports.ready`](/api-reference/reports-webhooks/ready) webhook to determine when sufficient payroll data is available before generating a classic report. Use the [`reports.generated`](/api-reference/reports-webhooks/generated) webhook to track asynchronous report generation.

<Info>
  The classic Reports API remains available for existing payroll integrations. For new report-based implementations, start with Verifications.
</Info>

## Retrieve report files

Verification resources provide `report.file_url` and `report.json_url` when the report is ready. Classic report objects provide the corresponding report URLs for their supported types.

Requests to report file URLs require [Argyle authentication headers](/api-guide/overview#authentication).

## GSE validation

Payroll and Doc VOI reports can support Day 1 Certainty® and AIM workflows when the required product and configuration are enabled. See [Day 1 Certainty® and AIM](/integrations/d1c-aim/verifications).


# Users
Source: https://docs.argyle.com/overview/data-structure/users

One person across every Argyle workflow.

## Definition

A user is Argyle's record for the person sharing accounts, data, or documents with your organization. Keep the same user ID across payroll, banking, document, and verification workflows.

<Frame>
  <img alt="A user can connect multiple payroll accounts, share payroll data sets, and receive verification reports." />
</Frame>

<Note>
  The diagram above illustrates the payroll data structure. Banking verifications use the same user, but financial-account connections are not represented by the Accounts API or payroll data sets.
</Note>

The same user can:

* Complete one or more verification orders.
* Connect multiple payroll accounts through Link.
* Connect a financial account for a banking verification.
* Have documents uploaded through the API or upload them through Link.
* Return later to reconnect an account or complete a new verification.

Store the Argyle user `id` with your internal person or application record.

## Create a user

Use [`POST /v2/users`](/api-reference/users/create-a-user) to create a user from your backend.

The required person details depend on the workflow. For example, banking and Doc VOI require additional identity fields that a payroll verification may not require. Follow the relevant [Verifications](/verifications/overview) or [Data APIs](/data-apis/overview) guide before choosing the request fields.

## Returning users

Reuse the existing user ID when the same person returns.

* For a new verification, create another verification for the existing user.
* For an active verification with an expired session link, create another session for the existing verification.
* For a direct-data workflow, create a new user token before launching Link again.
* For an account that requires reauthentication, follow [Reconnecting Accounts](/workflows/reconnecting-accounts).

<Note>
  Creating another user for the same person separates their accounts, documents, and verifications across multiple user records.
</Note>

## External identifiers

Use `external_id` to associate the Argyle user with your own identifier, such as an application or member ID.

```json theme={}
{
  "first_name": "Jane",
  "last_name": "Doe",
  "external_id": "application-319"
}
```

External IDs are metadata for your mapping. They do not replace the Argyle user ID and should not be used as the only deduplication mechanism.

<Frame>
  <img alt="An external ID associates an Argyle user with an identifier from your system." />
</Frame>

## View and manage users

### Console

Use the [Connections](https://console.argyle.com/connections) area to search for users, review associated accounts and data, and manage available actions.

### API

Use the [Users API](/api-reference/users) to create, retrieve, update, list, or delete users.

### Delete a user

<Warning>
  Deleting a user is permanent and removes the resources associated with that user. Confirm your retention and deletion requirements before calling [`DELETE /v2/users/{id}`](/api-reference/users/delete-a-user).
</Warning>


# How Argyle Works
Source: https://docs.argyle.com/overview/how-argyle-works

Argyle helps consumers share income and employment data straight from the source.

Consumers direct Argyle to share income and employment information from their payroll accounts, financial accounts, or documents. Your organization can request a completed verification report or retrieve payroll records directly.

## Choose how to build

<CardGroup>
  <Card title="Verifications" icon="badge-check" href="/verifications/overview">
    Request income, employment, or asset information through one workflow and receive a completed report.
  </Card>

  <Card title="Data APIs" icon="code" href="/data-apis/overview">
    Let users connect payroll accounts, then retrieve the payroll records your application needs.
  </Card>
</CardGroup>

## How information is shared

* **Payroll:** Users connect their employer or payroll-provider accounts through [Link](/link/overview).
* **Banking:** Users connect financial accounts during the verification process.
* **Documents:** Documents can be uploaded directly through the API or collected from users in Link.

A [user](/overview/data-structure/users) represents the person sharing information across these paths. [Console](/console/overview) is where you configure, test, and manage Argyle. The [API Reference](/api-reference/overview) contains endpoint definitions, schemas, webhooks, and errors.

## Verifications

Use Verifications when you want one order lifecycle and a completed report for payroll, banking, or Doc VOI.

A typical implementation creates a user, orders a verification, starts an embedded or invite session when user action is required, listens for lifecycle updates, and retrieves the completed report.

<Frame>
  <img alt="Payroll data is made available through Argyle Console, the Argyle API, or Argyle PDF reports." />
</Frame>

[Start with Verifications](/verifications/overview).

## Payroll Data APIs

Use the Data APIs when your application needs the underlying payroll records for a custom or existing workflow. Banking implementations use Verifications instead.

Users connect their payroll accounts through Link. Your application tracks account and synchronization events, then retrieves the required identities, paystubs, payroll documents, gigs, shifts, vehicles, ratings, and other available resources.

<Frame>
  <img alt="Link is where users connect their accounts through Argyle." />
</Frame>

[Explore the Data APIs](/data-apis/overview).

## Verticals

Verticals bring together the products, data, and workflows required for a specific industry or program. A vertical can use Verifications, Data APIs, or both.

[Explore Verticals](/verticals).

## Document uploads

Documents can be uploaded directly through the API or collected from users in Link. Supported documents include W-2s, 1099s, paystubs, proof of identity, proof of address, and other files.

Doc VOI is a mortgage verification that uses uploaded paystubs and year-end income documents to produce an income report when a direct payroll connection is not used. Other document uploads can support standalone OCR, authenticity, or document-processing workflows.

<Frame>
  <img alt="Link supports directly uploading documents such as paystubs, W-2s, and 1099s as well as proof of identity, proof of address, and a miscellaneous category of documents." />
</Frame>

* For Doc VOI, visit the [Doc VOI guide](/verifications/verification-types/document-voi).
* For standalone uploads, OCR, and authenticity, visit [Document Uploads](/workflows/document-processing).

## Start in Console

[Sign up](https://console.argyle.com/sign-up) for an account to test in Sandbox, preview Link, create API keys, configure webhooks, and invite team members. When you are ready to build, continue with the [Verifications](/verifications/overview) or [Data APIs](/data-apis/overview) path.


# Ongoing Refresh
Source: https://docs.argyle.com/overview/ongoing-refresh

Receive new payroll data from active connections.

After the initial delivery, an active payroll connection can continue providing new records, such as paystubs and payroll documents, at the user's direction.

<Note>
  This page applies to payroll Data API workflows. For an updated banking report, use [Re-verification](/verifications/re-verification).
</Note>

## Connection state

Ongoing refresh continues for as long as the connected payroll system allows the connection to remain active.

Some payroll systems require the user to reauthenticate periodically. Existing data remains available after a disconnection, but new records stop arriving until the user completes the required [reconnection](/workflows/reconnecting-accounts).

## Item support

Support and known constraints can vary by Item.

* In Console, select the Item in [Coverage](https://console.argyle.com/coverage).
* In the API, [retrieve the Item](/api-reference/items/retrieve-an-item) and inspect `known_limitations`.

<Frame>
  <img alt="Check ongoing refresh support in Console or the Items API." />
</Frame>

## Refresh frequency

The refresh schedule depends on the Item and how its payroll system publishes new information.

Use the Item's `features.data_retrieval.refresh_frequency` value for the current documented interval instead of assuming one schedule for every connected account.

## Monitor new data

Subscribe to the resource events your application uses:

* `.added` for newly available records.
* `.updated` when an existing record changes.
* `.removed` when the resource supports removal events.

Subscribe to the [`accounts.updated`](/api-reference/accounts-webhooks/updated) webhook to track account-status and synchronization changes. If the account enters an error state, inspect the current error code and follow [Reconnecting Accounts](/workflows/reconnecting-accounts).

## Simulate a refresh

Sandbox can simulate new data appearing after the initial connection. See [Simulate a data refresh](/overview/sandbox-testing#simulate-a-data-refresh).


# Sandbox Testing
Source: https://docs.argyle.com/overview/sandbox-testing

Explore the Sandbox environment.

This page covers the shared Sandbox tools for payroll connections and Data API workflows: sample users, data retrieval, simulated updates, and connection errors. For report-based payroll, banking, and Doc VOI scenarios, continue to [Verification Testing](/verifications/testing).

## Connect sample users

To begin testing with sample data, connect sample users using the login credentials below through either:

* <a href="https://console.argyle.com/flows">Flows</a> in Console (*make sure Console's Sandbox mode toggle is enabled*) after selecting a demo or custom [Flow](/console/flows/embedded-experiences).
* Embedded Link, with the `sandbox` parameter set to `true` in your [Link initialization](/link/initialization).

|                    | Bob                           | Sarah                         | Joe\*                         |
| ------------------ | ----------------------------- | ----------------------------- | ----------------------------- |
| Email              | test1<span>@</span>argyle.com | test2<span>@</span>argyle.com | test3<span>@</span>argyle.com |
| Username           | test\_1                       | test\_2                       | test\_3                       |
| Password           | passgood                      | passgood                      | passgood                      |
| Verification code  | 8081                          | 8082                          | 8083                          |
| Phone number       | (800) 900-0010                | (800) 900-0020                | (800) 900-0030                |
| Driver's license # | D1230010                      | D1230020                      | D1230030                      |

\* *Joe returns multiple [employments](/api-reference/employments) when connected to specific Items.*

<Note>
  Sample users are deleted after 60 days.
</Note>

## Retrieve sample data

#### Console

With the Sandbox mode toggle in Console enabled, navigate to the <a href="https://console.argyle.com/connections">Connections</a> section of Console and select an individual sample user to view sample data.

#### API

Authorize requests using your Sandbox API key and secret, which can be found or created in the <a href="https://console.argyle.com/api-keys">Developers</a> section of Console, and make requests using the Sandbox environment's `https://api-sandbox.argyle.com/v2` base URL.

## Simulate a data refresh

To simulate new data being added after an account's data is refreshed:

1. Send a POST request with an empty body to `https://api-sandbox.argyle.com/v2/accounts/{acc-id}/periodic-scan`
2. Replace the `{acc-id}` path variable with the [account ID](/api-reference/accounts) of an already-connected sample user.

If successful, the request returns an empty object and 1-5 new paystubs and gig events are added to the sample account.

<Note>
  Simulated data refreshes are often used for webhook testing.
</Note>

## Update sample data

The same endpoint used for simulating data refreshes in Sandbox can also be used to update a user's [identity information](/api-reference/identities):

1. Send a POST request to `https://api-sandbox.argyle.com/v2/accounts/{acc-id}/periodic-scan`
2. Replace the `{acc-id}` path variable with the [account ID](/api-reference/accounts) of an already-connected sample user.
3. In the request body, include a JSON object with the updated identity values you want to be overwritten in the format shown in the example below:

* Most identities fields can be overwritten with the exception of `id`, `account`, `picture_url`, `employer`, `created_at`, `updated_at`, and `metadata`.
* Only possible values for **(enum)** identity fields are accepted.
  ```json theme={}
  {
      "data": {
          "identities": {
              "address": {
                  "city": "Sydney",
                  "line1": "P Sherman",
                  "line2": "42",
                  "state": "Wallaby Way",
                  "country": "Australia",
                  "postal_code": "0872"
              },
              "first_name": "Finding",
              "last_name": "Nemo",
              "full_name": "Finding Nemo",
              "birth_date": "2003-05-30",
              "email": "dory@email.com",
              "phone_number": "+12127777777",
              "employment_status": "terminated",
              "employment_type": "part-time",
              "job_title": "Explorer",
              "ssn": "553-983-2311",
              "marital_status": "Single",
              "gender": "Female",
              "original_hire_date": "2020-01-03",
              "hire_date": "2021-04-13",
              "termination_date": "2023-09-22",
              "termination_reason": "Forgetfulness",
              "base_pay": {
                  "amount": "92050",
                  "period": "annual",
                  "currency": "USD"
              },
              "pay_cycle": "monthly",
              "platform_ids": {
                  "employee_id": "OB238HDW5",
                  "position_id": "6ELL4O7PM",
                  "platform_user_id": "JLH7B9V6O6YGN9O7"
              }
          }
      }
  }
  ```

<Note>
  Updating identities information is often used to test or explore how your system reacts to identity-related events such as a user's [`employment_status`](/api-reference/identities#object-employment_status) updating from `active` to `terminated`.
</Note>

When a user's identities data changes, the `identities.updated` [webhook](/api-reference/identities-webhooks/updated) is sent.

## Simulate errors in Console

1. Navigate to <a href="https://console.argyle.com/flows">Flows</a> when Console is in Sandbox mode.
2. Select a demo Flow, and the option to "Simulate an error" will appear next to the sample user's test email.
3. Choose an error, and "Click to copy" the special test password. Use this password when connecting a payroll account for the sample user to simulate the error.

## Simulate errors via the API

1. Send a POST request to `https://api-sandbox.argyle.com/v2/test-password/encode`, and include a JSON object in the request body specific to the error type:

<Tabs>
  <Tab title="Account connection errors">
    * [Account connection errors](/api-reference/account-connection-errors) occur immediately after submitting sample user login credentials.
    * The `invalid_mfa` error can be tested by entering an incorrect code, and `mfa_timeout` will occur after ten minutes.
    * For the `auth_required` error, switch to the **Disconnection errors** tab.

      ```json theme={}
      {
          "failure": {
              "fail_on": "connection",     
              "error": "<Name of the Error>" // Any account connection error.
          }
      }
      ```
  </Tab>

  <Tab title="Disconnection errors">
    * You must [simulate a data refresh](/overview/sandbox-testing#simulate-a-data-refresh) after you have connected a sample user with the `test_password` sent in the response in order to trigger the disconnection error.

      ```json theme={}
      {
          "failure": {
              "fail_on": "rescan",     
              "error": "auth_required" // Only value accepted.
          }
      }
      ```
  </Tab>
</Tabs>

2. Once the POST request is sent, you will receive a `test_password` in the response:

   ```json theme={}
   // *Example value
   {
       "test_password": "eyJmYWlsdXJlIjogeyJmYWlsX29uIjogImNvbm5lY3Rpb24iLCAiZXJyb3IiOiAiYWNjb3VudF9kaXNhYmxlZCJ9fQ=="
   }
   ```

3. Use this `test_password` as the password login credential when connecting a sample user to trigger the error.

<Frame>
  <img alt="Use the test password when connecting a sample user to trigger the error." />
</Frame>

## Sandbox limitations

Billing features such as receipts, invoices, and billing CSVs are not supported in Sandbox and can only be generated in Production.


# Build with Argyle
Source: https://docs.argyle.com/partners

Implement payroll, banking, and Doc VOI through the Partner API.

Use the Partner API when your platform runs verifications for your customers. Each customer needs a `client` ID in Argyle so their users and verifications are associated with the correct organization.

<CardGroup>
  <Card title="Partner guides" icon="book-open" href="/verifications/platform-partners">
    Set up your integration, create users, and follow the verification lifecycle.
  </Card>

  <Card title="API Reference" icon="code" href="/partners/api-reference">
    Find partner endpoints, request examples, webhooks, data sets, and receipts.
  </Card>
</CardGroup>

<div />

## Get started

1. Obtain your partner API credentials and the customer's `client` ID from Argyle.
2. Follow the [Partner Quickstart](/partners/quickstart) to create a user and order a verification in Sandbox.
3. Use the [test profiles](/partners/testing) to check payroll, banking, and document workflows.

If your organization is implementing Argyle for its own workflow, turn off **Partner mode**.


# Partner API Reference
Source: https://docs.argyle.com/partners/api-reference

Find partner endpoints, examples, and webhooks.

Use `/partners/v2` when your platform runs verifications for your customers. Each customer needs a `client` ID in Argyle. Start with the [Partner Quickstart](/partners/quickstart) for implementation steps.

<CardGroup>
  <Card title="Users" icon="user" href="/api-reference/partners-verifications/create-a-user">
    Create users with the customer's client ID and update their details.
  </Card>

  <Card title="Verifications" icon="badge-check" href="/api-reference/partners-verifications/order-a-verification">
    Order, retrieve, refresh, update, or cancel verifications and create sessions.
  </Card>

  <Card title="Document uploads" icon="file-lines" href="/api-reference/partners-verifications/upload-a-document">
    Upload files for a customer's document verification.
  </Card>

  <Card title="Webhooks" icon="bell" href="/api-reference/partners-webhooks/updated">
    Track verification changes and manage partner webhook subscriptions.
  </Card>

  <Card title="Data Sets" icon="database" href="/api-reference/partners-data-sets/list-all-accounts">
    Retrieve accounts, paystubs, and payroll documents associated with supported verifications.
  </Card>

  <Card title="Receipts" icon="receipt" href="/api-reference/partners-receipts">
    Retrieve receipts when enabled for your integration.
  </Card>
</CardGroup>


# Verifications
Source: https://docs.argyle.com/partners/overview

Order payroll, banking, and Doc VOI reports through one lifecycle.

A verification is an order for a report. You select the report type, then users connect their payroll or financial accounts, or documents are uploaded directly through the API or collected in Link. The result is a PDF and, when supported, JSON.

## Verification types

<CardGroup>
  <Card title="Payroll" icon="money-check-dollar" href="/partners/verification-types/payroll">
    Generate income and employment reports from connected payroll accounts.
  </Card>

  <Card title="Banking" icon="building-columns" href="/partners/verification-types/banking">
    Generate asset, income, and transaction reports from connected financial accounts.
  </Card>

  <Card title="Doc VOI" icon="file-lines" href="/partners/verification-types/document-voi">
    Generate mortgage income reports from uploaded payroll documents.
  </Card>
</CardGroup>

## Workflow

<Steps>
  <Step title="Create or reuse a user">
    Reuse the person's existing user ID across payroll, banking, and document workflows, or create a user if needed. Update any missing details required by the next product before ordering its verification.
  </Step>

  <Step title="Order a verification">
    Select the report type and provide any type-specific configuration.
  </Step>

  <Step title="Start a session">
    Launch an embedded session or send an invite when the verification requires user action.
  </Step>

  <Step title="Track lifecycle updates">
    Subscribe to the `verifications.updated` webhook and use the verification status to determine the next action.
  </Step>

  <Step title="Retrieve the result">
    Download the completed report PDF or JSON from the URLs in the verification resource.
  </Step>
</Steps>

[Follow the Quickstart](/partners/quickstart).

## Continue implementing

<CardGroup>
  <Card title="Verification Statuses" icon="arrows-rotate" href="/partners/verification-statuses">
    Track status changes and retrieve completed results.
  </Card>

  <Card title="Reports and Source Documents" icon="file-pdf" href="/partners/reports-and-source-documents">
    View report examples and retrieve available paystubs, tax forms, or uploaded files.
  </Card>

  <Card title="Re-verification" icon="rotate" href="/partners/re-verification">
    Refresh connected data or submit updated Doc VOI files.
  </Card>

  <Card title="Recovery and Errors" icon="triangle-exclamation" href="/partners/recovery-and-errors">
    Resume incomplete sessions and correct invalid user details.
  </Card>

  <Card title="Testing" icon="flask" href="/partners/testing">
    Use payroll, banking, and Doc VOI test profiles.
  </Card>
</CardGroup>


# Partner Quickstart
Source: https://docs.argyle.com/partners/quickstart

Build your first verification workflow.

A verification follows five steps:

1. Create or reuse a user.
2. Order a verification.
3. Start a session when the user needs to connect an account.
4. Listen for verification status changes.
5. Retrieve the completed report.

This Quickstart uses a payroll `voie` verification as the example. The same lifecycle applies to the other [verification types](/partners/overview#verification-types).

## Before you begin

* Use the Sandbox API credentials for your partner integration.
* Use the Sandbox base URL: `https://api-sandbox.argyle.com/partners/v2`.
* Send API requests from your backend using [HTTP basic authentication](/verifications/platform-partners#authentication).
* Set up [partner webhook handling](/verifications/platform-partners#webhooks), then subscribe to the [`verifications.updated`](/api-reference/partners-webhooks/updated) webhook before testing the complete workflow.

## Create or reuse a user

Your Argyle Customer Success Manager will provide a `client` ID for each customer. Include it when creating the user so their records are associated with the correct customer. The `client` identifies the organization, not the person sharing information.

If the person already has an Argyle user for the same customer, reuse that user ID across payroll, banking, and document workflows. Otherwise, [create a user](/api-reference/partners-verifications/create-a-user) and store the returned ID with your internal record.

Before adding another product, [update the existing user](/api-reference/partners-verifications/update-a-user) with any missing details required by that product. Use the same user ID when ordering the verification.

Required user details depend on the verification type:

| Field          | Payroll      | Banking                                    | Doc VOI      |
| -------------- | ------------ | ------------------------------------------ | ------------ |
| `first_name`   | Required     | Required                                   | Required     |
| `last_name`    | Required     | Required                                   | Required     |
| `ssn`          | Not required | Required if `birth_date` is not provided   | Required     |
| `birth_date`   | Not required | Required if `ssn` is not provided          | Not required |
| `address`      | Not required | Required                                   | Not required |
| `email`        | Not required | Required if `phone_number` is not provided | Not required |
| `phone_number` | Not required | Required if `email` is not provided        | Not required |

```json theme={}
{
  "client": "39096494-45c8-4fd8-9454-3d1cb2d62db7",
  "external_metadata": {
    "suppress_verification": true
  },
  "first_name": "Jane",
  "last_name": "Doe",
  "ssn": "000-00-0000",
  "email": "jane@example.com",
  "phone_number": "+15555555555",
  "address": {
    "city": "New York",
    "line1": "123 Main St",
    "line2": null,
    "state": "NY",
    "country": "US",
    "postal_code": "10001"
  },
  "birth_date": {
    "year": 1990,
    "month": 1,
    "day": 13
  }
}
```

Store the returned user `id`. The user ID is required when ordering the verification.

<Note>
  Set `external_metadata.suppress_verification` to `true` to prevent an automatic payroll verification when creating the user. Then explicitly order the verification you need.
</Note>

## Order a verification

Use [`POST /partners/v2/verifications`](/api-reference/partners-verifications/order-a-verification). Set `report.type` to the required report type.

```jsonc theme={}
{
  "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
  "configuration": {
    "notified_recipients": [
      "john.doe@mortgage.com"
    ]
  },
  "report": {
    "type": "voie"
  },
  "loan": {      // Optional
    "number": "1234",
    "borrower_id": "ABC789",
    "application_id": "2121313",
    "officer_email": "john.doe@mortgage.com"
  },
  "billing": {      // Optional
    "cost_center": "5"
  }
}
```

Store the returned verification `id`. Use the type-specific guides for additional request fields and examples:

* [Payroll](/partners/verification-types/payroll)
* [Banking](/partners/verification-types/banking)
* [Doc VOI](/partners/verification-types/document-voi)

## Create a session

Payroll and banking verifications require a session when the user needs to connect an account. Doc VOI uses [document uploads](/partners/verification-types/document-voi#upload-documents) instead.

The verification must be active. An active verification is not completed or cancelled.

### Embedded session

Use [`POST /partners/v2/sessions`](/api-reference/partners-verifications/create-a-session) with the verification ID. Session links expire after one hour. Create another session for the same active verification when a new link is required.

The session request depends on whether the user is connecting a payroll or financial account.

<AccordionGroup>
  <Accordion title="Payroll request: POST /partners/v2/sessions">
    ```json theme={}
    {
      "verification": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
      "configuration": {
        "redirect_url": "https://your-application.com/return",
        "flow_id": "12ABCD3E",
        "language": "EN",
        "mobile_app": true
      }
    }
    ```
  </Accordion>

  <Accordion title="Banking request: POST /partners/v2/sessions">
    ```json theme={}
    {
      "verification": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
      "configuration": {
        "experience": "97f1eccb-241d-4052-8409-fab2dcc489b",
        "single_use_url": false,
        "redirect_url": "https://your-application.com/return"
      }
    }
    ```
  </Accordion>

  <Accordion title="Payroll response">
    ```json theme={}
    {
      "verification": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
      "configuration": {
        "experience": null,
        "single_use_url": false,
        "redirect_url": "https://your-application.com/return",
        "flow_id": "12ABCD3E",
        "language": "EN",
        "mobile_app": true
      },
      "link": "https://connect.argyle.com/?...",
      "data_source": "payroll"
    }
    ```
  </Accordion>

  <Accordion title="Banking response">
    ```json theme={}
    {
      "verification": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
      "configuration": {
        "experience": "97f1eccb-241d-4052-8409-fab2dcc489b",
        "single_use_url": false,
        "redirect_url": "https://your-application.com/return"
      },
      "link": "https://connect2.finicity.com?...",
      "data_source": "banking"
    }
    ```
  </Accordion>
</AccordionGroup>

See the [Create a Session endpoint](/api-reference/partners-verifications/create-a-session) for every available request field.

### Invites

To send the user an email, text message, or both, create an invite session with [`POST /partners/v2/sessions`](/api-reference/partners-verifications/create-a-session) and set `type` to `invite`. The user must have at least one active payroll or banking verification.

```json theme={}
{
  "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
  "type": "invite",
  "configuration": {
    "email": "jane.doe@example.com",
    "phone_number": "+15555555555"
  }
}
```

One invite can include one or more active payroll or banking verifications for the same user. Invite links expire after 180 days or when revoked.

<Note>
  For wholesale mortgage implementations, add `external_metadata.broker` to the user and omit `configuration.flow_id` to use the default wholesale flow. A custom flow must be a wholesale flow to override that default. See [Wholesale Mortgage](/partners/wholesale-mortgage) for setup, flow selection, and notifications.
</Note>

## Launch an embedded session

Use the returned session `link` according to the verification's data source.

### Payroll

* Pass `link` as `connectUrl` when initializing the [Web SDK](/link/initialization/web#initialize-with-connecturl) or [Mobile SDKs](/link/initialization/mobile-sdks).
* For Hosted Link, open the URL in a browser context. Hosted Link does not provide Link callbacks.

### Banking

* Pass `link` as `connectURL` when launching the banking SDK.
* Use SDK callbacks for immediate frontend handling and the `verifications.updated` webhook for backend lifecycle tracking.
* See [Banking Verifications](/partners/verification-types/banking#choose-a-session-type) for the SDK example and hosted-session requirements.

## Track status and retrieve the report

Listen for the [`verifications.updated`](/api-reference/partners-webhooks/updated) webhook. When `status.code` is `completed` or `completed_with_errors`, retrieve the report from `report.file_url` or `report.json_url`.

Continue with [Verification Statuses](/partners/verification-statuses).


# Re-verification
Source: https://docs.argyle.com/partners/re-verification

Request updated verification results.

Reuse the existing user when requesting updated results. The next step depends on whether the user's connection is still valid or they need to reconnect or provide new documents.

## Refresh without user action

<Note>
  The refresh endpoint supports payroll, banking, and Doc VOI verifications. It returns a new verification ID and report.
</Note>

Use [`POST /partners/v2/verifications/refresh`](/api-reference/partners-verifications/refresh-a-verification) to create a **new** payroll or banking verification without the user needing to reconnect, as long as a valid connection is still available. For Doc VOI, use the same endpoint with `report.type = doc-voi-mortgage` to generate a new report from the user's existing uploaded documents without uploading additional documents.

Track the new verification through [`verifications.updated`](/api-reference/partners-webhooks/updated) webhooks. Retrieve its report when the status reaches `completed` or `completed_with_errors`. See [Verification Statuses](/partners/verification-statuses).

## Reconnection required

If a previously completed payroll or banking verification needs updated data and the connection is no longer valid, the user must reconnect. The same path applies when the user needs to connect another account.

1. Order a new verification for the existing `user` with [`POST /partners/v2/verifications`](/api-reference/partners-verifications/order-a-verification).
2. Create a [session](/partners/quickstart#create-a-session) for the new verification.
3. Return the user to [Link for payroll](/partners/verification-types/payroll#user-experience) or the [banking connection experience](/partners/verification-types/banking#choose-a-session-type) to complete the required connection steps.
4. Track the new verification's status and retrieve its completed report.

<Note>
  If the verification is still active, create another session for that verification instead. An expired session or a request for MFA does not by itself require a new verification. See [Recovery and Errors](/partners/recovery-and-errors#session-not-completed).
</Note>

## Doc VOI with new documents

To refresh a Doc VOI report with additional or updated documents, order a new `doc-voi-mortgage` verification for the same `user` with [`POST /partners/v2/verifications`](/api-reference/partners-verifications/order-a-verification). The request shape is the same as a new document verification, including the `employments` requirements.

Previously uploaded documents for the user remain available as the baseline for the new verification. After the new verification is created:

1. Upload each net-new document for the same `user` with [`POST /partners/v2/user-uploads`](/api-reference/partners-verifications/upload-a-document).
2. Listen for [`verifications.updated`](/api-reference/partners-webhooks/updated) webhooks as the verification moves through document processing.
3. Retrieve the refreshed report from `report.file_url` or `report.json_url` when the verification is complete.


# Recovery and Errors
Source: https://docs.argyle.com/partners/recovery-and-errors

Resume incomplete sessions and correct invalid verification requests.

Use the verification's current `status.state`, `status.code`, and `status.errors` to decide whether to resume the existing verification or create a new one.

## Choose a recovery action

| Status or situation                            | Action                                                                                           |
| ---------------------------------------------- | ------------------------------------------------------------------------------------------------ |
| Active verification; session closed or expired | Create another session for the same verification.                                                |
| `connection_attempted`                         | Review the account connection error and return the user to the active verification.              |
| `syncing_error`                                | Create another session so the user can complete MFA or other required action.                    |
| `more_data_required`                           | Upload the additional Doc VOI documents for the same user.                                       |
| `cancelled_by_client` or `argyle_timeout`      | The verification cannot be resumed. Create a new verification if another attempt is appropriate. |
| `system_error`                                 | Review `status.errors` and contact Argyle Support before retrying.                               |

## Session not completed

If the user closes the connection flow, or the session link expires, retrieve the verification and check its current status.

When the verification remains active in `pending` or `user_session_started`, create a new session for the same verification with [`POST /partners/v2/sessions`](/partners/quickstart#create-a-session). Do not create another verification solely to replace an expired session link.

For `connection_attempted` or `syncing_error`, review the current account connection error in `status.errors`, correct the issue, and create another session for the same active verification.

## User details missing or invalid

If `POST /partners/v2/verifications` returns a 400 response for missing or invalid user details:

1. Update the user with [`PATCH /partners/v2/users/{id}`](/api-reference/partners-verifications/update-a-user).
2. Retry `POST /partners/v2/verifications`.

## More documents required

When a Doc VOI verification enters `more_data_required`, review `status.errors` for the missing information. Upload the additional files for the same user with [`POST /partners/v2/user-uploads`](/api-reference/partners-verifications/upload-a-document). Continue listening for the `verifications.updated` webhook as processing resumes.


# Reports and Source Documents
Source: https://docs.argyle.com/partners/reports-and-source-documents

View report examples and retrieve their supporting files.

Source documents are the original paystubs, tax forms, and uploaded files that support a verification. This page shows report examples and how to retrieve completed reports and available source documents.

<Note>
  Report and source-document URLs require [Argyle authentication headers](/verifications/platform-partners#authentication). Store and deliver these files according to your application retention requirements.
</Note>

## Retrieve completed reports

When a verification reaches `completed` or `completed_with_errors`, the verification resource contains:

* `report.file_url` — the report PDF.
* `report.json_url` — the report data in JSON format.

Follow [Verification Statuses](/partners/verification-statuses#download-reports-and-json) for the webhook and retrieval flow.

## Retrieve source documents

Connected payroll accounts can include paystubs, tax forms, and other source documents. Use the [Payroll Documents](/api-reference/partners-data-sets/list-all-payroll-documents) endpoints to list or retrieve document metadata, then request the returned `file_url` with Argyle authentication headers.

Use the partner document upload endpoint when submitting files for Doc VOI. For source files from connected payroll accounts, use Partner Data Sets.

## Example reports

<Accordion title="Verification of Income and Employment (Payroll VOIE) — PDF and JSON">
  [PDF](https://res.cloudinary.com/argyle-media/image/upload/v1749501632/docs-2025/voie_example_argyle.pdf)

  Report PDF

  <Frame>
    <img alt="Image of Argyle's Verification of Income and Employment (VOIE) report." />
  </Frame>

  ```json theme={}
  {
    "report_id": "6da4c9a3-2e63-95e5-8be3-f9a52ddc489a",
    "type": "voie",
    "user_id": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
    "external_id": "March Connection",
    "created_at": "2023-03-26T09:20:06.081Z",
    "last_synced_at": "2023-03-24T12:41:25.069Z",
    "metadata": {},
    "employments": [
      {
        "employment": "0186a27d-e5c6-735a-a359-6315b34d544c",
        "account": "018728a3-afee-5288-8e8a-c68ceb591359",
        "last_synced_at": "2023-03-24T12:41:25.069Z",
        "source": "Worknight",
        "first_name": "Bob",
        "last_name": "Jones",
        "full_name": "Bob Jones",
        "birth_date": "1980-10-10",
        "ssn": "522-09-1191",
        "phone_number": "+18009000010",
        "email": "bob@email.com",
        "employee_address": {
          "line1": "342 Fence Rd",
          "line2": null,
          "city": "New York",
          "state": "NY",
          "postal_code": "10014",
          "country": "US"
        },
        "employer": "Whole Goods",
        "employer_address": {
          "line1": "852 North W St",
          "line2": null,
          "city": "New York",
          "state": "NY",
          "postal_code": "10014",
          "country": "US"
        },
        "status": "active",
        "employment_type": "full-time",
        "job_title": "Store Manager",
        "base_pay": {
          "amount": "75372.62",
          "currency": "USD",
          "period": "annual"
        },
        "pay_cycle": "monthly",
        "start_date": "2020-08-28",
        "original_hire_date": "2020-08-28",
        "end_date": null,
        "length_of_work": {
          "years": "2",
          "months": "6"
        },
        "last_pay_period_end_date": "2023-03-22",
        "last_paystub_date": "2023-03-24",
        "income": [
          {
            "period": "2023",
            "currency": "USD",
            "gross_pay": {
              "total": "25124.20",
              "base": "25124.20",
              "overtime": "0.00",
              "commission": "0.00",
              "bonus": "0.00",
              "other": "0.00"
            },
            "reimbursements": "8.13",
            "deductions": "816.53",
            "taxes": "5715.75",
            "fees": "0.00",
            "net_pay": "18600.05"
          },
          {
            "period": "2022",
            "currency": "USD",
            "gross_pay": {
              "total": "82866.32",
              "base": "81653.65",
              "overtime": "0.00",
              "commission": "881.09",
              "bonus": "331.58",
              "other": "0.00"
            },
            "reimbursements": "4.35",
            "deductions": "3266.12",
            "taxes": "14948.85",
            "fees": "0.00",
            "net_pay": "64655.70"
          }
        ],
        "monthly_income": {
          "argyle": {
            "total": "7102.33",
            "base": "6902.55",
            "overtime": "165.94",
            "bonus": "5.22",
            "commission": "28.62",
            "other": "0.00"
          }
        },
        "callouts": []
      },
      {
        "employment": "0185a31d-e2c8-991c-a251-5977e36a418c",
        "account": "018728a2-2fe0-cdb4-9486-70b2fe9834f9",
        "last_synced_at": "2023-03-01T05:10:59.558Z",
        "source": "Bullseye",
        "first_name": "Bob",
        "last_name": "Jones",
        "full_name": "Bob Jones",
        "birth_date": "1980-10-10",
        "ssn": "522-09-1191",
        "phone_number": "+18009000010",
        "email": "bob@email.com",
        "employee_address": {
          "line1": "342 Fence Rd",
          "line2": null,
          "city": "New York",
          "state": "NY",
          "postal_code": "10014",
          "country": "US"
        },
        "employer": "Bullseye",
        "employer_address": {
          "line1": "119 Green Ridge",
          "line2": null,
          "city": "New York",
          "state": "NY",
          "postal_code": "10014",
          "country": "US"
        },
        "status": "active",
        "employment_type": "part-time",
        "job_title": "Clerk",
        "base_pay": {
          "amount": "61030.57",
          "currency": "USD",
          "period": "annual"
        },
        "pay_cycle": "monthly",
        "start_date": "2020-06-29",
        "original_hire_date": "2020-06-29",
        "end_date": null,
        "length_of_work": {
          "years": "2",
          "months": "9"
        },
        "last_pay_period_end_date": "2023-02-23",
        "last_paystub_date": "2023-02-24",
        "income": [
          {
            "period": "2023",
            "currency": "USD",
            "gross_pay": {
              "total": "20848.92",
              "base": "20343.52",
              "overtime": "0.00",
              "commission": "0.00",
              "bonus": "505.40",
              "other": "0.00"
            },
            "reimbursements": "0.00",
            "deductions": "915.48",
            "taxes": "4475.58",
            "fees": "0.00",
            "net_pay": "15457.86"
          },
          {
            "period": "2022",
            "currency": "USD",
            "gross_pay": {
              "total": "68070.08",
              "base": "66116.44",
              "overtime": "0.00",
              "commission": "777.54",
              "bonus": "1176.10",
              "other": "0.00"
            },
            "reimbursements": "18.40",
            "deductions": "2034.40",
            "taxes": "13274.18",
            "fees": "0.00",
            "net_pay": "52779.90"
          }
        ],
        "monthly_income": {
          "argyle": {
            "total": "5683.51",
            "base": "5512.92",
            "overtime": "0.00",
            "bonus": "119.51",
            "commission": "51.08",
            "other": "0.00"
          }
        },
        "callouts": []
      }
    ],
    "income_totals": [
      {
        "period": "2023",
        "currency": "USD",
        "gross_pay": {
          "total": "45973.12",
          "base": "45467.72",
          "overtime": "0.00",
          "commission": "0.00",
          "bonus": "505.40",
          "other": "0.00"
        },
        "reimbursements": "8.13",
        "deductions": "1732.01",
        "taxes": "10191.33",
        "fees": "0.00",
        "net_pay": "34057.91"
      },
      {
        "period": "2022",
        "currency": "USD",
        "gross_pay": {
          "total": "150936.4",
          "base": "147770.09",
          "overtime": "0.00",
          "commission": "1658.63",
          "bonus": "1507.68",
          "other": "0.00"
        },
        "reimbursements": "22.75",
        "deductions": "5300.52",
        "taxes": "28223.03",
        "fees": "0.00",
        "net_pay": "117435.60"
      }
    ]
  }
  ```
</Accordion>

<Accordion title="Verification of Income and Employment (Government Payroll VOIE) — PDF and JSON">
  [PDF](https://res.cloudinary.com/argyle-media/image/upload/v1783533516/docs-2026/voie-government_example_argyle.pdf)

  <Frame>
    <img alt="Image of Argyle's Verification of Income and Employment (Government Payroll VOIE) report." />
  </Frame>

  ```json theme={}
  {
    "report_id": "7a4d2fd6-9c7d-4e0d-a8d3-9e97f54d21f1",
    "type": "voie-government",
    "user_id": "f83b9d2f-0b3d-4ec9-91d4-82cf9e1c1b2a",
    "external_id": "GOV-2026-48291",
    "created_at": "2026-05-20T18:30:00.000Z",
    "last_synced_at": "2026-05-20T18:12:00.000Z",
    "metadata": {},
    "reporting_period": {
      "days": 90,
      "start_date": "2026-03-09",
      "end_date": "2026-06-07"
    },
    "certification": [
      {
        "type": "report",
        "employment": null,
        "status": "certified",
        "completed_at": "2026-05-20T18:30:00.000Z",
        "user_comment": null
      },
      {
        "type": "employment",
        "employment": "0186a27d-e5c6-735a-a359-6315b34d544c",
        "status": "certified",
        "completed_at": "2026-05-20T18:30:00.000Z",
        "user_comment": null
      }
    ],
    "employments": [
      {
        "employment": "0186a27d-e5c6-735a-a359-6315b34d544c",
        "account": "018728a3-afee-5288-8e8a-c68ceb591359",
        "last_synced_at": "2026-05-20T18:12:00.000Z",
        "source": "Connected Payroll Account",
        "income_source_type": "w2",
        "certified": true,
        "first_name": "Bob",
        "last_name": "Jones",
        "full_name": "Bob Jones",
        "birth_date": "1980-12-03",
        "employer": "Whole Goods",
        "employer_address": {
          "line1": "7641 Cedarwood Drive",
          "line2": null,
          "city": "Lakeview",
          "state": "IL",
          "postal_code": "60712",
          "country": "US"
        },
        "status": "active",
        "employment_type": "full-time",
        "job_title": "Store Manager",
        "base_pay": {
          "amount": "20.00",
          "currency": "USD",
          "period": "hourly"
        },
        "pay_cycle": "biweekly",
        "start_date": "2020-08-28",
        "end_date": null,
        "last_paystub_date": "2026-06-07",
        "period_summary": [
          {
            "period": {
              "start_date": "2026-03-09",
              "end_date": "2026-06-07"
            },
            "currency": "USD",
            "gross_pay": "18298.28",
            "net_pay": "14065.93",
            "hours": "914.75",
            "mileage": null,
            "paystubs_count": 7,
            "trips_count": null
          }
        ],
        "monthly_summary": [
          {
            "period": {
              "month": "2026-06",
              "start_date": "2026-06-01",
              "end_date": "2026-06-07",
              "partial_month": true
            },
            "currency": "USD",
            "gross_pay": "746.67",
            "net_pay": "573.67",
            "hours": "37.33",
            "mileage": null,
            "paystubs_count": 1,
            "trips_count": null
          },
          {
            "period": {
              "month": "2026-05",
              "start_date": "2026-05-01",
              "end_date": "2026-05-31",
              "partial_month": false
            },
            "currency": "USD",
            "gross_pay": "6400.00",
            "net_pay": "4920.00",
            "hours": "320.00",
            "mileage": null,
            "paystubs_count": 2,
            "trips_count": null
          },
          {
            "period": {
              "month": "2026-04",
              "start_date": "2026-04-01",
              "end_date": "2026-04-30",
              "partial_month": false
            },
            "currency": "USD",
            "gross_pay": "6400.00",
            "net_pay": "4920.00",
            "hours": "320.00",
            "mileage": null,
            "paystubs_count": 2,
            "trips_count": null
          },
          {
            "period": {
              "month": "2026-03",
              "start_date": "2026-03-09",
              "end_date": "2026-03-31",
              "partial_month": true
            },
            "currency": "USD",
            "gross_pay": "4751.61",
            "net_pay": "3652.26",
            "hours": "237.42",
            "mileage": null,
            "paystubs_count": 2,
            "trips_count": null
          }
        ],
        "payment_details": [
          {
            "id": "2b780d46-9337-3b15-a1a7-e7184f25f72f",
            "file_url": "api.argyle.com/v2/payroll-documents/{id}/file",
            "type": "direct_deposit",
            "pay_date": "2026-06-07",
            "pay_period": {
              "start_date": "2026-05-25",
              "end_date": "2026-06-07"
            },
            "currency": "USD",
            "gross_pay": "746.67",
            "net_pay": "573.67",
            "hours": "37.33",
            "deductions": "91.00",
            "taxes": "82.00",
            "gross_pay_ytd": "18298.28",
            "gross_pay_list_totals": {
              "base": {
                "amount": "746.67",
                "amount_ytd": "18298.28",
                "hours": "37.33",
                "hours_ytd": "914.75",
                "rate_implied": "20.00",
                "rate_implied_ytd": "20.00"
              }
            },
            "deduction_list": [
              {
                "amount": "91.00",
                "name": "Benefits",
                "tax_classification": "pre_tax",
                "amount_ytd": "2281.65"
              }
            ]
          },
          {
            "id": "9e2ccde6-bfeb-3d4c-8a54-b7a7ceffb2ed",
            "file_url": "api.argyle.com/v2/payroll-documents/{id}/file",
            "type": "direct_deposit",
            "pay_date": "2026-05-15",
            "pay_period": {
              "start_date": "2026-05-11",
              "end_date": "2026-05-24"
            },
            "currency": "USD",
            "gross_pay": "3200.00",
            "net_pay": "2460.00",
            "hours": "160.00",
            "deductions": "390.00",
            "taxes": "350.00",
            "gross_pay_ytd": "17551.61",
            "gross_pay_list_totals": {
              "base": {
                "amount": "3200.00",
                "amount_ytd": "17551.61",
                "hours": "160.00",
                "hours_ytd": "877.42",
                "rate_implied": "20.00",
                "rate_implied_ytd": "20.00"
              }
            },
            "deduction_list": [
              {
                "amount": "390.00",
                "name": "Benefits",
                "tax_classification": "pre_tax",
                "amount_ytd": "2190.65"
              }
            ]
          },
          {
            "id": "0e65759a-4026-36f2-b6bb-783a9a0693eb",
            "file_url": "api.argyle.com/v2/payroll-documents/{id}/file",
            "type": "direct_deposit",
            "pay_date": "2026-05-01",
            "pay_period": {
              "start_date": "2026-04-27",
              "end_date": "2026-05-10"
            },
            "currency": "USD",
            "gross_pay": "3200.00",
            "net_pay": "2460.00",
            "hours": "160.00",
            "deductions": "390.00",
            "taxes": "350.00",
            "gross_pay_ytd": "14351.61",
            "gross_pay_list_totals": {
              "base": {
                "amount": "3200.00",
                "amount_ytd": "14351.61",
                "hours": "160.00",
                "hours_ytd": "717.42",
                "rate_implied": "20.00",
                "rate_implied_ytd": "20.01"
              }
            },
            "deduction_list": [
              {
                "amount": "390.00",
                "name": "Benefits",
                "tax_classification": "pre_tax",
                "amount_ytd": "1800.65"
              }
            ]
          },
          {
            "id": "cc4f6795-c8c5-3afb-9265-29ea117a1a48",
            "file_url": "api.argyle.com/v2/payroll-documents/{id}/file",
            "type": "direct_deposit",
            "pay_date": "2026-04-17",
            "pay_period": {
              "start_date": "2026-03-30",
              "end_date": "2026-04-12"
            },
            "currency": "USD",
            "gross_pay": "3200.00",
            "net_pay": "2460.00",
            "hours": "160.00",
            "deductions": "390.00",
            "taxes": "350.00",
            "gross_pay_ytd": "11151.61",
            "gross_pay_list_totals": {
              "base": {
                "amount": "3200.00",
                "amount_ytd": "11151.61",
                "hours": "160.00",
                "hours_ytd": "557.42",
                "rate_implied": "20.00",
                "rate_implied_ytd": "20.01"
              }
            },
            "deduction_list": [
              {
                "amount": "390.00",
                "name": "Benefits",
                "tax_classification": "pre_tax",
                "amount_ytd": "1410.65"
              }
            ]
          },
          {
            "id": "925863dd-dd7c-3bf2-a11e-75ecf70ad1d5",
            "file_url": "api.argyle.com/v2/payroll-documents/{id}/file",
            "type": "direct_deposit",
            "pay_date": "2026-04-03",
            "pay_period": {
              "start_date": "2026-03-16",
              "end_date": "2026-03-29"
            },
            "currency": "USD",
            "gross_pay": "3200.00",
            "net_pay": "2460.00",
            "hours": "160.00",
            "deductions": "390.00",
            "taxes": "350.00",
            "gross_pay_ytd": "7951.61",
            "gross_pay_list_totals": {
              "base": {
                "amount": "3200.00",
                "amount_ytd": "7951.61",
                "hours": "160.00",
                "hours_ytd": "397.42",
                "rate_implied": "20.00",
                "rate_implied_ytd": "20.01"
              }
            },
            "deduction_list": [
              {
                "amount": "390.00",
                "name": "Benefits",
                "tax_classification": "pre_tax",
                "amount_ytd": "1020.65"
              }
            ]
          },
          {
            "id": "51f19b38-b4d8-3da4-a4d0-e15e1e8bb62a",
            "file_url": "api.argyle.com/v2/payroll-documents/{id}/file",
            "type": "direct_deposit",
            "pay_date": "2026-03-20",
            "pay_period": {
              "start_date": "2026-03-09",
              "end_date": "2026-03-15"
            },
            "currency": "USD",
            "gross_pay": "3151.61",
            "net_pay": "2422.26",
            "hours": "157.42",
            "deductions": "383.65",
            "taxes": "345.70",
            "gross_pay_ytd": "4751.61",
            "gross_pay_list_totals": {
              "base": {
                "amount": "3151.61",
                "amount_ytd": "4751.61",
                "hours": "157.42",
                "hours_ytd": "237.42",
                "rate_implied": "20.02",
                "rate_implied_ytd": "20.01"
              }
            },
            "deduction_list": [
              {
                "amount": "383.65",
                "name": "Benefits",
                "tax_classification": "pre_tax",
                "amount_ytd": "630.65"
              }
            ]
          },
          {
            "id": "f6323f0f-fdc7-327d-8d35-c24555fb76cf",
            "file_url": "api.argyle.com/v2/payroll-documents/{id}/file",
            "type": "direct_deposit",
            "pay_date": "2026-03-13",
            "pay_period": {
              "start_date": "2026-03-02",
              "end_date": "2026-03-08"
            },
            "currency": "USD",
            "gross_pay": "1600.00",
            "net_pay": "1230.00",
            "hours": "80.00",
            "deductions": "195.00",
            "taxes": "175.00",
            "gross_pay_ytd": "1600.00",
            "gross_pay_list_totals": {
              "base": {
                "amount": "1600.00",
                "amount_ytd": "1600.00",
                "hours": "80.00",
                "hours_ytd": "80.00",
                "rate_implied": "20.00",
                "rate_implied_ytd": "20.00"
              }
            },
            "deduction_list": [
              {
                "amount": "195.00",
                "name": "Benefits",
                "tax_classification": "pre_tax",
                "amount_ytd": "195.00"
              }
            ]
          }
        ],
        "callouts": []
      }
    ]
  }
  ```
</Accordion>

<Accordion title="Verification of Employment (Payroll VOE) — PDF and JSON">
  [PDF](https://res.cloudinary.com/argyle-media/image/upload/v1746481161/docs-2025/voe_example.pdf)

  Report PDF

  <Frame>
    <img alt="Image of Argyle's Verification of Employment (VOE) report." />
  </Frame>

  ```json theme={}
  {
    "report_id": "6c3fa756-2e76-43e1-55f6-e29fc6ae535d",
    "type": "voe",
    "user_id": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
    "external_id": "March Connection",
    "created_at": "2023-03-26T09:19:08.916Z",
    "last_synced_at": "2023-03-24T12:41:21.576Z",
    "metadata": {},
    "employments": [
      {
        "employment": "0186a27d-e5c6-735a-a359-6315b34d544c",
        "account": "0187c66e-e7e5-811c-b006-2232f00f426a",
        "last_synced_at": "2023-03-24T12:41:21.576Z",
        "source": "Worknight",
        "first_name": "Bob",
        "last_name": "Jones",
        "full_name": "Bob Jones",
        "ssn": "522-09-1191",
        "employer": "Whole Goods",
        "employer_address": {
          "line1": "852 North W St",
          "line2": null,
          "city": "New York",
          "state": "NY",
          "postal_code": "10014",
          "country": "US"
        },
        "status": "active",
        "employment_type": "full-time",
        "job_title": "Store Manager",
        "start_date": "2020-08-28",
        "original_hire_date": "2020-08-28",
        "end_date": null,
        "length_of_work": {
          "years": "2",
          "months": "6"
        },
        "last_pay_period_end_date": "2023-03-22",
        "last_paystub_date": "2023-03-24"
      },
      {
        "employment": "0185a31d-e2c8-991c-a251-5977e36a418c",
        "account": "018728a2-2fe0-cdb4-9486-70b2fe9834f9",
        "last_synced_at": "2023-03-01T05:10:59.558Z",
        "source": "Bullseye",
        "first_name": "Bob",
        "last_name": "Jones",
        "full_name": "Bob Jones",
        "ssn": "522-09-1191",
        "employer": "Bullseye",
        "employer_address": {
          "line1": "119 Green Ridge",
          "line2": null,
          "city": "New York",
          "state": "NY",
          "postal_code": "10014",
          "country": "US"
        },
        "status": "active",
        "employment_type": "part-time",
        "job_title": "Clerk",
        "start_date": "2020-06-29",
        "original_hire_date": "2020-06-29",
        "end_date": null,
        "length_of_work": {
          "years": "2",
          "months": "9"
        },
        "last_pay_period_end_date": "2023-02-23",
        "last_paystub_date": "2023-02-24"
      }
    ]
  }
  ```
</Accordion>

<Accordion title="Verification of Assets (Banking VOA) — PDF and JSON">
  [PDF](https://res.cloudinary.com/argyle-media/image/upload/v1749582203/docs-2025/VOA_Banking_Report.pdf)

  Report PDF

  <Frame>
    <img alt="Image of Verification of Assets (VOA) banking report." />
  </Frame>

  ```json theme={}
  {
    "id": "m22kz9tzmz3t",
    "type": "voa",
    "constraints": {
      "accounts": null,
      "from_date": null,
      "report_custom_fields": null,
      "show_nsf": null
    },
    "status": "success",
    "assets": {
      "type": null,
      "available_balance": 18349.6,
      "current_balance": 22327.3,
      "two_month_average": 21995.27,
      "six_month_average": null,
      "beginning_balance": 20942.02
    },
    "consolidated_available_balance": 18349.6,
    "consumer": "eed152a28a1ecd78c0ff401de123faf3",
    "consumer_ssn": "6789",
    "created_date": "2025-06-10T18:57:22.000Z",
    "user": "01975b33-16d0-2c9b-8cd1-85e58e80248c",
    "customer_type": "testing",
    "days": 61,
    "dispute_statement": null,
    "end_date": "2025-06-10T18:57:22.000Z",
    "end_user": null,
    "institutions": [
      {
        "accounts": [
          {
            "aggregation_status_code": 0,
            "asset": {
              "type": "savings",
              "current_balance": 22327.3,
              "two_month_average": 21995.27,
              "six_month_average": null,
              "beginning_balance": 20942.02
            },
            "available_balance": null,
            "average_monthly_balance": 21978.28,
            "balance": 22327.3,
            "balance_date": "2025-06-10T18:57:25.000Z",
            "details": {
              "interest_margin_balance": null,
              "available_cash_balance": null,
              "vested_balance": null,
              "current_loan_balance": null,
              "available_balance_amount": 18349.6,
              "margin_balance": null,
              "current_balance": null
            },
            "id": 8057635035,
            "income_streams": null,
            "name": "Savings",
            "number": "2222",
            "owner_address": "123 FAKE STREET OGDEN, UT 84401",
            "owner_name": "HOMER LOANSEEKER",
            "position": null,
            "tot_number_days_since_most_recent_insufficient_funds_fee_debit_tx_account": 0,
            "tot_number_insufficient_funds_fee_debit_tx_account": 0,
            "tot_number_insufficient_funds_fee_debit_tx_over2_months_account": null,
            "transactions": [
              {
                "id": 28483686056,
                "amount": 501.68,
                "posted_date": "2025-05-19T12:00:00.000Z",
                "description": "Home Banking Transfer Deposit: F",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "home banking transfer deposit",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              },
              {
                "id": 28483686184,
                "amount": 203.82,
                "posted_date": "2025-05-14T12:00:00.000Z",
                "description": "Home Banking Transfer Deposit: F",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "home banking transfer deposit",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              },
              {
                "id": 28483686144,
                "amount": -100,
                "posted_date": "2025-05-13T12:00:00.000Z",
                "description": "Home Banking Transfer Withdrawal",
                "memo": null,
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              {
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              {
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              {
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              {
                "id": 28483686079,
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              {
                "id": 28483686111,
                "amount": 400,
                "posted_date": "2025-04-14T12:00:00.000Z",
                "description": "Transfer to SAVINGS",
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            ],
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        ],
        "id": 102168,
        "name": "FinBank Profiles - B",
        "url_home_app": "http://www.finicity.com"
      }
    ],
    "portfolio": "1au39wv4bn23-1-port",
    "request_id": "zpe49xbhyd",
    "requester_name": "Argyle Systems",
    "seasoned": false,
    "start_date": "2025-04-10T18:57:22.000Z",
    "title": "Mastercard Open Banking Verification of Assets"
  }
  ```
</Accordion>

<Accordion title="Verification of Assets & Income (Banking VOAI) — PDF and JSON">
  [PDF](https://res.cloudinary.com/argyle-media/image/upload/docs-2026/VOAI_Banking_Report.pdf)

  Report PDF

  <Frame>
    <img alt="Image of Verification of Assets & Income (VOAI) banking report." />
  </Frame>

  ```json theme={}
  {
      "id": "q3senvchs15n",
      "type": "voaHistory",
      "constraints": {
          "accounts": [
              "9035542498"
          ],
          "from_date": "2024-09-16T21:04:48.000Z",
          "report_custom_fields": null,
          "show_nsf": null,
          "income_stream_confidence_minimum": 0,
          "income_from_date": "1970-01-01T07:00:00.000Z"
      },
      "status": "success",
      "portfolio": "q3gg0t2yki5v-2-port",
      "errors": null,
      "assets": {
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      "consumer": "a34c54560b98f506f22827af7ec54878",
      "consumer_ssn": null,
      "created_date": "2026-09-16T21:04:48.000Z",
      "user": "01a0ac04-eb74-f1f1-b91c-8330689dcfa2",
      "customer_type": "testing",
      "days": 730,
      "dispute_statement": null,
      "end_date": "2026-09-16T21:04:48.000Z",
      "end_user": null,
      "institutions": [
          {
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                  {
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                          "two_month_average": 10745.1,
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                      },
                      "average_monthly_balance": 20880.29,
                      "balance": 14911.0,
                      "balance_date": "2026-09-16T21:02:53.000Z",
                      "currency": "USD",
                      "details": {
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                          "available_cash_balance": null,
                          "vested_balance": null,
                          "current_loan_balance": null,
                          "available_balance_amount": 14911.0,
                          "margin_balance": null,
                          "current_balance": null
                      },
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                                  "stop_date": null,
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                              },
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                                  },
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                                  },
                                  {
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                                  },
                                  {
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                                  },
                                  {
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                                  },
                                  {
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                                      "gross": 11775.62
                                  },
                                  {
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                                      "net": 9582.92,
                                      "gross": 11775.62
                                  },
                                  {
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                                  },
                                  {
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                                  },
                                  {
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                                  }
                              ],
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                              "projected_net_annual": 125058.0,
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                                  },
                                  {
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                                  },
                                  {
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                                  },
                                  {
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                                  },
                                  {
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                                  {
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                                  {
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                                  {
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                                  {
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                                  {
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                                  {
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                              ]
                          },
                          {
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                                      "category": "Transfer"
                                  },
                                  {
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                                      "description": "CASHOUT VENMO",
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                                      "institution_transaction": "0000000000",
                                      "category": "Transfer"
                                  },
                                  {
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                                      "description": "CASHOUT VENMO",
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                                      "institution_transaction": "0000000000",
                                      "category": "Transfer"
                                  },
                                  {
                                      "id": 17620349265,
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                                      "description": "CASHOUT VENMO",
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                                      "category": "Transfer"
                                  },
                                  {
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                              "category": "Utilities"
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                              "description": "CHECK #308",
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                              "category": "Loan Payment"
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                              "memo": "INTERNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Citi",
                              "institution_transaction": "0000000000",
                              "category": "Credit Card Payment"
                          },
                          {
                              "id": 17620349292,
                              "amount": -339.19,
                              "posted_date": "2025-07-06T12:00:00.000Z",
                              "description": "KMFUSA.com",
                              "memo": "ACH DEBIT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Kia Finance",
                              "institution_transaction": "0000000000",
                              "category": "Auto Payment"
                          },
                          {
                              "id": 17620349250,
                              "amount": -2308.55,
                              "posted_date": "2025-07-06T12:00:00.000Z",
                              "description": "EPAY CHASE CREDIT CRD",
                              "memo": "INTERNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "EPAY Systems",
                              "institution_transaction": "0000000000",
                              "category": "Credit Card Payment"
                          },
                          {
                              "id": 17620349196,
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                              "posted_date": "2025-07-06T12:00:00.000Z",
                              "description": "PAYMENT Heskein Light",
                              "memo": "ACH DEBIT",
                              "investment_transaction_type": null,
                              "normalized_payee": "No Entity Found",
                              "institution_transaction": "0000000000",
                              "category": "Utilities"
                          },
                          {
                              "id": 17620349378,
                              "amount": 0.01,
                              "posted_date": "2025-07-05T12:00:00.000Z",
                              "description": "Down National Democra <> D",
                              "memo": "ACH CREDIT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Down National Democra",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 17620349263,
                              "amount": -1493.79,
                              "posted_date": "2025-07-05T12:00:00.000Z",
                              "description": "Mr Cooper",
                              "memo": "ACH DEBIT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Mr. Cooper",
                              "institution_transaction": "0000000000",
                              "category": "Mortgage & Rent"
                          },
                          {
                              "id": 17620349396,
                              "amount": -151.5,
                              "posted_date": "2025-07-01T12:00:00.000Z",
                              "description": "PAYMENT VENMO XXXXXXXXXXXXX INTE",
                              "memo": "RNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Venmo",
                              "institution_transaction": "0000000000",
                              "category": "Transfer"
                          },
                          {
                              "id": 17620349351,
                              "amount": -184.9,
                              "posted_date": "2025-07-01T12:00:00.000Z",
                              "description": "PAYMENTREC VERIZON",
                              "memo": "RECURRING INTERNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Verizon",
                              "institution_transaction": "0000000000",
                              "category": "Mobile Phone"
                          },
                          {
                              "id": 17620349306,
                              "amount": -50.5,
                              "posted_date": "2025-07-01T12:00:00.000Z",
                              "description": "PAYMENT VENMO XXXXXXXXXXXXX INTE",
                              "memo": "RNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Venmo",
                              "institution_transaction": "0000000000",
                              "category": "Transfer"
                          }
                      ],
                      "type": "checking"
                  }
              ],
              "id": 102105,
              "name": "FinBank Profiles - A",
              "url_home_app": "http://www.finbank.com"
          }
      ],
      "request_id": "cc1e44a76e",
      "requester_name": "Argyle Systems",
      "seasoned": true,
      "start_date": "2024-09-16T21:04:48.000Z",
      "title": "Mastercard Open Banking Verification of Assets and Income - Transactions"
  }
  ```
</Accordion>

<Accordion title="Verification of Income (Banking VOI) — PDF and JSON">
  [PDF](https://res.cloudinary.com/argyle-media/image/upload/docs-2026/VOI_Banking_Report.pdf)

  Report PDF

  <Frame>
    <img alt="Image of Verification of Income (VOI) banking report." />
  </Frame>

  ```json theme={}
  {
      "id": "bdmczjhxc8vj-voi",
      "type": "voi",
      "constraints": {
          "accounts": null,
          "from_date": "2024-09-03T23:03:00.000Z",
          "report_custom_fields": [
              {
                  "label": "loanID",
                  "value": "12345",
                  "shown": true
              }
          ],
          "show_nsf": null,
          "income_stream_confidence_minimum": 50
      },
      "status": "success",
      "portfolio": "91k0ba5978h5-1-port",
      "errors": null,
      "consumer": "8859a004ff2b977a7821f74aa938950d",
      "consumer_ssn": "0000",
      "created_date": "2026-09-03T23:03:00.000Z",
      "user": "01a06982-222f-ed7d-a569-71dc2680660d",
      "customer_type": "testing",
      "days": 730,
      "dispute_statement": null,
      "end_date": "2026-09-03T23:03:00.000Z",
      "end_user": null,
      "request_id": "4bswvfqtuy",
      "requester_name": "Argyle Systems",
      "seasoned": true,
      "start_date": "2024-09-03T23:03:00.000Z",
      "title": "Mastercard Open Banking Verification of Income",
      "income": [
          {
              "confidence_type": "HIGH",
              "income_estimate": {
                  "estimated_gross_annual": 115731,
                  "net_annual": 81703.67,
                  "projected_gross_annual": 130005,
                  "projected_net_annual": 89052.02,
                  "average_monthly_net": 6808.64,
                  "average_monthly_gross": 9644.25
              },
              "net_monthly": [
                  {
                      "month": "2024-09-01T06:00:00.000Z",
                      "net": 1757.44,
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                  },
                  {
                      "month": "2024-10-01T06:00:00.000Z",
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                  },
                  {
                      "month": "2024-11-01T06:00:00.000Z",
                      "net": 3620.25,
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                  },
                  {
                      "month": "2024-12-01T07:00:00.000Z",
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                  },
                  {
                      "month": "2025-01-01T07:00:00.000Z",
                      "net": 4737.91,
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                  },
                  {
                      "month": "2025-02-01T07:00:00.000Z",
                      "net": 5650.03,
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                  },
                  {
                      "month": "2025-03-01T07:00:00.000Z",
                      "net": 3978.64,
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                  },
                  {
                      "month": "2025-04-01T06:00:00.000Z",
                      "net": 3499.65,
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                  },
                  {
                      "month": "2025-05-01T06:00:00.000Z",
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                  {
                      "month": "2025-06-01T06:00:00.000Z",
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                  },
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                      "month": "2025-07-01T06:00:00.000Z",
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                  },
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                  },
                  {
                      "month": "2025-09-01T06:00:00.000Z",
                      "net": 11304.74,
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                  },
                  {
                      "month": "2025-10-01T06:00:00.000Z",
                      "net": 11373,
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                  },
                  {
                      "month": "2025-11-01T06:00:00.000Z",
                      "net": 6339.68,
                      "gross": 7790.28
                  },
                  {
                      "month": "2025-12-01T07:00:00.000Z",
                      "net": 8156.93,
                      "gross": 10023.34
                  },
                  {
                      "month": "2026-01-01T07:00:00.000Z",
                      "net": 6472.38,
                      "gross": 7953.35
                  },
                  {
                      "month": "2026-02-01T07:00:00.000Z",
                      "net": 5954.44,
                      "gross": 7316.9
                  },
                  {
                      "month": "2026-03-01T07:00:00.000Z",
                      "net": 7413.01,
                      "gross": 9109.21
                  },
                  {
                      "month": "2026-04-01T06:00:00.000Z",
                      "net": 5100.11,
                      "gross": 6267.08
                  },
                  {
                      "month": "2026-05-01T06:00:00.000Z",
                      "net": 5944.8,
                      "gross": 7305.05
                  },
                  {
                      "month": "2026-06-01T06:00:00.000Z",
                      "net": 6818.97,
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                  },
                  {
                      "month": "2026-07-01T06:00:00.000Z",
                      "net": 6873.8,
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                  },
                  {
                      "month": "2026-08-01T06:00:00.000Z",
                      "net": 6314.3,
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                  },
                  {
                      "month": "2026-09-01T06:00:00.000Z",
                      "net": 4942.25,
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                  }
              ]
          },
          {
              "confidence_type": "MODERATE",
              "income_estimate": {
                  "estimated_gross_annual": 118463,
                  "net_annual": 83927.34,
                  "projected_gross_annual": 130005,
                  "projected_net_annual": 89052.02,
                  "average_monthly_net": 6993.95,
                  "average_monthly_gross": 9871.92
              },
              "net_monthly": [
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                      "month": "2024-09-01T06:00:00.000Z",
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                      "month": "2025-01-01T07:00:00.000Z",
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                      "month": "2025-02-01T07:00:00.000Z",
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                  },
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                      "month": "2025-03-01T07:00:00.000Z",
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                  },
                  {
                      "month": "2025-04-01T06:00:00.000Z",
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                  },
                  {
                      "month": "2025-05-01T06:00:00.000Z",
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                  },
                  {
                      "month": "2025-06-01T06:00:00.000Z",
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                  },
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                      "month": "2025-10-01T06:00:00.000Z",
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                  },
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                  },
                  {
                      "month": "2025-12-01T07:00:00.000Z",
                      "net": 8156.93,
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                  },
                  {
                      "month": "2026-01-01T07:00:00.000Z",
                      "net": 6472.38,
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                  },
                  {
                      "month": "2026-02-01T07:00:00.000Z",
                      "net": 5954.44,
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                  },
                  {
                      "month": "2026-03-01T07:00:00.000Z",
                      "net": 9636.68,
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                  },
                  {
                      "month": "2026-04-01T06:00:00.000Z",
                      "net": 5100.11,
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                  },
                  {
                      "month": "2026-05-01T06:00:00.000Z",
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                  },
                  {
                      "month": "2026-06-01T06:00:00.000Z",
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                  },
                  {
                      "month": "2026-07-01T06:00:00.000Z",
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                  },
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                  },
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                      "month": "2026-09-01T06:00:00.000Z",
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                  }
              ]
          },
          {
              "confidence_type": "LOW",
              "income_estimate": {
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                  "projected_gross_annual": 130005,
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                  "average_monthly_net": 8324.66,
                  "average_monthly_gross": 11507.08
              },
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                  },
                  {
                      "month": "2025-03-01T07:00:00.000Z",
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                  },
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                  },
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                  },
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                  },
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                  },
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                  },
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                  },
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                      "month": "2026-07-01T06:00:00.000Z",
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              ]
          }
      ],
      "institutions": [
          {
              "accounts": [
                  {
                      "aggregation_status_code": 0,
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                              "cadence": {
                                  "days": 15,
                                  "start_date": "2024-09-15T12:00:00.000Z",
                                  "stop_date": null
                              },
                              "confidence": 100,
                              "estimate_inclusion": "HIGH",
                              "estimated_gross_annual": 70375,
                              "id": "bdmczjhxc8vj-voi1",
                              "income_stream_months": 25,
                              "name": "rocket surgery",
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                              "net_monthly": [
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                                  },
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                                  {
                                      "month": "2025-01-01T07:00:00.000Z",
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                                  },
                                  {
                                      "month": "2025-02-01T07:00:00.000Z",
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                                  },
                                  {
                                      "month": "2025-03-01T07:00:00.000Z",
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                                  },
                                  {
                                      "month": "2025-04-01T06:00:00.000Z",
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                                  },
                                  {
                                      "month": "2025-05-01T06:00:00.000Z",
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                                  },
                                  {
                                      "month": "2025-06-01T06:00:00.000Z",
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                                  },
                                  {
                                      "month": "2025-07-01T06:00:00.000Z",
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                                  },
                                  {
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                                  },
                                  {
                                      "month": "2025-09-01T06:00:00.000Z",
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                                  },
                                  {
                                      "month": "2025-10-01T06:00:00.000Z",
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                                  },
                                  {
                                      "month": "2025-11-01T06:00:00.000Z",
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                                  },
                                  {
                                      "month": "2025-12-01T07:00:00.000Z",
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                                      "gross": 4930.45
                                  },
                                  {
                                      "month": "2026-01-01T07:00:00.000Z",
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                                      "gross": 4930.44
                                  },
                                  {
                                      "month": "2026-02-01T07:00:00.000Z",
                                      "net": 4032.44,
                                      "gross": 4955.12
                                  },
                                  {
                                      "month": "2026-03-01T07:00:00.000Z",
                                      "net": 3992.37,
                                      "gross": 4905.88
                                  },
                                  {
                                      "month": "2026-04-01T06:00:00.000Z",
                                      "net": 3558.45,
                                      "gross": 4372.67
                                  },
                                  {
                                      "month": "2026-05-01T06:00:00.000Z",
                                      "net": 3603.47,
                                      "gross": 4427.99
                                  },
                                  {
                                      "month": "2026-06-01T06:00:00.000Z",
                                      "net": 4112.56,
                                      "gross": 5053.57
                                  },
                                  {
                                      "month": "2026-07-01T06:00:00.000Z",
                                      "net": 3680.86,
                                      "gross": 4523.09
                                  },
                                  {
                                      "month": "2026-08-01T06:00:00.000Z",
                                      "net": 3645.93,
                                      "gross": 4480.17
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                                      "best_representation": null
                                  },
                                  {
                                      "id": 17238470852,
                                      "amount": 125,
                                      "posted_date": "2024-12-22T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
                                      "memo": "1",
                                      "investment_transaction_type": null,
                                      "normalized_payee": null,
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "best_representation": null
                                  },
                                  {
                                      "id": 17238470829,
                                      "amount": 75,
                                      "posted_date": "2024-12-15T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
                                      "memo": "1",
                                      "investment_transaction_type": null,
                                      "normalized_payee": null,
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "best_representation": null
                                  },
                                  {
                                      "id": 17238470982,
                                      "amount": 120.82,
                                      "posted_date": "2024-11-17T12:00:00.000Z",
                                      "description": "DEPOSIT ID NUMBER 123456",
                                      "memo": null,
                                      "investment_transaction_type": null,
                                      "normalized_payee": null,
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "best_representation": null
                                  },
                                  {
                                      "id": 17238470921,
                                      "amount": 3000,
                                      "posted_date": "2024-10-03T12:00:00.000Z",
                                      "description": "DEPOSIT ID NUMBER 123457",
                                      "memo": null,
                                      "investment_transaction_type": null,
                                      "normalized_payee": null,
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "best_representation": null
                                  },
                                  {
                                      "id": 17238470871,
                                      "amount": 0.22,
                                      "posted_date": "2024-09-03T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
                                      "memo": "1",
                                      "investment_transaction_type": null,
                                      "normalized_payee": null,
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "best_representation": null
                                  }
                              ]
                          },
                          {
                              "average_monthly_income_net": 1315.79,
                              "average_monthly_income_gross": 1616.88,
                              "cadence": {
                                  "days": 49,
                                  "start_date": "2025-11-22T12:00:00.000Z",
                                  "stop_date": "2026-06-05T12:00:00.000Z"
                              },
                              "confidence": 25,
                              "estimate_inclusion": "LOW",
                              "estimated_gross_annual": 12935,
                              "id": "bdmczjhxc8vj-voi6",
                              "income_stream_months": 8,
                              "name": "jaberwocky credit n.a",
                              "net_annual": 10526.31,
                              "net_monthly": [
                                  {
                                      "month": "2025-11-01T06:00:00.000Z",
                                      "net": 2000,
                                      "gross": 2457.63
                                  },
                                  {
                                      "month": "2026-02-01T07:00:00.000Z",
                                      "net": 210.31,
                                      "gross": 258.43
                                  },
                                  {
                                      "month": "2026-05-01T06:00:00.000Z",
                                      "net": 4316,
                                      "gross": 5303.56
                                  },
                                  {
                                      "month": "2026-06-01T06:00:00.000Z",
                                      "net": 4000,
                                      "gross": 4915.25
                                  }
                              ],
                              "projected_gross_annual": 0,
                              "projected_net_annual": 0,
                              "status": "INACTIVE",
                              "transactions": [
                                  {
                                      "id": 17238471007,
                                      "amount": 4000,
                                      "posted_date": "2026-06-05T12:00:00.000Z",
                                      "description": "JABERWOCKY CREDIT N.A. JABERWOCKY",
                                      "memo": "PPD ID: 1234567893",
                                      "investment_transaction_type": null,
                                      "normalized_payee": null,
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "best_representation": null
                                  },
                                  {
                                      "id": 17238471035,
                                      "amount": 2316,
                                      "posted_date": "2026-05-14T12:00:00.000Z",
                                      "description": "JABERWOCKY CREDIT N.A. JABERWOCKY",
                                      "memo": "PPD ID: 1234567893",
                                      "investment_transaction_type": null,
                                      "normalized_payee": null,
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "best_representation": null
                                  },
                                  {
                                      "id": 17238470989,
                                      "amount": 2000,
                                      "posted_date": "2026-05-14T12:00:00.000Z",
                                      "description": "JABERWOCKY CREDIT N.A. JABERWOCKY",
                                      "memo": "PPD ID: 1234567893",
                                      "investment_transaction_type": null,
                                      "normalized_payee": null,
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "best_representation": null
                                  },
                                  {
                                      "id": 17238471021,
                                      "amount": 210.31,
                                      "posted_date": "2026-02-24T12:00:00.000Z",
                                      "description": "JABERWOCKY CREDIT N.A. JABERWOCKY",
                                      "memo": "PPD ID: 1234567893",
                                      "investment_transaction_type": null,
                                      "normalized_payee": null,
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "best_representation": null
                                  },
                                  {
                                      "id": 17238471048,
                                      "amount": 2000,
                                      "posted_date": "2025-11-22T12:00:00.000Z",
                                      "description": "JABERWOCKY CREDIT N.A. JABERWOCKY",
                                      "memo": "PPD ID: 1234567893",
                                      "investment_transaction_type": null,
                                      "normalized_payee": null,
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "best_representation": null
                                  }
                              ]
                          },
                          {
                              "average_monthly_income_net": 185.31,
                              "average_monthly_income_gross": 227.67,
                              "cadence": {
                                  "days": 268,
                                  "start_date": "2024-09-17T12:00:00.000Z",
                                  "stop_date": "2026-03-07T12:00:00.000Z"
                              },
                              "confidence": 50,
                              "estimate_inclusion": "MODERATE",
                              "estimated_gross_annual": 2732,
                              "id": "bdmczjhxc8vj-voi7",
                              "income_stream_months": 19,
                              "name": "cash & atm",
                              "net_annual": 2223.67,
                              "net_monthly": [
                                  {
                                      "month": "2024-09-01T06:00:00.000Z",
                                      "net": 2358.17,
                                      "gross": 2897.75
                                  },
                                  {
                                      "month": "2025-04-01T06:00:00.000Z",
                                      "net": 2358.17,
                                      "gross": 2897.75
                                  },
                                  {
                                      "month": "2026-03-01T07:00:00.000Z",
                                      "net": 2223.67,
                                      "gross": 2732.48
                                  }
                              ],
                              "projected_gross_annual": 0,
                              "projected_net_annual": 0,
                              "status": "INACTIVE",
                              "transactions": [
                                  {
                                      "id": 17238471012,
                                      "amount": 2223.67,
                                      "posted_date": "2026-03-07T12:00:00.000Z",
                                      "description": "ATM CHECK DEPOSIT mm/dd 333 S LS",
                                      "memo": "Some St Somewhere City State",
                                      "investment_transaction_type": null,
                                      "normalized_payee": null,
                                      "institution_transaction": "0000000000",
                                      "category": "Cash & ATM",
                                      "best_representation": null
                                  },
                                  {
                                      "id": 17238470984,
                                      "amount": 2358.17,
                                      "posted_date": "2025-04-17T12:00:00.000Z",
                                      "description": "ATM CHECK DEPOSIT mm/dd 333 S LS",
                                      "memo": "OADWAY AVE OKLAHOMA CITY OK",
                                      "investment_transaction_type": null,
                                      "normalized_payee": null,
                                      "institution_transaction": "0000000000",
                                      "category": "Cash & ATM",
                                      "best_representation": null
                                  },
                                  {
                                      "id": 17238470955,
                                      "amount": 2358.17,
                                      "posted_date": "2024-09-17T12:00:00.000Z",
                                      "description": "ATM CHECK DEPOSIT mm/dd 333 S LS",
                                      "memo": "OADWAY AVE OKLAHOMA CITY OK",
                                      "investment_transaction_type": null,
                                      "normalized_payee": null,
                                      "institution_transaction": "0000000000",
                                      "category": "Cash & ATM",
                                      "best_representation": null
                                  }
                              ]
                          },
                          {
                              "average_monthly_income_net": 3858,
                              "average_monthly_income_gross": 3858,
                              "cadence": {
                                  "days": 0,
                                  "start_date": "2025-10-06T12:00:00.000Z",
                                  "stop_date": "2025-10-06T12:00:00.000Z"
                              },
                              "confidence": 100,
                              "estimate_inclusion": "HIGH",
                              "estimated_gross_annual": 3858,
                              "id": "bdmczjhxc8vj-voi8",
                              "income_stream_months": 1,
                              "name": "internal revenue service",
                              "net_annual": 3858,
                              "net_monthly": [
                                  {
                                      "month": "2025-10-01T06:00:00.000Z",
                                      "net": 3858,
                                      "gross": 3858
                                  }
                              ],
                              "projected_gross_annual": 0,
                              "projected_net_annual": 0,
                              "status": "INACTIVE",
                              "transactions": [
                                  {
                                      "id": 17238470842,
                                      "amount": 3858,
                                      "posted_date": "2025-10-06T12:00:00.000Z",
                                      "description": "IRS TREAS 310 TAX REF",
                                      "memo": "PPD ID: 1234567897",
                                      "investment_transaction_type": null,
                                      "normalized_payee": null,
                                      "institution_transaction": "0000000000",
                                      "category": "Federal Tax",
                                      "best_representation": null
                                  }
                              ]
                          }
                      ],
                      "misc_deposits": [
                          {
                              "amount": 400,
                              "category": "Income",
                              "description": "Credit Return: Online Payment 50",
                              "id": 17238471011,
                              "institution_transaction": "0000000000",
                              "memo": "12345670 To Mary Greatfriend",
                              "posted_date": "2026-08-25T12:00:00.000Z"
                          },
                          {
                              "amount": 290.16,
                              "category": "Income",
                              "description": "Credit Return: Online Payment 44",
                              "id": 17238471040,
                              "institution_transaction": "0000000000",
                              "memo": "12345678 To Dragon Sitters",
                              "posted_date": "2025-10-23T12:00:00.000Z"
                          },
                          {
                              "amount": 19850.17,
                              "category": "Deposit",
                              "description": "DEPOSIT ID NUMBER 123458",
                              "id": 17238470874,
                              "institution_transaction": "0000000000",
                              "memo": null,
                              "posted_date": "2026-01-09T12:00:00.000Z"
                          }
                      ],
                      "name": "Checking",
                      "number": "1111",
                      "owner_address": "7195 BELMONT ST. PARLIN, NJ 08859",
                      "owner_name": "PATRICK & LORRAINE PURCHASER",
                      "transactions": [],
                      "type": "checking"
                  }
              ],
              "id": 102168,
              "name": "FinBank Profiles - B",
              "url_home_app": "http://www.finicity.com"
          }
      ]
  }
  ```
</Accordion>

<Accordion title="Verification of Employment (Banking VOE) — PDF and JSON">
  [PDF](https://res.cloudinary.com/argyle-media/image/upload/v1778709376/docs-2026/VOE_Transactions_Banking_Report.pdf)

  Report PDF

  <Frame>
    <img alt="Image of Verification of Employment (Banking VOE) banking report." />
  </Frame>

  ```json theme={}
  {
      "id": "acbv1wdhitx6-voetransactions",
      "type": "voeTransactions",
      "constraints": {
          "accounts": null,
          "from_date": null,
          "report_custom_fields": null,
          "show_nsf": null
      },
      "status": "success",
      "portfolio": "74bqadmjcm1p-1-port",
      "customer_type": "testing",
      "request_id": "xa9se6p14t",
      "requester_name": "Argyle Systems",
      "end_user": {
          "address": "759 Victoria Plaza",
          "city": "New York",
          "email": null,
          "name": "Loan Officer",
          "phone": "7778889999",
          "state": "NY",
          "url": null,
          "zip": "10014"
      },
      "created_date": "2026-05-13T21:53:05.000Z",
      "title": "Mastercard Open Banking Verification of Employment - Transactions",
      "consumer": "590a2b7b904c2762d4c4a94f4a05b083",
      "consumer_ssn": "6789",
      "dispute_statement": null,
      "start_date": "2026-01-13T22:53:05.000Z",
      "end_date": "2026-05-13T21:53:05.000Z",
      "days": 119,
      "seasoned": false,
      "institutions": [
          {
              "accounts": [
                  {
                      "id": 9022110214,
                      "number": "1111",
                      "owner_name": "PATRICK & LORRAINE PURCHASER",
                      "owner_address": "7195 BELMONT ST. PARLIN, NJ 08859",
                      "owner_as_of_date": null,
                      "name": "Checking",
                      "type": "checking",
                      "currency": "USD",
                      "aggregation_status_code": 0,
                      "income_streams": [
                          {
                              "id": "acbv1wdhitx6-voetransactions1",
                              "name": "check-cash deposit",
                              "status": "ACTIVE",
                              "estimate_inclusion": "HIGH",
                              "confidence": 100,
                              "cadence": {
                                  "start_date": "2024-06-02T12:00:00.000Z",
                                  "stop_date": null,
                                  "days": 16
                              },
                              "days_since_last_transaction": 0,
                              "next_expected_transaction_date": "2026-05-29T12:00:00.000Z",
                              "income_stream_months": 5,
                              "transactions": [
                                  {
                                      "id": 13713459123,
                                      "amount": null,
                                      "posted_date": "2026-01-24T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
                                      "memo": "1",
                                      "normalized_payee": "Remote Online",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459206,
                                      "amount": null,
                                      "posted_date": "2026-03-07T12:00:00.000Z",
                                      "description": "ATM CHECK DEPOSIT mm/dd 333 S LS",
                                      "memo": "Some St Somewhere City State",
                                      "normalized_payee": "Atm",
                                      "institution_transaction": "0000000000",
                                      "category": "Cash & ATM",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459226,
                                      "amount": null,
                                      "posted_date": "2026-03-19T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
                                      "memo": "1",
                                      "normalized_payee": "Remote Online",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459023,
                                      "amount": null,
                                      "posted_date": "2026-03-24T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
                                      "memo": "1",
                                      "normalized_payee": "Remote Online",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459104,
                                      "amount": null,
                                      "posted_date": "2026-04-01T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
                                      "memo": "1",
                                      "normalized_payee": "Remote Online",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459075,
                                      "amount": null,
                                      "posted_date": "2026-04-01T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
                                      "memo": "1",
                                      "normalized_payee": "Remote Online",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459134,
                                      "amount": null,
                                      "posted_date": "2026-04-25T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
                                      "memo": "1",
                                      "normalized_payee": "Remote Online",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459182,
                                      "amount": null,
                                      "posted_date": "2026-05-09T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
                                      "memo": "1",
                                      "normalized_payee": "Remote Online",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459153,
                                      "amount": null,
                                      "posted_date": "2026-05-09T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
                                      "memo": "1",
                                      "normalized_payee": "Remote Online",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459125,
                                      "amount": null,
                                      "posted_date": "2026-05-13T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
                                      "memo": "1",
                                      "normalized_payee": "Remote Online",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  }
                              ]
                          },
                          {
                              "id": "acbv1wdhitx6-voetransactions2",
                              "name": "mad science research",
                              "status": "ACTIVE",
                              "estimate_inclusion": "HIGH",
                              "confidence": 100,
                              "cadence": {
                                  "start_date": "2024-12-12T12:00:00.000Z",
                                  "stop_date": null,
                                  "days": 22
                              },
                              "days_since_last_transaction": 11,
                              "next_expected_transaction_date": "2026-05-24T12:00:00.000Z",
                              "income_stream_months": 5,
                              "transactions": [
                                  {
                                      "id": 13713459054,
                                      "amount": null,
                                      "posted_date": "2026-01-26T12:00:00.000Z",
                                      "description": "Mad Science Research PR PAYMENT",
                                      "memo": "PPD ID: 1234567899",
                                      "normalized_payee": "Mad Science Research",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459096,
                                      "amount": null,
                                      "posted_date": "2026-02-10T12:00:00.000Z",
                                      "description": "Mad Science Research PR PAYMENT",
                                      "memo": "PPD ID: 1234567899",
                                      "normalized_payee": "Mad Science Research",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459067,
                                      "amount": null,
                                      "posted_date": "2026-02-24T12:00:00.000Z",
                                      "description": "Mad Science Research PR PAYMENT",
                                      "memo": "PPD ID: 1234567899",
                                      "normalized_payee": "Mad Science Research",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459087,
                                      "amount": null,
                                      "posted_date": "2026-03-07T12:00:00.000Z",
                                      "description": "Mad Science Research PR PAYMENT",
                                      "memo": "PPD ID: 1234567899",
                                      "normalized_payee": "Mad Science Research",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459037,
                                      "amount": null,
                                      "posted_date": "2026-03-21T12:00:00.000Z",
                                      "description": "Mad Science Research PR PAYMENT",
                                      "memo": "PPD ID: 1234567899",
                                      "normalized_payee": "Mad Science Research",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459027,
                                      "amount": null,
                                      "posted_date": "2026-04-04T12:00:00.000Z",
                                      "description": "Mad Science Research PR PAYMENT",
                                      "memo": "PPD ID: 1234567899",
                                      "normalized_payee": "Mad Science Research",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459057,
                                      "amount": null,
                                      "posted_date": "2026-04-18T12:00:00.000Z",
                                      "description": "Mad Science Research PR PAYMENT",
                                      "memo": "PPD ID: 1234567899",
                                      "normalized_payee": "Mad Science Research",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459230,
                                      "amount": null,
                                      "posted_date": "2026-05-02T12:00:00.000Z",
                                      "description": "Mad Science Research PR PAYMENT",
                                      "memo": "PPD ID: 1234567899",
                                      "normalized_payee": "Mad Science Research",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  }
                              ]
                          },
                          {
                              "id": "acbv1wdhitx6-voetransactions3",
                              "name": "rocket surgery",
                              "status": "ACTIVE",
                              "estimate_inclusion": "HIGH",
                              "confidence": 100,
                              "cadence": {
                                  "start_date": "2024-06-01T12:00:00.000Z",
                                  "stop_date": null,
                                  "days": 15
                              },
                              "days_since_last_transaction": 12,
                              "next_expected_transaction_date": "2026-05-16T12:00:00.000Z",
                              "income_stream_months": 5,
                              "transactions": [
                                  {
                                      "id": 13713459018,
                                      "amount": null,
                                      "posted_date": "2026-01-15T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "memo": "PPD ID: 1234567892",
                                      "normalized_payee": "Rocket Surgery",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459222,
                                      "amount": null,
                                      "posted_date": "2026-02-01T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "memo": "PPD ID: 1234567892",
                                      "normalized_payee": "Rocket Surgery",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459050,
                                      "amount": null,
                                      "posted_date": "2026-02-15T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "memo": "PPD ID: 1234567892",
                                      "normalized_payee": "Rocket Surgery",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459111,
                                      "amount": null,
                                      "posted_date": "2026-03-01T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "memo": "PPD ID: 1234567892",
                                      "normalized_payee": "Rocket Surgery",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459166,
                                      "amount": null,
                                      "posted_date": "2026-03-15T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "memo": "PPD ID: 1234567892",
                                      "normalized_payee": "Rocket Surgery",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459221,
                                      "amount": null,
                                      "posted_date": "2026-04-01T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "memo": "PPD ID: 1234567892",
                                      "normalized_payee": "Rocket Surgery",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459198,
                                      "amount": null,
                                      "posted_date": "2026-04-15T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "memo": "PPD ID: 1234567892",
                                      "normalized_payee": "Rocket Surgery",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459034,
                                      "amount": null,
                                      "posted_date": "2026-05-01T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "memo": "PPD ID: 1234567892",
                                      "normalized_payee": "Rocket Surgery",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  }
                              ]
                          },
                          {
                              "id": "acbv1wdhitx6-voetransactions4",
                              "name": "irs treas",
                              "status": "INACTIVE",
                              "estimate_inclusion": "HIGH",
                              "confidence": 100,
                              "cadence": {
                                  "start_date": "2025-10-06T12:00:00.000Z",
                                  "stop_date": "2025-10-06T12:00:00.000Z",
                                  "days": 0
                              },
                              "days_since_last_transaction": null,
                              "next_expected_transaction_date": null,
                              "income_stream_months": null,
                              "transactions": []
                          },
                          {
                              "id": "acbv1wdhitx6-voetransactions5",
                              "name": "secret agent staffing",
                              "status": "INACTIVE",
                              "estimate_inclusion": "HIGH",
                              "confidence": 100,
                              "cadence": {
                                  "start_date": "2024-07-25T12:00:00.000Z",
                                  "stop_date": "2025-06-28T12:00:00.000Z",
                                  "days": 18
                              },
                              "days_since_last_transaction": null,
                              "next_expected_transaction_date": null,
                              "income_stream_months": null,
                              "transactions": []
                          },
                          {
                              "id": "acbv1wdhitx6-voetransactions6",
                              "name": "veridiandynamics payroll ppd id",
                              "status": "INACTIVE",
                              "estimate_inclusion": "HIGH",
                              "confidence": 100,
                              "cadence": {
                                  "start_date": "2024-06-19T12:00:00.000Z",
                                  "stop_date": "2025-04-11T12:00:00.000Z",
                                  "days": 59
                              },
                              "days_since_last_transaction": null,
                              "next_expected_transaction_date": null,
                              "income_stream_months": null,
                              "transactions": []
                          },
                          {
                              "id": "acbv1wdhitx6-voetransactions7",
                              "name": "exspensor",
                              "status": "INACTIVE",
                              "estimate_inclusion": "LOW",
                              "confidence": 25,
                              "cadence": {
                                  "start_date": "2024-07-08T12:00:00.000Z",
                                  "stop_date": "2025-03-17T12:00:00.000Z",
                                  "days": 50
                              },
                              "days_since_last_transaction": null,
                              "next_expected_transaction_date": null,
                              "income_stream_months": null,
                              "transactions": []
                          }
                      ]
                  }
              ],
              "id": 102168,
              "name": "FinBank Profiles - B",
              "url_home_app": "http://www.finicity.com"
          }
      ],
      "user": "019e2352-921f-babc-568b-c1cfe44e0216"
  }
  ```
</Accordion>

<Accordion title="Verification of Income (Doc VOI) — PDF and JSON">
  [PDF](https://res.cloudinary.com/argyle-media/image/upload/v1778710602/docs-2026/Doc_VOI.pdf)

  Report PDF

  <Frame>
    <img alt="Image of Verification of Income (Doc VOI) report." />
  </Frame>

  ```json theme={}
  {
      "report_id": "02889578-fb0f-4fb5-8ee3-f2d8f3f8116b",
      "type": "doc-voi-mortgage",
      "user_id": "019e2367-129d-98d2-8ff0-56660fee2c83",
      "external_id": null,
      "created_at": "2026-05-13T22:15:55.226Z",
      "last_synced_at": null,
      "metadata": {
          "aim_check": {
              "status": "available",
              "employments": [
                  {
                      "employer": "WAREHOUSE SERVICES INC",
                      "eligibility": true,
                      "eligibility_issues": []
                  }
              ],
              "reference_id": "FM-0850681-02889578-fb0f-4fb5-8ee3-f2d8f3f8116b"
          }
      },
      "documents": [
          {
              "id": "019e2368-ceb6-102e-7c0f-4e4a957b53de",
              "employer": "WAREHOUSE SERVICES INC",
              "document_type": "paystubs",
              "pay_date": "2026-05-12",
              "pay_period_start_date": "2026-04-27",
              "pay_period_end_date": "2026-05-12",
              "year": null
          },
          {
              "id": "019e2369-1776-fe80-14a7-326a45f5c619",
              "employer": "WAREHOUSE SERVICES INC",
              "document_type": "paystubs",
              "pay_date": "2025-12-15",
              "pay_period_start_date": "2025-12-01",
              "pay_period_end_date": "2025-12-15",
              "year": null
          },
          {
              "id": "019e2368-f4d7-01e7-544c-39b0871f0bf4",
              "employer": "WAREHOUSE SERVICES INC",
              "document_type": "paystubs",
              "pay_date": "2024-12-15",
              "pay_period_start_date": "2024-12-01",
              "pay_period_end_date": "2024-12-15",
              "year": null
          }
      ],
      "employments": [
          {
              "employment": null,
              "account": null,
              "last_synced_at": null,
              "source": "Doc Upload",
              "first_name": null,
              "last_name": null,
              "full_name": "BOB JONES",
              "birth_date": null,
              "ssn": "123456789",
              "phone_number": null,
              "email": null,
              "employee_address": {
                  "line1": "1234 MAIN STREET",
                  "line2": null,
                  "city": "BALTIMORE",
                  "state": "MD",
                  "postal_code": "20600",
                  "country": null
              },
              "employer": "WAREHOUSE SERVICES INC",
              "employer_address": {
                  "line1": "22122 U.S. 12877",
                  "line2": null,
                  "city": "ARLINGTON",
                  "state": "IL",
                  "postal_code": "60004",
                  "country": null
              },
              "status": "active",
              "employment_type": null,
              "job_title": null,
              "base_pay": null,
              "pay_cycle": "semimonthly",
              "start_date": "2023-02-01",
              "original_hire_date": "2023-02-01",
              "end_date": null,
              "length_of_work": null,
              "last_pay_period_end_date": "2026-05-12",
              "last_paystub_date": "2026-05-12",
              "income": [
                  {
                      "period": "2026",
                      "currency": "USD",
                      "gross_pay": {
                          "total": "49203.85",
                          "base": "45503.85",
                          "overtime": "14400.00",
                          "bonus": "16900.00",
                          "commission": null,
                          "other": null
                      }
                  },
                  {
                      "period": "2025",
                      "currency": "USD",
                      "gross_pay": {
                          "total": "49203.85",
                          "base": "45503.85",
                          "overtime": "14400.00",
                          "bonus": "16900.00",
                          "commission": null,
                          "other": null
                      }
                  },
                  {
                      "period": "2024",
                      "currency": "USD",
                      "gross_pay": {
                          "total": "49203.85",
                          "base": "45503.85",
                          "overtime": "14400.00",
                          "bonus": "16900.00",
                          "commission": null,
                          "other": null
                      }
                  }
              ],
              "monthly_income": {
                  "aim_check": {
                      "total": "6400.32",
                      "base": "3791.99",
                      "overtime": "1200.00",
                      "bonus": "1408.33",
                      "commission": "0.00",
                      "other": "0.00"
                  }
              },
              "callouts": []
          }
      ]
  }
  ```
</Accordion>


# Testing
Source: https://docs.argyle.com/partners/testing

Test each verification type in Sandbox.

Use Sandbox API keys for your partner integration and the customer `client` ID provided by Argyle. Follow the [Partner Quickstart](/partners/quickstart) before testing the profiles below. This page adds the product-specific profiles and files used to test payroll, banking, and Doc VOI verifications.

## Payroll test profiles

Use Argyle's [sample user credentials](https://docs.argyle.com/overview/sandbox-testing#connect-sample-users) in Link to connect to:

* **Sandbox**: any employer or payroll provider
* **Production**: `Platformtronic` or `Employertronic`

For specific scenario testing, the following sample users are also available:

|                    | Homer Loanseeker                          | Suzi Builder                          | Andy Freddie                             |
| ------------------ | ----------------------------------------- | ------------------------------------- | ---------------------------------------- |
| Email              | homer\_loanseeker<span>@</span>argyle.com | suzi\_builder<span>@</span>argyle.com | andy\_freddie<span>@</span>argyle.com    |
| Username           | homer\_loanseeker                         | suzi\_builder                         | andy\_freddie                            |
| Password           | passgood                                  | passgood                              | passgood                                 |
| Verification code  | 9081                                      | 9084                                  | 9088                                     |
| Phone number       | (800) 900-0101                            | (800) 900-0104                        | (800) 900-0108                           |
| Driver's license # | D1230101                                  | D1230104                              | D1230108                                 |
| **Returns**        | **1 active employment**                   | **2 active employments**              | **1 active and 1 terminated employment** |

## Banking test profiles

<Note>
  When you're ready to begin testing, contact your Argyle Customer Success Manager to enable banking permissions.
</Note>

<Warning>
  The Sandbox testing environment for banking supports a maximum of 500 users. To stay within this limit, implement user-management workflows and remove inactive users when they are no longer needed.
</Warning>

The following sample test profiles can be connected to:

* **Sandbox**: connect to `FinBank Profiles A` or `FinBank Profiles B`
* **Production**: connect to `FinBank Billable` or `FinBank Oauth Billable`

| Username    | Password    | Account types                                                                  | Supported products                     |
| ----------- | ----------- | ------------------------------------------------------------------------------ | -------------------------------------- |
| profile\_02 | profile\_02 | Savings, IRA, 401k, Credit Card                                                | `voa`, `voi`, `voai`                   |
| profile\_03 | profile\_03 | Checking, Personal Investment, 401K, Roth, Savings (Joint Account owners)      | `voa`, `voi`, `voai`                   |
| profile\_04 | profile\_04 | Checking, 403B, 529, Rollover, Mortgage                                        | `voa`, `voi`, `voai`                   |
| profile\_05 | profile\_05 | Checking, Investment, Stocks, UGMA, UTMA (Joint Account owners)                | `voa`, `voi`, `voai`                   |
| profile\_06 | profile\_06 | Checking, Retirement, KEOGH, 457, Credit Card                                  | `voa`, `voi`, `voai`                   |
| profile\_07 | profile\_07 | Checking, Stocks, CD, Investment Tax-Deferred, Employee Stock                  | `voa`, `voi`, `voai`                   |
| profile\_08 | profile\_08 | Checking, Primary Savings, Money Market, 401A, Line of credit                  | `voa`, `voi`, `voai`                   |
| profile\_09 | profile\_09 | Checking, Savings, Checking failed report. Errors include `102`, `103`, `185`. | `voa`, `voi`, `voai` *(failed report)* |

For specific scenario testing, the following sample users are also available:

|             | Sue Wealthy                                                                                                                                                                                                                                                                                             | River Paycheck                                                                                                                                                                                                                                                            | Alex Student                                                                                                                                                                                                                                                                                                                                   |
| ----------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Username    | sue\_wealthy                                                                                                                                                                                                                                                                                            | river\_paycheck                                                                                                                                                                                                                                                           | alex\_student                                                                                                                                                                                                                                                                                                                                  |
| Password    | profile\_700                                                                                                                                                                                                                                                                                            | profile\_703                                                                                                                                                                                                                                                              | profile\_704                                                                                                                                                                                                                                                                                                                                   |
| Description | Sue is working as a Product Manager with a good steady income, a mortgage, and multiple investment accounts. She has a loan account and leases a car. Sue travels a few times a year. She has typical expenses like groceries, clothes, entertainment, gym membership, car expenses, and she has a pet. | River works in construction. He rents an apartment and has typical expenses like groceries, clothes, entertainment, household and car expenses. He has some savings but no investments, no loans and no credit cards. In some months, River's expenses exceed his income. | Alex is working full-time with a good salary but she is still paying off her student loan. She makes regular monthly repayments, but she still has over \$30,000 to pay off. Alex has typical expenses like groceries, clothes, entertainment, household, and car expenses. She has limited savings and she has started an investment account. |

## Doc VOI test documents

<Note>
  When you're ready to begin testing, contact your Argyle Customer Success Manager to enable document permissions.
</Note>

Use the sample documents below for Doc VOI verifications.

For all scenarios below, order a document verification with the following `employments` value:

```json theme={}
"employments": [
  {
    "employer": "Warehouse Services Inc",
    "status": "active",
    "hire_date": "2023-02-01",
    "termination_date": null
  }
]
```

<Warning>
  Do not adjust file names.
</Warning>

<Tabs>
  <Tab title="Sandbox">
    <AccordionGroup>
      <Accordion title="GSE-eligible monthly income">
        Upload the following documents:

        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/Warehouse_Services_Inc_paystub.pdf">Warehouse\_Services\_Inc\_paystub.pdf</a>
        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/Warehouse_Services_Inc_paystub_2025.pdf">Warehouse\_Services\_Inc\_paystub\_2025.pdf</a>
        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/Warehouse_Services_Inc_paystub_2024.pdf">Warehouse\_Services\_Inc\_paystub\_2024.pdf</a>
      </Accordion>

      <Accordion title="Not GSE-eligible monthly income">
        Upload the following documents:

        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2025/Warehouse_Services_Inc_paystub_ineligible.pdf">Warehouse\_Services\_Inc\_paystub\_ineligible.pdf</a>
        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/Warehouse_Services_Inc_paystub_2025.pdf">Warehouse\_Services\_Inc\_paystub\_2025.pdf</a>
        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2025/Warehouse_Services_Inc_paystub_2024.pdf">Warehouse\_Services\_Inc\_paystub\_2024.pdf</a>
      </Accordion>

      <Accordion title="Requires more data">
        Upload only the following document:

        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/Warehouse_Services_Inc_paystub.pdf">Warehouse\_Services\_Inc\_paystub.pdf</a>
      </Accordion>
    </AccordionGroup>
  </Tab>

  <Tab title="Production">
    <Note>
      Production testing can be done with real documents. If needed, use the sample files below.
    </Note>

    <AccordionGroup>
      <Accordion title="GSE-eligible monthly income">
        Upload the following documents:

        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/sandbox_Warehouse_Services_Inc_paystub.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub.pdf</a>
        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/sandbox_Warehouse_Services_Inc_paystub_2025.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub\_2025.pdf</a>
        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/sandbox_Warehouse_Services_Inc_paystub_2024.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub\_2024.pdf</a>
      </Accordion>

      <Accordion title="Not GSE-eligible monthly income">
        Upload the following documents:

        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2025/sandbox_Warehouse_Services_Inc_paystub_ineligible.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub\_ineligible.pdf</a>
        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/sandbox_Warehouse_Services_Inc_paystub_2025.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub\_2025.pdf</a>
        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/sandbox_Warehouse_Services_Inc_paystub_2024.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub\_2024.pdf</a>
      </Accordion>

      <Accordion title="Requires more data">
        Upload only the following document:

        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/sandbox_Warehouse_Services_Inc_paystub.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub.pdf</a>
      </Accordion>
    </AccordionGroup>
  </Tab>
</Tabs>


# Verification Statuses
Source: https://docs.argyle.com/partners/verification-statuses

Track verification status changes and retrieve completed report results.

Use verification webhooks as the source of truth for backend lifecycle tracking. SDK callbacks can update the immediate frontend experience, but they do not replace verification status updates.

## Subscribe to webhooks

Subscribe to the [`verifications.updated`](/api-reference/partners-webhooks/updated) webhook to track lifecycle events.

<Note>
  Set `config.include_resource = true` so the webhook payload contains the full verification object inside `data.resource`.
</Note>

The most common verification `status.code` values are:

| Status code              | Meaning                                                              |
| ------------------------ | -------------------------------------------------------------------- |
| `pending`                | Verification created; user action may still be required.             |
| `user_session_started`   | User opened the connection flow.                                     |
| `authenticated`          | User authenticated and processing has started.                       |
| `awaiting_certification` | Government verification is waiting for applicant self-certification. |
| `documents_processing`   | Uploaded documents are processing.                                   |
| `report_generating`      | The report is generating.                                            |
| `completed`              | The report is ready to retrieve.                                     |
| `completed_with_errors`  | The report is ready, but contains limitations or deficiencies.       |

These are the primary lifecycle updates. See [`status`](/api-reference/partners-verifications/retrieve-a-verification#response-status) for all state transitions and their meanings.

## Download reports and JSON

When `status.code` is `completed` or `completed_with_errors`, the `report` object contains:

* `file_url` — PDF report
* `json_url` — report in JSON format

<Accordion title="Example webhook">
  ```json theme={}
  {
    "event": "verifications.updated",
    "name": "name-for-the-webhook-subscription",
    "data": {
      "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
      "verification": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
      "resource": {
        "id": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
        "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
        "created_at": "2023-03-09T16:22:06.081Z",
        "updated_at": "2023-03-09T16:22:06.081Z",
        "channel": "api",
        "status": {
          "state": "COMPLETED",
          "code": "completed",
          "errors": []
        },
        "report": {
          "id": "2a14ce6f-3aed-4c15-8ea2-92a17b6edb95",
          "type": "doc-voi-mortgage",
          "file_url": "www.argyle.com/storagename/pdf",
          "json_url": "www.argyle.com/storagename/json"
        },
        "employments": [
          {
            "employer": "Starbucks",
            "status": "active",
            "hire_date": "2015-08-28",
            "termination_date": null
          }
        ],
        "loan": {
          "number": "1234",
          "borrower_id": "ABC789",
          "application_id": "2121313",
          "officer_email": "john.doe@mortgage.com"
        },
        "billing": {
          "cost_center": "5"
        },
        "data_source": "documents"
      }
    }
  }
  ```
</Accordion>

GET requests to `file_url` and `json_url` require [Argyle authentication headers](/verifications/platform-partners#authentication).


# Banking Verifications
Source: https://docs.argyle.com/partners/verification-types/banking

Order asset, income, and transaction reports from financial accounts.

Use a banking verification when the user will connect financial accounts and share the information required for an asset, income, or transaction report.

## Create or re-use a user

If the person already has an Argyle user for the same customer, reuse that user ID across payroll, banking, and document workflows. [Update the existing user](/api-reference/partners-verifications/update-a-user) with any missing banking details before ordering the verification.

Banking verifications require:

* `first_name` and `last_name`.
* `address`.
* Either `ssn` or `birth_date`.
* Either `email` or `phone_number`.

For a new user, send the following body to [`POST /partners/v2/users`](/api-reference/partners-verifications/create-a-user). This example uses `birth_date` and `email`.

Your Argyle Customer Success Manager will provide a `client` ID for each customer. Include it when creating the user so their records are associated with the correct customer. The `client` identifies the organization, not the person sharing information.

```json theme={}
{
  "client": "39096494-45c8-4fd8-9454-3d1cb2d62db7",
  "external_metadata": {
    "suppress_verification": true
  },
  "first_name": "Jane",
  "last_name": "Doe",
  "email": "jane@example.com",
  "address": {
    "city": "New York",
    "line1": "123 Main St",
    "state": "NY",
    "country": "US",
    "postal_code": "10001"
  },
  "birth_date": {
    "year": 1990,
    "month": 1,
    "day": 13
  }
}
```

<Note>
  Set `external_metadata.suppress_verification` to `true` to prevent an automatic payroll verification when creating the user. Then explicitly order the verification you need.
</Note>

Store the returned user `id` and use it as `user` when ordering the verification below.

## Order a banking verification

* `voa` — Verification of Assets.
* `voai` — Verification of Assets and Income.
* `voi` — Verification of Income.
* `voe-transactions` — Verification of Employment based on transaction data.

Send the following body to [`POST /partners/v2/verifications`](/api-reference/partners-verifications/order-a-verification). Select the report type in `report.type`. The optional `report.configuration` object can define the history start date, income confidence threshold, and report custom fields.

```json theme={}
{
  "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
  "report": {
    "type": "voai",
    "configuration": {
      "from_date": "2024-01-01T00:00:00Z",
      "income_stream_confidence_minimum": 50,
      "report_custom_fields": [
        {
          "label": "loanID",
          "value": "12345",
          "shown": true
        }
      ]
    }
  }
}
```

## Choose a session type

After ordering the verification, create an embedded session or send an invite.

<Frame>
  <img alt="A user connects financial accounts for a banking verification." />
</Frame>

### Embedded banking

Create a session with [`POST /partners/v2/sessions`](/api-reference/partners-verifications/create-a-session), then pass the returned session `link` to the banking SDK as `connectURL`.

<Accordion title="Banking SDK example">
  ```html theme={}
  <div id="connect-container"></div>

  <script type="module">
    import { Connect } from 'https://cdn.openbanking.mastercard.com/js/connect-web-sdk@2.2.0/mastercard-connect-esm.min.js'

    const connectURL = 'SESSION_LINK'
    const eventHandlers = {
      onDone: event => console.log('Connection successful', event),
      onCancel: event => console.log('User cancelled', event),
      onError: event => console.log('Banking flow error', event)
    }

    Connect.launch(connectURL, eventHandlers, {
      popup: false,
      selector: '#connect-container'
    })
  </script>
  ```
</Accordion>

Use SDK callbacks for immediate frontend handling. Subscribe to the [`verifications.updated`](/api-reference/partners-webhooks/updated) webhook for backend lifecycle tracking.

For SDK installation and configuration options, see the <a href="https://developer.mastercard.com/open-finance-us/documentation/connect/integrating/sdk/web-sdk/sdk/">banking SDK documentation</a>.

### Email or SMS invite

Create an invite session with `type = invite`, the user ID, and an email address, phone number, or both. The user must have an active banking verification. The invitation opens a hosted connection flow, so no frontend SDK initialization is required.

<Note>
  Banking invites and other hosted or no-SDK banking paths must be enabled by Argyle before use. Contact your Argyle Customer Success Manager before using one of these paths.
</Note>

See the [Quickstart invite example](/partners/quickstart#invites).

## Result

Wait for the [`verifications.updated`](/api-reference/partners-webhooks/updated) webhook. When the verification reaches `completed` or `completed_with_errors`, retrieve the report from `report.file_url` or `report.json_url`.

* See [Verification Statuses](/partners/verification-statuses).
* Review the [banking report examples](/partners/reports-and-source-documents#banking-voa).
* Use the [banking test profiles](/partners/testing#banking-test-profiles).


# Doc VOI
Source: https://docs.argyle.com/partners/verification-types/document-voi

Order a mortgage income report from uploaded documents.

Doc VOI uses paystubs and year-end income documents to support mortgage income calculations when a direct payroll connection is not used.

<Note>
  Doc VOI is designed for mortgage workflows. For standalone document collection, OCR, and authenticity, use [Document Uploads](/workflows/document-processing).
</Note>

## Create or re-use a user

If the person already has an Argyle user for the same customer, reuse that user ID across payroll, banking, and document workflows. [Update the existing user](/api-reference/partners-verifications/update-a-user) with any missing details before ordering Doc VOI. The required fields are `first_name`, `last_name`, and `ssn`.

For a new user, send the following body to [`POST /partners/v2/users`](/api-reference/partners-verifications/create-a-user):

Your Argyle Customer Success Manager will provide a `client` ID for each customer. Include it when creating the user so their records are associated with the correct customer. The `client` identifies the organization, not the person sharing information.

```json theme={}
{
  "client": "39096494-45c8-4fd8-9454-3d1cb2d62db7",
  "external_metadata": {
    "suppress_verification": true
  },
  "first_name": "Jane",
  "last_name": "Doe",
  "ssn": "000-00-0000"
}
```

<Note>
  Set `external_metadata.suppress_verification` to `true` to prevent an automatic payroll verification when creating the user. Then explicitly order the verification you need.
</Note>

Store the returned user `id`. Use the same ID when ordering the verification and uploading its documents.

## Order a Doc VOI verification

Send the following body to [`POST /partners/v2/verifications`](/api-reference/partners-verifications/order-a-verification). Set `report.type` to `doc-voi-mortgage` and include the employment details represented by the documents.

```json theme={}
{
  "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
  "employments": [
    {
      "employer": "Warehouse Services Inc",
      "status": "active",
      "hire_date": "2023-02-01",
      "termination_date": null
    }
  ],
  "report": {
    "type": "doc-voi-mortgage"
  }
}
```

## Required documents

For each employment, provide:

* The most recent paystub.
* A W-2 or December/year-end paystub for each required prior year.

The employment names and dates in the verification order should match the uploaded documents. The required history can vary by employment and mortgage workflow. If the verification enters `more_data_required`, upload the additional requested documents for the same user.

## Upload documents

After ordering the verification, upload each document for the same user through [`POST /partners/v2/user-uploads`](/api-reference/partners-verifications/upload-a-document). A Doc VOI verification does not require a payroll or banking session.

<Frame>
  <img alt="Doc VOI report PDF." />
</Frame>

## Result

Wait for the [`verifications.updated`](/api-reference/partners-webhooks/updated) webhook while documents are processed and the report is generated. Retrieve the completed report from `report.file_url` or `report.json_url`.

* See [Verification Statuses](/partners/verification-statuses).
* Follow [Doc VOI re-verification](/partners/re-verification#doc-voi-with-new-documents) when updated documents are required.
* Use the [Doc VOI test files](/partners/testing#doc-voi-test-documents).


# Payroll Verifications
Source: https://docs.argyle.com/partners/verification-types/payroll

Order income and employment reports from payroll accounts.

Use a payroll verification when the user will connect an employer or payroll-provider account and share income or employment information straight from the source.

## Create or re-use a user

If the person already has an Argyle user for the same customer, reuse that user ID across payroll, banking, and document workflows. [Update the existing user](/api-reference/partners-verifications/update-a-user) if either `first_name` or `last_name` is missing; both are required for payroll verifications.

For a new user, send the following body to [`POST /partners/v2/users`](/api-reference/partners-verifications/create-a-user):

Your Argyle Customer Success Manager will provide a `client` ID for each customer. Include it when creating the user so their records are associated with the correct customer. The `client` identifies the organization, not the person sharing information.

```json theme={}
{
  "client": "39096494-45c8-4fd8-9454-3d1cb2d62db7",
  "external_metadata": {
    "suppress_verification": true
  },
  "first_name": "Jane",
  "last_name": "Doe"
}
```

<Note>
  Set `external_metadata.suppress_verification` to `true` to prevent an automatic payroll verification when creating the user. Then explicitly order the verification you need.
</Note>

Store the returned user `id` and use it as `user` when ordering the verification below.

## Order a payroll verification

* `voie` — Verification of Income and Employment.
* `voe` — Verification of Employment.

Send the following body to [`POST /partners/v2/verifications`](/api-reference/partners-verifications/order-a-verification), using the required type in `report.type`:

```json theme={}
{
  "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
  "report": {
    "type": "voie"
  }
}
```

## Government payroll

`voie-government` is a payroll report type for government benefits workflows. The workflow can include applicant self-certification and other program-specific steps. See [Government Benefits](/verticals/government-benefits).

## User experience

[Create an embedded or invite session](/partners/quickstart#create-a-session) after ordering the verification. The user opens Link, finds each relevant employer or payroll provider, and connects the corresponding account.

<Frame>
  <img alt="Link is where payroll accounts are connected through Argyle." />
</Frame>

Use the returned session `link` with the [Web SDK](/link/initialization/web#initialize-with-connecturl), [Mobile SDKs](/link/initialization/mobile-sdks), or [Hosted Link](/link/initialization/hosted-link).

## Result

Wait for the [`verifications.updated`](/api-reference/partners-webhooks/updated) webhook. When the verification reaches `completed` or `completed_with_errors`, retrieve the report from `report.file_url` or `report.json_url`.

* See [Verification Statuses](/partners/verification-statuses).
* Review the [Payroll VOIE example](/partners/reports-and-source-documents#payroll-voie).
* Use the [payroll test profiles](/partners/testing#payroll-test-profiles) in Sandbox.


# Wholesale Mortgage
Source: https://docs.argyle.com/partners/wholesale-mortgage

Send broker-branded borrower invites through the Verifications API.

Wholesale lenders can use the Verifications API to send borrower invites that display the mortgage broker's name and contact details. Borrowers use Argyle to share their income, employment, and asset information with the lender.

The lender's application manages the broker's ordering workflow. For ordering through Encompass, see [TPO Connect](/integrations/pos-los/encompass/tpo-connect).

## Before you begin

* Follow the [Quickstart](/partners/quickstart) for authentication and verification setup.
* The wholesale lender's Argyle account must be configured for the Mortgage industry. Contact your Customer Success Manager if you need help with this setting.
* Associate users and verifications with the lender. Broker details customize the borrower experience; brokers do not need separate Argyle accounts or API keys.

## Add broker details to the borrower

When you [create a user](/api-reference/partners-verifications/create-a-user), include `external_metadata.broker`. For an existing borrower, [update the user](/api-reference/partners-verifications/update-a-user) before creating the invite.

Your Argyle Customer Success Manager will provide a `client` ID for each customer. Include it when creating the user so their records are associated with the correct customer. The `client` identifies the organization, not the person sharing information.

```json theme={}
{
  "client": "39096494-45c8-4fd8-9454-3d1cb2d62db7",
  "first_name": "John",
  "last_name": "Smith",
  "email": "john.smith@example.com",
  "external_metadata": {
    "suppress_verification": true,
    "broker": {
      "name": "Jane Diaz",
      "email": "jane.diaz@example.com",
      "phone_number": "+14165551234",
      "nmls": "1234567"
    }
  }
}
```

<Note>
  Set `external_metadata.suppress_verification` to `true` to prevent an automatic payroll verification when creating the user. Then explicitly order the verification you need.
</Note>

When adding a broker, `name` is required. `email`, `phone_number`, and `nmls` are optional. Use E.164 international format for the phone number. Missing contact details are omitted from the borrower-facing contact card.

Keep using the same borrower user ID for subsequent verifications. Broker details are stored on the user, so they do not need to be supplied with each verification or invite.

Include the additional [user details required by the verification type](/partners/quickstart#create-or-reuse-a-user), such as an address for banking verifications.

## Order verifications and send an invite

1. [Order a verification](/api-reference/partners-verifications/order-a-verification) for each required payroll or banking report. For wholesale loans, set `loan.division` to `wholesale` when ordering each verification.
2. To receive progress emails, set `configuration.notified_recipients` on each verification. Include the broker and any lender recipients who need updates. If this field is omitted, no verification progress emails are sent.
3. [Create a session](/api-reference/partners-verifications/create-a-session) with `type: invite`, the borrower user ID, and the borrower's email address, phone number, or both.

```json theme={}
{
  "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
  "type": "invite",
  "configuration": {
    "email": "john.smith@example.com",
    "reply_to": "jane.diaz@example.com"
  }
}
```

The user must have at least one active payroll or banking verification. One invite can include multiple active verifications for the same borrower.

`configuration.reply_to` controls where replies to the borrower invite go. It is separate from `configuration.notified_recipients` on the verification, which controls progress notifications. Adding broker contact details does not subscribe the broker or lender to those notifications.

For document-based income verification, follow the [Doc VOI workflow](/partners/verification-types/document-voi). Doc VOI orders do not use an invite session.

## Choose the invite flow

For Mortgage accounts, broker details determine whether the invite uses a wholesale or retail flow. Omit `configuration.flow_id` to use the matching default, or provide a custom flow created for that experience.

| Broker details on the user | Provided flow | Flow used               |
| -------------------------- | ------------- | ----------------------- |
| Present                    | None          | Default wholesale flow  |
| Present                    | Wholesale     | Provided wholesale flow |
| Present                    | Retail        | Default wholesale flow  |
| Absent                     | None          | Default retail flow     |
| Absent                     | Retail        | Provided retail flow    |
| Absent                     | Wholesale     | Default retail flow     |

Use separate custom flows for retail and wholesale. To customize wholesale messaging, ask your Customer Success Manager to enable wholesale flow creation, then create a [Mortgage Wholesale email/SMS template](/console/flows/email-sms-templates#wholesale-mortgage-templates). A custom flow is not required to use the default wholesale experience.

## Borrower experience

<Frame>
  <img alt="A broker-branded email invitation opens a landing page where the borrower can connect payroll and bank accounts." />
</Frame>

* The invite email, SMS, and landing page identify the broker. The email sender name is `[Broker_name] via Argyle`.
* The email and landing page show the broker's available contact details.
* The lender remains named in the email footer and consent and data-sharing screens. Argyle Link and the banking connection experience may also display lender branding.
* Subsequent invites for the same borrower retain the broker context, including when re-verification requires borrower action.

Wholesale emails use the lender's [custom sender domain](/console/management/custom-sender-domain), when configured, or `notifications@argyle.com`.


# Verifications
Source: https://docs.argyle.com/verifications/overview

Order payroll, banking, and Doc VOI reports through one lifecycle.

A verification is an order for a report. You select the report type, then users connect their payroll or financial accounts, or documents are uploaded directly through the API or collected in Link. The result is a PDF and, when supported, JSON.

## Verification types

<CardGroup>
  <Card title="Payroll" icon="money-check-dollar" href="/verifications/verification-types/payroll">
    Generate income and employment reports from connected payroll accounts.
  </Card>

  <Card title="Banking" icon="building-columns" href="/verifications/verification-types/banking">
    Generate asset, income, and transaction reports from connected financial accounts.
  </Card>

  <Card title="Doc VOI" icon="file-lines" href="/verifications/verification-types/document-voi">
    Generate mortgage income reports from uploaded payroll documents.
  </Card>
</CardGroup>

Government benefits implementations use a payroll report with program-specific self-certification behavior. See [Government Benefits](/verticals/government-benefits).

## Workflow

<Steps>
  <Step title="Create or reuse a user">
    Reuse the person's existing user ID across payroll, banking, and document workflows, or create a user if needed. Update any missing details required by the next product before ordering its verification.
  </Step>

  <Step title="Order a verification">
    Select the report type and provide any type-specific configuration.
  </Step>

  <Step title="Start a session">
    Launch an embedded session or send an invite when the verification requires user action.
  </Step>

  <Step title="Track lifecycle updates">
    Subscribe to the `verifications.updated` webhook and use the verification status to determine the next action.
  </Step>

  <Step title="Retrieve the result">
    Download the completed report PDF or JSON from the URLs in the verification resource.
  </Step>
</Steps>

[Follow the Quickstart](/verifications/quickstart).

## Continue implementing

<CardGroup>
  <Card title="Verification Statuses" icon="arrows-rotate" href="/verifications/verification-statuses">
    Track status changes and retrieve completed results.
  </Card>

  <Card title="Reports and Source Documents" icon="file-pdf" href="/verifications/reports-and-source-documents">
    View report examples and retrieve available paystubs, tax forms, or uploaded files.
  </Card>

  <Card title="Re-verification" icon="rotate" href="/verifications/re-verification">
    Refresh connected data or submit updated Doc VOI files.
  </Card>

  <Card title="Recovery and Errors" icon="triangle-exclamation" href="/verifications/recovery-and-errors">
    Resume incomplete sessions and correct invalid user details.
  </Card>

  <Card title="Testing" icon="flask" href="/verifications/testing">
    Use payroll, banking, and Doc VOI test profiles.
  </Card>
</CardGroup>


# Partner Implementations
Source: https://docs.argyle.com/verifications/platform-partners

Use Verifications through `/partners/v2`.

This page is for platforms that use Argyle to run verifications for their customers. Each customer needs a [`client`](/api-reference/partners-verifications/create-a-user#body-client) ID in Argyle so users and verifications created through your platform are associated with the correct organization.

## Before you begin

Your Argyle Customer Success manager will provide a `client` ID for each customer using your integration. Store the ID with that customer's configuration and include it when you create users on the customer's behalf. The `client` value identifies your customer's organization in Argyle's system.

## Authentication

Send requests from your backend using your partner API key ID and secret with HTTP basic authentication. Use `https://api-sandbox.argyle.com/partners/v2` for Sandbox and `https://api.argyle.com/partners/v2` for Production.

Use the keys for the selected environment. Partner mode only changes the documentation you are viewing.

## Endpoint family

Use `/partners/v2` when your platform creates users and orders verifications for your customers. Use `/v2` when your organization is implementing Argyle for its own workflow.

| Shared operation                  | Partner endpoint                                                                                          |
| --------------------------------- | --------------------------------------------------------------------------------------------------------- |
| Create a user                     | [`POST /partners/v2/users`](/api-reference/partners-verifications/create-a-user)                          |
| Update a user                     | [`PATCH /partners/v2/users/{id}`](/api-reference/partners-verifications/update-a-user)                    |
| Order a verification              | [`POST /partners/v2/verifications`](/api-reference/partners-verifications/order-a-verification)           |
| Create a session                  | [`POST /partners/v2/sessions`](/api-reference/partners-verifications/create-a-session)                    |
| Refresh a verification            | [`POST /partners/v2/verifications/refresh`](/api-reference/partners-verifications/refresh-a-verification) |
| Retrieve or update a verification | [Partner Verifications API](/api-reference/partners-verifications/retrieve-a-verification)                |

## Create or reuse the user

When a customer begins a verification through your platform, reuse the person's existing user ID for that customer. If no user exists, create one with [`POST /partners/v2/users`](/api-reference/partners-verifications/create-a-user). Include the required [`client`](/api-reference/partners-verifications/create-a-user#body-client) ID for that customer and the person details required by the verification type.

Set `external_metadata.suppress_verification` to `true` to prevent an automatic payroll verification when creating the user. Then explicitly order the verification you need.

```json theme={}
{
  "client": "39096494-45c8-4fd8-9454-3d1cb2d62db7",
  "first_name": "Jane",
  "last_name": "Doe",
  "ssn": "000-00-0000",
  "external_metadata": {
    "suppress_verification": true
  }
}
```

Before ordering another product for an existing user, [update their details](/api-reference/partners-verifications/update-a-user) if the product requires additional information. Continue using the same user ID.

## Implementation guides

Follow the partner guides for request examples and implementation steps:

* [Quickstart](/partners/quickstart)
* [Verification Types](/partners/overview#verification-types)
* [Verification Statuses](/partners/verification-statuses)
* [Re-verification](/partners/re-verification)
* [Recovery and Errors](/partners/recovery-and-errors)
* [Testing](/partners/testing)

The partner guides use `/partners/v2` throughout. Continue using this endpoint family for user, verification, session, and refresh requests.

## Webhooks

Create partner webhook subscriptions through [`POST /partners/v2/webhooks`](/api-reference/partners-webhooks/create-a-webhook). Set `config.include_resource` to `true` for the `verifications.updated` webhook so the webhook contains the full verification resource.

Handle duplicate webhook deliveries without creating duplicate records. Store the verification ID and use the current verification resource when deciding what to do next.

Partner webhook pages:

* [`verifications.updated`](/api-reference/partners-webhooks/updated)
* [`verifications.creation_failed`](/api-reference/partners-webhooks/creation-failed)
* [Partner webhook management](/api-reference/partners-webhooks/list-all-webhooks)

## Data sets and receipts

Partner implementations can retrieve the accounts, payroll documents, and paystubs associated with supported verifications through the [Partner Data Sets](/api-reference/partners-data-sets/list-all-accounts) endpoints.

Use [Partner Receipts](/api-reference/partners-receipts) for receipt retrieval when enabled for the integration.


# Verifications Quickstart
Source: https://docs.argyle.com/verifications/quickstart

Build your first verification workflow.

A verification follows five steps:

1. Create or reuse a user.
2. Order a verification.
3. Start a session when the user needs to connect an account.
4. Listen for verification status changes.
5. Retrieve the completed report.

This Quickstart uses a payroll `voie` verification as the example. The same lifecycle applies to the other [verification types](/verifications/overview#verification-types).

## Before you begin

* Create Sandbox API keys in [Console](https://console.argyle.com/api-keys).
* Use the Sandbox base URL: `https://api-sandbox.argyle.com/v2`.
* Send API requests from your backend using [HTTP basic authentication](/api-guide/overview#authentication).
* Set up [webhook handling](/api-guide/webhooks), then subscribe to the [`verifications.updated`](/api-reference/verifications-webhooks/updated) webhook before testing the complete workflow.

## Create or reuse a user

If the person already has an Argyle user with your organization, reuse that user ID across payroll, banking, and document workflows. Otherwise, [create a user](/api-reference/users/create-a-user) and store the returned ID with your internal record.

Before adding another product, [update the existing user](/api-reference/users/update-a-user) with any missing details required by that product. Use the same user ID when ordering the verification.

Required user details depend on the verification type:

| Field          | Payroll      | Banking                                    | Doc VOI      |
| -------------- | ------------ | ------------------------------------------ | ------------ |
| `first_name`   | Required     | Required                                   | Required     |
| `last_name`    | Required     | Required                                   | Required     |
| `ssn`          | Not required | Required if `birth_date` is not provided   | Required     |
| `birth_date`   | Not required | Required if `ssn` is not provided          | Not required |
| `address`      | Not required | Required                                   | Not required |
| `email`        | Not required | Required if `phone_number` is not provided | Not required |
| `phone_number` | Not required | Required if `email` is not provided        | Not required |

```json theme={}
{
  "first_name": "Jane",
  "last_name": "Doe",
  "ssn": "000-00-0000",
  "email": "jane@example.com",
  "phone_number": "+15555555555",
  "address": {
    "city": "New York",
    "line1": "123 Main St",
    "line2": null,
    "state": "NY",
    "country": "US",
    "postal_code": "10001"
  },
  "birth_date": {
    "year": 1990,
    "month": 1,
    "day": 13
  }
}
```

Store the returned user `id`. The user ID is required when ordering the verification.

## Order a verification

Use [`POST /v2/verifications`](/api-reference/verifications/order-a-verification). Set `report.type` to the required report type.

```jsonc theme={}
{
  "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
  "configuration": {
    "notified_recipients": [
      "john.doe@mortgage.com"
    ]
  },
  "report": {
    "type": "voie"
  },
  "loan": {      // Optional
    "number": "1234",
    "borrower_id": "ABC789",
    "application_id": "2121313",
    "officer_email": "john.doe@mortgage.com"
  },
  "billing": {      // Optional
    "cost_center": "5"
  }
}
```

Store the returned verification `id`. Use the type-specific guides for additional request fields and examples:

* [Payroll](/verifications/verification-types/payroll)
* [Banking](/verifications/verification-types/banking)
* [Doc VOI](/verifications/verification-types/document-voi)

For government programs, see [Government Benefits](/verticals/government-benefits).

## Create a session

Payroll and banking verifications require a session when the user needs to connect an account. Doc VOI uses [document uploads](/verifications/verification-types/document-voi#upload-documents) instead.

The verification must be active. An active verification is not completed or cancelled.

### Embedded session

Use [`POST /v2/sessions`](/api-reference/verifications/create-a-session) with the verification ID. Session links expire after one hour. Create another session for the same active verification when a new link is required.

The session request depends on whether the user is connecting a payroll or financial account.

<AccordionGroup>
  <Accordion title="Payroll request: POST /v2/sessions">
    ```json theme={}
    {
      "verification": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
      "configuration": {
        "redirect_url": "https://your-application.com/return",
        "flow_id": "12ABCD3E",
        "language": "EN",
        "mobile_app": true
      }
    }
    ```
  </Accordion>

  <Accordion title="Banking request: POST /v2/sessions">
    ```json theme={}
    {
      "verification": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
      "configuration": {
        "experience": "97f1eccb-241d-4052-8409-fab2dcc489b",
        "single_use_url": false,
        "redirect_url": "https://your-application.com/return"
      }
    }
    ```
  </Accordion>

  <Accordion title="Payroll response">
    ```json theme={}
    {
      "verification": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
      "configuration": {
        "experience": null,
        "single_use_url": false,
        "redirect_url": "https://your-application.com/return",
        "flow_id": "12ABCD3E",
        "language": "EN",
        "mobile_app": true
      },
      "link": "https://connect.argyle.com/?...",
      "data_source": "payroll"
    }
    ```
  </Accordion>

  <Accordion title="Banking response">
    ```json theme={}
    {
      "verification": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
      "configuration": {
        "experience": "97f1eccb-241d-4052-8409-fab2dcc489b",
        "single_use_url": false,
        "redirect_url": "https://your-application.com/return"
      },
      "link": "https://connect2.finicity.com?...",
      "data_source": "banking"
    }
    ```
  </Accordion>
</AccordionGroup>

See the [Create a Session endpoint](/api-reference/verifications/create-a-session) for every available request field.

### Invites

To send the user an email, text message, or both, create an invite session with [`POST /v2/sessions`](/api-reference/verifications/create-a-session) and set `type` to `invite`. The user must have at least one active payroll or banking verification.

```json theme={}
{
  "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
  "type": "invite",
  "configuration": {
    "email": "jane.doe@example.com",
    "phone_number": "+15555555555"
  }
}
```

One invite can include one or more active payroll or banking verifications for the same user. Invite links expire after 180 days or when revoked.

<Note>
  For wholesale mortgage implementations, add `external_metadata.broker` to the user and omit `configuration.flow_id` to use the default wholesale flow. A custom flow must be a wholesale flow to override that default. See [Wholesale Mortgage](/verifications/wholesale-mortgage) for setup, flow selection, and notifications.
</Note>

## Launch an embedded session

Use the returned session `link` according to the verification's data source.

### Payroll

* Pass `link` as `connectUrl` when initializing the [Web SDK](/link/initialization/web#initialize-with-connecturl) or [Mobile SDKs](/link/initialization/mobile-sdks).
* For Hosted Link, open the URL in a browser context. Hosted Link does not provide Link callbacks.

### Banking

* Pass `link` as `connectURL` when launching the banking SDK.
* Use SDK callbacks for immediate frontend handling and the `verifications.updated` webhook for backend lifecycle tracking.
* See [Banking Verifications](/verifications/verification-types/banking#choose-a-session-type) for the SDK example and hosted-session requirements.

## Track status and retrieve the report

Listen for the [`verifications.updated`](/api-reference/verifications-webhooks/updated) webhook. When `status.code` is `completed` or `completed_with_errors`, retrieve the report from `report.file_url` or `report.json_url`.

Continue with [Verification Statuses](/verifications/verification-statuses).


# Re-verification
Source: https://docs.argyle.com/verifications/re-verification

Request updated verification results.

Reuse the existing user when requesting updated results. The next step depends on whether the user's connection is still valid or they need to reconnect or provide new documents.

## Refresh without user action

<Note>
  The refresh endpoint supports payroll, banking, and Doc VOI verifications. It returns a new verification ID and report.
</Note>

Use [`POST /v2/verifications/refresh`](/api-reference/verifications/refresh-a-verification) to create a **new** payroll or banking verification without the user needing to reconnect, as long as a valid connection is still available. For Doc VOI, use the same endpoint with `report.type = doc-voi-mortgage` to generate a new report from the user's existing uploaded documents without uploading additional documents.

Track the new verification through [`verifications.updated`](/api-reference/verifications-webhooks/updated) webhooks. Retrieve its report when the status reaches `completed` or `completed_with_errors`. See [Verification Statuses](/verifications/verification-statuses).

## Reconnection required

If a previously completed payroll or banking verification needs updated data and the connection is no longer valid, the user must reconnect. The same path applies when the user needs to connect another account.

1. Order a new verification for the existing `user` with [`POST /v2/verifications`](/api-reference/verifications/order-a-verification).
2. Create a [session](/verifications/quickstart#create-a-session) for the new verification.
3. Return the user to [Link for payroll](/verifications/verification-types/payroll#user-experience) or the [banking connection experience](/verifications/verification-types/banking#choose-a-session-type) to complete the required connection steps.
4. Track the new verification's status and retrieve its completed report.

<Note>
  If the verification is still active, create another session for that verification instead. An expired session or a request for MFA does not by itself require a new verification. See [Recovery and Errors](/verifications/recovery-and-errors#session-not-completed).
</Note>

## Doc VOI with new documents

To refresh a Doc VOI report with additional or updated documents, order a new `doc-voi-mortgage` verification for the same `user` with [`POST /v2/verifications`](/api-reference/verifications/order-a-verification). The request shape is the same as a new document verification, including the `employments` requirements.

Previously uploaded documents for the user remain available as the baseline for the new verification. After the new verification is created:

1. Upload each net-new document for the same `user` with [`POST /v2/user-uploads`](/api-reference/user-uploads/upload-a-document).
2. Listen for [`verifications.updated`](/api-reference/verifications-webhooks/updated) webhooks as the verification moves through document processing.
3. Retrieve the refreshed report from `report.file_url` or `report.json_url` when the verification is complete.


# Recovery and Errors
Source: https://docs.argyle.com/verifications/recovery-and-errors

Resume incomplete sessions and correct invalid verification requests.

Use the verification's current `status.state`, `status.code`, and `status.errors` to decide whether to resume the existing verification or create a new one.

## Choose a recovery action

| Status or situation                            | Action                                                                                           |
| ---------------------------------------------- | ------------------------------------------------------------------------------------------------ |
| Active verification; session closed or expired | Create another session for the same verification.                                                |
| `connection_attempted`                         | Review the account connection error and return the user to the active verification.              |
| `syncing_error`                                | Create another session so the user can complete MFA or other required action.                    |
| `more_data_required`                           | Upload the additional Doc VOI documents for the same user.                                       |
| `cancelled_by_client` or `argyle_timeout`      | The verification cannot be resumed. Create a new verification if another attempt is appropriate. |
| `system_error`                                 | Review `status.errors` and contact Argyle Support before retrying.                               |

## Session not completed

If the user closes the connection flow, or the session link expires, retrieve the verification and check its current status.

When the verification remains active in `pending` or `user_session_started`, create a new session for the same verification with [`POST /v2/sessions`](/verifications/quickstart#create-a-session). Do not create another verification solely to replace an expired session link.

For `connection_attempted` or `syncing_error`, review the current [Account Connection Error](/api-reference/account-connection-errors), correct the issue, and create another session for the same active verification.

## User details missing or invalid

If `POST /v2/verifications` returns a 400 response for missing or invalid user details:

1. Update the user with [`PATCH /v2/users/{id}`](/api-reference/users/update-a-user).
2. Retry `POST /v2/verifications`.

## More documents required

When a Doc VOI verification enters `more_data_required`, review `status.errors` for the missing information. Upload the additional files for the same user with [`POST /v2/user-uploads`](/api-reference/user-uploads/upload-a-document). Continue listening for the `verifications.updated` webhook as processing resumes.


# Reports and Source Documents
Source: https://docs.argyle.com/verifications/reports-and-source-documents

View report examples and retrieve their supporting files.

Source documents are the original paystubs, tax forms, and uploaded files that support a verification. This page shows report examples and how to retrieve completed reports and available source documents.

<Note>
  Report and source-document URLs require [Argyle authentication headers](/api-guide/overview#authentication). Store and deliver these files according to your application retention requirements.
</Note>

## Retrieve completed reports

When a verification reaches `completed` or `completed_with_errors`, the verification resource contains:

* `report.file_url` — the report PDF.
* `report.json_url` — the report data in JSON format.

Follow [Verification Statuses](/verifications/verification-statuses#download-reports-and-json) for the webhook and retrieval flow.

## Retrieve source documents

Connected payroll accounts can include paystubs, tax forms, and other source documents. Use the [Payroll Documents](/api-reference/payroll-documents) endpoints to list or retrieve document metadata, then request the returned `file_url` with Argyle authentication headers.

Documents uploaded by a user are available through [User Uploads](/api-reference/user-uploads). The upload object also provides an authenticated `file_url` for the source file.

## Example reports

<Accordion title="Verification of Income and Employment (Payroll VOIE) — PDF and JSON">
  [PDF](https://res.cloudinary.com/argyle-media/image/upload/v1749501632/docs-2025/voie_example_argyle.pdf)

  Report PDF

  <Frame>
    <img alt="Image of Argyle's Verification of Income and Employment (VOIE) report." />
  </Frame>

  ```json theme={}
  {
    "report_id": "6da4c9a3-2e63-95e5-8be3-f9a52ddc489a",
    "type": "voie",
    "user_id": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
    "external_id": "March Connection",
    "created_at": "2023-03-26T09:20:06.081Z",
    "last_synced_at": "2023-03-24T12:41:25.069Z",
    "metadata": {},
    "employments": [
      {
        "employment": "0186a27d-e5c6-735a-a359-6315b34d544c",
        "account": "018728a3-afee-5288-8e8a-c68ceb591359",
        "last_synced_at": "2023-03-24T12:41:25.069Z",
        "source": "Worknight",
        "first_name": "Bob",
        "last_name": "Jones",
        "full_name": "Bob Jones",
        "birth_date": "1980-10-10",
        "ssn": "522-09-1191",
        "phone_number": "+18009000010",
        "email": "bob@email.com",
        "employee_address": {
          "line1": "342 Fence Rd",
          "line2": null,
          "city": "New York",
          "state": "NY",
          "postal_code": "10014",
          "country": "US"
        },
        "employer": "Whole Goods",
        "employer_address": {
          "line1": "852 North W St",
          "line2": null,
          "city": "New York",
          "state": "NY",
          "postal_code": "10014",
          "country": "US"
        },
        "status": "active",
        "employment_type": "full-time",
        "job_title": "Store Manager",
        "base_pay": {
          "amount": "75372.62",
          "currency": "USD",
          "period": "annual"
        },
        "pay_cycle": "monthly",
        "start_date": "2020-08-28",
        "original_hire_date": "2020-08-28",
        "end_date": null,
        "length_of_work": {
          "years": "2",
          "months": "6"
        },
        "last_pay_period_end_date": "2023-03-22",
        "last_paystub_date": "2023-03-24",
        "income": [
          {
            "period": "2023",
            "currency": "USD",
            "gross_pay": {
              "total": "25124.20",
              "base": "25124.20",
              "overtime": "0.00",
              "commission": "0.00",
              "bonus": "0.00",
              "other": "0.00"
            },
            "reimbursements": "8.13",
            "deductions": "816.53",
            "taxes": "5715.75",
            "fees": "0.00",
            "net_pay": "18600.05"
          },
          {
            "period": "2022",
            "currency": "USD",
            "gross_pay": {
              "total": "82866.32",
              "base": "81653.65",
              "overtime": "0.00",
              "commission": "881.09",
              "bonus": "331.58",
              "other": "0.00"
            },
            "reimbursements": "4.35",
            "deductions": "3266.12",
            "taxes": "14948.85",
            "fees": "0.00",
            "net_pay": "64655.70"
          }
        ],
        "monthly_income": {
          "argyle": {
            "total": "7102.33",
            "base": "6902.55",
            "overtime": "165.94",
            "bonus": "5.22",
            "commission": "28.62",
            "other": "0.00"
          }
        },
        "callouts": []
      },
      {
        "employment": "0185a31d-e2c8-991c-a251-5977e36a418c",
        "account": "018728a2-2fe0-cdb4-9486-70b2fe9834f9",
        "last_synced_at": "2023-03-01T05:10:59.558Z",
        "source": "Bullseye",
        "first_name": "Bob",
        "last_name": "Jones",
        "full_name": "Bob Jones",
        "birth_date": "1980-10-10",
        "ssn": "522-09-1191",
        "phone_number": "+18009000010",
        "email": "bob@email.com",
        "employee_address": {
          "line1": "342 Fence Rd",
          "line2": null,
          "city": "New York",
          "state": "NY",
          "postal_code": "10014",
          "country": "US"
        },
        "employer": "Bullseye",
        "employer_address": {
          "line1": "119 Green Ridge",
          "line2": null,
          "city": "New York",
          "state": "NY",
          "postal_code": "10014",
          "country": "US"
        },
        "status": "active",
        "employment_type": "part-time",
        "job_title": "Clerk",
        "base_pay": {
          "amount": "61030.57",
          "currency": "USD",
          "period": "annual"
        },
        "pay_cycle": "monthly",
        "start_date": "2020-06-29",
        "original_hire_date": "2020-06-29",
        "end_date": null,
        "length_of_work": {
          "years": "2",
          "months": "9"
        },
        "last_pay_period_end_date": "2023-02-23",
        "last_paystub_date": "2023-02-24",
        "income": [
          {
            "period": "2023",
            "currency": "USD",
            "gross_pay": {
              "total": "20848.92",
              "base": "20343.52",
              "overtime": "0.00",
              "commission": "0.00",
              "bonus": "505.40",
              "other": "0.00"
            },
            "reimbursements": "0.00",
            "deductions": "915.48",
            "taxes": "4475.58",
            "fees": "0.00",
            "net_pay": "15457.86"
          },
          {
            "period": "2022",
            "currency": "USD",
            "gross_pay": {
              "total": "68070.08",
              "base": "66116.44",
              "overtime": "0.00",
              "commission": "777.54",
              "bonus": "1176.10",
              "other": "0.00"
            },
            "reimbursements": "18.40",
            "deductions": "2034.40",
            "taxes": "13274.18",
            "fees": "0.00",
            "net_pay": "52779.90"
          }
        ],
        "monthly_income": {
          "argyle": {
            "total": "5683.51",
            "base": "5512.92",
            "overtime": "0.00",
            "bonus": "119.51",
            "commission": "51.08",
            "other": "0.00"
          }
        },
        "callouts": []
      }
    ],
    "income_totals": [
      {
        "period": "2023",
        "currency": "USD",
        "gross_pay": {
          "total": "45973.12",
          "base": "45467.72",
          "overtime": "0.00",
          "commission": "0.00",
          "bonus": "505.40",
          "other": "0.00"
        },
        "reimbursements": "8.13",
        "deductions": "1732.01",
        "taxes": "10191.33",
        "fees": "0.00",
        "net_pay": "34057.91"
      },
      {
        "period": "2022",
        "currency": "USD",
        "gross_pay": {
          "total": "150936.4",
          "base": "147770.09",
          "overtime": "0.00",
          "commission": "1658.63",
          "bonus": "1507.68",
          "other": "0.00"
        },
        "reimbursements": "22.75",
        "deductions": "5300.52",
        "taxes": "28223.03",
        "fees": "0.00",
        "net_pay": "117435.60"
      }
    ]
  }
  ```
</Accordion>

<Accordion title="Verification of Income and Employment (Government Payroll VOIE) — PDF and JSON">
  [PDF](https://res.cloudinary.com/argyle-media/image/upload/v1783533516/docs-2026/voie-government_example_argyle.pdf)

  <Frame>
    <img alt="Image of Argyle's Verification of Income and Employment (Government Payroll VOIE) report." />
  </Frame>

  ```json theme={}
  {
    "report_id": "7a4d2fd6-9c7d-4e0d-a8d3-9e97f54d21f1",
    "type": "voie-government",
    "user_id": "f83b9d2f-0b3d-4ec9-91d4-82cf9e1c1b2a",
    "external_id": "GOV-2026-48291",
    "created_at": "2026-05-20T18:30:00.000Z",
    "last_synced_at": "2026-05-20T18:12:00.000Z",
    "metadata": {},
    "reporting_period": {
      "days": 90,
      "start_date": "2026-03-09",
      "end_date": "2026-06-07"
    },
    "certification": [
      {
        "type": "report",
        "employment": null,
        "status": "certified",
        "completed_at": "2026-05-20T18:30:00.000Z",
        "user_comment": null
      },
      {
        "type": "employment",
        "employment": "0186a27d-e5c6-735a-a359-6315b34d544c",
        "status": "certified",
        "completed_at": "2026-05-20T18:30:00.000Z",
        "user_comment": null
      }
    ],
    "employments": [
      {
        "employment": "0186a27d-e5c6-735a-a359-6315b34d544c",
        "account": "018728a3-afee-5288-8e8a-c68ceb591359",
        "last_synced_at": "2026-05-20T18:12:00.000Z",
        "source": "Connected Payroll Account",
        "income_source_type": "w2",
        "certified": true,
        "first_name": "Bob",
        "last_name": "Jones",
        "full_name": "Bob Jones",
        "birth_date": "1980-12-03",
        "employer": "Whole Goods",
        "employer_address": {
          "line1": "7641 Cedarwood Drive",
          "line2": null,
          "city": "Lakeview",
          "state": "IL",
          "postal_code": "60712",
          "country": "US"
        },
        "status": "active",
        "employment_type": "full-time",
        "job_title": "Store Manager",
        "base_pay": {
          "amount": "20.00",
          "currency": "USD",
          "period": "hourly"
        },
        "pay_cycle": "biweekly",
        "start_date": "2020-08-28",
        "end_date": null,
        "last_paystub_date": "2026-06-07",
        "period_summary": [
          {
            "period": {
              "start_date": "2026-03-09",
              "end_date": "2026-06-07"
            },
            "currency": "USD",
            "gross_pay": "18298.28",
            "net_pay": "14065.93",
            "hours": "914.75",
            "mileage": null,
            "paystubs_count": 7,
            "trips_count": null
          }
        ],
        "monthly_summary": [
          {
            "period": {
              "month": "2026-06",
              "start_date": "2026-06-01",
              "end_date": "2026-06-07",
              "partial_month": true
            },
            "currency": "USD",
            "gross_pay": "746.67",
            "net_pay": "573.67",
            "hours": "37.33",
            "mileage": null,
            "paystubs_count": 1,
            "trips_count": null
          },
          {
            "period": {
              "month": "2026-05",
              "start_date": "2026-05-01",
              "end_date": "2026-05-31",
              "partial_month": false
            },
            "currency": "USD",
            "gross_pay": "6400.00",
            "net_pay": "4920.00",
            "hours": "320.00",
            "mileage": null,
            "paystubs_count": 2,
            "trips_count": null
          },
          {
            "period": {
              "month": "2026-04",
              "start_date": "2026-04-01",
              "end_date": "2026-04-30",
              "partial_month": false
            },
            "currency": "USD",
            "gross_pay": "6400.00",
            "net_pay": "4920.00",
            "hours": "320.00",
            "mileage": null,
            "paystubs_count": 2,
            "trips_count": null
          },
          {
            "period": {
              "month": "2026-03",
              "start_date": "2026-03-09",
              "end_date": "2026-03-31",
              "partial_month": true
            },
            "currency": "USD",
            "gross_pay": "4751.61",
            "net_pay": "3652.26",
            "hours": "237.42",
            "mileage": null,
            "paystubs_count": 2,
            "trips_count": null
          }
        ],
        "payment_details": [
          {
            "id": "2b780d46-9337-3b15-a1a7-e7184f25f72f",
            "file_url": "api.argyle.com/v2/payroll-documents/{id}/file",
            "type": "direct_deposit",
            "pay_date": "2026-06-07",
            "pay_period": {
              "start_date": "2026-05-25",
              "end_date": "2026-06-07"
            },
            "currency": "USD",
            "gross_pay": "746.67",
            "net_pay": "573.67",
            "hours": "37.33",
            "deductions": "91.00",
            "taxes": "82.00",
            "gross_pay_ytd": "18298.28",
            "gross_pay_list_totals": {
              "base": {
                "amount": "746.67",
                "amount_ytd": "18298.28",
                "hours": "37.33",
                "hours_ytd": "914.75",
                "rate_implied": "20.00",
                "rate_implied_ytd": "20.00"
              }
            },
            "deduction_list": [
              {
                "amount": "91.00",
                "name": "Benefits",
                "tax_classification": "pre_tax",
                "amount_ytd": "2281.65"
              }
            ]
          },
          {
            "id": "9e2ccde6-bfeb-3d4c-8a54-b7a7ceffb2ed",
            "file_url": "api.argyle.com/v2/payroll-documents/{id}/file",
            "type": "direct_deposit",
            "pay_date": "2026-05-15",
            "pay_period": {
              "start_date": "2026-05-11",
              "end_date": "2026-05-24"
            },
            "currency": "USD",
            "gross_pay": "3200.00",
            "net_pay": "2460.00",
            "hours": "160.00",
            "deductions": "390.00",
            "taxes": "350.00",
            "gross_pay_ytd": "17551.61",
            "gross_pay_list_totals": {
              "base": {
                "amount": "3200.00",
                "amount_ytd": "17551.61",
                "hours": "160.00",
                "hours_ytd": "877.42",
                "rate_implied": "20.00",
                "rate_implied_ytd": "20.00"
              }
            },
            "deduction_list": [
              {
                "amount": "390.00",
                "name": "Benefits",
                "tax_classification": "pre_tax",
                "amount_ytd": "2190.65"
              }
            ]
          },
          {
            "id": "0e65759a-4026-36f2-b6bb-783a9a0693eb",
            "file_url": "api.argyle.com/v2/payroll-documents/{id}/file",
            "type": "direct_deposit",
            "pay_date": "2026-05-01",
            "pay_period": {
              "start_date": "2026-04-27",
              "end_date": "2026-05-10"
            },
            "currency": "USD",
            "gross_pay": "3200.00",
            "net_pay": "2460.00",
            "hours": "160.00",
            "deductions": "390.00",
            "taxes": "350.00",
            "gross_pay_ytd": "14351.61",
            "gross_pay_list_totals": {
              "base": {
                "amount": "3200.00",
                "amount_ytd": "14351.61",
                "hours": "160.00",
                "hours_ytd": "717.42",
                "rate_implied": "20.00",
                "rate_implied_ytd": "20.01"
              }
            },
            "deduction_list": [
              {
                "amount": "390.00",
                "name": "Benefits",
                "tax_classification": "pre_tax",
                "amount_ytd": "1800.65"
              }
            ]
          },
          {
            "id": "cc4f6795-c8c5-3afb-9265-29ea117a1a48",
            "file_url": "api.argyle.com/v2/payroll-documents/{id}/file",
            "type": "direct_deposit",
            "pay_date": "2026-04-17",
            "pay_period": {
              "start_date": "2026-03-30",
              "end_date": "2026-04-12"
            },
            "currency": "USD",
            "gross_pay": "3200.00",
            "net_pay": "2460.00",
            "hours": "160.00",
            "deductions": "390.00",
            "taxes": "350.00",
            "gross_pay_ytd": "11151.61",
            "gross_pay_list_totals": {
              "base": {
                "amount": "3200.00",
                "amount_ytd": "11151.61",
                "hours": "160.00",
                "hours_ytd": "557.42",
                "rate_implied": "20.00",
                "rate_implied_ytd": "20.01"
              }
            },
            "deduction_list": [
              {
                "amount": "390.00",
                "name": "Benefits",
                "tax_classification": "pre_tax",
                "amount_ytd": "1410.65"
              }
            ]
          },
          {
            "id": "925863dd-dd7c-3bf2-a11e-75ecf70ad1d5",
            "file_url": "api.argyle.com/v2/payroll-documents/{id}/file",
            "type": "direct_deposit",
            "pay_date": "2026-04-03",
            "pay_period": {
              "start_date": "2026-03-16",
              "end_date": "2026-03-29"
            },
            "currency": "USD",
            "gross_pay": "3200.00",
            "net_pay": "2460.00",
            "hours": "160.00",
            "deductions": "390.00",
            "taxes": "350.00",
            "gross_pay_ytd": "7951.61",
            "gross_pay_list_totals": {
              "base": {
                "amount": "3200.00",
                "amount_ytd": "7951.61",
                "hours": "160.00",
                "hours_ytd": "397.42",
                "rate_implied": "20.00",
                "rate_implied_ytd": "20.01"
              }
            },
            "deduction_list": [
              {
                "amount": "390.00",
                "name": "Benefits",
                "tax_classification": "pre_tax",
                "amount_ytd": "1020.65"
              }
            ]
          },
          {
            "id": "51f19b38-b4d8-3da4-a4d0-e15e1e8bb62a",
            "file_url": "api.argyle.com/v2/payroll-documents/{id}/file",
            "type": "direct_deposit",
            "pay_date": "2026-03-20",
            "pay_period": {
              "start_date": "2026-03-09",
              "end_date": "2026-03-15"
            },
            "currency": "USD",
            "gross_pay": "3151.61",
            "net_pay": "2422.26",
            "hours": "157.42",
            "deductions": "383.65",
            "taxes": "345.70",
            "gross_pay_ytd": "4751.61",
            "gross_pay_list_totals": {
              "base": {
                "amount": "3151.61",
                "amount_ytd": "4751.61",
                "hours": "157.42",
                "hours_ytd": "237.42",
                "rate_implied": "20.02",
                "rate_implied_ytd": "20.01"
              }
            },
            "deduction_list": [
              {
                "amount": "383.65",
                "name": "Benefits",
                "tax_classification": "pre_tax",
                "amount_ytd": "630.65"
              }
            ]
          },
          {
            "id": "f6323f0f-fdc7-327d-8d35-c24555fb76cf",
            "file_url": "api.argyle.com/v2/payroll-documents/{id}/file",
            "type": "direct_deposit",
            "pay_date": "2026-03-13",
            "pay_period": {
              "start_date": "2026-03-02",
              "end_date": "2026-03-08"
            },
            "currency": "USD",
            "gross_pay": "1600.00",
            "net_pay": "1230.00",
            "hours": "80.00",
            "deductions": "195.00",
            "taxes": "175.00",
            "gross_pay_ytd": "1600.00",
            "gross_pay_list_totals": {
              "base": {
                "amount": "1600.00",
                "amount_ytd": "1600.00",
                "hours": "80.00",
                "hours_ytd": "80.00",
                "rate_implied": "20.00",
                "rate_implied_ytd": "20.00"
              }
            },
            "deduction_list": [
              {
                "amount": "195.00",
                "name": "Benefits",
                "tax_classification": "pre_tax",
                "amount_ytd": "195.00"
              }
            ]
          }
        ],
        "callouts": []
      }
    ]
  }
  ```
</Accordion>

<Accordion title="Verification of Employment (Payroll VOE) — PDF and JSON">
  [PDF](https://res.cloudinary.com/argyle-media/image/upload/v1746481161/docs-2025/voe_example.pdf)

  Report PDF

  <Frame>
    <img alt="Image of Argyle's Verification of Employment (VOE) report." />
  </Frame>

  ```json theme={}
  {
    "report_id": "6c3fa756-2e76-43e1-55f6-e29fc6ae535d",
    "type": "voe",
    "user_id": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
    "external_id": "March Connection",
    "created_at": "2023-03-26T09:19:08.916Z",
    "last_synced_at": "2023-03-24T12:41:21.576Z",
    "metadata": {},
    "employments": [
      {
        "employment": "0186a27d-e5c6-735a-a359-6315b34d544c",
        "account": "0187c66e-e7e5-811c-b006-2232f00f426a",
        "last_synced_at": "2023-03-24T12:41:21.576Z",
        "source": "Worknight",
        "first_name": "Bob",
        "last_name": "Jones",
        "full_name": "Bob Jones",
        "ssn": "522-09-1191",
        "employer": "Whole Goods",
        "employer_address": {
          "line1": "852 North W St",
          "line2": null,
          "city": "New York",
          "state": "NY",
          "postal_code": "10014",
          "country": "US"
        },
        "status": "active",
        "employment_type": "full-time",
        "job_title": "Store Manager",
        "start_date": "2020-08-28",
        "original_hire_date": "2020-08-28",
        "end_date": null,
        "length_of_work": {
          "years": "2",
          "months": "6"
        },
        "last_pay_period_end_date": "2023-03-22",
        "last_paystub_date": "2023-03-24"
      },
      {
        "employment": "0185a31d-e2c8-991c-a251-5977e36a418c",
        "account": "018728a2-2fe0-cdb4-9486-70b2fe9834f9",
        "last_synced_at": "2023-03-01T05:10:59.558Z",
        "source": "Bullseye",
        "first_name": "Bob",
        "last_name": "Jones",
        "full_name": "Bob Jones",
        "ssn": "522-09-1191",
        "employer": "Bullseye",
        "employer_address": {
          "line1": "119 Green Ridge",
          "line2": null,
          "city": "New York",
          "state": "NY",
          "postal_code": "10014",
          "country": "US"
        },
        "status": "active",
        "employment_type": "part-time",
        "job_title": "Clerk",
        "start_date": "2020-06-29",
        "original_hire_date": "2020-06-29",
        "end_date": null,
        "length_of_work": {
          "years": "2",
          "months": "9"
        },
        "last_pay_period_end_date": "2023-02-23",
        "last_paystub_date": "2023-02-24"
      }
    ]
  }
  ```
</Accordion>

<Accordion title="Verification of Assets (Banking VOA) — PDF and JSON">
  [PDF](https://res.cloudinary.com/argyle-media/image/upload/v1749582203/docs-2025/VOA_Banking_Report.pdf)

  Report PDF

  <Frame>
    <img alt="Image of Verification of Assets (VOA) banking report." />
  </Frame>

  ```json theme={}
  {
    "id": "m22kz9tzmz3t",
    "type": "voa",
    "constraints": {
      "accounts": null,
      "from_date": null,
      "report_custom_fields": null,
      "show_nsf": null
    },
    "status": "success",
    "assets": {
      "type": null,
      "available_balance": 18349.6,
      "current_balance": 22327.3,
      "two_month_average": 21995.27,
      "six_month_average": null,
      "beginning_balance": 20942.02
    },
    "consolidated_available_balance": 18349.6,
    "consumer": "eed152a28a1ecd78c0ff401de123faf3",
    "consumer_ssn": "6789",
    "created_date": "2025-06-10T18:57:22.000Z",
    "user": "01975b33-16d0-2c9b-8cd1-85e58e80248c",
    "customer_type": "testing",
    "days": 61,
    "dispute_statement": null,
    "end_date": "2025-06-10T18:57:22.000Z",
    "end_user": null,
    "institutions": [
      {
        "accounts": [
          {
            "aggregation_status_code": 0,
            "asset": {
              "type": "savings",
              "current_balance": 22327.3,
              "two_month_average": 21995.27,
              "six_month_average": null,
              "beginning_balance": 20942.02
            },
            "available_balance": null,
            "average_monthly_balance": 21978.28,
            "balance": 22327.3,
            "balance_date": "2025-06-10T18:57:25.000Z",
            "details": {
              "interest_margin_balance": null,
              "available_cash_balance": null,
              "vested_balance": null,
              "current_loan_balance": null,
              "available_balance_amount": 18349.6,
              "margin_balance": null,
              "current_balance": null
            },
            "id": 8057635035,
            "income_streams": null,
            "name": "Savings",
            "number": "2222",
            "owner_address": "123 FAKE STREET OGDEN, UT 84401",
            "owner_name": "HOMER LOANSEEKER",
            "position": null,
            "tot_number_days_since_most_recent_insufficient_funds_fee_debit_tx_account": 0,
            "tot_number_insufficient_funds_fee_debit_tx_account": 0,
            "tot_number_insufficient_funds_fee_debit_tx_over2_months_account": null,
            "transactions": [
              {
                "id": 28483686056,
                "amount": 501.68,
                "posted_date": "2025-05-19T12:00:00.000Z",
                "description": "Home Banking Transfer Deposit: F",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "home banking transfer deposit",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              },
              {
                "id": 28483686184,
                "amount": 203.82,
                "posted_date": "2025-05-14T12:00:00.000Z",
                "description": "Home Banking Transfer Deposit: F",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "home banking transfer deposit",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              },
              {
                "id": 28483686144,
                "amount": -100,
                "posted_date": "2025-05-13T12:00:00.000Z",
                "description": "Home Banking Transfer Withdrawal",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "home banking transfer withdrawal",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              },
              {
                "id": 28483686110,
                "amount": -250,
                "posted_date": "2025-05-13T12:00:00.000Z",
                "description": "Home Banking Transfer Withdrawal",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "home banking transfer withdrawal",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              },
              {
                "id": 28483686071,
                "amount": 107.81,
                "posted_date": "2025-05-08T12:00:00.000Z",
                "description": "Home Banking Transfer Deposit: F",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "home banking transfer deposit",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              },
              {
                "id": 28483686175,
                "amount": 25.69,
                "posted_date": "2025-04-30T12:00:00.000Z",
                "description": "Home Banking Transfer Deposit: F",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "home banking transfer deposit",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              },
              {
                "id": 28483686139,
                "amount": -145,
                "posted_date": "2025-04-29T12:00:00.000Z",
                "description": "Home Banking Transfer Withdrawal",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "home banking transfer withdrawal",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              },
              {
                "id": 28483686102,
                "amount": 18.24,
                "posted_date": "2025-04-24T12:00:00.000Z",
                "description": "Home Banking Transfer Deposit: F",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "home banking transfer deposit",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              },
              {
                "id": 28483686066,
                "amount": 100,
                "posted_date": "2025-04-24T12:00:00.000Z",
                "description": "Home Banking Transfer Deposit: F",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "home banking transfer deposit",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              },
              {
                "id": 28483686115,
                "amount": 22.81,
                "posted_date": "2025-04-17T12:00:00.000Z",
                "description": "Home Banking Transfer Deposit: F",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "home banking transfer deposit",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              },
              {
                "id": 28483686079,
                "amount": 500.23,
                "posted_date": "2025-04-15T12:00:00.000Z",
                "description": "Home Banking Transfer Deposit: F",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "home banking transfer deposit",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              },
              {
                "id": 28483686111,
                "amount": 400,
                "posted_date": "2025-04-14T12:00:00.000Z",
                "description": "Transfer to SAVINGS",
                "memo": null,
                "investment_transaction_type": null,
                "normalized_payee": "transfer",
                "institution_transaction": "0000000000",
                "category": "Transfer",
                "best_representation": null
              }
            ],
            "type": "savings"
          }
        ],
        "id": 102168,
        "name": "FinBank Profiles - B",
        "url_home_app": "http://www.finicity.com"
      }
    ],
    "portfolio": "1au39wv4bn23-1-port",
    "request_id": "zpe49xbhyd",
    "requester_name": "Argyle Systems",
    "seasoned": false,
    "start_date": "2025-04-10T18:57:22.000Z",
    "title": "Mastercard Open Banking Verification of Assets"
  }
  ```
</Accordion>

<Accordion title="Verification of Assets & Income (Banking VOAI) — PDF and JSON">
  [PDF](https://res.cloudinary.com/argyle-media/image/upload/docs-2026/VOAI_Banking_Report.pdf)

  Report PDF

  <Frame>
    <img alt="Image of Verification of Assets & Income (VOAI) banking report." />
  </Frame>

  ```json theme={}
  {
      "id": "q3senvchs15n",
      "type": "voaHistory",
      "constraints": {
          "accounts": [
              "9035542498"
          ],
          "from_date": "2024-09-16T21:04:48.000Z",
          "report_custom_fields": null,
          "show_nsf": null,
          "income_stream_confidence_minimum": 0,
          "income_from_date": "1970-01-01T07:00:00.000Z"
      },
      "status": "success",
      "portfolio": "q3gg0t2yki5v-2-port",
      "errors": null,
      "assets": {
          "current_balance": 14911.0,
          "two_month_average": 10745.1,
          "six_month_average": 9592.05,
          "beginning_balance": 38693.34
      },
      "consolidated_available_balance": 14911.0,
      "consumer": "a34c54560b98f506f22827af7ec54878",
      "consumer_ssn": null,
      "created_date": "2026-09-16T21:04:48.000Z",
      "user": "01a0ac04-eb74-f1f1-b91c-8330689dcfa2",
      "customer_type": "testing",
      "days": 730,
      "dispute_statement": null,
      "end_date": "2026-09-16T21:04:48.000Z",
      "end_user": null,
      "institutions": [
          {
              "accounts": [
                  {
                      "aggregation_status_code": 0,
                      "asset": {
                          "type": "checking",
                          "current_balance": 14911.0,
                          "two_month_average": 10745.1,
                          "six_month_average": 9592.05,
                          "beginning_balance": 38693.34
                      },
                      "average_monthly_balance": 20880.29,
                      "balance": 14911.0,
                      "balance_date": "2026-09-16T21:02:53.000Z",
                      "currency": "USD",
                      "details": {
                          "interest_margin_balance": null,
                          "available_cash_balance": null,
                          "vested_balance": null,
                          "current_loan_balance": null,
                          "available_balance_amount": 14911.0,
                          "margin_balance": null,
                          "current_balance": null
                      },
                      "id": 9035542498,
                      "income_streams": [
                          {
                              "id": "q3senvchs15n1",
                              "name": "abc",
                              "status": "ACTIVE",
                              "estimate_inclusion": "HIGH",
                              "confidence": 100,
                              "cadence": {
                                  "start_date": "2025-09-30T12:00:00.000Z",
                                  "stop_date": null,
                                  "days": 13
                              },
                              "net_monthly": [
                                  {
                                      "month": "2025-09-01T06:00:00.000Z",
                                      "net": 4791.46,
                                      "gross": 5887.81
                                  },
                                  {
                                      "month": "2025-10-01T06:00:00.000Z",
                                      "net": 9582.92,
                                      "gross": 11775.62
                                  },
                                  {
                                      "month": "2025-11-01T06:00:00.000Z",
                                      "net": 9582.92,
                                      "gross": 11775.62
                                  },
                                  {
                                      "month": "2025-12-01T07:00:00.000Z",
                                      "net": 9582.92,
                                      "gross": 11775.62
                                  },
                                  {
                                      "month": "2026-01-01T07:00:00.000Z",
                                      "net": 10062.69,
                                      "gross": 12365.17
                                  },
                                  {
                                      "month": "2026-02-01T07:00:00.000Z",
                                      "net": 9582.92,
                                      "gross": 11775.62
                                  },
                                  {
                                      "month": "2026-03-01T07:00:00.000Z",
                                      "net": 14374.38,
                                      "gross": 17663.43
                                  },
                                  {
                                      "month": "2026-04-01T06:00:00.000Z",
                                      "net": 9582.92,
                                      "gross": 11775.62
                                  },
                                  {
                                      "month": "2026-05-01T06:00:00.000Z",
                                      "net": 9582.92,
                                      "gross": 11775.62
                                  },
                                  {
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                                  {
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                              "posted_date": "2026-08-18T12:00:00.000Z",
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                              "normalized_payee": "No Entity Found",
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                              "posted_date": "2026-08-07T12:00:00.000Z",
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                              "institution_transaction": "0000000000",
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                          {
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                              "posted_date": "2026-08-07T12:00:00.000Z",
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                              "posted_date": "2026-08-07T12:00:00.000Z",
                              "description": "PAYMENT Heskein Light",
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                              "category": "Loan Payment"
                          },
                          {
                              "id": 17620349171,
                              "amount": -98.72,
                              "posted_date": "2025-08-23T12:00:00.000Z",
                              "description": "Payment ATT",
                              "memo": "DEBIT",
                              "investment_transaction_type": null,
                              "normalized_payee": "AT&T",
                              "institution_transaction": "0000000000",
                              "category": "Mobile Phone"
                          },
                          {
                              "id": 17620349217,
                              "amount": -50.5,
                              "posted_date": "2025-08-19T12:00:00.000Z",
                              "description": "ACCOUNT NUMBER *** PREAUT",
                              "memo": "HORIZED TRANSFER",
                              "investment_transaction_type": null,
                              "normalized_payee": "No Entity Found",
                              "institution_transaction": "0000000000",
                              "category": "Transfer"
                          },
                          {
                              "id": 17620349261,
                              "amount": -5249.99,
                              "posted_date": "2025-08-18T12:00:00.000Z",
                              "description": "PAYMENT VENMO XXXXXXXXXXXXX INTE",
                              "memo": "RNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Venmo",
                              "institution_transaction": "0000000000",
                              "category": "Transfer"
                          },
                          {
                              "id": 17620349315,
                              "amount": -252.5,
                              "posted_date": "2025-08-16T12:00:00.000Z",
                              "description": "PAYMENT VENMO XXXXXXXXXXXXX INTE",
                              "memo": "RNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Venmo",
                              "institution_transaction": "0000000000",
                              "category": "Transfer"
                          },
                          {
                              "id": 17620349359,
                              "amount": 4084.45,
                              "posted_date": "2025-08-15T12:00:00.000Z",
                              "description": "KLM LTD",
                              "memo": "ACH CREDIT",
                              "investment_transaction_type": null,
                              "normalized_payee": "KLM",
                              "institution_transaction": "0000000000",
                              "category": "Uncategorized"
                          },
                          {
                              "id": 17620349405,
                              "amount": -15.45,
                              "posted_date": "2025-08-12T12:00:00.000Z",
                              "description": "INST XFER PAYPAL",
                              "memo": "ERNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Ernet",
                              "institution_transaction": "0000000000",
                              "category": "Transfer"
                          },
                          {
                              "id": 17620349451,
                              "amount": -25.75,
                              "posted_date": "2025-08-11T12:00:00.000Z",
                              "description": "PAYMENT VENMO XXXXXXXXXXXXX INTE",
                              "memo": "RNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Venmo",
                              "institution_transaction": "0000000000",
                              "category": "Transfer"
                          },
                          {
                              "id": 17620349486,
                              "amount": -2020.0,
                              "posted_date": "2025-08-10T12:00:00.000Z",
                              "description": "PAYMENT VENMO XXXXXXXXXXXXX INTE",
                              "memo": "RNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Venmo",
                              "institution_transaction": "0000000000",
                              "category": "Transfer"
                          },
                          {
                              "id": 17620349223,
                              "amount": -339.19,
                              "posted_date": "2025-08-08T12:00:00.000Z",
                              "description": "KMFUSA.com",
                              "memo": "ACH DEBIT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Kia Finance",
                              "institution_transaction": "0000000000",
                              "category": "Auto Payment"
                          },
                          {
                              "id": 17620349176,
                              "amount": -266.52,
                              "posted_date": "2025-08-08T12:00:00.000Z",
                              "description": "PAYMENT Heskein Light",
                              "memo": "ACH DEBIT",
                              "investment_transaction_type": null,
                              "normalized_payee": "No Entity Found",
                              "institution_transaction": "0000000000",
                              "category": "Utilities"
                          },
                          {
                              "id": 17620349462,
                              "amount": -101.0,
                              "posted_date": "2025-08-05T12:00:00.000Z",
                              "description": "PAYMENT VENMO XXXXXXXXXXXXX INTE",
                              "memo": "RNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Venmo",
                              "institution_transaction": "0000000000",
                              "category": "Transfer"
                          },
                          {
                              "id": 17620349153,
                              "amount": 303.0,
                              "posted_date": "2025-08-04T12:00:00.000Z",
                              "description": "MOBILE DEPOSIT",
                              "memo": null,
                              "investment_transaction_type": null,
                              "normalized_payee": "No Entity Found",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 17620349238,
                              "amount": -1493.79,
                              "posted_date": "2025-08-02T12:00:00.000Z",
                              "description": "Mr Cooper",
                              "memo": "ACH DEBIT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Mr. Cooper",
                              "institution_transaction": "0000000000",
                              "category": "Mortgage & Rent"
                          },
                          {
                              "id": 17620349195,
                              "amount": -184.9,
                              "posted_date": "2025-08-02T12:00:00.000Z",
                              "description": "PAYMENTREC VERIZON",
                              "memo": "RECURRING INTERNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Verizon",
                              "institution_transaction": "0000000000",
                              "category": "Mobile Phone"
                          },
                          {
                              "id": 17620349340,
                              "amount": -3289.82,
                              "posted_date": "2025-08-01T12:00:00.000Z",
                              "description": "INST XFER PAYPAL",
                              "memo": "INTERNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "PayPal",
                              "institution_transaction": "0000000000",
                              "category": "Transfer"
                          },
                          {
                              "id": 17620349291,
                              "amount": -50.5,
                              "posted_date": "2025-08-01T12:00:00.000Z",
                              "description": "PAYMENT VENMO XXXXXXXXXXXXX INTE",
                              "memo": "RNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Venmo",
                              "institution_transaction": "0000000000",
                              "category": "Transfer"
                          },
                          {
                              "id": 17620349376,
                              "amount": 4084.47,
                              "posted_date": "2025-07-29T12:00:00.000Z",
                              "description": "KLM LTD",
                              "memo": "ACH CREDIT",
                              "investment_transaction_type": null,
                              "normalized_payee": "KLM",
                              "institution_transaction": "0000000000",
                              "category": "Uncategorized"
                          },
                          {
                              "id": 17620349482,
                              "amount": -303.0,
                              "posted_date": "2025-07-25T12:00:00.000Z",
                              "description": "CHECK #304",
                              "memo": "#304",
                              "investment_transaction_type": null,
                              "normalized_payee": "No Entity Found",
                              "institution_transaction": "0000000000",
                              "category": "Check"
                          },
                          {
                              "id": 17620349465,
                              "amount": 505.0,
                              "posted_date": "2025-07-25T12:00:00.000Z",
                              "description": "MOBILE DEPOSIT",
                              "memo": null,
                              "investment_transaction_type": null,
                              "normalized_payee": "No Entity Found",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 17620349438,
                              "amount": -139.6,
                              "posted_date": "2025-07-25T12:00:00.000Z",
                              "description": "AFFIRM PAY",
                              "memo": "CURRING INTERNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Affirm",
                              "institution_transaction": "0000000000",
                              "category": "Loan Payment"
                          },
                          {
                              "id": 17620349426,
                              "amount": 101.53,
                              "posted_date": "2025-07-25T12:00:00.000Z",
                              "description": "REWARD CITICARDS",
                              "memo": "<> DEUTSCH ACH CREDIT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Citi",
                              "institution_transaction": "0000000000",
                              "category": "Income"
                          },
                          {
                              "id": 17620349399,
                              "amount": -3125.5,
                              "posted_date": "2025-07-25T12:00:00.000Z",
                              "description": "EPAY CHASE CREDIT CRD",
                              "memo": "INTERNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "EPAY Systems",
                              "institution_transaction": "0000000000",
                              "category": "Credit Card Payment"
                          },
                          {
                              "id": 17620349157,
                              "amount": -273.03,
                              "posted_date": "2025-07-25T12:00:00.000Z",
                              "description": "PAYMENT CITI CARD ONLINE",
                              "memo": "INTERNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Citi",
                              "institution_transaction": "0000000000",
                              "category": "Credit Card Payment"
                          },
                          {
                              "id": 17620349172,
                              "amount": -124.93,
                              "posted_date": "2025-07-22T12:00:00.000Z",
                              "description": "Payment ATT",
                              "memo": "DEBIT",
                              "investment_transaction_type": null,
                              "normalized_payee": "AT&T",
                              "institution_transaction": "0000000000",
                              "category": "Mobile Phone"
                          },
                          {
                              "id": 17620349215,
                              "amount": 142.41,
                              "posted_date": "2025-07-20T12:00:00.000Z",
                              "description": "CASHOUT VENMO",
                              "memo": "CH CREDIT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Venmo",
                              "institution_transaction": "0000000000",
                              "category": "Transfer"
                          },
                          {
                              "id": 17620349271,
                              "amount": -50.5,
                              "posted_date": "2025-07-19T12:00:00.000Z",
                              "description": "ACCOUNT NUMBER *** PREAUT",
                              "memo": "HORIZED TRANSFER",
                              "investment_transaction_type": null,
                              "normalized_payee": "No Entity Found",
                              "institution_transaction": "0000000000",
                              "category": "Transfer"
                          },
                          {
                              "id": 17620349317,
                              "amount": 4084.45,
                              "posted_date": "2025-07-15T12:00:00.000Z",
                              "description": "KLM LTD",
                              "memo": "ACH CREDIT",
                              "investment_transaction_type": null,
                              "normalized_payee": "KLM",
                              "institution_transaction": "0000000000",
                              "category": "Uncategorized"
                          },
                          {
                              "id": 17620349403,
                              "amount": -139.05,
                              "posted_date": "2025-07-14T12:00:00.000Z",
                              "description": "CHECK #303",
                              "memo": "#303",
                              "investment_transaction_type": null,
                              "normalized_payee": "No Entity Found",
                              "institution_transaction": "0000000000",
                              "category": "Check"
                          },
                          {
                              "id": 17620349358,
                              "amount": -202.0,
                              "posted_date": "2025-07-14T12:00:00.000Z",
                              "description": "INST XFER PAYPAL",
                              "memo": "RNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Rnet",
                              "institution_transaction": "0000000000",
                              "category": "Transfer"
                          },
                          {
                              "id": 17620349443,
                              "amount": 961.32,
                              "posted_date": "2025-07-12T12:00:00.000Z",
                              "description": "MOBILE DEPOSIT",
                              "memo": null,
                              "investment_transaction_type": null,
                              "normalized_payee": "No Entity Found",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 17620349329,
                              "amount": -15.45,
                              "posted_date": "2025-07-12T12:00:00.000Z",
                              "description": "INST XFER PAYPAL",
                              "memo": "ERNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Ernet",
                              "institution_transaction": "0000000000",
                              "category": "Transfer"
                          },
                          {
                              "id": 17620349461,
                              "amount": -3080.5,
                              "posted_date": "2025-07-08T12:00:00.000Z",
                              "description": "INST XFER PAYPAL",
                              "memo": "INTERNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "PayPal",
                              "institution_transaction": "0000000000",
                              "category": "Transfer"
                          },
                          {
                              "id": 17620349418,
                              "amount": -128.75,
                              "posted_date": "2025-07-08T12:00:00.000Z",
                              "description": "Walt Fanduel Inc",
                              "memo": "INTERNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Fanduel",
                              "institution_transaction": "0000000000",
                              "category": "Entertainment"
                          },
                          {
                              "id": 17620349371,
                              "amount": -25.75,
                              "posted_date": "2025-07-08T12:00:00.000Z",
                              "description": "Walt Fanduel Inc",
                              "memo": "INTERNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Fanduel",
                              "institution_transaction": "0000000000",
                              "category": "Entertainment"
                          },
                          {
                              "id": 17620349151,
                              "amount": -11665.5,
                              "posted_date": "2025-07-07T12:00:00.000Z",
                              "description": "CHECK #302",
                              "memo": "#302",
                              "investment_transaction_type": null,
                              "normalized_payee": "No Entity Found",
                              "institution_transaction": "0000000000",
                              "category": "Check"
                          },
                          {
                              "id": 17620349336,
                              "amount": -625.84,
                              "posted_date": "2025-07-06T12:00:00.000Z",
                              "description": "PAYMENT CITI CARD ONLINE",
                              "memo": "INTERNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Citi",
                              "institution_transaction": "0000000000",
                              "category": "Credit Card Payment"
                          },
                          {
                              "id": 17620349292,
                              "amount": -339.19,
                              "posted_date": "2025-07-06T12:00:00.000Z",
                              "description": "KMFUSA.com",
                              "memo": "ACH DEBIT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Kia Finance",
                              "institution_transaction": "0000000000",
                              "category": "Auto Payment"
                          },
                          {
                              "id": 17620349250,
                              "amount": -2308.55,
                              "posted_date": "2025-07-06T12:00:00.000Z",
                              "description": "EPAY CHASE CREDIT CRD",
                              "memo": "INTERNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "EPAY Systems",
                              "institution_transaction": "0000000000",
                              "category": "Credit Card Payment"
                          },
                          {
                              "id": 17620349196,
                              "amount": -142.74,
                              "posted_date": "2025-07-06T12:00:00.000Z",
                              "description": "PAYMENT Heskein Light",
                              "memo": "ACH DEBIT",
                              "investment_transaction_type": null,
                              "normalized_payee": "No Entity Found",
                              "institution_transaction": "0000000000",
                              "category": "Utilities"
                          },
                          {
                              "id": 17620349378,
                              "amount": 0.01,
                              "posted_date": "2025-07-05T12:00:00.000Z",
                              "description": "Down National Democra <> D",
                              "memo": "ACH CREDIT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Down National Democra",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 17620349263,
                              "amount": -1493.79,
                              "posted_date": "2025-07-05T12:00:00.000Z",
                              "description": "Mr Cooper",
                              "memo": "ACH DEBIT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Mr. Cooper",
                              "institution_transaction": "0000000000",
                              "category": "Mortgage & Rent"
                          },
                          {
                              "id": 17620349396,
                              "amount": -151.5,
                              "posted_date": "2025-07-01T12:00:00.000Z",
                              "description": "PAYMENT VENMO XXXXXXXXXXXXX INTE",
                              "memo": "RNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Venmo",
                              "institution_transaction": "0000000000",
                              "category": "Transfer"
                          },
                          {
                              "id": 17620349351,
                              "amount": -184.9,
                              "posted_date": "2025-07-01T12:00:00.000Z",
                              "description": "PAYMENTREC VERIZON",
                              "memo": "RECURRING INTERNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Verizon",
                              "institution_transaction": "0000000000",
                              "category": "Mobile Phone"
                          },
                          {
                              "id": 17620349306,
                              "amount": -50.5,
                              "posted_date": "2025-07-01T12:00:00.000Z",
                              "description": "PAYMENT VENMO XXXXXXXXXXXXX INTE",
                              "memo": "RNET PAYMENT",
                              "investment_transaction_type": null,
                              "normalized_payee": "Venmo",
                              "institution_transaction": "0000000000",
                              "category": "Transfer"
                          }
                      ],
                      "type": "checking"
                  }
              ],
              "id": 102105,
              "name": "FinBank Profiles - A",
              "url_home_app": "http://www.finbank.com"
          }
      ],
      "request_id": "cc1e44a76e",
      "requester_name": "Argyle Systems",
      "seasoned": true,
      "start_date": "2024-09-16T21:04:48.000Z",
      "title": "Mastercard Open Banking Verification of Assets and Income - Transactions"
  }
  ```
</Accordion>

<Accordion title="Verification of Income (Banking VOI) — PDF and JSON">
  [PDF](https://res.cloudinary.com/argyle-media/image/upload/docs-2026/VOI_Banking_Report.pdf)

  Report PDF

  <Frame>
    <img alt="Image of Verification of Income (VOI) banking report." />
  </Frame>

  ```json theme={}
  {
      "id": "bdmczjhxc8vj-voi",
      "type": "voi",
      "constraints": {
          "accounts": null,
          "from_date": "2024-09-03T23:03:00.000Z",
          "report_custom_fields": [
              {
                  "label": "loanID",
                  "value": "12345",
                  "shown": true
              }
          ],
          "show_nsf": null,
          "income_stream_confidence_minimum": 50
      },
      "status": "success",
      "portfolio": "91k0ba5978h5-1-port",
      "errors": null,
      "consumer": "8859a004ff2b977a7821f74aa938950d",
      "consumer_ssn": "0000",
      "created_date": "2026-09-03T23:03:00.000Z",
      "user": "01a06982-222f-ed7d-a569-71dc2680660d",
      "customer_type": "testing",
      "days": 730,
      "dispute_statement": null,
      "end_date": "2026-09-03T23:03:00.000Z",
      "end_user": null,
      "request_id": "4bswvfqtuy",
      "requester_name": "Argyle Systems",
      "seasoned": true,
      "start_date": "2024-09-03T23:03:00.000Z",
      "title": "Mastercard Open Banking Verification of Income",
      "income": [
          {
              "confidence_type": "HIGH",
              "income_estimate": {
                  "estimated_gross_annual": 115731,
                  "net_annual": 81703.67,
                  "projected_gross_annual": 130005,
                  "projected_net_annual": 89052.02,
                  "average_monthly_net": 6808.64,
                  "average_monthly_gross": 9644.25
              },
              "net_monthly": [
                  {
                      "month": "2024-09-01T06:00:00.000Z",
                      "net": 1757.44,
                      "gross": 2159.57
                  },
                  {
                      "month": "2024-10-01T06:00:00.000Z",
                      "net": 6544.43,
                      "gross": 8041.88
                  },
                  {
                      "month": "2024-11-01T06:00:00.000Z",
                      "net": 3620.25,
                      "gross": 4448.62
                  },
                  {
                      "month": "2024-12-01T07:00:00.000Z",
                      "net": 5825.7,
                      "gross": 7158.7
                  },
                  {
                      "month": "2025-01-01T07:00:00.000Z",
                      "net": 4737.91,
                      "gross": 5822.01
                  },
                  {
                      "month": "2025-02-01T07:00:00.000Z",
                      "net": 5650.03,
                      "gross": 6942.83
                  },
                  {
                      "month": "2025-03-01T07:00:00.000Z",
                      "net": 3978.64,
                      "gross": 4889.01
                  },
                  {
                      "month": "2025-04-01T06:00:00.000Z",
                      "net": 3499.65,
                      "gross": 4300.42
                  },
                  {
                      "month": "2025-05-01T06:00:00.000Z",
                      "net": 6544.43,
                      "gross": 8041.88
                  },
                  {
                      "month": "2025-06-01T06:00:00.000Z",
                      "net": 4174.35,
                      "gross": 5129.5
                  },
                  {
                      "month": "2025-07-01T06:00:00.000Z",
                      "net": 5271.53,
                      "gross": 6477.73
                  },
                  {
                      "month": "2025-08-01T06:00:00.000Z",
                      "net": 5743.67,
                      "gross": 7057.9
                  },
                  {
                      "month": "2025-09-01T06:00:00.000Z",
                      "net": 11304.74,
                      "gross": 13891.41
                  },
                  {
                      "month": "2025-10-01T06:00:00.000Z",
                      "net": 11373,
                      "gross": 13092.53
                  },
                  {
                      "month": "2025-11-01T06:00:00.000Z",
                      "net": 6339.68,
                      "gross": 7790.28
                  },
                  {
                      "month": "2025-12-01T07:00:00.000Z",
                      "net": 8156.93,
                      "gross": 10023.34
                  },
                  {
                      "month": "2026-01-01T07:00:00.000Z",
                      "net": 6472.38,
                      "gross": 7953.35
                  },
                  {
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                                      "investment_transaction_type": null,
                                      "normalized_payee": null,
                                      "institution_transaction": "0000000000",
                                      "category": "Cash & ATM",
                                      "best_representation": null
                                  }
                              ]
                          },
                          {
                              "average_monthly_income_net": 3858,
                              "average_monthly_income_gross": 3858,
                              "cadence": {
                                  "days": 0,
                                  "start_date": "2025-10-06T12:00:00.000Z",
                                  "stop_date": "2025-10-06T12:00:00.000Z"
                              },
                              "confidence": 100,
                              "estimate_inclusion": "HIGH",
                              "estimated_gross_annual": 3858,
                              "id": "bdmczjhxc8vj-voi8",
                              "income_stream_months": 1,
                              "name": "internal revenue service",
                              "net_annual": 3858,
                              "net_monthly": [
                                  {
                                      "month": "2025-10-01T06:00:00.000Z",
                                      "net": 3858,
                                      "gross": 3858
                                  }
                              ],
                              "projected_gross_annual": 0,
                              "projected_net_annual": 0,
                              "status": "INACTIVE",
                              "transactions": [
                                  {
                                      "id": 17238470842,
                                      "amount": 3858,
                                      "posted_date": "2025-10-06T12:00:00.000Z",
                                      "description": "IRS TREAS 310 TAX REF",
                                      "memo": "PPD ID: 1234567897",
                                      "investment_transaction_type": null,
                                      "normalized_payee": null,
                                      "institution_transaction": "0000000000",
                                      "category": "Federal Tax",
                                      "best_representation": null
                                  }
                              ]
                          }
                      ],
                      "misc_deposits": [
                          {
                              "amount": 400,
                              "category": "Income",
                              "description": "Credit Return: Online Payment 50",
                              "id": 17238471011,
                              "institution_transaction": "0000000000",
                              "memo": "12345670 To Mary Greatfriend",
                              "posted_date": "2026-08-25T12:00:00.000Z"
                          },
                          {
                              "amount": 290.16,
                              "category": "Income",
                              "description": "Credit Return: Online Payment 44",
                              "id": 17238471040,
                              "institution_transaction": "0000000000",
                              "memo": "12345678 To Dragon Sitters",
                              "posted_date": "2025-10-23T12:00:00.000Z"
                          },
                          {
                              "amount": 19850.17,
                              "category": "Deposit",
                              "description": "DEPOSIT ID NUMBER 123458",
                              "id": 17238470874,
                              "institution_transaction": "0000000000",
                              "memo": null,
                              "posted_date": "2026-01-09T12:00:00.000Z"
                          }
                      ],
                      "name": "Checking",
                      "number": "1111",
                      "owner_address": "7195 BELMONT ST. PARLIN, NJ 08859",
                      "owner_name": "PATRICK & LORRAINE PURCHASER",
                      "transactions": [],
                      "type": "checking"
                  }
              ],
              "id": 102168,
              "name": "FinBank Profiles - B",
              "url_home_app": "http://www.finicity.com"
          }
      ]
  }
  ```
</Accordion>

<Accordion title="Verification of Employment (Banking VOE) — PDF and JSON">
  [PDF](https://res.cloudinary.com/argyle-media/image/upload/v1778709376/docs-2026/VOE_Transactions_Banking_Report.pdf)

  Report PDF

  <Frame>
    <img alt="Image of Verification of Employment (Banking VOE) banking report." />
  </Frame>

  ```json theme={}
  {
      "id": "acbv1wdhitx6-voetransactions",
      "type": "voeTransactions",
      "constraints": {
          "accounts": null,
          "from_date": null,
          "report_custom_fields": null,
          "show_nsf": null
      },
      "status": "success",
      "portfolio": "74bqadmjcm1p-1-port",
      "customer_type": "testing",
      "request_id": "xa9se6p14t",
      "requester_name": "Argyle Systems",
      "end_user": {
          "address": "759 Victoria Plaza",
          "city": "New York",
          "email": null,
          "name": "Loan Officer",
          "phone": "7778889999",
          "state": "NY",
          "url": null,
          "zip": "10014"
      },
      "created_date": "2026-05-13T21:53:05.000Z",
      "title": "Mastercard Open Banking Verification of Employment - Transactions",
      "consumer": "590a2b7b904c2762d4c4a94f4a05b083",
      "consumer_ssn": "6789",
      "dispute_statement": null,
      "start_date": "2026-01-13T22:53:05.000Z",
      "end_date": "2026-05-13T21:53:05.000Z",
      "days": 119,
      "seasoned": false,
      "institutions": [
          {
              "accounts": [
                  {
                      "id": 9022110214,
                      "number": "1111",
                      "owner_name": "PATRICK & LORRAINE PURCHASER",
                      "owner_address": "7195 BELMONT ST. PARLIN, NJ 08859",
                      "owner_as_of_date": null,
                      "name": "Checking",
                      "type": "checking",
                      "currency": "USD",
                      "aggregation_status_code": 0,
                      "income_streams": [
                          {
                              "id": "acbv1wdhitx6-voetransactions1",
                              "name": "check-cash deposit",
                              "status": "ACTIVE",
                              "estimate_inclusion": "HIGH",
                              "confidence": 100,
                              "cadence": {
                                  "start_date": "2024-06-02T12:00:00.000Z",
                                  "stop_date": null,
                                  "days": 16
                              },
                              "days_since_last_transaction": 0,
                              "next_expected_transaction_date": "2026-05-29T12:00:00.000Z",
                              "income_stream_months": 5,
                              "transactions": [
                                  {
                                      "id": 13713459123,
                                      "amount": null,
                                      "posted_date": "2026-01-24T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
                                      "memo": "1",
                                      "normalized_payee": "Remote Online",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459206,
                                      "amount": null,
                                      "posted_date": "2026-03-07T12:00:00.000Z",
                                      "description": "ATM CHECK DEPOSIT mm/dd 333 S LS",
                                      "memo": "Some St Somewhere City State",
                                      "normalized_payee": "Atm",
                                      "institution_transaction": "0000000000",
                                      "category": "Cash & ATM",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459226,
                                      "amount": null,
                                      "posted_date": "2026-03-19T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
                                      "memo": "1",
                                      "normalized_payee": "Remote Online",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459023,
                                      "amount": null,
                                      "posted_date": "2026-03-24T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
                                      "memo": "1",
                                      "normalized_payee": "Remote Online",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459104,
                                      "amount": null,
                                      "posted_date": "2026-04-01T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
                                      "memo": "1",
                                      "normalized_payee": "Remote Online",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459075,
                                      "amount": null,
                                      "posted_date": "2026-04-01T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
                                      "memo": "1",
                                      "normalized_payee": "Remote Online",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459134,
                                      "amount": null,
                                      "posted_date": "2026-04-25T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
                                      "memo": "1",
                                      "normalized_payee": "Remote Online",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459182,
                                      "amount": null,
                                      "posted_date": "2026-05-09T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
                                      "memo": "1",
                                      "normalized_payee": "Remote Online",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459153,
                                      "amount": null,
                                      "posted_date": "2026-05-09T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
                                      "memo": "1",
                                      "normalized_payee": "Remote Online",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459125,
                                      "amount": null,
                                      "posted_date": "2026-05-13T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
                                      "memo": "1",
                                      "normalized_payee": "Remote Online",
                                      "institution_transaction": "0000000000",
                                      "category": "Deposit",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  }
                              ]
                          },
                          {
                              "id": "acbv1wdhitx6-voetransactions2",
                              "name": "mad science research",
                              "status": "ACTIVE",
                              "estimate_inclusion": "HIGH",
                              "confidence": 100,
                              "cadence": {
                                  "start_date": "2024-12-12T12:00:00.000Z",
                                  "stop_date": null,
                                  "days": 22
                              },
                              "days_since_last_transaction": 11,
                              "next_expected_transaction_date": "2026-05-24T12:00:00.000Z",
                              "income_stream_months": 5,
                              "transactions": [
                                  {
                                      "id": 13713459054,
                                      "amount": null,
                                      "posted_date": "2026-01-26T12:00:00.000Z",
                                      "description": "Mad Science Research PR PAYMENT",
                                      "memo": "PPD ID: 1234567899",
                                      "normalized_payee": "Mad Science Research",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459096,
                                      "amount": null,
                                      "posted_date": "2026-02-10T12:00:00.000Z",
                                      "description": "Mad Science Research PR PAYMENT",
                                      "memo": "PPD ID: 1234567899",
                                      "normalized_payee": "Mad Science Research",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459067,
                                      "amount": null,
                                      "posted_date": "2026-02-24T12:00:00.000Z",
                                      "description": "Mad Science Research PR PAYMENT",
                                      "memo": "PPD ID: 1234567899",
                                      "normalized_payee": "Mad Science Research",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459087,
                                      "amount": null,
                                      "posted_date": "2026-03-07T12:00:00.000Z",
                                      "description": "Mad Science Research PR PAYMENT",
                                      "memo": "PPD ID: 1234567899",
                                      "normalized_payee": "Mad Science Research",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459037,
                                      "amount": null,
                                      "posted_date": "2026-03-21T12:00:00.000Z",
                                      "description": "Mad Science Research PR PAYMENT",
                                      "memo": "PPD ID: 1234567899",
                                      "normalized_payee": "Mad Science Research",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459027,
                                      "amount": null,
                                      "posted_date": "2026-04-04T12:00:00.000Z",
                                      "description": "Mad Science Research PR PAYMENT",
                                      "memo": "PPD ID: 1234567899",
                                      "normalized_payee": "Mad Science Research",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459057,
                                      "amount": null,
                                      "posted_date": "2026-04-18T12:00:00.000Z",
                                      "description": "Mad Science Research PR PAYMENT",
                                      "memo": "PPD ID: 1234567899",
                                      "normalized_payee": "Mad Science Research",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459230,
                                      "amount": null,
                                      "posted_date": "2026-05-02T12:00:00.000Z",
                                      "description": "Mad Science Research PR PAYMENT",
                                      "memo": "PPD ID: 1234567899",
                                      "normalized_payee": "Mad Science Research",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  }
                              ]
                          },
                          {
                              "id": "acbv1wdhitx6-voetransactions3",
                              "name": "rocket surgery",
                              "status": "ACTIVE",
                              "estimate_inclusion": "HIGH",
                              "confidence": 100,
                              "cadence": {
                                  "start_date": "2024-06-01T12:00:00.000Z",
                                  "stop_date": null,
                                  "days": 15
                              },
                              "days_since_last_transaction": 12,
                              "next_expected_transaction_date": "2026-05-16T12:00:00.000Z",
                              "income_stream_months": 5,
                              "transactions": [
                                  {
                                      "id": 13713459018,
                                      "amount": null,
                                      "posted_date": "2026-01-15T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "memo": "PPD ID: 1234567892",
                                      "normalized_payee": "Rocket Surgery",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459222,
                                      "amount": null,
                                      "posted_date": "2026-02-01T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "memo": "PPD ID: 1234567892",
                                      "normalized_payee": "Rocket Surgery",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459050,
                                      "amount": null,
                                      "posted_date": "2026-02-15T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "memo": "PPD ID: 1234567892",
                                      "normalized_payee": "Rocket Surgery",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459111,
                                      "amount": null,
                                      "posted_date": "2026-03-01T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "memo": "PPD ID: 1234567892",
                                      "normalized_payee": "Rocket Surgery",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459166,
                                      "amount": null,
                                      "posted_date": "2026-03-15T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "memo": "PPD ID: 1234567892",
                                      "normalized_payee": "Rocket Surgery",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459221,
                                      "amount": null,
                                      "posted_date": "2026-04-01T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "memo": "PPD ID: 1234567892",
                                      "normalized_payee": "Rocket Surgery",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459198,
                                      "amount": null,
                                      "posted_date": "2026-04-15T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "memo": "PPD ID: 1234567892",
                                      "normalized_payee": "Rocket Surgery",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  },
                                  {
                                      "id": 13713459034,
                                      "amount": null,
                                      "posted_date": "2026-05-01T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "memo": "PPD ID: 1234567892",
                                      "normalized_payee": "Rocket Surgery",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "type": null,
                                      "security_type": null,
                                      "symbol": null,
                                      "commission": null
                                  }
                              ]
                          },
                          {
                              "id": "acbv1wdhitx6-voetransactions4",
                              "name": "irs treas",
                              "status": "INACTIVE",
                              "estimate_inclusion": "HIGH",
                              "confidence": 100,
                              "cadence": {
                                  "start_date": "2025-10-06T12:00:00.000Z",
                                  "stop_date": "2025-10-06T12:00:00.000Z",
                                  "days": 0
                              },
                              "days_since_last_transaction": null,
                              "next_expected_transaction_date": null,
                              "income_stream_months": null,
                              "transactions": []
                          },
                          {
                              "id": "acbv1wdhitx6-voetransactions5",
                              "name": "secret agent staffing",
                              "status": "INACTIVE",
                              "estimate_inclusion": "HIGH",
                              "confidence": 100,
                              "cadence": {
                                  "start_date": "2024-07-25T12:00:00.000Z",
                                  "stop_date": "2025-06-28T12:00:00.000Z",
                                  "days": 18
                              },
                              "days_since_last_transaction": null,
                              "next_expected_transaction_date": null,
                              "income_stream_months": null,
                              "transactions": []
                          },
                          {
                              "id": "acbv1wdhitx6-voetransactions6",
                              "name": "veridiandynamics payroll ppd id",
                              "status": "INACTIVE",
                              "estimate_inclusion": "HIGH",
                              "confidence": 100,
                              "cadence": {
                                  "start_date": "2024-06-19T12:00:00.000Z",
                                  "stop_date": "2025-04-11T12:00:00.000Z",
                                  "days": 59
                              },
                              "days_since_last_transaction": null,
                              "next_expected_transaction_date": null,
                              "income_stream_months": null,
                              "transactions": []
                          },
                          {
                              "id": "acbv1wdhitx6-voetransactions7",
                              "name": "exspensor",
                              "status": "INACTIVE",
                              "estimate_inclusion": "LOW",
                              "confidence": 25,
                              "cadence": {
                                  "start_date": "2024-07-08T12:00:00.000Z",
                                  "stop_date": "2025-03-17T12:00:00.000Z",
                                  "days": 50
                              },
                              "days_since_last_transaction": null,
                              "next_expected_transaction_date": null,
                              "income_stream_months": null,
                              "transactions": []
                          }
                      ]
                  }
              ],
              "id": 102168,
              "name": "FinBank Profiles - B",
              "url_home_app": "http://www.finicity.com"
          }
      ],
      "user": "019e2352-921f-babc-568b-c1cfe44e0216"
  }
  ```
</Accordion>

<Accordion title="Verification of Income (Doc VOI) — PDF and JSON">
  [PDF](https://res.cloudinary.com/argyle-media/image/upload/v1778710602/docs-2026/Doc_VOI.pdf)

  Report PDF

  <Frame>
    <img alt="Image of Verification of Income (Doc VOI) report." />
  </Frame>

  ```json theme={}
  {
      "report_id": "02889578-fb0f-4fb5-8ee3-f2d8f3f8116b",
      "type": "doc-voi-mortgage",
      "user_id": "019e2367-129d-98d2-8ff0-56660fee2c83",
      "external_id": null,
      "created_at": "2026-05-13T22:15:55.226Z",
      "last_synced_at": null,
      "metadata": {
          "aim_check": {
              "status": "available",
              "employments": [
                  {
                      "employer": "WAREHOUSE SERVICES INC",
                      "eligibility": true,
                      "eligibility_issues": []
                  }
              ],
              "reference_id": "FM-0850681-02889578-fb0f-4fb5-8ee3-f2d8f3f8116b"
          }
      },
      "documents": [
          {
              "id": "019e2368-ceb6-102e-7c0f-4e4a957b53de",
              "employer": "WAREHOUSE SERVICES INC",
              "document_type": "paystubs",
              "pay_date": "2026-05-12",
              "pay_period_start_date": "2026-04-27",
              "pay_period_end_date": "2026-05-12",
              "year": null
          },
          {
              "id": "019e2369-1776-fe80-14a7-326a45f5c619",
              "employer": "WAREHOUSE SERVICES INC",
              "document_type": "paystubs",
              "pay_date": "2025-12-15",
              "pay_period_start_date": "2025-12-01",
              "pay_period_end_date": "2025-12-15",
              "year": null
          },
          {
              "id": "019e2368-f4d7-01e7-544c-39b0871f0bf4",
              "employer": "WAREHOUSE SERVICES INC",
              "document_type": "paystubs",
              "pay_date": "2024-12-15",
              "pay_period_start_date": "2024-12-01",
              "pay_period_end_date": "2024-12-15",
              "year": null
          }
      ],
      "employments": [
          {
              "employment": null,
              "account": null,
              "last_synced_at": null,
              "source": "Doc Upload",
              "first_name": null,
              "last_name": null,
              "full_name": "BOB JONES",
              "birth_date": null,
              "ssn": "123456789",
              "phone_number": null,
              "email": null,
              "employee_address": {
                  "line1": "1234 MAIN STREET",
                  "line2": null,
                  "city": "BALTIMORE",
                  "state": "MD",
                  "postal_code": "20600",
                  "country": null
              },
              "employer": "WAREHOUSE SERVICES INC",
              "employer_address": {
                  "line1": "22122 U.S. 12877",
                  "line2": null,
                  "city": "ARLINGTON",
                  "state": "IL",
                  "postal_code": "60004",
                  "country": null
              },
              "status": "active",
              "employment_type": null,
              "job_title": null,
              "base_pay": null,
              "pay_cycle": "semimonthly",
              "start_date": "2023-02-01",
              "original_hire_date": "2023-02-01",
              "end_date": null,
              "length_of_work": null,
              "last_pay_period_end_date": "2026-05-12",
              "last_paystub_date": "2026-05-12",
              "income": [
                  {
                      "period": "2026",
                      "currency": "USD",
                      "gross_pay": {
                          "total": "49203.85",
                          "base": "45503.85",
                          "overtime": "14400.00",
                          "bonus": "16900.00",
                          "commission": null,
                          "other": null
                      }
                  },
                  {
                      "period": "2025",
                      "currency": "USD",
                      "gross_pay": {
                          "total": "49203.85",
                          "base": "45503.85",
                          "overtime": "14400.00",
                          "bonus": "16900.00",
                          "commission": null,
                          "other": null
                      }
                  },
                  {
                      "period": "2024",
                      "currency": "USD",
                      "gross_pay": {
                          "total": "49203.85",
                          "base": "45503.85",
                          "overtime": "14400.00",
                          "bonus": "16900.00",
                          "commission": null,
                          "other": null
                      }
                  }
              ],
              "monthly_income": {
                  "aim_check": {
                      "total": "6400.32",
                      "base": "3791.99",
                      "overtime": "1200.00",
                      "bonus": "1408.33",
                      "commission": "0.00",
                      "other": "0.00"
                  }
              },
              "callouts": []
          }
      ]
  }
  ```
</Accordion>


# Testing
Source: https://docs.argyle.com/verifications/testing

Test each verification type in Sandbox.

Start with [Sandbox Testing](/overview/sandbox-testing) for API keys, sample payroll accounts, simulated refreshes, and connection errors. This page adds the product-specific profiles and files used to test payroll, banking, and Doc VOI verifications.

## Payroll test profiles

Use Argyle's [sample user credentials](https://docs.argyle.com/overview/sandbox-testing#connect-sample-users) in Link to connect to:

* **Sandbox**: any employer or payroll provider
* **Production**: `Platformtronic` or `Employertronic`

For specific scenario testing, the following sample users are also available:

|                    | Homer Loanseeker                          | Suzi Builder                          | Andy Freddie                             |
| ------------------ | ----------------------------------------- | ------------------------------------- | ---------------------------------------- |
| Email              | homer\_loanseeker<span>@</span>argyle.com | suzi\_builder<span>@</span>argyle.com | andy\_freddie<span>@</span>argyle.com    |
| Username           | homer\_loanseeker                         | suzi\_builder                         | andy\_freddie                            |
| Password           | passgood                                  | passgood                              | passgood                                 |
| Verification code  | 9081                                      | 9084                                  | 9088                                     |
| Phone number       | (800) 900-0101                            | (800) 900-0104                        | (800) 900-0108                           |
| Driver's license # | D1230101                                  | D1230104                              | D1230108                                 |
| **Returns**        | **1 active employment**                   | **2 active employments**              | **1 active and 1 terminated employment** |

## Banking test profiles

<Note>
  When you're ready to begin testing, contact your Argyle Customer Success Manager to enable banking permissions.
</Note>

<Warning>
  The Sandbox testing environment for banking supports a maximum of 500 users. To stay within this limit, implement user-management workflows and remove inactive users when they are no longer needed.
</Warning>

The following sample test profiles can be connected to:

* **Sandbox**: connect to `FinBank Profiles A` or `FinBank Profiles B`
* **Production**: connect to `FinBank Billable` or `FinBank Oauth Billable`

| Username    | Password    | Account types                                                                  | Supported products                     |
| ----------- | ----------- | ------------------------------------------------------------------------------ | -------------------------------------- |
| profile\_02 | profile\_02 | Savings, IRA, 401k, Credit Card                                                | `voa`, `voi`, `voai`                   |
| profile\_03 | profile\_03 | Checking, Personal Investment, 401K, Roth, Savings (Joint Account owners)      | `voa`, `voi`, `voai`                   |
| profile\_04 | profile\_04 | Checking, 403B, 529, Rollover, Mortgage                                        | `voa`, `voi`, `voai`                   |
| profile\_05 | profile\_05 | Checking, Investment, Stocks, UGMA, UTMA (Joint Account owners)                | `voa`, `voi`, `voai`                   |
| profile\_06 | profile\_06 | Checking, Retirement, KEOGH, 457, Credit Card                                  | `voa`, `voi`, `voai`                   |
| profile\_07 | profile\_07 | Checking, Stocks, CD, Investment Tax-Deferred, Employee Stock                  | `voa`, `voi`, `voai`                   |
| profile\_08 | profile\_08 | Checking, Primary Savings, Money Market, 401A, Line of credit                  | `voa`, `voi`, `voai`                   |
| profile\_09 | profile\_09 | Checking, Savings, Checking failed report. Errors include `102`, `103`, `185`. | `voa`, `voi`, `voai` *(failed report)* |

For specific scenario testing, the following sample users are also available:

|             | Sue Wealthy                                                                                                                                                                                                                                                                                             | River Paycheck                                                                                                                                                                                                                                                            | Alex Student                                                                                                                                                                                                                                                                                                                                   |
| ----------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Username    | sue\_wealthy                                                                                                                                                                                                                                                                                            | river\_paycheck                                                                                                                                                                                                                                                           | alex\_student                                                                                                                                                                                                                                                                                                                                  |
| Password    | profile\_700                                                                                                                                                                                                                                                                                            | profile\_703                                                                                                                                                                                                                                                              | profile\_704                                                                                                                                                                                                                                                                                                                                   |
| Description | Sue is working as a Product Manager with a good steady income, a mortgage, and multiple investment accounts. She has a loan account and leases a car. Sue travels a few times a year. She has typical expenses like groceries, clothes, entertainment, gym membership, car expenses, and she has a pet. | River works in construction. He rents an apartment and has typical expenses like groceries, clothes, entertainment, household and car expenses. He has some savings but no investments, no loans and no credit cards. In some months, River's expenses exceed his income. | Alex is working full-time with a good salary but she is still paying off her student loan. She makes regular monthly repayments, but she still has over \$30,000 to pay off. Alex has typical expenses like groceries, clothes, entertainment, household, and car expenses. She has limited savings and she has started an investment account. |

## Doc VOI test documents

<Note>
  When you're ready to begin testing, contact your Argyle Customer Success Manager to enable document permissions.
</Note>

Use the sample documents below for Doc VOI verifications.

For all scenarios below, order a document verification with the following `employments` value:

```json theme={}
"employments": [
  {
    "employer": "Warehouse Services Inc",
    "status": "active",
    "hire_date": "2023-02-01",
    "termination_date": null
  }
]
```

<Warning>
  Do not adjust file names.
</Warning>

<Tabs>
  <Tab title="Sandbox">
    <AccordionGroup>
      <Accordion title="GSE-eligible monthly income">
        Upload the following documents:

        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/Warehouse_Services_Inc_paystub.pdf">Warehouse\_Services\_Inc\_paystub.pdf</a>
        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/Warehouse_Services_Inc_paystub_2025.pdf">Warehouse\_Services\_Inc\_paystub\_2025.pdf</a>
        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/Warehouse_Services_Inc_paystub_2024.pdf">Warehouse\_Services\_Inc\_paystub\_2024.pdf</a>
      </Accordion>

      <Accordion title="Not GSE-eligible monthly income">
        Upload the following documents:

        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2025/Warehouse_Services_Inc_paystub_ineligible.pdf">Warehouse\_Services\_Inc\_paystub\_ineligible.pdf</a>
        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/Warehouse_Services_Inc_paystub_2025.pdf">Warehouse\_Services\_Inc\_paystub\_2025.pdf</a>
        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2025/Warehouse_Services_Inc_paystub_2024.pdf">Warehouse\_Services\_Inc\_paystub\_2024.pdf</a>
      </Accordion>

      <Accordion title="Requires more data">
        Upload only the following document:

        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/Warehouse_Services_Inc_paystub.pdf">Warehouse\_Services\_Inc\_paystub.pdf</a>
      </Accordion>
    </AccordionGroup>
  </Tab>

  <Tab title="Production">
    <Note>
      Production testing can be done with real documents. If needed, use the sample files below.
    </Note>

    <AccordionGroup>
      <Accordion title="GSE-eligible monthly income">
        Upload the following documents:

        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/sandbox_Warehouse_Services_Inc_paystub.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub.pdf</a>
        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/sandbox_Warehouse_Services_Inc_paystub_2025.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub\_2025.pdf</a>
        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/sandbox_Warehouse_Services_Inc_paystub_2024.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub\_2024.pdf</a>
      </Accordion>

      <Accordion title="Not GSE-eligible monthly income">
        Upload the following documents:

        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2025/sandbox_Warehouse_Services_Inc_paystub_ineligible.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub\_ineligible.pdf</a>
        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/sandbox_Warehouse_Services_Inc_paystub_2025.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub\_2025.pdf</a>
        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/sandbox_Warehouse_Services_Inc_paystub_2024.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub\_2024.pdf</a>
      </Accordion>

      <Accordion title="Requires more data">
        Upload only the following document:

        * <a href="https://res.cloudinary.com/argyle-media/image/upload/docs-2026/sandbox_Warehouse_Services_Inc_paystub.pdf">sandbox\_Warehouse\_Services\_Inc\_paystub.pdf</a>
      </Accordion>
    </AccordionGroup>
  </Tab>
</Tabs>


# Verification Statuses
Source: https://docs.argyle.com/verifications/verification-statuses

Track verification status changes and retrieve completed report results.

Use verification webhooks as the source of truth for backend lifecycle tracking. SDK callbacks can update the immediate frontend experience, but they do not replace verification status updates.

## Subscribe to webhooks

Subscribe to the [`verifications.updated`](/api-reference/verifications-webhooks/updated) webhook to track lifecycle events.

<Note>
  Set `config.include_resource = true` so the webhook payload contains the full verification object inside `data.resource`.
</Note>

The most common verification `status.code` values are:

| Status code              | Meaning                                                              |
| ------------------------ | -------------------------------------------------------------------- |
| `pending`                | Verification created; user action may still be required.             |
| `user_session_started`   | User opened the connection flow.                                     |
| `authenticated`          | User authenticated and processing has started.                       |
| `awaiting_certification` | Government verification is waiting for applicant self-certification. |
| `documents_processing`   | Uploaded documents are processing.                                   |
| `report_generating`      | The report is generating.                                            |
| `completed`              | The report is ready to retrieve.                                     |
| `completed_with_errors`  | The report is ready, but contains limitations or deficiencies.       |

These are the primary lifecycle updates. See [`status`](/api-reference/verifications/retrieve-a-verification#response-status) for all state transitions and their meanings.

## Download reports and JSON

When `status.code` is `completed` or `completed_with_errors`, the `report` object contains:

* `file_url` — PDF report
* `json_url` — report in JSON format

<Accordion title="Example webhook">
  ```json theme={}
  {
    "event": "verifications.updated",
    "name": "name-for-the-webhook-subscription",
    "data": {
      "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
      "verification": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
      "resource": {
        "id": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
        "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
        "created_at": "2023-03-09T16:22:06.081Z",
        "updated_at": "2023-03-09T16:22:06.081Z",
        "channel": "api",
        "status": {
          "state": "COMPLETED",
          "code": "completed",
          "errors": []
        },
        "report": {
          "id": "2a14ce6f-3aed-4c15-8ea2-92a17b6edb95",
          "type": "doc-voi-mortgage",
          "file_url": "www.argyle.com/storagename/pdf",
          "json_url": "www.argyle.com/storagename/json"
        },
        "employments": [
          {
            "employer": "Starbucks",
            "status": "active",
            "hire_date": "2015-08-28",
            "termination_date": null
          }
        ],
        "loan": {
          "number": "1234",
          "borrower_id": "ABC789",
          "application_id": "2121313",
          "officer_email": "john.doe@mortgage.com"
        },
        "billing": {
          "cost_center": "5"
        },
        "data_source": "documents"
      }
    }
  }
  ```
</Accordion>

GET requests to `file_url` and `json_url` require [Argyle authentication headers](/api-guide/overview#authentication).


# Banking Verifications
Source: https://docs.argyle.com/verifications/verification-types/banking

Order asset, income, and transaction reports from financial accounts.

Use a banking verification when the user will connect financial accounts and share the information required for an asset, income, or transaction report.

## Create or re-use a user

If the person already has an Argyle user with your organization, reuse that user ID across payroll, banking, and document workflows. [Update the existing user](/api-reference/users/update-a-user) with any missing banking details before ordering the verification.

Banking verifications require:

* `first_name` and `last_name`.
* `address`.
* Either `ssn` or `birth_date`.
* Either `email` or `phone_number`.

For a new user, send the following body to [`POST /v2/users`](/api-reference/users/create-a-user). This example uses `birth_date` and `email`.

```json theme={}
{
  "first_name": "Jane",
  "last_name": "Doe",
  "email": "jane@example.com",
  "address": {
    "city": "New York",
    "line1": "123 Main St",
    "state": "NY",
    "country": "US",
    "postal_code": "10001"
  },
  "birth_date": {
    "year": 1990,
    "month": 1,
    "day": 13
  }
}
```

Store the returned user `id` and use it as `user` when ordering the verification below.

## Order a banking verification

* `voa` — Verification of Assets.
* `voai` — Verification of Assets and Income.
* `voi` — Verification of Income.
* `voe-transactions` — Verification of Employment based on transaction data.

Send the following body to [`POST /v2/verifications`](/api-reference/verifications/order-a-verification). Select the report type in `report.type`. The optional `report.configuration` object can define the history start date, income confidence threshold, and report custom fields.

```json theme={}
{
  "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
  "report": {
    "type": "voai",
    "configuration": {
      "from_date": "2024-01-01T00:00:00Z",
      "income_stream_confidence_minimum": 50,
      "report_custom_fields": [
        {
          "label": "loanID",
          "value": "12345",
          "shown": true
        }
      ]
    }
  }
}
```

## Choose a session type

After ordering the verification, create an embedded session or send an invite.

<Frame>
  <img alt="A user connects financial accounts for a banking verification." />
</Frame>

### Embedded banking

Create a session with [`POST /v2/sessions`](/api-reference/verifications/create-a-session), then pass the returned session `link` to the banking SDK as `connectURL`.

<Accordion title="Banking SDK example">
  ```html theme={}
  <div id="connect-container"></div>

  <script type="module">
    import { Connect } from 'https://cdn.openbanking.mastercard.com/js/connect-web-sdk@2.2.0/mastercard-connect-esm.min.js'

    const connectURL = 'SESSION_LINK'
    const eventHandlers = {
      onDone: event => console.log('Connection successful', event),
      onCancel: event => console.log('User cancelled', event),
      onError: event => console.log('Banking flow error', event)
    }

    Connect.launch(connectURL, eventHandlers, {
      popup: false,
      selector: '#connect-container'
    })
  </script>
  ```
</Accordion>

Use SDK callbacks for immediate frontend handling. Subscribe to the [`verifications.updated`](/api-reference/verifications-webhooks/updated) webhook for backend lifecycle tracking.

For SDK installation and configuration options, see the <a href="https://developer.mastercard.com/open-finance-us/documentation/connect/integrating/sdk/web-sdk/sdk/">banking SDK documentation</a>.

### Email or SMS invite

Create an invite session with `type = invite`, the user ID, and an email address, phone number, or both. The user must have an active banking verification. The invitation opens a hosted connection flow, so no frontend SDK initialization is required.

<Note>
  Banking invites and other hosted or no-SDK banking paths must be enabled by Argyle before use. Contact your Argyle Customer Success Manager before using one of these paths.
</Note>

See the [Quickstart invite example](/verifications/quickstart#invites).

## Result

Wait for the [`verifications.updated`](/api-reference/verifications-webhooks/updated) webhook. When the verification reaches `completed` or `completed_with_errors`, retrieve the report from `report.file_url` or `report.json_url`.

* See [Verification Statuses](/verifications/verification-statuses).
* Review the [banking report examples](/verifications/reports-and-source-documents#banking-voa).
* Use the [banking test profiles](/verifications/testing#banking-test-profiles).


# Doc VOI
Source: https://docs.argyle.com/verifications/verification-types/document-voi

Order a mortgage income report from uploaded documents.

Doc VOI uses paystubs and year-end income documents to support mortgage income calculations when a direct payroll connection is not used.

<Note>
  Doc VOI is designed for mortgage workflows. For standalone document collection, OCR, and authenticity, use [Document Uploads](/workflows/document-processing).
</Note>

## Create or re-use a user

If the person already has an Argyle user with your organization, reuse that user ID across payroll, banking, and document workflows. [Update the existing user](/api-reference/users/update-a-user) with any missing details before ordering Doc VOI. The required fields are `first_name`, `last_name`, and `ssn`.

For a new user, send the following body to [`POST /v2/users`](/api-reference/users/create-a-user):

```json theme={}
{
  "first_name": "Jane",
  "last_name": "Doe",
  "ssn": "000-00-0000"
}
```

Store the returned user `id`. Use the same ID when ordering the verification and uploading its documents.

## Order a Doc VOI verification

Send the following body to [`POST /v2/verifications`](/api-reference/verifications/order-a-verification). Set `report.type` to `doc-voi-mortgage` and include the employment details represented by the documents.

```json theme={}
{
  "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
  "employments": [
    {
      "employer": "Warehouse Services Inc",
      "status": "active",
      "hire_date": "2023-02-01",
      "termination_date": null
    }
  ],
  "report": {
    "type": "doc-voi-mortgage"
  }
}
```

## Required documents

For each employment, provide:

* The most recent paystub.
* A W-2 or December/year-end paystub for each required prior year.

The employment names and dates in the verification order should match the uploaded documents. The required history can vary by employment and mortgage workflow. If the verification enters `more_data_required`, upload the additional requested documents for the same user.

## Upload documents

After ordering the verification, upload each document for the same user through [`POST /v2/user-uploads`](/api-reference/user-uploads/upload-a-document). A Doc VOI verification does not require a payroll or banking session.

<Frame>
  <img alt="Doc VOI report PDF." />
</Frame>

## Result

Wait for the [`verifications.updated`](/api-reference/verifications-webhooks/updated) webhook while documents are processed and the report is generated. Retrieve the completed report from `report.file_url` or `report.json_url`.

* See [Verification Statuses](/verifications/verification-statuses).
* Follow [Doc VOI re-verification](/verifications/re-verification#doc-voi-with-new-documents) when updated documents are required.
* Use the [Doc VOI test files](/verifications/testing#doc-voi-test-documents).


# Payroll Verifications
Source: https://docs.argyle.com/verifications/verification-types/payroll

Order income and employment reports from payroll accounts.

Use a payroll verification when the user will connect an employer or payroll-provider account and share income or employment information straight from the source.

## Create or re-use a user

If the person already has an Argyle user with your organization, reuse that user ID across payroll, banking, and document workflows. [Update the existing user](/api-reference/users/update-a-user) if either `first_name` or `last_name` is missing; both are required for payroll verifications.

For a new user, send the following body to [`POST /v2/users`](/api-reference/users/create-a-user):

```json theme={}
{
  "first_name": "Jane",
  "last_name": "Doe"
}
```

Store the returned user `id` and use it as `user` when ordering the verification below.

## Order a payroll verification

* `voie` — Verification of Income and Employment.
* `voe` — Verification of Employment.

Send the following body to [`POST /v2/verifications`](/api-reference/verifications/order-a-verification), using the required type in `report.type`:

```json theme={}
{
  "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
  "report": {
    "type": "voie"
  }
}
```

## Government payroll

`voie-government` is a payroll report type for government benefits workflows. The workflow can include applicant self-certification and other program-specific steps. See [Government Benefits](/verticals/government-benefits).

## User experience

[Create an embedded or invite session](/verifications/quickstart#create-a-session) after ordering the verification. The user opens Link, finds each relevant employer or payroll provider, and connects the corresponding account.

<Frame>
  <img alt="Link is where payroll accounts are connected through Argyle." />
</Frame>

Use the returned session `link` with the [Web SDK](/link/initialization/web#initialize-with-connecturl), [Mobile SDKs](/link/initialization/mobile-sdks), or [Hosted Link](/link/initialization/hosted-link).

## Result

Wait for the [`verifications.updated`](/api-reference/verifications-webhooks/updated) webhook. When the verification reaches `completed` or `completed_with_errors`, retrieve the report from `report.file_url` or `report.json_url`.

* See [Verification Statuses](/verifications/verification-statuses).
* Review the [Payroll VOIE example](/verifications/reports-and-source-documents#payroll-voie).
* Use the [payroll test profiles](/verifications/testing#payroll-test-profiles) in Sandbox.


# Wholesale Mortgage
Source: https://docs.argyle.com/verifications/wholesale-mortgage

Send broker-branded borrower invites through the Verifications API.

Wholesale lenders can use the Verifications API to send borrower invites that display the mortgage broker's name and contact details. Borrowers use Argyle to share their income, employment, and asset information with the lender.

The lender's application manages the broker's ordering workflow. For ordering through Encompass, see [TPO Connect](/integrations/pos-los/encompass/tpo-connect).

## Before you begin

* Follow the [Quickstart](/verifications/quickstart) for authentication and verification setup.
* The wholesale lender's Argyle account must be configured for the Mortgage industry. Contact your Customer Success Manager if you need help with this setting.
* Associate users and verifications with the lender. Broker details customize the borrower experience; brokers do not need separate Argyle accounts or API keys.

## Add broker details to the borrower

When you [create a user](/api-reference/users/create-a-user), include `external_metadata.broker`. For an existing borrower, [update the user](/api-reference/users/update-a-user) before creating the invite.

```json theme={}
{
  "first_name": "John",
  "last_name": "Smith",
  "email": "john.smith@example.com",
  "external_metadata": {
    "broker": {
      "name": "Jane Diaz",
      "email": "jane.diaz@example.com",
      "phone_number": "+14165551234",
      "nmls": "1234567"
    }
  }
}
```

When adding a broker, `name` is required. `email`, `phone_number`, and `nmls` are optional. Use E.164 international format for the phone number. Missing contact details are omitted from the borrower-facing contact card.

Keep using the same borrower user ID for subsequent verifications. Broker details are stored on the user, so they do not need to be supplied with each verification or invite.

Include the additional [user details required by the verification type](/verifications/quickstart#create-or-reuse-a-user), such as an address for banking verifications.

## Order verifications and send an invite

1. [Order a verification](/api-reference/verifications/order-a-verification) for each required payroll or banking report. For wholesale loans, set `loan.division` to `wholesale` when ordering each verification.
2. To receive progress emails, set `configuration.notified_recipients` on each verification. Include the broker and any lender recipients who need updates. If this field is omitted, no verification progress emails are sent.
3. [Create a session](/api-reference/verifications/create-a-session) with `type: invite`, the borrower user ID, and the borrower's email address, phone number, or both.

```json theme={}
{
  "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
  "type": "invite",
  "configuration": {
    "email": "john.smith@example.com",
    "reply_to": "jane.diaz@example.com"
  }
}
```

The user must have at least one active payroll or banking verification. One invite can include multiple active verifications for the same borrower.

`configuration.reply_to` controls where replies to the borrower invite go. It is separate from `configuration.notified_recipients` on the verification, which controls progress notifications. Adding broker contact details does not subscribe the broker or lender to those notifications.

For document-based income verification, follow the [Doc VOI workflow](/verifications/verification-types/document-voi). Doc VOI orders do not use an invite session.

## Choose the invite flow

For Mortgage accounts, broker details determine whether the invite uses a wholesale or retail flow. Omit `configuration.flow_id` to use the matching default, or provide a custom flow created for that experience.

| Broker details on the user | Provided flow | Flow used               |
| -------------------------- | ------------- | ----------------------- |
| Present                    | None          | Default wholesale flow  |
| Present                    | Wholesale     | Provided wholesale flow |
| Present                    | Retail        | Default wholesale flow  |
| Absent                     | None          | Default retail flow     |
| Absent                     | Retail        | Provided retail flow    |
| Absent                     | Wholesale     | Default retail flow     |

Use separate custom flows for retail and wholesale. To customize wholesale messaging, ask your Customer Success Manager to enable wholesale flow creation, then create a [Mortgage Wholesale email/SMS template](/console/flows/email-sms-templates#wholesale-mortgage-templates). A custom flow is not required to use the default wholesale experience.

## Borrower experience

<Frame>
  <img alt="A broker-branded email invitation opens a landing page where the borrower can connect payroll and bank accounts." />
</Frame>

* The invite email, SMS, and landing page identify the broker. The email sender name is `[Broker_name] via Argyle`.
* The email and landing page show the broker's available contact details.
* The lender remains named in the email footer and consent and data-sharing screens. Argyle Link and the banking connection experience may also display lender branding.
* Subsequent invites for the same borrower retain the broker context, including when re-verification requires borrower action.

Wholesale emails use the lender's [custom sender domain](/console/management/custom-sender-domain), when configured, or `notifications@argyle.com`.


# Verticals
Source: https://docs.argyle.com/verticals

Explore implementations for specific industries and programs.

<CardGroup>
  <Card title="Mortgage" icon="money-check-pen" href="/verticals/mortgage">
    Order payroll, banking, and Doc VOI throughout the mortgage lifecycle.
  </Card>

  <Card title="Tenant Screening" icon="users" href="/verticals/tenant-screening">
    Retrieve the income and employment data required for tenant screening.
  </Card>

  <Card title="Government Benefits" icon="landmark" href="/verticals/government-benefits">
    Combine payroll, banking, and applicant-certified data in benefits workflows.
  </Card>

  <Card title="Personal Lending" icon="money-check-dollar" href="/verticals/personal-lending">
    Use recent payroll and banking data in personal lending workflows.
  </Card>

  <Card title="Background Check" icon="badge-check" href="/verticals/background-check">
    Retrieve employment records for pre-employment and background checks.
  </Card>

  <Card title="Gig and Workforce" icon="user-tie" href="/verticals/gig-and-workforce">
    Process gig, shift, vehicle, rating, and pay data as it becomes available.
  </Card>
</CardGroup>

<Card title="Custom Workflows" icon="diagram-project" href="/verticals/custom-workflows">
  Choose the data you need, how users share it, and when your application can proceed.
</Card>


# Background Check
Source: https://docs.argyle.com/verticals/background-check

Retrieve applicant-shared employment records for a background check.

Background-check implementations most often use the Data APIs to retrieve employment records applicants share from their payroll accounts. Start with Identities, then add paystubs or source documents only when the check also requires income evidence.

## Define the employment request

Decide whether the check requires:

* The applicant's current employer, prior employers, or both.
* One connected account or multiple accounts covering the required employment history.
* Identity and employment fields only, or supporting paystubs and payroll documents.
* An embedded experience in your applicant portal or an email/SMS invitation.

## Choose the applicant experience

<CardGroup>
  <Card title="Embedded Link" icon="window" href="/link/initialization/overview">
    Launch Link where applicants already provide employment information.
  </Card>

  <Card title="Email or SMS" icon="paper-plane" href="/console/flows/email-sms-templates">
    Send a hosted Link invitation when the applicant completes the request outside your application.
  </Card>
</CardGroup>

Create one Argyle [user](/api-reference/users/create-a-user) for the applicant and retain the ID. Use [`external_id`](/overview/data-structure/users#external-identifiers) for an application or candidate identifier you need to query later. Keep the same user when the applicant returns or connects another employer.

## Readiness

Use the event that matches the completeness required by the check:

* The [`accounts.connected`](/api-reference/accounts-webhooks/connected) webhook confirms that an account connection succeeded, but does not mean employment data is ready.
* The [`identities.added`](/api-reference/identities-webhooks/added) webhook lets you retrieve an identity as soon as it is created. Continue processing identity updates when fields change.
* The [`users.fully_synced`](/api-reference/users-webhooks/fully-synced) webhook indicates that initial delivery finished for every newly connected payroll account. Use it when the check must wait for all available employment records.

Track every account separately. An applicant can successfully share one employment source while another account fails or requires action.

## Retrieve employment records

* Use [Identities](/api-reference/identities) for employer name, employment status, job title, pay details, and hire or termination dates.
* Use [Employments](/overview/data-structure/employments) to match identities with supporting paystubs and payroll documents for the same job.
* Add [Paystubs](/api-reference/paystubs) and [Payroll Documents](/api-reference/payroll-documents) when the check requires income or source-document support.

Query by user to assemble the applicant's records, or by account to retrieve records from one connection. An account can contain data from more than one employment. Use the `employment` filter when you only need records for a specific employment, or retrieve all records and match them afterward to retain unmatched paystubs.

## Exceptions and fallback

Subscribe to the [`accounts.failed`](/api-reference/accounts-webhooks/failed) webhook and the [`accounts.updated`](/api-reference/accounts-webhooks/updated) webhook with `config.include_resource = true` so your system can distinguish an incomplete request from a connection that needs applicant action.

* Let applicants connect another account when employment history spans more than one source.
* Return the existing user to [Reconnect an Account](/workflows/reconnecting-accounts) when a previously connected account requires action.
* Offer [Document Uploads](/workflows/document-processing) when your process accepts documents after an employer cannot be found or connected.

See [Data Delivery and Readiness](/overview/data-delivery) for the complete synchronization model.


# Custom Workflows
Source: https://docs.argyle.com/verticals/custom-workflows

Choose the data you need, how users share it, and when your application can proceed.

Use this guide when your application needs a different combination of products or data than the other vertical guides describe. Decide what information you need and how users will share it, then choose the guides and endpoints for your implementation.

## Choose the implementation path

<CardGroup>
  <Card title="Verifications" icon="badge-check" href="/verifications/overview">
    Order a report, track its status, and retrieve the completed result.
  </Card>

  <Card title="Data APIs" icon="database" href="/data-apis/overview">
    Retrieve records to use in your own calculations or review process.
  </Card>
</CardGroup>

## Define the workflow

Before implementing, identify:

| Decision          | Questions to answer                                                                                                 |
| ----------------- | ------------------------------------------------------------------------------------------------------------------- |
| Entry point       | Will users connect inside your application, through an email/SMS invite, or through direct login to a known source? |
| Account scope     | Can one account satisfy the request, or must the user connect every relevant income source?                         |
| Data scope        | Which [data sets](/overview/data-structure/data-sets), report types, and history windows are required?              |
| Readiness         | Can processing begin from one resource event or partial history, or must the workflow wait for all initial data?    |
| Fallback          | What happens when a source cannot be found, authentication fails, or the required data does not arrive?             |
| Return experience | Does the workflow need reconnection, updated data, additional documents, or another report later?                   |

## Implementation checklist

1. Create one Argyle [user](/api-reference/users) and retain the ID for the entire workflow.
2. Choose a [Link account-connection experience](/workflows/account-connections), a hosted invitation, or a verification session.
3. Store every returned [account](/api-reference/accounts) ID and track account status independently.
4. Subscribe to the account, resource, and synchronization webhooks that prove your required data is ready.
5. Retrieve records through the relevant list endpoints, follow pagination, and retain resource IDs for later updates.
6. Add an application-level timeout and a clear path for connection errors or incomplete data.
7. Handle [Document Uploads](/workflows/document-processing), [reconnections](/workflows/reconnecting-accounts), and [ongoing refresh](/overview/ongoing-refresh) when the workflow requires them.
8. Delete users or accounts when your application no longer needs them, according to your retention requirements.

Test success, multiple-account, incomplete-data, reconnection, and fallback scenarios in [Sandbox](/overview/sandbox-testing). Use [Data Delivery and Readiness](/overview/data-delivery) to select the correct synchronization events and the [API Reference overview](/api-reference/overview) to select the endpoint family.


# Gig and Workforce
Source: https://docs.argyle.com/verticals/gig-and-workforce

Process gig, shift, vehicle, rating, and pay data from connected accounts.

Use the Data APIs to retrieve gig, shift, and pay records from accounts workers connect. Decide which records and how much history you need before choosing the webhooks to subscribe to.

## Define the data you need

Choose only the resources your application needs:

* [Gigs](/api-reference/gigs) and [Shifts](/api-reference/shifts) for work completed, payments, and scheduled shifts.
* [Identities](/api-reference/identities), [Paystubs](/api-reference/paystubs), [Payroll Documents](/api-reference/payroll-documents), and [Deposit Destinations](/api-reference/deposit-destinations) for worker and payment records.
* [Vehicles](/api-reference/vehicles) and [Ratings](/api-reference/ratings) when those resources are available from the connected source.

Resource availability and history vary by source. Check [Items](/api-reference/items) for the supported data sets and refresh behavior instead of assuming every connected account returns the same records.

## Connect worker accounts

1. Create a [user](/api-reference/users/create-a-user) and retain the ID in your system.
2. Launch [Link](/link/initialization/overview). Use [direct login](/workflows/account-connections#direct-login) when the application already knows the platform the worker needs to connect.
3. Let the worker connect every account required by the workflow.
4. Store and monitor each [account](/api-reference/accounts) independently.

## Choose a readiness window

Do not wait for complete account history when a recent window is sufficient:

* The [`gigs.partially_synced`](/api-reference/gigs-webhooks/partially-synced) webhook indicates that Gigs are available through the configured number of days for one newly connected account.
* The [`shifts.partially_synced`](/api-reference/shifts-webhooks/partially-synced) webhook provides the same control for Shifts.
* Use the corresponding fully-synced event when all available records for that resource are required.
* Use the [`users.fully_synced`](/api-reference/users-webhooks/fully-synced) webhook only when processing must wait for initial delivery from every newly connected payroll account.

Partial- and fully-synced events apply to initial delivery. Reconnection and ongoing updates use account and resource events instead.

## Process the event stream

Retrieve records through paginated list endpoints and process `.added`, `.updated`, and, where available, `.removed` events for the resources your application stores. Keep resource IDs so later events update or remove the correct record.

Subscribe to the [`accounts.updated`](/api-reference/accounts-webhooks/updated) webhook with `config.include_resource = true` and the [`accounts.removed`](/api-reference/accounts-webhooks/removed) webhook to track the connection lifecycle. Return the existing user to [Reconnect an Account](/workflows/reconnecting-accounts) when the worker needs to reauthenticate.

See [Data Delivery and Readiness](/overview/data-delivery) for initial synchronization and [Ongoing Refresh](/overview/ongoing-refresh) for new records after the initial delivery.


# Government Benefits
Source: https://docs.argyle.com/verticals/government-benefits

Use payroll, banking, and applicant-certified data in government benefits workflows.

Government benefits programs can use payroll records, banking reports, or a standardized government payroll report. Reuse the same Argyle user when an applicant completes more than one path.

## Choose the program inputs

<CardGroup>
  <Card title="Payroll Data APIs" icon="database" href="/data-apis/overview">
    Retrieve identities, paystubs, and payroll documents for program-specific rules.
  </Card>

  <Card title="Banking" icon="building-columns" href="/verifications/verification-types/banking">
    Order income, asset, or transaction reports from financial accounts applicants connect.
  </Card>

  <Card title="Government Report" icon="landmark" href="#government-report">
    Generate a payroll income report with optional applicant self-certification.
  </Card>
</CardGroup>

## Shared workflow

1. Create or reuse an Argyle [user](/overview/data-structure/users) for the applicant and retain the ID with the case record.
2. Start the appropriate payroll or banking connection, or order the government report.
3. Let the applicant connect every account needed for the program determination.
4. Track Data API readiness with account and resource webhooks. Track report-based requests with the [`verifications.updated`](/api-reference/verifications-webhooks/updated) webhook.
5. Retrieve the records or completed reports required by your eligibility system.

## Payroll data

For program-specific calculations, retrieve the underlying records directly:

* [Identities](/api-reference/identities) for employer and employment information.
* [Paystubs](/api-reference/paystubs) for earnings, deductions, taxes, and pay-period data.
* [Payroll Documents](/api-reference/payroll-documents) for source documents available from connected accounts.

Use the [`paystubs.partially_synced`](/api-reference/paystubs-webhooks/partially-synced) webhook when the program needs a defined history window. Use the [`users.fully_synced`](/api-reference/users-webhooks/fully-synced) webhook only when the workflow must wait for all initial data from every newly connected payroll account.

## Banking

Banking uses the same user but a separate verification and session. Choose the banking report type required by the program, listen for verification status changes, and retrieve the completed PDF or JSON from the verification resource.

## Government report

Set `report.type` to `voie-government` when [ordering the verification](/api-reference/verifications/order-a-verification).

Applicant self-certification is enabled by default in the standard workflow. Set `report.self_certification` to `false` when applicant review and confirmation are not required.

```json theme={}
{
  "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
  "report": {
    "type": "voie-government",
    "self_certification": true
  }
}
```

<Frame>
  <img alt="Applicant self-certification flow for a government payroll report." />
</Frame>

When self-certification is enabled, the verification can enter `awaiting_certification` after the applicant connects the required accounts. The applicant reviews the available income information in Link before submitting it.

## Exceptions and returning applicants

* Track each payroll account separately so one incomplete connection does not hide records available from another.
* Monitor the [`accounts.updated`](/api-reference/accounts-webhooks/updated) webhook for connections that require applicant action.
* Return the existing user to [Reconnect an Account](/workflows/reconnecting-accounts) rather than creating another case identity.
* Add [Document Uploads](/workflows/document-processing) when the program accepts documents as an alternate source.

See [Data Delivery and Readiness](/overview/data-delivery) for direct payroll data, [Verification Statuses](/verifications/verification-statuses) for report-based requests, and the [Government VOIE example](/verifications/reports-and-source-documents#government-voie) for the report structure.


# Mortgage
Source: https://docs.argyle.com/verticals/mortgage

Implement payroll, banking, and Doc VOI across the mortgage lifecycle.

Mortgage implementations use Verifications to order payroll, banking, and Doc VOI products through one lifecycle. The same user can complete multiple verification types as a loan moves from application through closing.

## Choose verification products

<CardGroup>
  <Card title="Payroll" icon="money-check-dollar" href="/verifications/verification-types/payroll">
    Use payroll data borrowers share for income and employment reports.
  </Card>

  <Card title="Banking" icon="building-columns" href="/verifications/verification-types/banking">
    Use banking data borrowers share for asset, income, and transaction reports.
  </Card>

  <Card title="Doc VOI" icon="file-lines" href="/verifications/verification-types/document-voi">
    Use documents borrowers upload for mortgage income reports.
  </Card>
</CardGroup>

## Implementation workflow

<Steps>
  <Step title="Create or reuse the borrower">
    Maintain one Argyle [user](/overview/data-structure/users) for each borrower. Store the user ID with your application or loan record, and use [`external_id`](/overview/data-structure/users#external-identifiers) when you need to find the borrower by an identifier from your system.
  </Step>

  <Step title="Order each verification">
    Create a [verification](/api-reference/verifications/order-a-verification) for each required report type. Provide the user details required by that product before placing the order.
  </Step>

  <Step title="Start the borrower experience">
    Create a [session](/api-reference/verifications/create-a-session) when the borrower needs to connect a payroll or bank account or upload documents. Launch the returned URL through the appropriate embedded or hosted experience.
  </Step>

  <Step title="Track the lifecycle">
    Subscribe to the [`verifications.updated`](/api-reference/verifications-webhooks/updated) webhook with `config.include_resource = true`. Use verification status for backend decisions; Link callbacks are for the immediate frontend experience.
  </Step>

  <Step title="Retrieve the result">
    When the verification reaches `completed` or `completed_with_errors`, download the PDF or JSON from the authenticated URLs in the verification resource.
  </Step>
</Steps>

## Wholesale mortgage

Wholesale lenders can offer broker-branded borrower invites through the Verifications API or Encompass TPO Connect. The broker's name and contact details appear in the invite and landing page, while the lender remains the Argyle account holder.

* [Verifications API](/verifications/wholesale-mortgage): Add broker details to the borrower and send an invite using a wholesale flow.
* [Encompass TPO Connect](/integrations/pos-los/encompass/tpo-connect): Enable broker ordering with the lender's credentials and configure manual or automated orders.

## Returning borrowers

Do not create another user when a borrower returns later in the loan. Reuse the original user and choose the return path that matches the request:

* Use [instant refresh](/verifications/re-verification#instant-refresh) when the existing connection or uploaded documents can support a new report.
* Create a new active verification and session when the borrower needs to connect another account or provide new documents.
* Create another session for the same active verification if the borrower left before completing the original session.

See [Recovery and Errors](/verifications/recovery-and-errors) for invalid user details, incomplete sessions, and other recovery paths.

## Reports and source documents

Treat the verification webhook as the report-readiness signal. If you also need paystubs or payroll documents, use the employment IDs in the report JSON to limit those requests to employments included in the report.

* Review [Reports and Source Documents](/verifications/reports-and-source-documents).
* Connect Argyle to [Point of Sale Systems](/integrations/pos-los/point-of-sale-systems) or [Loan Origination Systems](/integrations/pos-los/loan-origination-systems).
* See [Day 1 Certainty® and AIM](/integrations/d1c-aim/verifications) for supported GSE workflows and reference-ID guidance.

Start with the [Verifications Quickstart](/verifications/quickstart) for complete request examples.


# Personal Lending
Source: https://docs.argyle.com/verticals/personal-lending

Use payroll data, banking reports, and uploaded documents in personal lending workflows.

Applicants can share payroll data, connect bank accounts, or upload documents for a personal lending application. Choose the products and data required by your lending policy.

## Choose products

<CardGroup>
  <Card title="Payroll" icon="money-check-dollar" href="#payroll">
    Retrieve payroll records for your application or underwriting workflow.
  </Card>

  <Card title="Banking" icon="building-columns" href="#banking">
    Use Banking Verifications for income and asset reports.
  </Card>

  <Card title="Document uploads" icon="file-lines" href="#document-uploads">
    Receive uploaded files and retrieve OCR and authenticity results when enabled.
  </Card>
</CardGroup>

Create one Argyle user for the applicant and store the user ID with the application record. Reuse it across products and when the applicant returns.

## Payroll

Use the Data APIs when your application needs direct access to payroll records. Common data sets include:

* [Identities](/api-reference/identities) for employer, employment status, job, pay, and hire-date information.
* [Paystubs](/api-reference/paystubs) for recent income history.
* [Payroll Documents](/api-reference/payroll-documents) when source files are required.
* [Deposit Destinations](/api-reference/deposit-destinations) for paycheck-allocation information.

If your workflow needs a completed payroll report, use [Payroll Verifications](/verifications/verification-types/payroll).

### Connect payroll accounts

Launch [embedded Link](/link/initialization/overview) inside your application, or send an [email/SMS invitation](/api-reference/invites/send-an-invite). For invitations, store the invite ID with the applicant's user ID.

When your application collects the employer name first, use [Employer Search](/api-reference/employer-search) to check coverage. [Direct login](/workflows/account-connections#direct-login) can take the applicant to a known source.

Track each connected account independently. The [`accounts.connected`](/api-reference/accounts-webhooks/connected) webhook confirms successful authentication, but does not mean payroll data is ready.

### Retrieve payroll data

1. Retrieve employment information after the [`identities.added`](/api-reference/identities-webhooks/added) webhook, and handle subsequent identity updates.
2. Subscribe to the [`paystubs.partially_synced`](/api-reference/paystubs-webhooks/partially-synced) webhook with `config.days_synced` set to the history your lending policy requires. Retrieve paystubs using the account and available dates from the webhook.
3. Also handle the [`paystubs.fully_synced`](/api-reference/paystubs-webhooks/fully-synced) webhook, because an account can complete without a partial-sync event.
4. Use the [`users.fully_synced`](/api-reference/users-webhooks/fully-synced) webhook when waiting for all initial data across the applicant's newly connected payroll accounts.

Follow [Data Delivery and Readiness](/overview/data-delivery#retrieving-paystubs) for multiple accounts, missing partial-sync events, and timeouts. Check that the returned records meet the required history and field requirements before continuing.

Use the `employment` field to [match identities, paystubs, and payroll documents](/overview/data-structure/employments) for the same job. An account can contain records from multiple jobs. Filtering by employment excludes unmatched records; retrieve all records first when those records are also needed.

## Banking

Use [Banking Verifications](/verifications/verification-types/banking) when the applicant will share banking information for an income or asset report.

1. If the applicant already has a user from payroll or document collection, reuse that user ID. Otherwise, create a user. Update any missing [required banking details](/verifications/quickstart#create-a-user) before ordering the verification.
2. Order the required report, such as `voi` for income or `voai` for assets and income.
3. Create a session and launch its link with the [banking SDK](/verifications/verification-types/banking#embedded-banking). Hosted banking invitations must be enabled by Argyle before use.
4. Wait for the `verifications.updated` webhook and retrieve the report PDF or JSON when its status is `completed` or `completed_with_errors`.

Use verification status to determine banking report readiness. Payroll synchronization events do not apply to this path.

## Document uploads

Offer documents as an initial option or when an applicant cannot connect an account. A [document-upload-only Flow](/workflows/document-processing#document-upload-only) lets the applicant upload files in Link without a payroll connection. If you already collect documents outside Link, [upload them through the API](/api-reference/user-uploads/upload-a-document).

Retrieve files through [User Uploads](/api-reference/user-uploads). When OCR is enabled, use [OCR completion and failure webhooks](/integrations/ocr/ocrolus#ocr-webhooks) to track processing and retrieve the results from `metadata.ocr_documents[]`. Authenticity results have their own webhook.

See [OCR and Authenticity](/integrations/ocr/ocrolus) for supported documents, result fields, and errors. Doc VOI is designed for mortgage income calculations; standalone document collection and OCR use the User Uploads API.

## Incomplete and returning applicants

Subscribe to the [`accounts.updated`](/api-reference/accounts-webhooks/updated) webhook with `config.include_resource = true` for payroll connection status changes. Set an application-level timeout for requests that do not produce the required records.

* Return the existing user to [Reconnect an Account](/workflows/reconnecting-accounts) when credentials or MFA need attention.
* Let the applicant upload additional documents through the same document Flow.
* Use [Ongoing Refresh](/overview/ongoing-refresh) if it is enabled for your organization and your lending workflow requires records after the initial decision.

For incomplete banking sessions or report errors, follow [Recovery and Errors](/verifications/recovery-and-errors).


# Tenant Screening
Source: https://docs.argyle.com/verticals/tenant-screening

Use payroll data, banking reports, and uploaded documents for tenant screening.

Applicants can share payroll data, connect bank accounts, or upload documents for tenant screening. Choose the products that provide the information your screening process requires.

## Choose products

<CardGroup>
  <Card title="Payroll" icon="money-check-dollar" href="#payroll">
    Retrieve identities, paystubs, and source documents from accounts applicants connect.
  </Card>

  <Card title="Banking" icon="building-columns" href="#banking">
    Use Banking Verifications for income and asset reports.
  </Card>

  <Card title="Document uploads" icon="file-lines" href="#document-uploads">
    Receive uploaded files and retrieve OCR and authenticity results when enabled.
  </Card>
</CardGroup>

You can offer these products individually or together.

## Payroll

<Note>
  For tenant screening, we recommend retrieving payroll data directly through Argyle's Data APIs rather than ordering payroll verifications that only provide yearly income amounts.
</Note>

Use the Data APIs when your screening process needs employer, employment status, pay, or income history fields from [Identities](/api-reference/identities) and [Paystubs](/api-reference/paystubs). Add [Payroll Documents](/api-reference/payroll-documents) when you also need source files.

Before implementing, determine which fields and how much paystub history you need, whether source documents are required, and what to offer when the required data is unavailable.

### Connect payroll accounts

1. Reuse the applicant's existing [user ID](/overview/data-structure/users), or [create a user](/api-reference/users/create-a-user) and store the returned ID with the applicant record in your system.
2. Create a [user token](/api-reference/user-tokens/create-a-user-token) and launch [Link](/link/initialization/overview) so the applicant can find their employer or payroll provider.
3. Let the applicant connect additional accounts when income from more than one job is needed.
4. Store each connected account ID and track its status independently.

Use [Link callbacks](/link/reference/callbacks) to update the applicant experience. For example, the [`onAccountConnected` callback](/link/reference/callbacks#onaccountconnected) can advance the applicant to the next screen after a successful connection. Use webhooks to determine when payroll data is ready.

### Retrieve payroll data

Subscribe to the webhooks that match the data you need:

| Webhook                                                                          | Use                                                                                                                                  |
| -------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------ |
| [`paystubs.partially_synced`](/api-reference/paystubs-webhooks/partially-synced) | Retrieve paystubs for the requested history window. Use the account ID and `available_from` / `available_to` dates from the webhook. |
| [`users.fully_synced`](/api-reference/users-webhooks/fully-synced)               | Initial data retrieval has finished for all newly connected payroll accounts attached to the user.                                   |

<Note>
  Do not wait only for the `paystubs.partially_synced` webhook. Also handle `users.fully_synced` and set a timeout so applicants are not left waiting if data is unavailable, an account connection error occurs, or an expected webhook is not received. Contact your Argyle Customer Success Manager for a recommended timeout window. See [Retrieving paystubs](/overview/data-delivery#retrieving-paystubs) for the complete flow.
</Note>

Follow pagination and retain resource IDs so later updates modify the corresponding records in your system. A completed sync means all available records were retrieved; check that those records meet your screening requirements.

### Match employments

A payroll account may contain paystubs from multiple jobs. To retrieve the paystubs for the job associated with the connected account:

1. Retrieve the account's [identity information](/api-reference/identities) to identify the job and read its `employment` ID.
2. Use that ID as the `employment` filter when [listing paystubs](/api-reference/paystubs/list-all-paystubs). The returned paystubs will have the same employment ID as the identity.

Paystubs with `employment: null` are excluded by this filter. See [Employments](/overview/data-structure/employments) for more on filtering and handling unmatched paystubs.

## Banking

Use [Banking Verifications](/verifications/verification-types/banking) when applicants will share banking information for an income or asset report.

1. If the applicant already has a user from payroll or document collection, reuse that user ID. Otherwise, create a user. Update any missing [required banking details](/verifications/quickstart#create-a-user) before ordering the verification.
2. Order a verification with the required report type, such as `voi` for income or `voai` for assets and income.
3. Create a banking session and launch the returned link using the [banking SDK](/verifications/verification-types/banking#embedded-banking). Hosted banking invitations must be enabled by Argyle before use.
4. Wait for the `verifications.updated` webhook. When the verification reaches `completed` or `completed_with_errors`, retrieve its report PDF or JSON.

Banking uses verification status for report readiness. Payroll synchronization events do not indicate that a banking report is ready.

## Document uploads

You can also offer a dedicated document upload entry point in your application. Applicants upload files through [Link](/link/overview), the same experience used to connect payroll accounts, with a separate Flow configured for document uploads only.

### Document uploads only

1. Create a [document-upload-only Flow](/workflows/document-processing#document-upload-only) in Console.
2. Select the document categories and required quantities, then save the Flow.
3. Create a [user token](/link/user-tokens) for the applicant and launch Link with that token and Flow ID from your application's document upload entry point. Applicants go directly to document uploads without connecting a payroll account.

If you already collect files outside Link, [upload them through the API](/api-reference/user-uploads/upload-a-document).

Retrieve uploaded files through [User Uploads](/api-reference/user-uploads). When OCR is enabled, listen for [OCR completion and failure webhooks](/integrations/ocr/ocrolus#ocr-webhooks), then retrieve the results from `metadata.ocr_documents[]`. Authenticity results have their own webhook. See [OCR and Authenticity](/integrations/ocr/ocrolus) for supported documents, fields, and processing errors.

<Note>
  Doc VOI is designed for mortgage income calculations. For tenant-screening document collection, OCR, and authenticity, use Document Uploads and the User Uploads API.
</Note>

## Common issues

* **Unmatched paystubs:** A `null` employment does not mean the paystub is unusable. Keep it available for separate processing, without applying another employment's status to it.
* **Missing partial-sync event:** The event may not be sent when no relevant paystubs are available or retrieval completes in one pull. Handle full synchronization and your application's timeout.
* **Connection errors:** Subscribe to the [`accounts.updated`](/api-reference/accounts-webhooks/updated) webhook with `config.include_resource = true` and inspect the account's connection status and errors. Offer another connection attempt when appropriate.

When an applicant returns, reuse their existing user ID. Follow [Reconnect an Account](/workflows/reconnecting-accounts) when credentials or MFA are required, or let them return to the document Flow to provide additional files.


# Account Connections
Source: https://docs.argyle.com/workflows/account-connections

Choose a payroll connection experience.

Users connect payroll accounts through Link at their direction. Choose the starting experience based on what your application already knows about the user's income source.

Configure the experience in a Console Flow, through Link initialization parameters, or in the verification session request where supported.

<Note>
  This guide applies to payroll connections and document-upload flows in Link. For banking, create a verification session and follow [Banking Verifications](/verifications/verification-types/banking#choose-a-session-type).
</Note>

## Search

Search is the **default** user experience in Link.

<Tabs>
  <Tab title="Step 1">
    The user searches from a general list of potential incomes sources. This includes employers, government entities, and payroll services.

    <div>
      <Frame>
        <img alt="Search screen in Link." />
      </Frame>
    </div>
  </Tab>

  <Tab title="Step 2">
    If the user cannot find their source of income from this general list, they will be prompted to search from a list of only payroll providers that service multiple employers.

    <div>
      <Frame>
        <img alt="Can't find income source screen in Link." />
      </Frame>
    </div>

    <Note>
      These payroll providers are searchable in step 1, but we have found narrowing the search focus to payroll providers improves the connection success rate for users.
    </Note>
  </Tab>

  <Tab title="Step 3">
    If the user successfully finds their source of income, they are taken to its respective login screen. From the login screen, the user can enter their login credentials to connect their account.

    <div>
      <Frame>
        <img alt="Login screen in Link." />
      </Frame>
    </div>

    * If the user cannot remember their login credentials, the login screen provides a link to the platform's username/password reset process.
    * Each login screen is tailored to match the input fields used by the underlying payroll system. For example, some systems require a username and password, others an email and password, while others may use SSO methods to login. You can preview the login screen for any employer or payroll system in Console using <a href="https://console.argyle.com/flows">Flows</a>.
  </Tab>

  <Tab title="Step 4">
    If the user cannot ultimately find their source of income, they are asked to submit a response form and list their employers or payroll providers.

    <div>
      <Frame>
        <img alt="Response form screen in Link." />
      </Frame>
    </div>
  </Tab>
</Tabs>

### Common customizations

* Excluding specific Items or Item categories (employers, gig platforms, payroll providers, or government benefits).
* Adjusting the fallback experience when users cannot find their source of income.

<Accordion title="Item groupings">
  Certain Items are used to "group" other individual Items, and may or may not support payroll connections themselves. These Items will have a **Grouping** tag in Console's <a href="https://console.argyle.com/coverage">Coverage</a> page.

  Groupings can be:

  * Payroll providers that support login credentials for multiple employers.
  * Employers that utilize multiple payroll providers.
  * Common employers such as franchises that allow individual locations or regions to independently choose third-party payroll systems for their employees.

  When a user selects a grouping that *does not* directly support payroll connections, a dropdown menu of individual Items that *do* support payroll connections and are related to the particular grouping are shown.

  <div>
    <Frame>
      <img alt="Groupings in Link." />
    </Frame>
  </div>
</Accordion>

## List

As an alternative to search, Link also supports custom lists:

<div>
  <Frame>
    <img alt="List screen in Link." />
  </Frame>
</div>

1. Create a custom list using <a href="https://console.argyle.com/flows">Flows</a> in Console.
2. Apply saved email/SMS template Flows when [sending invites](/console/flows/email-sms-templates#sending-invites), or copy the ID of a saved [embedded experience](/console/flows/embedded-experiences) and add the following line to your embedded [Link initialization](/link/initialization):

   ```json theme={}
   flowId: "<ID of the embedded experience>"
   ```

Alternative:

1. Add an array of Item ID's directly within your Link initialization:

   ```json theme={}
   items: ["<ID of Item 1>", "<ID of Item 2>", "..."]
   ```

## Direct login

Directly open a specific Item in Link when the user's employer or payroll provider is already known.

### New connections

<div>
  <Frame>
    <img alt="Login screen in Link." />
  </Frame>
</div>

1. [Create a customized Flow](/console/flows/embedded-experiences) in Console with "Direct login" selected in the **Search and connect** section.
2. Your customizations will:

* Automatically be applied to the [Shareable URL](/console/flows/shareable-urls) after saving the Shareable URL Flow.
* Be applied when [sending invites](/console/flows/email-sms-templates#sending-invites) if the saved Email/SMS Template Flow is selected from the dropdown.
* Be applied when [embedding Link](/console/flows/embedded-experiences) by copying the `ID` of a saved Embedded Experience Flow and including it within the optional `flowId` [initialization parameter](/link/initialization/overview#optional-initialization-parameters) in your Link initialization:
  ```json theme={}
  flowId: "<ID of the Flow>"
  ```

Alternative:

1. Add an `items` array to your embedded Link initialization with only one Item.
   ```json theme={}
   items: ["<ID of Item 1>"]
   ```
2. (Optional) If you are embedding Link and want to allow users to return to Link's full search experience from the login screen:

* Create a "New Flow" in the <a href="https://console.argyle.com/flows">Flows</a> area of Console and select "Embedded Experience"
* In the **Search and connect** section, select "Search" and adjust the search experience for your users
* Next, in the same **Search and connect** section, select "Direct Login"
* Enable the "Allow users to access full Search experience" toggle
* Select one employer in the "Search to select income sources" selection box

<Note>
  The Item you input in the `items` array (see below) will override this employer when Link is initialized.
</Note>

* Save the Flow and copy the Flow `ID` from the main Flows page
* Add both an `items` array with only one Item, and the copied `flowId` string to your embedded Link initialization:
  ```json theme={}
  items: ["<ID of Item 1>"]
  flowId: "<ID of the Flow>"
  ```

### Existing connections

<div>
  <Frame>
    <img alt="Directly connect a user to an already-connected payroll account." />
  </Frame>
</div>

* If you originally invited the user through Console's [send invites](/console/flows/email-sms-templates#sending-invites) feature, follow the steps in our Email/SMS Flows Guide for [reconnecting existing users](/console/flows/email-sms-templates#reconnecting-existing-users).
* If you are embedding Link, use the optional `accountId` [initialization parameter](/link/initialization/overview#optional-initialization-parameters) and pass in the [ID of the account](/api-reference/accounts#object).

  ```json theme={}
  accountId: "<ID of the account>"
  ```

### Sample app

If you are [embedding Link](/link/initialization), check out our Employer Search sample app (<a href="https://sampleapps.argyle.com/employer-search">Demo</a>) (<a href="https://github.com/argyle-sample-apps/employer-search">Github</a>) ([Documentation](/overview/employer-search)) to see an example project that showcases the direct login method.

In the sample app, a simple employer search bar powered by Argyle's [employer-search endpoint](/api-reference/employer-search) lets users search for their employer. After making a selection, the user is sent directly to that Item's login screen in Link.

<div>
  <Frame>
    <img alt="A search bar lets users search for their employer and directly connect to the respective login screen." />
  </Frame>
</div>

## Document upload

Directly connect users to the document upload screen in Link, bypassing the payroll account connection process. Visit our [Document Processing Guide](/workflows/document-processing) for more information.

<div>
  <Frame>
    <img alt="Link supports directly uploading documents such as paystubs, W-2s, and 1099s." />
  </Frame>
</div>

## Completing MFA

Most payroll systems require multi-factor authentication (MFA) when a user logs in or takes action such as updating their direct deposit settings.

* The MFA process can be completed directly within Link.
* Users can leave Link to retrieve their authentication information and return to the same Link session while it remains active.

<div>
  <Frame>
    <img alt="MFA screen in Link." />
  </Frame>
</div>

## Troubleshooting

<div />

### Connection pending

Link will display "Connection pending" if an account connection is experiencing significant delays.

* Users will be able to exit Link or return to the search screen to connect additional accounts.
* You can monitor the account's connection status [via the API](/api-reference/accounts#object-connection-status), through the <a href="https://console.argyle.com/connections">Connections</a> section of Console, or by subscribing to the [`accounts.updated`](/api-reference/accounts-webhooks/updated) webhook. The account will have an initial status of `connecting` (**API**) or "Attempted" (**Console**) until the connection successfully completes or an [account connection error](/api-reference/account-connection-errors) occurs.

<div>
  <Frame>
    <img alt="Link will show connection pending if the connection process does not complete after a certain amount of time." />
  </Frame>
</div>

### Expired user token

If a user waits too long to complete MFA, they may encounter the `expired_user_token` Link error. Create a new [user token](/link/user-tokens) instead of relying on a specific token lifetime.

To reactivate Link for the user, [create a new user token](/api-reference/user-tokens/create-a-user-token) and either:

* Re-initialize Link with the new user token.
* Pass the user token to the [`onTokenExpired`](/link/reference/callbacks#ontokenexpired) callback.

<div>
  <Frame>
    <img alt="expired_user_token Link error" />
  </Frame>
</div>

## Customizations

For more information on customizing the connection process in Link, visit our [Flows Guides](/console/flows/embedded-experiences).


# Document Processing
Source: https://docs.argyle.com/workflows/document-processing

Upload and process documents.

Documents can be uploaded directly through the API or collected from users in Link. Supported documents include W-2s, 1099s, paystubs, proof of identity, proof of address, and other files.

<Frame>
  <img alt="Link supports directly uploading documents such as paystubs, W-2s, and 1099s as well as proof of identity, proof of address, and a miscellaneous (re-namable) category of documents." />
</Frame>

## Uploading documents

<div />

### User uploads within Link

Document uploads can be enabled and customized through the <a href="https://console.argyle.com/flows">Flows</a> section of Console.

<Accordion title="How to enable document uploads on Link's intro screen">
  1. Create or edit an existing Flow.
  2. In the **Intro screen** section, enable the "Intro screen" and "Document upload" toggles.
  3. In the **Document upload settings** section:

  * Customize the text of the document upload submission screen.
  * Select the document upload categories you would like to display. Choose whether a selected category is optional or required. If required, specify how many documents are needed for the category.
</Accordion>

<Accordion title="How to enable document uploads as a fallback (employer not found or incorrect login credentials)">
  1. Create or edit an existing Flow.
  2. In the **Search and connect** section, scroll down to **Fallback experiences** and select the "Document upload" toggle for one or both fallback scenarios:

  * **User finds no search results** (*not applicable to [Direct login](/workflows/account-connections#direct-login) flows*): Users are prompted to upload documents when they are unable to locate their employer or payroll provider through Link search.
  * **User provides incorrect credentials**: Users are prompted to upload documents when a payroll connection attempt is unsuccessful.

  3. In the **Document upload settings** section:

  * Customize the text of the document upload submission screen.
  * Select the document upload categories you would like to display. Choose whether a selected category is optional or required. If required, specify how many documents are needed for the category.
</Accordion>

<Accordion title="How to enable document uploads on Link's success screen (after an account connection)">
  1. Create or edit an existing Flow.
  2. In the **Success screen** section, select "Allow users to upload documents after a successful connection".
  3. In the **Document upload settings** section:

  * Customize the text of the document upload submission screen.
  * Select the document upload categories you would like to display. Choose whether a selected category is optional or required. If required, specify how many documents are needed for the category.
</Accordion>

The following document uploaded categories are currently supported:

| Category          | Description                                                                                   | OCR supported | Authenticity supported |
| ----------------- | --------------------------------------------------------------------------------------------- | ------------- | ---------------------- |
| Paystubs          | Paystubs used as proof of income.                                                             | Yes           | Yes                    |
| W-2s              | Yearly wage, salary, and tax information.                                                     | Yes           | Yes                    |
| 1099s             | Income other than wages, salaries, and tips.                                                  | Yes           | No                     |
| Proof of identity | Valid form of identity such as a driver's license or passport.                                | No            | No                     |
| Proof of address  | Residential address verification, such as a utility bill, bank statement, or lease agreement. | No            | No                     |
| Miscellaneous     | Re-nameable category for miscellaneous documents.                                             | No            | No                     |

If all document categories are marked as *Optional*, the option to "Skip document upload" will be presented to users:

<Frame>
  <img alt="If all document upload categories are marked as optional, the option to skip document upload will be presented to users." />
</Frame>

After enabling document uploads and saving your Flow in Console:

* **Shareable URLs** — Document uploads will be active when any user enters Link through your saved shareable URL.
* **Email/SMS Templates** — When [inviting new users](/console/flows/email-sms-templates#inviting-new-users), select the Flow from the **Template** dropdown.
* **Embedded Experiences** — Copy the Flow ID from Console and add the following line to your [Link initialization](/link/initialization/overview#optional-initialization-parameters):
  ```json theme={}
  flowId: "<Flow ID>" // (e.g. "V32M5YBC")
  ```

### Document upload only

1. Create or edit an existing Flow.
2. In the **Search and connect** section, select "Doc upload".
3. In the **Document upload settings** section:

* Customize the text of the document upload submission screen.
* Select the document upload categories you would like to display. Choose whether a selected category is optional or required. If required, specify how many documents are needed for the category.

After saving the Flow, use its Flow ID when launching Link. Users will open the document upload screen without connecting a payroll account.

<Frame>
  <img alt="Select Doc upload in the search and connect tab when creating a Link flow customization." />
</Frame>

### Additional uploads (returning users)

When document uploads are enabled, users can [return to Link](/workflows/reconnecting-accounts) and upload additional documents or delete previously uploaded documents. Category limits configured in the Flow continue to apply when the user returns.

<Frame>
  <img alt="Users can return to Link if you need them to upload additional documents." />
</Frame>

### Direct uploads via the API

If you already collect documents outside Link, upload them with [`POST /v2/user-uploads`](/api-reference/user-uploads/upload-a-document).

<Note>
  Uploading documents via the API can be used in combination with [document authenticity and OCR](/workflows/document-processing#document-authenticity-and-ocr). OCR and authenticity information can also be retrieved via the API — see our [OCR guide](/integrations/ocr/ocrolus#api) for more information.
</Note>

## Retrieving uploaded documents

Retrieve uploaded documents through the [User Uploads API](/api-reference/user-uploads). Use [User Upload webhooks](/api-reference/user-uploads-webhooks/added) for backend processing and `onDocumentsSubmitted` for immediate [Link callback](/link/reference/callbacks#ondocumentssubmitted) handling.

Uploaded documents can also be retrieved within the <a href="https://console.argyle.com/connections">Connections section of Console</a> after selecting an individual user. Any uploaded documents will be available for download in an **Uploaded documents** tab.

<Frame>
  <img alt="If a user has uploaded documents through Link, they will appear in an Uploaded Documents tab on the user's page in Console." />
</Frame>

## Document authenticity and OCR

Supported uploaded documents can be processed through [Ocrolus](/integrations/ocr/ocrolus) for OCR and authenticity signals. View the results in [Console](/integrations/ocr/ocrolus#console) or retrieve `metadata.ocr_documents[]` through the [User Uploads API](/api-reference/user-uploads).

Use [OCR webhooks](/integrations/ocr/ocrolus#ocr-webhooks) to track OCR completion, failures, and authenticity results. See [OCR errors](/integrations/ocr/ocrolus#ocr-errors) when a document cannot be processed.

<Frame>
  <img alt="Summary information of document authenticity returned by Ocrolus can be viewed in Console." />
</Frame>

## Supported file types

| File format        | Link support                             | Ocrolus OCR support |
| ------------------ | ---------------------------------------- | ------------------- |
| PDF                | Web, iOS, Android, React Native, Flutter | Yes                 |
| JPG image uploads  | Web, iOS, Android, React Native, Flutter | Yes                 |
| PNG image uploads  | Web, iOS, Android, React Native, Flutter | Yes                 |
| HEIC image uploads | Web, iOS, Android, React Native, Flutter | Yes                 |
| Photo capture      | Web, iOS, Android, React Native, Flutter | Yes                 |

## Restricting to only PDFs

Document uploads can be restricted to only PDF file types by enabling the **Restrict to PDF only** toggle for each document type in the <a href="https://console.argyle.com/flows">Flows</a> section of Console.

<Frame>
  <img alt="Toggle Restrict to PDF only to restrict file uploads to PDFs only." />
</Frame>

When a document type is restricted to PDF only, Link will adjust accordingly to guide users. Depending on the device used to upload documents, they will either be prevented from selecting non-PDF file types or shown an error if a non-PDF file type is uploaded.

<Frame>
  <img alt="Link's doc upload button will change to say Upload PDF instead of Upload, and an invalid file format error will be shown if the user attempts to upload a non-pdf file type." />
</Frame>


# Reconnecting Accounts
Source: https://docs.argyle.com/workflows/reconnecting-accounts

Resume payroll or banking connections that need user action.

A connection can require user action after the original session. Reuse the existing user and active verification whenever the workflow allows it.

Payroll account IDs, account errors, and the Link reconnection screens described below apply to payroll connections. For banking, create another session for the active verification and restart the connection flow. See [Banking Verifications](/verifications/verification-types/banking#choose-a-session-type).

## Choose the return path

### Active verification

If a payroll or banking verification remains active in `pending` or `user_session_started`, create a new session for the same verification with [`POST /v2/sessions`](/api-reference/verifications/create-a-session).

Session links expire after one hour. An expired session does not require another user or verification.

For an invite session, create a new invite for the existing user and active verifications when the original invite has expired or been revoked.

See [Recovery and Errors](/verifications/recovery-and-errors#session-not-completed).

### New verification or refreshed report

A completed or cancelled verification is terminal.

* Create a new verification when the user needs to complete another verification order.
* Use [Re-verification](/verifications/re-verification) when an existing connection or uploaded documents can support an updated report.

### Embedded Link for Data APIs

For a direct-data implementation:

1. Create a new [user token](/api-reference/user-tokens/create-a-user-token) for the existing user.
2. Initialize Link with that user token.
3. Include `accountId` to open the existing account directly.

```json theme={}
{
  "userToken": "USER_TOKEN",
  "accountId": "ACCOUNT_ID"
}
```

Retrieve account IDs from the [Accounts API](/api-reference/accounts/list-all-accounts) or copy the ID from the account details in Console.

### Console invitations and Shareable URLs

For users originally sent through Console, use [Connections](https://console.argyle.com/connections) to resend or copy their existing link when that option is available.

For Shareable URL implementations, follow the [reconnecting users](/console/flows/shareable-urls#reconnecting-users) workflow.

Avoid creating another user only to return the same person to Link. A duplicate user separates the person's existing accounts and data from the new record.

## Why accounts disconnect

Some connected payroll systems require users to reauthenticate periodically or update credentials. Existing data remains available after a disconnection, but ongoing refresh pauses until the user reconnects the account.

The account error identifies the required action.

## Reauthorization required

An `auth_required` error means the payroll system requires the user to reauthorize access.

1. Return the user to the existing account in Link.
2. The user selects **Reconnect**.
3. The user completes any required MFA step.

The user generally does not need to reenter their username and password for this error.

<Frame>
  <img alt="A user selects Reconnect to reauthorize an existing account." />
</Frame>

## Expired credentials

An `expired_credentials` error means the payroll system rejected the stored username or password.

1. Return the user to the existing account in Link.
2. The user opens **Login help** and updates their credentials with the payroll system.
3. The user returns to Link and enters the updated credentials.

<Frame>
  <img alt="Login help directs users to update expired payroll credentials." />
</Frame>

## MFA

The payroll system controls which MFA methods are available and how the user receives or completes the challenge. Link displays the required input after authentication reaches the MFA step.

See [Completing MFA](/workflows/account-connections#completing-mfa).

## Test disconnections

In Sandbox, use the error-testing controls in [Flows](https://console.argyle.com/flows) or the Sandbox account update endpoint to simulate account errors.

See [Sandbox Testing](/overview/sandbox-testing#simulate-errors-in-console).

## Revoking access

Users can revoke a connection from the account details in Link. They can also request help removing a connection by emailing [privacy@argyle.com](mailto:privacy@argyle.com).

After a connection is removed:

* Data from that account is no longer available to your organization through Console or the API.
* The [`accounts.removed`](/api-reference/accounts-webhooks/removed) webhook is sent for the removed account.
* Reconnecting the same source later creates a new account ID.

See [Data Security](/overview/data-security#connections-and-deletion) for retention and deletion guidance.

## Monitor account status

Subscribe to the [`accounts.updated`](/api-reference/accounts-webhooks/updated) webhook with `config.include_resource = true`.

When the account resource has `connection.status = error`, inspect the current error code and follow its remediation. Use the [Account Connection Errors](/api-reference/account-connection-errors) catalog rather than matching only the message text.

Subscribe to the [`accounts.removed`](/api-reference/accounts-webhooks/removed) webhook to track revoked or deleted connections.