# 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 borrower data out of AI prompts unless your organization has approved that workflow.


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



Learn about the Argyle API.

## Introduction

* The Argyle API is built on RESTful principles.
* The API operates over HTTPS to ensure the security of data being transferred.
* All requests and responses are sent in JSON.

<Frame>
  <img alt="The Argyle API returns data through various endpoints, including identities, payroll-documents, deposit-destinations, vehicles, ratings, paystubs, gigs, and shifts." />
</Frame>

* Visit our [API Reference](/api-reference/users) to learn more about each endpoint, and see example requests and responses.
* Subscribe to our [Changelog](https://changelog.argyle.com/) to receive updates on changes to the API.

<Note>
  Implementations should accommodate additional fields and response values being added to existing endpoints as we continuously expand our data granularity.
</Note>

## Creating API keys

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

<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>

## Authentication

All API requests are authenticated over standard [HTTP basic authentication](https://en.wikipedia.org/wiki/Basic_access_authentication).

* username — `api_key_id`
* password — `api_key_secret`

#### Example

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

When making API requests, API keys must match the base URL environment (see below), otherwise a **401-Unauthorized** response code will be returned.

<Note>
  Protect your API keys from being revealed. See [security](/api-guide/overview#security) for best practices.
</Note>

## Environments

Argyle provides two environments:

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

Both Link and the API can be used in either the Sandbox or Production environment.

The Sandbox environment lets you connect sample users in Link, and retrieve their sample data via the API. Visit our dedicated [Sandbox Testing Guide](/overview/sandbox-testing) for more information.

All API endpoints can be used in either the Sandbox or Production environment, with the exception of an additional Sandbox endpoint that lets you [simulate data refreshes](/overview/sandbox-testing#simulate-a-data-refresh) and [update sample data](/overview/sandbox-testing#update-sample-data).

## Data availability

Data is collected in stages after a new account is connected:

#### Fact data

* Available soon after a payroll connection.
* Static information that tends to change less over time.

#### Event data

* Retrieved and made available from most recent to least recent.
* Time-dependent information that can go back a number of years.

<Frame>
  <img alt="Fact data that is static is delivered first, and then followed by event data that can go back a number of years." />
</Frame>

Fact data is initially used to populate fields within Argyle's [data sets](/overview/data-structure/data-sets#categories). As event data is retrieved, previously populated fields are updated and refined, and new data is added to the relevant fields that were previously empty.

<Note>
  Visit our [Data Delivery Guide](/overview/data-delivery) for more information on data availability after a new account connection.
</Note>

After initial data retrieval, Argyle [continuously scans](/overview/ongoing-refresh) and retrieves any new data that is added to a user's payroll account.

## Breaking changes

<Note>
  Subscribe to our [Changelog](https://changelog.argyle.com) to receive updates on changes to the API.
</Note>

*Implementations should accommodate additional fields and response values being added to existing endpoints as we continuously expand our data granularity.*

Argyle considers the following changes to be breaking:

* Changing authentication or authorization requirements
* Removing or re-naming an endpoint
* Removing or re-naming a webhook
* Removing or re-naming a required [request parameter](https://rapidapi.com/guides/learn-api-request-parameters)
* Adding a required request parameter (including previously optional parameters)
* Removing or re-naming any field name (including objects, arrays, or individual properties)
* Changing the type of any field, request parameter, or query parameter

Argyle considers the following changes to be non-breaking:

* Adding an endpoint
* Adding a webhook
* Adding an optional request parameter
* Adding additional response fields (including objects, arrays, or individual properties)
* Returning new response field values
* Returning additional enum values, including new errors
* Changes to error messages
* Fixes to [HTTP response codes](/api-guide/overview#status-codes) from an incorrect code to a correct code

## Security

Secure your API keys using these best practices:

* Only invoke the Argyle API from your own server-side applications.
* Avoid including or adding checks for your API keys in client-side code.
* Store API keys in environment variables or files outside your application's source tree, instead of embedding them directly in your application.
  <Note>
    Storing API keys outside your application's source tree is particularly important if you use a public source code management system such as Github.
  </Note>
* Use one set of API keys for each backend system on your platform. This limits the scope of compromised API keys.
* Delete unused API keys.

## System status

Argyle publishes operational status by product and channel on [status.argyle.com](https://status.argyle.com/). Incidents, updates, and related messaging are posted there and sent automatically to subscribers.

**GET** requests made to the following URLs can also be used to retrieve status and incident information programmatically:

| URL                                                                                                  | Description                                                     |
| ---------------------------------------------------------------------------------------------------- | --------------------------------------------------------------- |
| [https://status.argyle.com/api/v2/status.json](https://status.argyle.com/api/v2/status.json)         | System-wide operational status                                  |
| [https://status.argyle.com/api/v2/components.json](https://status.argyle.com/api/v2/components.json) | Individual operational status by product and channel            |
| [https://status.argyle.com/api/v2/summary.json](https://status.argyle.com/api/v2/summary.json)       | Both system-wide and individual component statuses              |
| [https://status.argyle.com/api/v2/incidents.json](https://status.argyle.com/api/v2/incidents.json)   | History of past incidents, messaging, and time until resolution |

## Status codes

The Argyle API uses the following HTTP response codes:

| Status code                        | Description                                                                                                    |
| ---------------------------------- | -------------------------------------------------------------------------------------------------------------- |
| 200 - OK                           | The request succeeded.                                                                                         |
| 201 - Created                      | The request succeeded and a new resource was created.                                                          |
| 204 - No Content                   | The request succeeded and no content was returned.                                                             |
| 400 - Bad Request                  | The request was invalid and could not be processed.                                                            |
| 401 - Unauthorized                 | Invalid API keys were provided.                                                                                |
| 402 - Request Failed               | The request was valid but could not be processed.                                                              |
| 403 - Forbidden                    | The API keys provided do not have the necessary permissions required to perform the request.                   |
| 404 - Not Found                    | The requested resource could not be found.                                                                     |
| 409 - Conflict                     | The request conflicts with the server state and could not be processed.                                        |
| 429 - Too Many Requests            | Too many requests were sent in a given amount of time. See [rate limiting](/api-guide/overview#rate-limiting). |
| 500, 502, 503, 504 - Server Errors | The request failed due to errors on Argyle servers.                                                            |
| 520 - External Server Error        | The request failed due to errors on an upstream server.                                                        |

## Error responses

When an error occurs, a JSON object is sent in the response describing the error.

#### Example

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

Field validation errors in **POST** requests return a JSON object that lists the invalid fields alongside troubleshooting suggestions.

#### Example

```json theme={}
// Example error response when creating a new webhook:
{ "name": ["This field may not be blank."], "url": ["Enter a valid URL."] }
```

## Null values

*If all data fields are not available, Argyle will still return partial data records.*

Individual fields may return `null` values when:

* The data source does not support that field.
* The data source supports the field, but no information is present.

Arrays may return an empty `[]`.

Objects may return either an empty `{}` or object instance where all properties are set to `null`.

#### Example

```json theme={}
{
    "...",
        "address": {
            "line1": "759 Victoria Plaza",
            "line2": null,
            "state": "NY",
            "country": "US",
            "postal_code": "10014"
        },
        "first_name": "Bob",
        "last_name": "Jones",
        "marital_status": null,
    "..."
}
```

## Pagination

All “List” **GET** requests (“list paystubs”, “list identities”, etc.) return paginated results.

The number of results per page can be defined by using the `limit` parameter when making the request. The default number of results per page is 10, and the maximum is 200.

Paginated responses will have `next` and `previous` page URLs:

```json theme={}
// List users - GET https://api-sandbox.argyle.com/v2/users

{
    "next": "https://api-sandbox.argyle.com/v2/users?cursor=bC0yMDIzLTAyLTA5KzE2JTNCMzAlM0EzNC43MDU0MDMlMkIwMCUzQTAw",
    "previous": null,
    "results": [
        { "..." },
        { "..." }
    [
}
```

To retrieve the next page of results, repeat the **GET** request using the URL in the `next` field.

Following the `next` and `previous` page URLs helps avoid retrieving duplicate results and eliminates redundant calls. This ensures no two requests can happen in parallel to avoid `429` [rate limiting](/api-guide/overview#rate-limiting) responses.

See [concurrency](/api-guide/overview#concurrency) below if you are bulk fetching data using parallel requests.

## Rate limiting

The API allows **50 requests per second**. If this rate is exceeded, a `429` status code will be returned.

Rate limiting may occur during periods of high request volume, often related to analytical or data migration operations.

We recommend including a retry method in your applications that responds to `429` status codes by scaling down your request volume and returning rate limited requests to your queue.

## Concurrency

The API does not use HTTP caching to ensure the data you retrieve is up-to-date. Any caching layers used must be between your application and the API.

We recommend limiting the amount of simultaneous requests to the API. This prevents rate limiting and helps avoid repeat queries, resulting in improved data synchronization.

[API Reference](/api-reference/users#object)


# 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/users#object)


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



Subscribe to payroll updates and get notified instantly.

## Overview

Webhooks provide real-time notifications to your system when events take place, or new data is added, updated, or deleted.

#### Example scenarios:

* A new payroll connection is attempted.
* Data retrieval from a recently connected account has completed.
* New data is available for a connected account.

<Note>
  **Webhooks are not specific to individual users or accounts.**

  <Note>
    For example, if you are subscribed to the `identities.added` webhook, new identity information added to *any account* of *any user* will cause the webhook to be delivered.
  </Note>

  #### Additional resources:
</Note>

[Webhooks Reference](/api-reference/users-webhooks/fully-synced) — Complete list of available webhooks and their descriptions.

[Console Webhooks](/console/management/webhooks) — Learn more about subscribing to and managing webhooks via Console.

<Note>
  Webhooks 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 [Console's Dashboard](https://console.argyle.com/dashboard) or contact your customer success manager.
</Note>

## Subscribing to webhooks

Send a **POST** request to the `/v2/webhooks` API endpoint. In the request body, include a JSON object in the format:

```json theme={}
{
    "events": ["webhook.1", "webhook.2", "..."],
    "name": "name-for-the-webhook-subscription",
    "url": "https://your-webhook-backend.com",
    "secret": "optional-secret",            // Optional.
    "config": { "include_resource": true }  // Optional. Can only be applied to certain webhooks.
}
```

* `events` — List all webhooks to include in the subscription.

  <Note>
    To subscribe to all webhooks at once, use `"*"`.

    * This method will not subscribe you to any [Items webhooks](/api-reference/items-webhooks/updated).
    * This method does not allow you to specify the number of days synced for the [`paystubs.partially_synced`](/api-reference/paystubs-webhooks/partially-synced) and [`gigs.partially_synced`](/api-reference/gigs-webhooks/partially-synced) webhooks.
    * For webhooks that have an optional `config` parameter (used to return an account object in the webhook's payload), you must subscribe to these webhooks individually to receive this optional account object.
  </Note>
* `name` — Your name for the set of webhooks in the subscription.
* `url` — Where you want to receive webhook delivery. This can be either a backend URL that you manage, or a URL provided by a webhook management service.

  <Warning>
    Argyle handles URL encoding for webhook URLs. Send the URL in its normal, unencoded form.
  </Warning>

  Argyle delivers webhooks from four static IP addresses:

  <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 you receive. See below for more information on verifying webhooks.
* `config` — (Optional) Some webhooks will return a payload when `include_resource` is set to `true`.

## Verifying webhooks

When you receive webhooks that were subscribed to using an optional `secret`, an Argyle signature will be included in the header. The `secret` can be any string of characters.

### Steps

To verify the authenticity of a webhook:

1. Use `HMAC-SHA512` to directly encode the received payload body **without any added adjustments**. Use the webhook's `secret` as the secret key for encoding.
2. The webhook is genuine if the encoded payload matches the Argyle signature in the header.

### Example signature

If your `secret` was `my little secret`

...the following webhook body:

```json theme={}
{
    "event": "accounts.added",
    "name": "name-for-the-webhook-subscription",
    "data": {
        "account": "0187c66e-e7e5-811c-b006-2232f00f426a",
        "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69"
    }
}
```

...would have the following signature:

```json theme={}
"X-Argyle-Signature": "1b158d292b0514f437481f0f1fbb4193ced2ab45b47a6c1255c66e1b8e614d482fd437f23590e8b1d0dd363228ba1ea3261ee0727db132dc0e8d9873fb09c880"
```

### Example validation

#### using Node:

```js theme={}
const http = require('http');
const crypto = require('crypto');
const serverPort = 80
const requestListener = function (req, res) {
    const client_secret = 'my little secret';
    var requestBody = '';
    req.on('readable', () => {
        var read = req.read()
        if(read != null) {
        requestBody += read;
        }
    });
    req.on('end', () => {
        // Make sure to use the raw requestBody when validating the signature.
        signature = crypto.createHmac('sha512',client_secret).update(requestBody).digest('hex');
        console.log('Signature:' + signature);
        res.writeHead(200);
        res.end(signature);
    })
}
const server = http.createServer(requestListener);
server.listen(serverPort);
```

## Webhook management

<div />

### List all webhooks

Send a GET request to the `/v2/webhooks` API endpoint.

<Accordion title="Optional query parameters:">
  * `from_created_at` — Filter for webhooks created on or after this timestamp [(ISO 8601)](https://en.wikipedia.org/wiki/ISO_8601).
  * `to_created_at` — Filter for webhooks created on or before this timestamp [(ISO 8601)](https://en.wikipedia.org/wiki/ISO_8601).
  * `ordering` — Use `id` to order the list results by webhook ID. Use `created_at` to order the list results by when the webhooks were created.
  * `limit` — Limit the number of results returned [per page](/api-guide/overview#pagination). Default: 10. Maximum: 200.
</Accordion>

<Note>
  When you list all webhooks, the last time a particular webhook was sent by Argyle is returned in a `last_sent_at` field. This field can be used for troubleshooting purposes to determine if a webhook was either not sent by Argyle, or sent by Argyle but not received by your webhook system.
</Note>

```json theme={}
{
    "next": null,
    "previous": null,
    "results": [
        {
            "id": "205c027e-8a4d-4248-b395-d4f345dfd49f",
            "name": "name-for-the-webhook-subscription",
            "events": [
                "accounts.added"
            ],
            "config": {
                "include_resource": true
            },
            "secret": "optional-secret",
            "url": "https://your-webhook-backend.com",
            "created_at": "2024-08-30T13:58:53.683338Z",
            "updated_at": "2024-10-07T15:20:49.926525Z",
            "last_sent_at": "2024-10-07T15:19:49.412642Z"
        }
    ]
}
```

### Retrieve a webhook

Send a GET request to the `/v2/webhooks/{id}` API endpoint, and replace the `{id}` with the webhook's ID.

### Delete a webhook

Send a DELETE request to the `/v2/webhooks/{id}` API endpoint, and replace the `{id}` with the webhook's ID.

<Note>
  Webhook ID's are returned in the API response when subscribing to webhooks, or can be found by listing webhooks.
</Note>

## Webhook retry policy

Webhooks have a 10 second timeout. If successful receipt of a webhook (200 response code) does not occur within the timeout window, webhooks will be resent once after 30 seconds for the following response codes: 429, 500, 502, 503, 504. Argyle does not log the body of sent webhooks.

[API Reference](/api-reference/users#object)


# 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 account unexpectedly cannot be accessed by Argyle. We have automatically been notified and will investigate.
  </Tab>

  <Tab title="User message">
    Your employment account could not be connected. Please make sure your account is active, you've accepted \[Company name]'s' terms of service, and your onboarding is complete.
  </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">
    No action needed while we investigate. Reach out to our customer support team for more information.
  </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 employment account is not active yet. Please log in to \[Company name] and finish the onboarding process in order to access your account.
  </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">
    Your user ID and password are managed by your organization. Please contact your administrator for help.
  </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">
    Your connection was unsuccessful due to invalid credentials or due to failed or misconfigured multi-factor authentication (MFA).
  </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 if the user was presented with or had trouble completing an MFA process. If not, confirm that the user entered the correct login credentials by asking them or having them attempt to directly log in to the payroll system.
  </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 the request. See if the issue persists when the user directly logs in 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">
    Unavailable because of too many failed login attempts. Please try again in a few hours.
  </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">
    Unavailable because of too many unsuccessful multi-factor authentication attempts. Please log in to \[Company name] and reset your multi-factor authentication method.
  </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">
    Unavailable because of too many failed multi-factor authentication attempts. \[Company name] requires you to log in again.
  </Tab>

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

  <Tab title="Troubleshooting">
    Typically the user needs to go back and re-enter their login credentials to enable additional attempts. Then advise the user to re-attempt account 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">
    Please log in to \[Company name] and configure multi-factor authentication to continue sharing your data with \[Your company name].
  </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 configure an MFA method on their payroll system and then re-attempt account 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">
    Confirm the user received the MFA request. Have the user check if their MFA device information is correct, and if their device is set up to receive the selected MFA message from the payroll platform (e.g. SMS). Lastly, check if the user can directly log in within the 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">
    We were not able to connect your employment account. Please log in to \[Company name] to update your multi-factor authentication method and try again.
  </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 the number of active connections to your account. To continue, please sign out of the \[Company name] app.
  </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">
    Please log in to \[Company name] and make sure you've accepted the latest terms and conditions to continue sharing your data with \[Your company name]. Click try again to reactivate your connection.
  </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">
    We were not able to connect your employment account. Please log in to \[Company name] to update your multi-factor authentication method and try again.
  </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 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 (`accounts.connected` is sent) or unsuccessful (`accounts.failed` 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:

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 all resources associated with the account, such as paystubs or uploaded documents, are deleted and this webhook is sent.

It is not recommend to use .removed webhooks for particular data sets to monitor for account deletions or revoked access, as they are not sent when an account is removed.
</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 there is any change to a property value of the [account object](/api-reference/accounts/overview).

<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.

<br/>

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

Bank connection errors occur when a user is actively attempting to connect a financial institution for a banking verification.

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>

### `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>

### `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 Argyle's new 3-in-1 verification experience for payroll, banking, and document verifications. See our [Verifications Implementation Guide](/api-reference/verifications-guide) 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/v1749582466/docs-2025/VOI_Banking_Report.pdf">Verification of Income (VOI)</a>
* <a href="https://res.cloudinary.com/argyle-media/image/upload/v1749584607/docs-2025/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 the following **required** [user fields](/api-reference/users#object) (*only required for banking reports*):

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

  If all fields cannot be populated, speak to your Argyle representative.

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

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

  <Accordion title="Required 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/v1783525407/docs-2026/VOI_Banking_Report.pdf)

  Report PDF

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

  ```json theme={}
  {
      "id": "cbtdzjvzbw5k-voi",
      "type": "voi",
      "constraints": {
          "accounts": null,
          "from_date": "2024-07-08T15:42:12.000Z",
          "report_custom_fields": [
              {
                  "label": "loanID",
                  "value": "12345",
                  "shown": true
              }
          ],
          "show_nsf": null,
          "income_stream_confidence_minimum": 50
      },
      "status": "success",
      "portfolio": "ktx7q9nt93zv-1-port",
      "consumer": "e5775e555ae3f1835c499e6e9959ec6c",
      "consumer_ssn": "0000",
      "created_date": "2026-07-08T15:42:12.000Z",
      "user": "019f4263-9119-79e6-7e08-dbe34613d444",
      "customer_type": "testing",
      "days": 730,
      "dispute_statement": null,
      "end_date": "2026-07-08T15:42:12.000Z",
      "end_user": null,
      "request_id": "b4wcz33cv2",
      "requester_name": "Argyle Systems",
      "seasoned": true,
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                                  {
                                      "id": 15418403250,
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                                      "description": "REMOTE ONLINE DEPOSIT #",
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                                  {
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                                      "description": "REMOTE ONLINE DEPOSIT #",
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                                  {
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                                      "description": "REMOTE ONLINE DEPOSIT #",
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                              ]
                          },
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                                  },
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                              ],
                              "projected_gross_annual": 0.0,
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                                  },
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                                  },
                                  {
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                          },
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                      ],
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                              "description": "Credit Return: Online Payment 44",
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                      ],
                      "name": "Checking",
                      "number": "1111",
                      "owner_address": "7195 BELMONT ST. PARLIN, NJ 08859",
                      "owner_name": "PATRICK & LORRAINE PURCHASER",
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                  }
              ],
              "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/v1783524820/docs-2026/VOAI_Banking_Report.pdf)

  Report PDF

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

  ```json theme={}
  {
      "id": "f6p9p6umcs9r",
      "type": "voaHistory",
      "constraints": {
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          "from_date": "2024-07-08T15:30:43.000Z",
          "report_custom_fields": [
              {
                  "label": "loanID",
                  "value": "12345",
                  "shown": true
              }
          ],
          "show_nsf": null,
          "income_stream_confidence_minimum": 50,
          "income_from_date": "1970-01-01T00:00:00.000Z"
      },
      "status": "success",
      "portfolio": "9e3jzy2xwecn-1-port",
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      "consolidated_available_balance": 7234.19,
      "consumer": "ad13dd196b9aea138dabf91bae4257e6",
      "consumer_ssn": "0000",
      "created_date": "2026-07-08T15:30:43.000Z",
      "user": "019f4258-a2e2-4f4a-5b98-a389022feff0",
      "customer_type": "testing",
      "days": 730,
      "dispute_statement": null,
      "end_date": "2026-07-08T15:30:43.000Z",
      "end_user": null,
      "institutions": [
          {
              "accounts": [
                  {
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                      },
                      "average_monthly_balance": -93977.25,
                      "balance": 9357.24,
                      "balance_date": "2026-07-08T15:30:42.000Z",
                      "currency": "USD",
                      "details": {
                          "interest_margin_balance": null,
                          "available_cash_balance": null,
                          "vested_balance": null,
                          "current_loan_balance": null,
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                          "margin_balance": null,
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                      },
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                              "id": "f6p9p6umcs9r1",
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                                  "stop_date": null,
                                  "days": 15
                              },
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                                  {
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                                  },
                                  {
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                                  },
                                  {
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                                  },
                                  {
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                                  },
                                  {
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                                      "net": 4053.53
                                  },
                                  {
                                      "month": "2025-01-01T07:00:00.000Z",
                                      "net": 3499.43
                                  },
                                  {
                                      "month": "2025-02-01T07:00:00.000Z",
                                      "net": 3514.43
                                  },
                                  {
                                      "month": "2025-03-01T07:00:00.000Z",
                                      "net": 3449.44
                                  },
                                  {
                                      "month": "2025-04-01T06:00:00.000Z",
                                      "net": 3499.43
                                  },
                                  {
                                      "month": "2025-05-01T06:00:00.000Z",
                                      "net": 3544.43
                                  },
                                  {
                                      "month": "2025-06-01T06:00:00.000Z",
                                      "net": 4053.53
                                  },
                                  {
                                      "month": "2025-07-01T06:00:00.000Z",
                                      "net": 3499.36
                                  },
                                  {
                                      "month": "2025-08-01T06:00:00.000Z",
                                      "net": 3344.44
                                  },
                                  {
                                      "month": "2025-09-01T06:00:00.000Z",
                                      "net": 8894.28
                                  },
                                  {
                                      "month": "2025-10-01T06:00:00.000Z",
                                      "net": 4012.37
                                  },
                                  {
                                      "month": "2025-11-01T06:00:00.000Z",
                                      "net": 4057.36
                                  },
                                  {
                                      "month": "2025-12-01T07:00:00.000Z",
                                      "net": 4012.37
                                  },
                                  {
                                      "month": "2026-01-01T07:00:00.000Z",
                                      "net": 4012.36
                                  },
                                  {
                                      "month": "2026-02-01T07:00:00.000Z",
                                      "net": 4032.44
                                  },
                                  {
                                      "month": "2026-03-01T07:00:00.000Z",
                                      "net": 3992.37
                                  },
                                  {
                                      "month": "2026-04-01T06:00:00.000Z",
                                      "net": 3558.45
                                  },
                                  {
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                                      "net": 3603.47
                                  },
                                  {
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                                  },
                                  {
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                                      "net": 1786.74
                                  }
                              ],
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                                  },
                                  {
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                                  },
                                  {
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                                      "description": "ROCKET SURGERY PAYROLL",
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                                      "category": "Paycheck"
                                  },
                                  {
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                                      "description": "ROCKET SURGERY PAYROLL",
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                                      "category": "Paycheck"
                                  },
                                  {
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                                      "description": "ROCKET SURGERY PAYROLL",
                                      "normalized_payee": "Rocket Surgery",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck"
                                  },
                                  {
                                      "id": 15418006876,
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                                      "posted_date": "2026-04-15T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "normalized_payee": "Rocket Surgery",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck"
                                  },
                                  {
                                      "id": 15418006813,
                                      "amount": 1786.73,
                                      "posted_date": "2026-04-01T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "normalized_payee": "Rocket Surgery",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck"
                                  },
                                  {
                                      "id": 15418006990,
                                      "amount": 1998.68,
                                      "posted_date": "2026-03-15T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "normalized_payee": "Rocket Surgery",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck"
                                  },
                                  {
                                      "id": 15418006922,
                                      "amount": 1993.69,
                                      "posted_date": "2026-03-01T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "normalized_payee": "Rocket Surgery",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck"
                                  },
                                  {
                                      "id": 15418006948,
                                      "amount": 2018.76,
                                      "posted_date": "2026-02-15T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "normalized_payee": "Rocket Surgery",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck"
                                  },
                                  {
                                      "id": 15418006891,
                                      "amount": 2013.68,
                                      "posted_date": "2026-02-01T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "normalized_payee": "Rocket Surgery",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck"
                                  },
                                  {
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                              "posted_date": "2024-10-08T12:00:00.000Z",
                              "description": "Transfer to SAVINGS",
                              "memo": null,
                              "investment_transaction_type": null,
                              "normalized_payee": "No Entity Found",
                              "institution_transaction": "0000000000",
                              "category": "Transfer"
                          },
                          {
                              "id": 15418006797,
                              "amount": 43.7,
                              "posted_date": "2024-10-07T12:00:00.000Z",
                              "description": "HEALTH CARE ABC CLAIM",
                              "memo": "PPD ID: 1234567891",
                              "investment_transaction_type": null,
                              "normalized_payee": "Health Care Abc",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 15418006957,
                              "amount": 3000.0,
                              "posted_date": "2024-10-03T12:00:00.000Z",
                              "description": "DEPOSIT ID NUMBER 123457",
                              "memo": null,
                              "investment_transaction_type": null,
                              "normalized_payee": "No Entity Found",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 15418006870,
                              "amount": 1307.21,
                              "posted_date": "2024-10-03T12:00:00.000Z",
                              "description": "SECRET AGENT STAFFING DIRECT DEP",
                              "memo": "PPD ID: 1234567895",
                              "investment_transaction_type": null,
                              "normalized_payee": "Secret Agent Staffing",
                              "institution_transaction": "0000000000",
                              "category": "Paycheck"
                          },
                          {
                              "id": 15418006904,
                              "amount": 1742.21,
                              "posted_date": "2024-10-01T12:00:00.000Z",
                              "description": "ROCKET SURGERY PAYROLL",
                              "memo": "PPD ID: 1234567892",
                              "investment_transaction_type": null,
                              "normalized_payee": "Rocket Surgery",
                              "institution_transaction": "0000000000",
                              "category": "Paycheck"
                          },
                          {
                              "id": 15418006954,
                              "amount": 1376.72,
                              "posted_date": "2024-09-19T12:00:00.000Z",
                              "description": "SECRET AGENT STAFFING DIRECT DEP",
                              "memo": "PPD ID: 1234567895",
                              "investment_transaction_type": null,
                              "normalized_payee": "Secret Agent Staffing",
                              "institution_transaction": "0000000000",
                              "category": "Paycheck"
                          },
                          {
                              "id": 15418006967,
                              "amount": 0.07,
                              "posted_date": "2024-09-18T12:00:00.000Z",
                              "description": "INTEREST PAYMENT",
                              "memo": null,
                              "investment_transaction_type": null,
                              "normalized_payee": "No Entity Found",
                              "institution_transaction": "0000000000",
                              "category": "Interest Income"
                          },
                          {
                              "id": 15418006899,
                              "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": "No Entity Found",
                              "institution_transaction": "0000000000",
                              "category": "Cash & ATM"
                          },
                          {
                              "id": 15418006789,
                              "amount": 1757.22,
                              "posted_date": "2024-09-15T12:00:00.000Z",
                              "description": "ROCKET SURGERY PAYROLL",
                              "memo": "PPD ID: 1234567892",
                              "investment_transaction_type": null,
                              "normalized_payee": "Rocket Surgery",
                              "institution_transaction": "0000000000",
                              "category": "Paycheck"
                          },
                          {
                              "id": 15418006909,
                              "amount": -250.0,
                              "posted_date": "2024-09-12T12:00:00.000Z",
                              "description": "Transfer to INVESTMENT",
                              "memo": null,
                              "investment_transaction_type": null,
                              "normalized_payee": "Investment",
                              "institution_transaction": "0000000000",
                              "category": "Investments"
                          },
                          {
                              "id": 15418006972,
                              "amount": 295.83,
                              "posted_date": "2024-09-11T12:00:00.000Z",
                              "description": "VERIDIANDYNAMICS PAYROLL",
                              "memo": "PPD ID: 1234567898",
                              "investment_transaction_type": null,
                              "normalized_payee": "Veridiandynamics",
                              "institution_transaction": "0000000000",
                              "category": "Paycheck"
                          },
                          {
                              "id": 15418006926,
                              "amount": 163.59,
                              "posted_date": "2024-09-08T12:00:00.000Z",
                              "description": "HEALTH CARE ABC CLAIM",
                              "memo": "PPD ID: 1234567891",
                              "investment_transaction_type": null,
                              "normalized_payee": "Health Care Abc",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 15418006984,
                              "amount": 1252.06,
                              "posted_date": "2024-09-05T12:00:00.000Z",
                              "description": "SECRET AGENT STAFFING DIRECT DEP",
                              "memo": "PPD ID: 1234567895",
                              "investment_transaction_type": null,
                              "normalized_payee": "Secret Agent Staffing",
                              "institution_transaction": "0000000000",
                              "category": "Paycheck"
                          },
                          {
                              "id": 15418006956,
                              "amount": 46.8,
                              "posted_date": "2024-09-03T12:00:00.000Z",
                              "description": "HEALTH CARE ABC CLAIM",
                              "memo": "PPD ID: 1234567891",
                              "investment_transaction_type": null,
                              "normalized_payee": "Health Care Abc",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 15418006823,
                              "amount": 0.22,
                              "posted_date": "2024-09-03T12:00:00.000Z",
                              "description": "REMOTE ONLINE DEPOSIT #",
                              "memo": "1",
                              "investment_transaction_type": null,
                              "normalized_payee": "No Entity Found",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 15418006962,
                              "amount": 1757.21,
                              "posted_date": "2024-09-01T12:00:00.000Z",
                              "description": "ROCKET SURGERY PAYROLL",
                              "memo": "PPD ID: 1234567892",
                              "investment_transaction_type": null,
                              "normalized_payee": "Rocket Surgery",
                              "institution_transaction": "0000000000",
                              "category": "Paycheck"
                          },
                          {
                              "id": 15418006986,
                              "amount": 200.31,
                              "posted_date": "2024-08-29T12:00:00.000Z",
                              "description": "HEALTH CARE ABC CLAIM",
                              "memo": "PPD ID: 1234567891",
                              "investment_transaction_type": null,
                              "normalized_payee": "Health Care Abc",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 15418006895,
                              "amount": 1316.43,
                              "posted_date": "2024-08-22T12:00:00.000Z",
                              "description": "SECRET AGENT STAFFING DIRECT DEP",
                              "memo": "PPD ID: 1234567895",
                              "investment_transaction_type": null,
                              "normalized_payee": "Secret Agent Staffing",
                              "institution_transaction": "0000000000",
                              "category": "Paycheck"
                          },
                          {
                              "id": 15418006785,
                              "amount": 0.05,
                              "posted_date": "2024-08-19T12:00:00.000Z",
                              "description": "INTEREST PAYMENT",
                              "memo": null,
                              "investment_transaction_type": null,
                              "normalized_payee": "No Entity Found",
                              "institution_transaction": "0000000000",
                              "category": "Interest Income"
                          },
                          {
                              "id": 15418006978,
                              "amount": 444.6,
                              "posted_date": "2024-08-18T12:00:00.000Z",
                              "description": "REMOTE ONLINE DEPOSIT #",
                              "memo": "1",
                              "investment_transaction_type": null,
                              "normalized_payee": "No Entity Found",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 15418006825,
                              "amount": 388.5,
                              "posted_date": "2024-08-18T12:00:00.000Z",
                              "description": "EXSPENSOR EXPENSE",
                              "memo": "PPD ID: 1234567890",
                              "investment_transaction_type": null,
                              "normalized_payee": "Exspensor Expense",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 15418006892,
                              "amount": 1742.22,
                              "posted_date": "2024-08-15T12:00:00.000Z",
                              "description": "ROCKET SURGERY PAYROLL",
                              "memo": "PPD ID: 1234567892",
                              "investment_transaction_type": null,
                              "normalized_payee": "Rocket Surgery",
                              "institution_transaction": "0000000000",
                              "category": "Paycheck"
                          },
                          {
                              "id": 15418006780,
                              "amount": 95.77,
                              "posted_date": "2024-08-12T12:00:00.000Z",
                              "description": "HEALTH CARE ABC CLAIM",
                              "memo": "PPD ID: 1234567891",
                              "investment_transaction_type": null,
                              "normalized_payee": "Health Care Abc",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 15418006925,
                              "amount": 1210.42,
                              "posted_date": "2024-08-08T12:00:00.000Z",
                              "description": "SECRET AGENT STAFFING DIRECT DEP",
                              "memo": "PPD ID: 1234567895",
                              "investment_transaction_type": null,
                              "normalized_payee": "Secret Agent Staffing",
                              "institution_transaction": "0000000000",
                              "category": "Paycheck"
                          },
                          {
                              "id": 15418006920,
                              "amount": -400.0,
                              "posted_date": "2024-08-08T12:00:00.000Z",
                              "description": "Transfer to SAVINGS",
                              "memo": null,
                              "investment_transaction_type": null,
                              "normalized_payee": "No Entity Found",
                              "institution_transaction": "0000000000",
                              "category": "Transfer"
                          },
                          {
                              "id": 15418006767,
                              "amount": 84.6,
                              "posted_date": "2024-08-05T12:00:00.000Z",
                              "description": "REMOTE ONLINE DEPOSIT #",
                              "memo": "1",
                              "investment_transaction_type": null,
                              "normalized_payee": "No Entity Found",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 15418006835,
                              "amount": 1707.22,
                              "posted_date": "2024-08-01T12:00:00.000Z",
                              "description": "ROCKET SURGERY PAYROLL",
                              "memo": "PPD ID: 1234567892",
                              "investment_transaction_type": null,
                              "normalized_payee": "Rocket Surgery",
                              "institution_transaction": "0000000000",
                              "category": "Paycheck"
                          },
                          {
                              "id": 15418006863,
                              "amount": 1237.77,
                              "posted_date": "2024-07-25T12:00:00.000Z",
                              "description": "SECRET AGENT STAFFING DIRECT DEP",
                              "memo": "PPD ID: 1234567895",
                              "investment_transaction_type": null,
                              "normalized_payee": "Secret Agent Staffing",
                              "institution_transaction": "0000000000",
                              "category": "Paycheck"
                          },
                          {
                              "id": 15418006811,
                              "amount": 418.6,
                              "posted_date": "2024-07-25T12:00:00.000Z",
                              "description": "HEALTH CARE ABC CLAIM",
                              "memo": "PPD ID: 1234567891",
                              "investment_transaction_type": null,
                              "normalized_payee": "Health Care Abc",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 15418006840,
                              "amount": 64.2,
                              "posted_date": "2024-07-22T12:00:00.000Z",
                              "description": "HEALTH CARE ABC CLAIM",
                              "memo": "PPD ID: 1234567891",
                              "investment_transaction_type": null,
                              "normalized_payee": "Health Care Abc",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 15418006890,
                              "amount": 1045.09,
                              "posted_date": "2024-07-21T12:00:00.000Z",
                              "description": "REMOTE ONLINE DEPOSIT #",
                              "memo": "1",
                              "investment_transaction_type": null,
                              "normalized_payee": "No Entity Found",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 15418006869,
                              "amount": 25.0,
                              "posted_date": "2024-07-21T12:00:00.000Z",
                              "description": "HEALTH CARE ABC CLAIM",
                              "memo": "PPD ID: 1234567891",
                              "investment_transaction_type": null,
                              "normalized_payee": "Health Care Abc",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 15418006815,
                              "amount": 0.01,
                              "posted_date": "2024-07-18T12:00:00.000Z",
                              "description": "INTEREST PAYMENT",
                              "memo": null,
                              "investment_transaction_type": null,
                              "normalized_payee": "No Entity Found",
                              "institution_transaction": "0000000000",
                              "category": "Interest Income"
                          },
                          {
                              "id": 15418006941,
                              "amount": 304.87,
                              "posted_date": "2024-07-17T12:00:00.000Z",
                              "description": "VERIDIANDYNAMICS PAYROLL",
                              "memo": "PPD ID: 1234567898",
                              "investment_transaction_type": null,
                              "normalized_payee": "Veridiandynamics",
                              "institution_transaction": "0000000000",
                              "category": "Paycheck"
                          },
                          {
                              "id": 15418006854,
                              "amount": 1757.21,
                              "posted_date": "2024-07-15T12:00:00.000Z",
                              "description": "ROCKET SURGERY PAYROLL",
                              "memo": "PPD ID: 1234567892",
                              "investment_transaction_type": null,
                              "normalized_payee": "Rocket Surgery",
                              "institution_transaction": "0000000000",
                              "category": "Paycheck"
                          },
                          {
                              "id": 15418006852,
                              "amount": -250.0,
                              "posted_date": "2024-07-12T12:00:00.000Z",
                              "description": "Transfer to INVESTMENT",
                              "memo": null,
                              "investment_transaction_type": null,
                              "normalized_payee": "Investment",
                              "institution_transaction": "0000000000",
                              "category": "Investments"
                          },
                          {
                              "id": 15418006991,
                              "amount": 304.04,
                              "posted_date": "2024-07-11T12:00:00.000Z",
                              "description": "EXSPENSOR EXPENSE",
                              "memo": "PPD ID: 1234567890",
                              "investment_transaction_type": null,
                              "normalized_payee": "Exspensor Expense",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 15418006847,
                              "amount": 0.01,
                              "posted_date": "2024-07-08T12:00:00.000Z",
                              "description": "EXSPENSOR ACCT CONF",
                              "memo": "PPD ID: 1234567890",
                              "investment_transaction_type": null,
                              "normalized_payee": "Exspensor Acct",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          }
                      ],
                      "type": "checking"
                  }
              ],
              "id": 102168,
              "name": "FinBank Profiles - B",
              "url_home_app": "http://www.finicity.com"
          }
      ],
      "request_id": "3w6ecw0ive",
      "requester_name": "Argyle Systems",
      "seasoned": true,
      "start_date": "2024-07-08T15:30:43.000Z",
      "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 Argyle's new 3-in-1 verification experience for payroll, banking, and document verifications. See our [Verifications Implementation Guide](/api-reference/verifications-guide) 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 [Verifications Implementation Guide](/api-reference/verifications-guide). 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 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. By default, this period is set to 30 days.

<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.

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
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.




# 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.

## Example receipt

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


# Partners Verifications Guide
Source: https://docs.argyle.com/api-reference/partners-verifications-guide

Partners implementation guide for payroll, banking, document, and government verifications.

<Note>
  This guide is intended for POS and LOS third-party system integrations only.
</Note>

## Introduction

This guide covers the verifications workflow for partners:

1. Create a user.
2. Create a verification for your desired report type.
3. Create and launch a frontend session (payroll and banking only).
4. Listen for lifecycle updates via `verifications.updated`.
5. Retrieve the completed report PDF and JSON.

## Supported report types

* **Payroll:** Generate [`voie`](https://res.cloudinary.com/argyle-media/image/upload/v1749501632/docs-2025/voie_example_argyle.pdf) or [`voe`](https://res.cloudinary.com/argyle-media/image/upload/v1746481161/docs-2025/voe_example.pdf) reports.
* **Payroll (Government):** Generate [`voie-government`](#government-overview) reports for government workflows.
* **Banking:** Connect financial institutions to generate [`voa`](https://res.cloudinary.com/argyle-media/image/upload/v1749582203/docs-2025/VOA_Banking_Report.pdf), [`voai`](https://res.cloudinary.com/argyle-media/image/upload/v1749584607/docs-2025/VOAI_Banking_Report.pdf), [`voi`](https://res.cloudinary.com/argyle-media/image/upload/v1749582466/docs-2025/VOI_Banking_Report.pdf), or [`voe-transactions`](https://res.cloudinary.com/argyle-media/image/upload/v1778709376/docs-2026/VOE_Transactions_Banking_Report.pdf) reports.
* **Documents:** Upload mortgage income documents to generate a [`doc-voi-mortgage`](https://res.cloudinary.com/argyle-media/image/upload/v1764784423/docs-2025/doc_voi_example.pdf) report.

## 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",
            "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",
            "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",
            "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",
            "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",
            "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",
            "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",
            "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",
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              },
              {
                "id": 28483686111,
                "amount": 400,
                "posted_date": "2025-04-14T12:00:00.000Z",
                "description": "Transfer to SAVINGS",
                "memo": null,
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                "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/v1783524820/docs-2026/VOAI_Banking_Report.pdf)

  Report PDF

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

  ```json theme={}
  {
      "id": "f6p9p6umcs9r",
      "type": "voaHistory",
      "constraints": {
          "accounts": null,
          "from_date": "2024-07-08T15:30:43.000Z",
          "report_custom_fields": [
              {
                  "label": "loanID",
                  "value": "12345",
                  "shown": true
              }
          ],
          "show_nsf": null,
          "income_stream_confidence_minimum": 50,
          "income_from_date": "1970-01-01T00:00:00.000Z"
      },
      "status": "success",
      "portfolio": "9e3jzy2xwecn-1-port",
      "assets": {
          "current_balance": 9357.24,
          "two_month_average": 1174.72,
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      },
      "consolidated_available_balance": 7234.19,
      "consumer": "ad13dd196b9aea138dabf91bae4257e6",
      "consumer_ssn": "0000",
      "created_date": "2026-07-08T15:30:43.000Z",
      "user": "019f4258-a2e2-4f4a-5b98-a389022feff0",
      "customer_type": "testing",
      "days": 730,
      "dispute_statement": null,
      "end_date": "2026-07-08T15:30:43.000Z",
      "end_user": null,
      "institutions": [
          {
              "accounts": [
                  {
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                      "asset": {
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                          "two_month_average": 1174.72,
                          "six_month_average": -13618.13,
                          "beginning_balance": -186971.45
                      },
                      "average_monthly_balance": -93977.25,
                      "balance": 9357.24,
                      "balance_date": "2026-07-08T15:30:42.000Z",
                      "currency": "USD",
                      "details": {
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                          "available_cash_balance": null,
                          "vested_balance": null,
                          "current_loan_balance": null,
                          "available_balance_amount": 7234.19,
                          "margin_balance": null,
                          "current_balance": null
                      },
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                              "status": "ACTIVE",
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                              "cadence": {
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                                  "stop_date": null,
                                  "days": 15
                              },
                              "net_monthly": [
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                                  },
                                  {
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                                  },
                                  {
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                                  },
                                  {
                                      "month": "2024-10-01T06:00:00.000Z",
                                      "net": 3544.43
                                  },
                                  {
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                                      "net": 3499.43
                                  },
                                  {
                                      "month": "2024-12-01T07:00:00.000Z",
                                      "net": 4053.53
                                  },
                                  {
                                      "month": "2025-01-01T07:00:00.000Z",
                                      "net": 3499.43
                                  },
                                  {
                                      "month": "2025-02-01T07:00:00.000Z",
                                      "net": 3514.43
                                  },
                                  {
                                      "month": "2025-03-01T07:00:00.000Z",
                                      "net": 3449.44
                                  },
                                  {
                                      "month": "2025-04-01T06:00:00.000Z",
                                      "net": 3499.43
                                  },
                                  {
                                      "month": "2025-05-01T06:00:00.000Z",
                                      "net": 3544.43
                                  },
                                  {
                                      "month": "2025-06-01T06:00:00.000Z",
                                      "net": 4053.53
                                  },
                                  {
                                      "month": "2025-07-01T06:00:00.000Z",
                                      "net": 3499.36
                                  },
                                  {
                                      "month": "2025-08-01T06:00:00.000Z",
                                      "net": 3344.44
                                  },
                                  {
                                      "month": "2025-09-01T06:00:00.000Z",
                                      "net": 8894.28
                                  },
                                  {
                                      "month": "2025-10-01T06:00:00.000Z",
                                      "net": 4012.37
                                  },
                                  {
                                      "month": "2025-11-01T06:00:00.000Z",
                                      "net": 4057.36
                                  },
                                  {
                                      "month": "2025-12-01T07:00:00.000Z",
                                      "net": 4012.37
                                  },
                                  {
                                      "month": "2026-01-01T07:00:00.000Z",
                                      "net": 4012.36
                                  },
                                  {
                                      "month": "2026-02-01T07:00:00.000Z",
                                      "net": 4032.44
                                  },
                                  {
                                      "month": "2026-03-01T07:00:00.000Z",
                                      "net": 3992.37
                                  },
                                  {
                                      "month": "2026-04-01T06:00:00.000Z",
                                      "net": 3558.45
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                                  {
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                                      "net": 3603.47
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                                  {
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                                      "net": 1786.74
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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": "Paycheck"
                                  },
                                  {
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                                      "description": "ROCKET SURGERY PAYROLL",
                                      "normalized_payee": "Rocket Surgery",
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                                      "category": "Paycheck"
                                  },
                                  {
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                                      "posted_date": "2025-01-01T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "normalized_payee": "Rocket Surgery",
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                                      "category": "Paycheck"
                                  },
                                  {
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                                      "description": "ROCKET SURGERY PAYROLL",
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                                      "category": "Paycheck"
                                  },
                                  {
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                                      "posted_date": "2024-12-01T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "normalized_payee": "Rocket Surgery",
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck"
                                  },
                                  {
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                                      "description": "ROCKET SURGERY PAYROLL",
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                                      "institution_transaction": "0000000000",
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                                  },
                                  {
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                                  },
                                  {
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                                  },
                                  {
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                                  },
                                  {
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                              "institution_transaction": "0000000000",
                              "category": "Paycheck"
                          },
                          {
                              "id": 15418006863,
                              "amount": 1237.77,
                              "posted_date": "2024-07-25T12:00:00.000Z",
                              "description": "SECRET AGENT STAFFING DIRECT DEP",
                              "memo": "PPD ID: 1234567895",
                              "investment_transaction_type": null,
                              "normalized_payee": "Secret Agent Staffing",
                              "institution_transaction": "0000000000",
                              "category": "Paycheck"
                          },
                          {
                              "id": 15418006811,
                              "amount": 418.6,
                              "posted_date": "2024-07-25T12:00:00.000Z",
                              "description": "HEALTH CARE ABC CLAIM",
                              "memo": "PPD ID: 1234567891",
                              "investment_transaction_type": null,
                              "normalized_payee": "Health Care Abc",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 15418006840,
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                              "posted_date": "2024-07-22T12:00:00.000Z",
                              "description": "HEALTH CARE ABC CLAIM",
                              "memo": "PPD ID: 1234567891",
                              "investment_transaction_type": null,
                              "normalized_payee": "Health Care Abc",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 15418006890,
                              "amount": 1045.09,
                              "posted_date": "2024-07-21T12:00:00.000Z",
                              "description": "REMOTE ONLINE DEPOSIT #",
                              "memo": "1",
                              "investment_transaction_type": null,
                              "normalized_payee": "No Entity Found",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 15418006869,
                              "amount": 25.0,
                              "posted_date": "2024-07-21T12:00:00.000Z",
                              "description": "HEALTH CARE ABC CLAIM",
                              "memo": "PPD ID: 1234567891",
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                              "normalized_payee": "Health Care Abc",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 15418006815,
                              "amount": 0.01,
                              "posted_date": "2024-07-18T12:00:00.000Z",
                              "description": "INTEREST PAYMENT",
                              "memo": null,
                              "investment_transaction_type": null,
                              "normalized_payee": "No Entity Found",
                              "institution_transaction": "0000000000",
                              "category": "Interest Income"
                          },
                          {
                              "id": 15418006941,
                              "amount": 304.87,
                              "posted_date": "2024-07-17T12:00:00.000Z",
                              "description": "VERIDIANDYNAMICS PAYROLL",
                              "memo": "PPD ID: 1234567898",
                              "investment_transaction_type": null,
                              "normalized_payee": "Veridiandynamics",
                              "institution_transaction": "0000000000",
                              "category": "Paycheck"
                          },
                          {
                              "id": 15418006854,
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                              "posted_date": "2024-07-15T12:00:00.000Z",
                              "description": "ROCKET SURGERY PAYROLL",
                              "memo": "PPD ID: 1234567892",
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                              "normalized_payee": "Rocket Surgery",
                              "institution_transaction": "0000000000",
                              "category": "Paycheck"
                          },
                          {
                              "id": 15418006852,
                              "amount": -250.0,
                              "posted_date": "2024-07-12T12:00:00.000Z",
                              "description": "Transfer to INVESTMENT",
                              "memo": null,
                              "investment_transaction_type": null,
                              "normalized_payee": "Investment",
                              "institution_transaction": "0000000000",
                              "category": "Investments"
                          },
                          {
                              "id": 15418006991,
                              "amount": 304.04,
                              "posted_date": "2024-07-11T12:00:00.000Z",
                              "description": "EXSPENSOR EXPENSE",
                              "memo": "PPD ID: 1234567890",
                              "investment_transaction_type": null,
                              "normalized_payee": "Exspensor Expense",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          },
                          {
                              "id": 15418006847,
                              "amount": 0.01,
                              "posted_date": "2024-07-08T12:00:00.000Z",
                              "description": "EXSPENSOR ACCT CONF",
                              "memo": "PPD ID: 1234567890",
                              "investment_transaction_type": null,
                              "normalized_payee": "Exspensor Acct",
                              "institution_transaction": "0000000000",
                              "category": "Deposit"
                          }
                      ],
                      "type": "checking"
                  }
              ],
              "id": 102168,
              "name": "FinBank Profiles - B",
              "url_home_app": "http://www.finicity.com"
          }
      ],
      "request_id": "3w6ecw0ive",
      "requester_name": "Argyle Systems",
      "seasoned": true,
      "start_date": "2024-07-08T15:30:43.000Z",
      "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/v1783525407/docs-2026/VOI_Banking_Report.pdf)

  Report PDF

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

  ```json theme={}
  {
      "id": "cbtdzjvzbw5k-voi",
      "type": "voi",
      "constraints": {
          "accounts": null,
          "from_date": "2024-07-08T15:42:12.000Z",
          "report_custom_fields": [
              {
                  "label": "loanID",
                  "value": "12345",
                  "shown": true
              }
          ],
          "show_nsf": null,
          "income_stream_confidence_minimum": 50
      },
      "status": "success",
      "portfolio": "ktx7q9nt93zv-1-port",
      "consumer": "e5775e555ae3f1835c499e6e9959ec6c",
      "consumer_ssn": "0000",
      "created_date": "2026-07-08T15:42:12.000Z",
      "user": "019f4263-9119-79e6-7e08-dbe34613d444",
      "customer_type": "testing",
      "days": 730,
      "dispute_statement": null,
      "end_date": "2026-07-08T15:42:12.000Z",
      "end_user": null,
      "request_id": "b4wcz33cv2",
      "requester_name": "Argyle Systems",
      "seasoned": true,
      "start_date": "2024-07-08T15:42:12.000Z",
      "title": "Mastercard Open Banking Verification of Income",
      "income": [
          {
              "confidence_type": "HIGH",
              "income_estimate": {
                  "estimated_gross_annual": 117104.0,
                  "net_annual": 82408.47,
                  "projected_gross_annual": 105839.0,
                  "projected_net_annual": 73284.17
              },
              "net_monthly": [
                  {
                      "month": "2024-07-01T06:00:00.000Z",
                      "net": 2802.3
                  },
                  {
                      "month": "2024-08-01T06:00:00.000Z",
                      "net": 3978.64
                  },
                  {
                      "month": "2024-09-01T06:00:00.000Z",
                      "net": 3514.65
                  },
                  {
                      "month": "2024-10-01T06:00:00.000Z",
                      "net": 6544.43
                  },
                  {
                      "month": "2024-11-01T06:00:00.000Z",
                      "net": 3620.25
                  },
                  {
                      "month": "2024-12-01T07:00:00.000Z",
                      "net": 5825.7
                  },
                  {
                      "month": "2025-01-01T07:00:00.000Z",
                      "net": 4737.91
                  },
                  {
                      "month": "2025-02-01T07:00:00.000Z",
                      "net": 5650.03
                  },
                  {
                      "month": "2025-03-01T07:00:00.000Z",
                      "net": 3978.64
                  },
                  {
                      "month": "2025-04-01T06:00:00.000Z",
                      "net": 3499.65
                  },
                  {
                      "month": "2025-05-01T06:00:00.000Z",
                      "net": 6544.43
                  },
                  {
                      "month": "2025-06-01T06:00:00.000Z",
                      "net": 4174.35
                  },
                  {
                      "month": "2025-07-01T06:00:00.000Z",
                      "net": 5271.53
                  },
                  {
                      "month": "2025-08-01T06:00:00.000Z",
                      "net": 5743.67
                  },
                  {
                      "month": "2025-09-01T06:00:00.000Z",
                      "net": 11304.74
                  },
                  {
                      "month": "2025-10-01T06:00:00.000Z",
                      "net": 11373.0
                  },
                  {
                      "month": "2025-11-01T06:00:00.000Z",
                      "net": 6339.68
                  },
                  {
                      "month": "2025-12-01T07:00:00.000Z",
                      "net": 8156.93
                  },
                  {
                      "month": "2026-01-01T07:00:00.000Z",
                      "net": 6472.38
                  },
                  {
                      "month": "2026-02-01T07:00:00.000Z",
                      "net": 5954.44
                  },
                  {
                      "month": "2026-03-01T07:00:00.000Z",
                      "net": 7413.01
                  },
                  {
                      "month": "2026-04-01T06:00:00.000Z",
                      "net": 5100.11
                  },
                  {
                      "month": "2026-05-01T06:00:00.000Z",
                      "net": 5944.8
                  },
                  {
                      "month": "2026-06-01T06:00:00.000Z",
                      "net": 6818.97
                  },
                  {
                      "month": "2026-07-01T06:00:00.000Z",
                      "net": 1786.74
                  }
              ]
          },
          {
              "confidence_type": "MODERATE",
              "income_estimate": {
                  "estimated_gross_annual": 119836.0,
                  "net_annual": 84632.14,
                  "projected_gross_annual": 105839.0,
                  "projected_net_annual": 73284.17
              },
              "net_monthly": [
                  {
                      "month": "2024-07-01T06:00:00.000Z",
                      "net": 2802.3
                  },
                  {
                      "month": "2024-08-01T06:00:00.000Z",
                      "net": 3978.64
                  },
                  {
                      "month": "2024-09-01T06:00:00.000Z",
                      "net": 5872.82
                  },
                  {
                      "month": "2024-10-01T06:00:00.000Z",
                      "net": 6544.43
                  },
                  {
                      "month": "2024-11-01T06:00:00.000Z",
                      "net": 3620.25
                  },
                  {
                      "month": "2024-12-01T07:00:00.000Z",
                      "net": 5825.7
                  },
                  {
                      "month": "2025-01-01T07:00:00.000Z",
                      "net": 4737.91
                  },
                  {
                      "month": "2025-02-01T07:00:00.000Z",
                      "net": 5650.03
                  },
                  {
                      "month": "2025-03-01T07:00:00.000Z",
                      "net": 3978.64
                  },
                  {
                      "month": "2025-04-01T06:00:00.000Z",
                      "net": 5857.82
                  },
                  {
                      "month": "2025-05-01T06:00:00.000Z",
                      "net": 6544.43
                  },
                  {
                      "month": "2025-06-01T06:00:00.000Z",
                      "net": 4174.35
                  },
                  {
                      "month": "2025-07-01T06:00:00.000Z",
                      "net": 5271.53
                  },
                  {
                      "month": "2025-08-01T06:00:00.000Z",
                      "net": 5743.67
                  },
                  {
                      "month": "2025-09-01T06:00:00.000Z",
                      "net": 11304.74
                  },
                  {
                      "month": "2025-10-01T06:00:00.000Z",
                      "net": 11373.0
                  },
                  {
                      "month": "2025-11-01T06:00:00.000Z",
                      "net": 6339.68
                  },
                  {
                      "month": "2025-12-01T07:00:00.000Z",
                      "net": 8156.93
                  },
                  {
                      "month": "2026-01-01T07:00:00.000Z",
                      "net": 6472.38
                  },
                  {
                      "month": "2026-02-01T07:00:00.000Z",
                      "net": 5954.44
                  },
                  {
                      "month": "2026-03-01T07:00:00.000Z",
                      "net": 9636.68
                  },
                  {
                      "month": "2026-04-01T06:00:00.000Z",
                      "net": 5100.11
                  },
                  {
                      "month": "2026-05-01T06:00:00.000Z",
                      "net": 5944.8
                  },
                  {
                      "month": "2026-06-01T06:00:00.000Z",
                      "net": 6818.97
                  },
                  {
                      "month": "2026-07-01T06:00:00.000Z",
                      "net": 1786.74
                  }
              ]
          },
          {
              "confidence_type": "LOW",
              "income_estimate": {
                  "estimated_gross_annual": 133141.0,
                  "net_annual": 95459.47,
                  "projected_gross_annual": 105839.0,
                  "projected_net_annual": 73284.17
              },
              "net_monthly": [
                  {
                      "month": "2024-07-01T06:00:00.000Z",
                      "net": 2802.3
                  },
                  {
                      "month": "2024-08-01T06:00:00.000Z",
                      "net": 3978.64
                  },
                  {
                      "month": "2024-09-01T06:00:00.000Z",
                      "net": 5872.82
                  },
                  {
                      "month": "2024-10-01T06:00:00.000Z",
                      "net": 6544.43
                  },
                  {
                      "month": "2024-11-01T06:00:00.000Z",
                      "net": 3620.25
                  },
                  {
                      "month": "2024-12-01T07:00:00.000Z",
                      "net": 5825.7
                  },
                  {
                      "month": "2025-01-01T07:00:00.000Z",
                      "net": 4737.91
                  },
                  {
                      "month": "2025-02-01T07:00:00.000Z",
                      "net": 5769.2
                  },
                  {
                      "month": "2025-03-01T07:00:00.000Z",
                      "net": 3978.64
                  },
                  {
                      "month": "2025-04-01T06:00:00.000Z",
                      "net": 5857.82
                  },
                  {
                      "month": "2025-05-01T06:00:00.000Z",
                      "net": 6544.43
                  },
                  {
                      "month": "2025-06-01T06:00:00.000Z",
                      "net": 4174.35
                  },
                  {
                      "month": "2025-07-01T06:00:00.000Z",
                      "net": 5271.53
                  },
                  {
                      "month": "2025-08-01T06:00:00.000Z",
                      "net": 5743.67
                  },
                  {
                      "month": "2025-09-01T06:00:00.000Z",
                      "net": 11304.74
                  },
                  {
                      "month": "2025-10-01T06:00:00.000Z",
                      "net": 11526.76
                  },
                  {
                      "month": "2025-11-01T06:00:00.000Z",
                      "net": 8339.68
                  },
                  {
                      "month": "2025-12-01T07:00:00.000Z",
                      "net": 8156.93
                  },
                  {
                      "month": "2026-01-01T07:00:00.000Z",
                      "net": 6472.38
                  },
                  {
                      "month": "2026-02-01T07:00:00.000Z",
                      "net": 6164.75
                  },
                  {
                      "month": "2026-03-01T07:00:00.000Z",
                      "net": 9636.68
                  },
                  {
                      "month": "2026-04-01T06:00:00.000Z",
                      "net": 5100.11
                  },
                  {
                      "month": "2026-05-01T06:00:00.000Z",
                      "net": 10260.8
                  },
                  {
                      "month": "2026-06-01T06:00:00.000Z",
                      "net": 10966.23
                  },
                  {
                      "month": "2026-07-01T06:00:00.000Z",
                      "net": 1786.74
                  }
              ]
          }
      ],
      "institutions": [
          {
              "accounts": [
                  {
                      "aggregation_status_code": 0,
                      "available_balance": 7234.19,
                      "average_monthly_balance": -93977.25,
                      "balance": 9357.24,
                      "currency": "USD",
                      "beginning_balance": -186971.45,
                      "current_balance": 9357.24,
                      "id": 9028265862,
                      "income_streams": [
                          {
                              "average_monthly_income_net": 4118.27,
                              "cadence": {
                                  "days": 15,
                                  "start_date": "2024-07-15T12:00:00.000Z",
                                  "stop_date": null
                              },
                              "confidence": 100,
                              "estimate_inclusion": "HIGH",
                              "estimated_gross_annual": 73071.0,
                              "id": "cbtdzjvzbw5k-voi1",
                              "income_stream_months": 25,
                              "name": "rocket surgery",
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                              "net_monthly": [
                                  {
                                      "month": "2024-07-01T06:00:00.000Z",
                                      "net": 1757.21
                                  },
                                  {
                                      "month": "2024-08-01T06:00:00.000Z",
                                      "net": 3449.44
                                  },
                                  {
                                      "month": "2024-09-01T06:00:00.000Z",
                                      "net": 3514.43
                                  },
                                  {
                                      "month": "2024-10-01T06:00:00.000Z",
                                      "net": 3544.43
                                  },
                                  {
                                      "month": "2024-11-01T06:00:00.000Z",
                                      "net": 3499.43
                                  },
                                  {
                                      "month": "2024-12-01T07:00:00.000Z",
                                      "net": 4053.53
                                  },
                                  {
                                      "month": "2025-01-01T07:00:00.000Z",
                                      "net": 3499.43
                                  },
                                  {
                                      "month": "2025-02-01T07:00:00.000Z",
                                      "net": 3514.43
                                  },
                                  {
                                      "month": "2025-03-01T07:00:00.000Z",
                                      "net": 3449.44
                                  },
                                  {
                                      "month": "2025-04-01T06:00:00.000Z",
                                      "net": 3499.43
                                  },
                                  {
                                      "month": "2025-05-01T06:00:00.000Z",
                                      "net": 3544.43
                                  },
                                  {
                                      "month": "2025-06-01T06:00:00.000Z",
                                      "net": 4053.53
                                  },
                                  {
                                      "month": "2025-07-01T06:00:00.000Z",
                                      "net": 3499.36
                                  },
                                  {
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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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                                  },
                                  {
                                      "month": "2026-01-01T07:00:00.000Z",
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                                  },
                                  {
                                      "month": "2026-02-01T07:00:00.000Z",
                                      "net": 4032.44
                                  },
                                  {
                                      "month": "2026-03-01T07:00:00.000Z",
                                      "net": 3992.37
                                  },
                                  {
                                      "month": "2026-04-01T06:00:00.000Z",
                                      "net": 3558.45
                                  },
                                  {
                                      "month": "2026-05-01T06:00:00.000Z",
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                                  },
                                  {
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                                  },
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                                      "net": 1786.74
                                  }
                              ],
                              "projected_gross_annual": 66349.0,
                              "projected_net_annual": 45030.81,
                              "status": "ACTIVE",
                              "transactions": [
                                  {
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                                      "amount": 1786.74,
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                                      "description": "ROCKET SURGERY PAYROLL",
                                      "memo": "PPD ID: 1234567892",
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                                      "normalized_payee": null,
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "best_representation": null
                                  },
                                  {
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                                      "description": "ROCKET SURGERY PAYROLL",
                                      "memo": "PPD ID: 1234567892",
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                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
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                                  },
                                  {
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                                      "memo": "PPD ID: 1234567892",
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                                      "normalized_payee": null,
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
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                                  },
                                  {
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                                      "posted_date": "2026-05-15T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "memo": "PPD ID: 1234567892",
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                                  },
                                  {
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                                      "amount": 1786.74,
                                      "posted_date": "2026-05-01T12:00:00.000Z",
                                      "description": "ROCKET SURGERY PAYROLL",
                                      "memo": "PPD ID: 1234567892",
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                                      "normalized_payee": null,
                                      "institution_transaction": "0000000000",
                                      "category": "Paycheck",
                                      "best_representation": null
                                  },
                                  {
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                                  {
                                      "id": 15418403199,
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                                  {
                                      "id": 15418403081,
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                                  {
                                      "id": 15418403200,
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                                      "description": "REMOTE ONLINE DEPOSIT #",
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                                      "id": 15418403053,
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                                  {
                                      "id": 15418403229,
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                                      "description": "DEPOSIT ID NUMBER 123457",
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                                      "description": "REMOTE ONLINE DEPOSIT #",
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                                  {
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                                      "description": "REMOTE ONLINE DEPOSIT #",
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                                  {
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                              ]
                          },
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                                  },
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                                      "net": 4000.0
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                              ],
                              "projected_gross_annual": 0.0,
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                                  },
                                  {
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                                  },
                                  {
                                      "id": 15418403158,
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                              ]
                          },
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                              "confidence": 0,
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                              ],
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                                  {
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                                      "description": "Cash Redemption",
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                                  },
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                                      "memo": "Some St Somewhere City State",
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                                  },
                                  {
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                                      "description": "ATM CHECK DEPOSIT mm/dd 333 S LS",
                                      "memo": "OADWAY AVE OKLAHOMA CITY OK",
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                                  },
                                  {
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                                      "description": "ATM CHECK DEPOSIT mm/dd 333 S LS",
                                      "memo": "OADWAY AVE OKLAHOMA CITY OK",
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                                  }
                              ]
                          },
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                              },
                              "confidence": 100,
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                              ],
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                                      "memo": "PPD ID: 1234567897",
                                      "investment_transaction_type": null,
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                                      "institution_transaction": "0000000000",
                                      "category": "Federal Tax",
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                                  }
                              ]
                          }
                      ],
                      "misc_deposits": [
                          {
                              "amount": 290.16,
                              "category": "Income",
                              "description": "Credit Return: Online Payment 44",
                              "id": 15418403237,
                              "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": 15418403168,
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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 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>

## Payroll Overview

Verify income and employment by allowing users to directly connect their employers and payroll providers.

<Frame>
  <img alt="Link is where payroll accounts are connected through Argyle." />
</Frame>

## Government Overview

Generate government payroll reports with `voie-government`. If self-certification is enabled, applicants review their income in Link before submitting.

<Frame>
  <img alt="Applicant self-certification flow for a government payroll report." />
</Frame>

## Banking Overview

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

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

## Documents Overview

<Note>
  Doc VOI reports are designed for mortgage workflows and typically require a recent paystub plus prior-year year-end income documents, such as W-2s or December paystubs. For non-mortgage document collection, OCR, and authenticity workflows, use [Document Processing](/workflows/document-processing).
</Note>

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>

## Workflow

<div />

### Create a user

Use [`POST /partners/v2/users`](/api-reference/partners-verifications/create-a-user) before ordering a verification.

<Note>
  Use the public [Create A User](/api-reference/users/create-a-user) endpoint as the baseline reference. The partner version is the same shape, but `POST /partners/v2/users` additionally requires `client` (provided to you by your Argyle Customer Success manager).
</Note>

Include the following PII information in your request:

| Field          | Payroll verifications | Banking verifications | Document verifications |
| -------------- | --------------------- | --------------------- | ---------------------- |
| `first_name`   | Required              | Required              | Required               |
| `last_name`    | Required              | Required              | Required               |
| `ssn`          | Not required          | Required              | Required               |
| `birth_date`   | Not required          | Required              | Not required           |
| `address`      | Not required          | Required              | Not required           |
| `phone_number` | Not required          | Required              | Not required           |

Set `external_metadata.suppress_verification` to `true` to prevent automatic payroll creation for certain automated implementations.

<Accordion title="Example request: POST /partners/v2/users">
  ```json theme={}
  {
    "client": "39096494-45c8-4fd8-9454-3d1cb2d62db7",
    "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": null
    },
    "birth_date": {
      "year": 1990,
      "month": 1,
      "day": 13
    },
    "external_id": null,
    "external_metadata": {
      "suppress_verification": true
    }
  }
  ```
</Accordion>

### Order a verification

Use [`POST /partners/v2/verifications`](/api-reference/partners-verifications/order-a-verification) for all verification types (payroll, banking, and documents).

The shared request model works as follows:

* `user` is required for all verification requests.
* `report.type` determines whether the verification is payroll-based, banking-based, or documents-based.
* `employments` is required for document verifications only.
* `report.configuration` is used for banking verifications only.
* `loan` and `billing` apply to regular payroll and mortgage verification workflows.

Payroll verifications use `report.type = voie | voe`

<Accordion title="Example payroll request: POST /partners/v2/verifications">
  ```json theme={}
  {
    "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
    "report": {
      "type": "voie"
    },
    "loan": {
      "number": "1234",
      "borrower_id": "ABC789",
      "application_id": "2121313",
      "officer_email": "john.doe@mortgage.com"
    },
    "billing": {
      "cost_center": "5"
    }
  }
  ```
</Accordion>

Government payroll verifications use `report.type = voie-government`.

* Set `report.self_certification = false` when applicant review and confirmation are not required.

<Accordion title="Example government request: POST /partners/v2/verifications">
  ```json theme={}
  {
    "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
    "report": {
      "type": "voie-government",
      "self_certification": true
    }
  }
  ```
</Accordion>

Banking verifications use `report.type = voa | voai | voi | voe-transactions`

<Accordion title="Example banking request: POST /partners/v2/verifications">
  ```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
          }
        ]
      }
    },
    "loan": {
      "number": "1234",
      "borrower_id": "ABC789",
      "application_id": "2121313",
      "officer_email": "john.doe@mortgage.com"
    },
    "billing": {
      "cost_center": "5"
    }
  }
  ```
</Accordion>

Mortgage document verifications use `report.type = doc-voi-mortgage`

<Accordion title="Example document request: POST /partners/v2/verifications">
  ```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"
    },
    "loan": {
      "number": "1234",
      "borrower_id": "ABC789",
      "application_id": "2121313",
      "officer_email": "john.doe@mortgage.com"
    },
    "billing": {
      "cost_center": "5"
    }
  }
  ```
</Accordion>

<a />

### Create a connection session

*Skip this step for document verifications.*

For payroll and banking verifications, create a session via [`POST /partners/v2/sessions`](/api-reference/partners-verifications/create-a-session). When the request succeeds, the response includes a `link` URL that launches the frontend session. Session links expire after one hour for security. A new session link can be created at any time by creating another session for the active verification.

<Note>
  The verification used to create the session must be in an active state. Active means the verification is not completed and not cancelled. If no active verification exists, create a new verification first.
</Note>

The request requires a `verification` ID and accepts an optional `configuration` object:

<div>
  <table>
    <thead>
      <tr>
        <th>Configuration property</th>
        <th>Applies to</th>
        <th>Description</th>
      </tr>
    </thead>

    <tbody>
      <tr>
        <td><code>configuration.experience</code></td>
        <td>Banking only</td>
        <td>Optional bank connection experience customization ID<br />(<em>provided by Argyle</em>)</td>
      </tr>

      <tr>
        <td><code>configuration.single\_use\_url</code></td>
        <td>Banking only</td>
        <td>Expires after one successful connection</td>
      </tr>

      <tr>
        <td><code>configuration.redirect\_url</code></td>
        <td>Payroll and banking</td>
        <td>Redirect URL after session completion.</td>
      </tr>

      <tr>
        <td><code>configuration.flow\_id</code></td>
        <td>Payroll only</td>
        <td>Optional payroll embedded connection experience customization ID</td>
      </tr>

      <tr>
        <td><code>configuration.items</code></td>
        <td>Payroll only</td>
        <td>Limits Link to the provided Items. One Item opens that Item directly; multiple Items show only those Items.</td>
      </tr>

      <tr>
        <td><code>configuration.language</code></td>
        <td>Payroll only</td>
        <td>Supported Link [display language](/link/initialization/overview#optional-initialization-parameters)</td>
      </tr>

      <tr>
        <td><code>configuration.mobile\_app</code></td>
        <td>Payroll only</td>
        <td>Set to `true` if embedding in a mobile application, otherwise `false`</td>
      </tr>
    </tbody>
  </table>
</div>

<Accordion title="Example 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="Example 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="Example banking request: POST /partners/v2/sessions">
  ```json theme={}
  {
    "verification": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
    "configuration": {
      "experience": "97f1eccb-241d-4052-8409-fab9e27a589b",
      "single_use_url": false,
      "redirect_url": "https://your-application.com/return"
    }
  }
  ```
</Accordion>

<Accordion title="Example banking response">
  ```json theme={}
  {
    "verification": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
    "configuration": {
      "experience": "97f1eccb-241d-4052-8409-fab9e27a589b",
      "single_use_url": false,
      "redirect_url": "https://your-application.com/return"
    },
    "link": "https://connect2.finicity.com?...",
    "data_source": "banking"
  }
  ```
</Accordion>

### Launch the frontend session

Use the returned `link` based on the verification type.

#### Payroll

* **Payroll SDKs (recommended)**
  * Pass `link` as the `connectUrl` parameter when [initializing the Web SDK](/link/initialization/web#initialize-with-connecturl) or [Mobile SDKs](/link/initialization/mobile-sdks).
  * This is the default recommendation, including when you want to initialize Link inside an iframe as [Link callbacks](/link/reference/callbacks) remain available.
* **Hosted Link**
  * On web, open the `link` URL in the same tab, a popup window, or a separate tab.
  * On mobile, open the `link` in a secure browser context such as `ASWebAuthenticationSession` on iOS or `Android Custom Tabs` on Android.
  * Hosted Link currently does not support callbacks.

#### Banking

* **Banking SDK (recommended)**
  * Pass `link` as the `connectURL` value when launching the banking SDK.
  * SDK callbacks support immediate frontend UX handling. For backend verification status, subscribe to the [`verifications.updated`](/api-reference/partners-webhooks/updated) webhook.
  * For SDK installation options and advanced configuration, refer to <a href="https://developer.mastercard.com/open-finance-us/documentation/connect/integrating/sdk/web-sdk/sdk/">SDK docs</a>.

<Accordion title="Banking SDK initialization example matching Payroll Link dimensions">
  ```html theme={}
  <!DOCTYPE html>
  <html lang="en">
    <head>
      <meta charset="UTF-8" />
      <title>Banking SDK Example</title>
      <style>
        body {
          margin: 0;
        }

        #connect-container {
          width: 390px;
          height: 720px;
          position: relative;
        }
      </style>
    </head>
    <body>
      <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'

        // Returned by your backend after it calls POST /partners/v2/sessions.
        // Do not call Argyle APIs directly from browser code with API keys.
        const session = { link: 'SESSION_LINK' }
        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),
          onRoute: event => console.log('Route changed', event),
          onUser: event => console.log('User action', event),
          onLoad: () => console.log('Banking SDK loaded')
        }

        function startConnect() {
          Connect.launch(connectURL, eventHandlers, {
            popup: false,
            selector: '#connect-container'
          })
        }

        startConnect()
        // Call Connect.destroy() when the banking UI is no longer needed.
      </script>
    </body>
  </html>
  ```
</Accordion>

* **Hosted banking session**
  * 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.
  * Set `configuration.redirect_url` so the user returns to your application.
  * On web, open the `link` URL in the same tab, a popup window, or a separate tab.
  * On mobile, open the `link` in a secure browser context such as `ASWebAuthenticationSession` on iOS or `Android Custom Tabs` on Android.
  * Do not default to opening the raw returned `link` directly in an iframe.

### Subscribe to webhooks

Use [`POST /partners/v2/webhooks`](/api-reference/partners-webhooks/updated) to subscribe to the `verifications.updated` webhook to track lifecycle events.

<Accordion title="Example webhook subscription">
  ```json theme={}
  {
      "events": ["verifications.updated"],
      "name": "name-for-the-webhook-subscription",
      "url": "https://your-webhook-backend.com",
      "secret": "optional-secret",            // Optional.
      "config": { "include_resource": true }  // Optional but recommended.
  }
  ```
</Accordion>

<Note>
  Set `include_resource = true` so the webhook payload contains the full verification object inside `data.resource`.
</Note>

The most important verification `status.code` updates are:

* `pending` — verification created
* `user_session_started` — user opened the payroll or banking experience
* `authenticated` — the user authenticated for payroll or banking and data aggregation is starting
* `awaiting_certification` — awaiting user certification for aggregated government data
* `documents_processing` — uploaded documents are currently processing
* `completed` — the report is ready for download
* `completed_with_errors` — the report is ready for download but has limitations

These are the primary lifecycle updates. Additional state transitions can occur depending on the verification flow.

### Download reports and JSON

When you receive a [`verifications.updated`](/api-reference/partners-webhooks/updated) webhook with `status.code = completed` or `completed_with_errors`, the `report` object in the webhook payload will contain the following download links:

* `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",
      "client": "39096494-45c8-4fd8-9454-3d1cb2d62db7",
      "resource": {
        "id": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
        "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
        "client": "39096494-45c8-4fd8-9454-3d1cb2d62db7",
        "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": "voie",
          "file_url": "www.argyle.com/storagename/pdf",
          "json_url": "www.argyle.com/storagename/json"
        },
        "employments": [
          {
            "employer": "Whole Goods",
            "status": "active",
            "hire_date": "2015-08-28",
            "termination_date": null
          }
        ],
        "data_source": "payroll"
      }
    }
  }
  ```
</Accordion>

GET requests to `file_url` and `json_url` require [Argyle authentication headers](/api-guide/overview#authentication).

## Re-Verifications

<div />

### Instant Refresh

<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.

In most cases, instant refresh verifications move quickly to either `completed` or `cancelled`.

### 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.

Argyle reuses the user's previously uploaded documents 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 options and error handling

<div />

### Connections not completed

If the user closes the payroll or banking experience before completion, or the session link expires, the verification usually remains in `pending` or `user_session_started`. In this case, create a new session URL for the existing active verification with [`POST /partners/v2/sessions`](/api-reference/partners-verifications-guide#create-a-connection-session).

### 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`.

## Testing

<div />

### Payroll test profiles

Use Argyle's [sample user credentials](/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>


# 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 and return a `link` URL that launches the frontend experience.

Session links expire after one hour. A new session link can be created at any time by creating another session for the active verification.

<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` for banking and document verification workflows.
</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](/api-reference/partners-verifications-guide#create-a-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.



# 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.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.




# 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 each time a verification's state transitions to `PROCESSING`, `PAUSED`, or `COMPLETED`.

Set `config.include_resource = true` to include the full verification object in `data.resource`.




# 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 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. By default, this period is set to 30 days.
<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.

## 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.

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 the [data availability](/api-guide/overview#data-availability) section of our API Guide 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](/api-reference/reports) can be generated once sufficient data has been retrieved from a connected payroll account.

The `reports.ready` webhook is also sent after an [account reconnection](/workflows/reconnecting-accounts) once all new data has been retrieved.

<Info>
This webhooks 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.

<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 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. By default, this period is set to 30 days.

<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](/api-reference/verifications-guide) 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 our [Verifications Guide](/api-reference/verifications-guide) 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

<a />

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 when [Ocrolus authenticity](/api-reference/user-uploads#object-metadata-ocr_authenticity) data is available for an uploaded document.




# 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 when [Ocrolus OCR](/api-reference/user-uploads#object-metadata-ocr_data) data is available for an uploaded document.
- This webhook is sent on a per document basis.
- 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 the `ocr_data` object of the [user uploads object](/api-reference/user-uploads/overview) in an `error` field.




# 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 when Ocrolus OCR processing could not be completed for an uploaded document.

[OCR errors](/integrations/ocr/ocrolus#ocr-errors) are returned in the `ocr_data` object of the [user uploads object](/api-reference/user-uploads/overview) in an `error` field.




# 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 when all data has been fully retrieved from *all payroll accounts* a user connected through Link.

**Warning:**
When multiple accounts are connected:
- The webhook will only be sent if at least one account connection is successful.
- If a new account is connected (and its data fully retrieved) after the user's previously connected accounts were fully synced and the `users.fully_synced` webhook was sent, this webhook will be sent again.


Sent when data retrieval has completed for a user.


# 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.



# 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 Guide
Source: https://docs.argyle.com/api-reference/verifications-guide

Implementation guide for payroll, banking, document, and government verifications.

## Introduction

This guide covers the verifications workflow:

1. Create a user.
2. Create a verification for your desired report type.
3. Create and launch a frontend session (payroll and banking only).
4. Listen for lifecycle updates via `verifications.updated`.
5. Retrieve the completed report PDF and JSON.

## Supported report types

* **Payroll:** Generate [`voie`](https://res.cloudinary.com/argyle-media/image/upload/v1749501632/docs-2025/voie_example_argyle.pdf) or [`voe`](https://res.cloudinary.com/argyle-media/image/upload/v1746481161/docs-2025/voe_example.pdf) reports.
* **Payroll (Government):** Generate [`voie-government`](#government-overview) reports for government workflows.
* **Banking:** Connect financial institutions to generate [`voa`](https://res.cloudinary.com/argyle-media/image/upload/v1749582203/docs-2025/VOA_Banking_Report.pdf), [`voai`](https://res.cloudinary.com/argyle-media/image/upload/v1749584607/docs-2025/VOAI_Banking_Report.pdf), [`voi`](https://res.cloudinary.com/argyle-media/image/upload/v1749582466/docs-2025/VOI_Banking_Report.pdf), or [`voe-transactions`](https://res.cloudinary.com/argyle-media/image/upload/v1778709376/docs-2026/VOE_Transactions_Banking_Report.pdf) reports.
* **Documents:** Upload mortgage income documents to generate a [`doc-voi-mortgage`](https://res.cloudinary.com/argyle-media/image/upload/v1764784423/docs-2025/doc_voi_example.pdf) report.

## 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,
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          },
          {
            "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",
            "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",
            "type": "direct_deposit",
            "pay_date": "2026-05-15",
            "pay_period": {
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              "end_date": "2026-05-24"
            },
            "currency": "USD",
            "gross_pay": "3200.00",
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            "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",
            "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",
            "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",
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            "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",
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                "rate_implied_ytd": "20.01"
              }
            },
            "deduction_list": [
              {
                "amount": "390.00",
                "name": "Benefits",
                "tax_classification": "pre_tax",
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              }
            ]
          },
          {
            "id": "925863dd-dd7c-3bf2-a11e-75ecf70ad1d5",
            "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",
            "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",
            "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",
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                "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/v1783524820/docs-2026/VOAI_Banking_Report.pdf)

  Report PDF

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

  ```json theme={}
  {
      "id": "f6p9p6umcs9r",
      "type": "voaHistory",
      "constraints": {
          "accounts": null,
          "from_date": "2024-07-08T15:30:43.000Z",
          "report_custom_fields": [
              {
                  "label": "loanID",
                  "value": "12345",
                  "shown": true
              }
          ],
          "show_nsf": null,
          "income_stream_confidence_minimum": 50,
          "income_from_date": "1970-01-01T00:00:00.000Z"
      },
      "status": "success",
      "portfolio": "9e3jzy2xwecn-1-port",
      "assets": {
          "current_balance": 9357.24,
          "two_month_average": 1174.72,
          "six_month_average": -13618.13,
          "beginning_balance": -186971.45
      },
      "consolidated_available_balance": 7234.19,
      "consumer": "ad13dd196b9aea138dabf91bae4257e6",
      "consumer_ssn": "0000",
      "created_date": "2026-07-08T15:30:43.000Z",
      "user": "019f4258-a2e2-4f4a-5b98-a389022feff0",
      "customer_type": "testing",
      "days": 730,
      "dispute_statement": null,
      "end_date": "2026-07-08T15:30:43.000Z",
      "end_user": null,
      "institutions": [
          {
              "accounts": [
                  {
                      "aggregation_status_code": 0,
                      "asset": {
                          "type": "checking",
                          "current_balance": 9357.24,
                          "two_month_average": 1174.72,
                          "six_month_average": -13618.13,
                          "beginning_balance": -186971.45
                      },
                      "average_monthly_balance": -93977.25,
                      "balance": 9357.24,
                      "balance_date": "2026-07-08T15:30:42.000Z",
                      "currency": "USD",
                      "details": {
                          "interest_margin_balance": null,
                          "available_cash_balance": null,
                          "vested_balance": null,
                          "current_loan_balance": null,
                          "available_balance_amount": 7234.19,
                          "margin_balance": null,
                          "current_balance": null
                      },
                      "id": 9028264221,
                      "income_streams": [
                          {
                              "id": "f6p9p6umcs9r1",
                              "name": "rocket surgery",
                              "status": "ACTIVE",
                              "estimate_inclusion": "HIGH",
                              "confidence": 100,
                              "cadence": {
                                  "start_date": "2024-07-15T12:00:00.000Z",
                                  "stop_date": null,
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      "requester_name": "Argyle Systems",
      "seasoned": true,
      "start_date": "2024-07-08T15:30:43.000Z",
      "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/v1783525407/docs-2026/VOI_Banking_Report.pdf)

  Report PDF

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

  ```json theme={}
  {
      "id": "cbtdzjvzbw5k-voi",
      "type": "voi",
      "constraints": {
          "accounts": null,
          "from_date": "2024-07-08T15:42:12.000Z",
          "report_custom_fields": [
              {
                  "label": "loanID",
                  "value": "12345",
                  "shown": true
              }
          ],
          "show_nsf": null,
          "income_stream_confidence_minimum": 50
      },
      "status": "success",
      "portfolio": "ktx7q9nt93zv-1-port",
      "consumer": "e5775e555ae3f1835c499e6e9959ec6c",
      "consumer_ssn": "0000",
      "created_date": "2026-07-08T15:42:12.000Z",
      "user": "019f4263-9119-79e6-7e08-dbe34613d444",
      "customer_type": "testing",
      "days": 730,
      "dispute_statement": null,
      "end_date": "2026-07-08T15:42:12.000Z",
      "end_user": null,
      "request_id": "b4wcz33cv2",
      "requester_name": "Argyle Systems",
      "seasoned": true,
      "start_date": "2024-07-08T15:42:12.000Z",
      "title": "Mastercard Open Banking Verification of Income",
      "income": [
          {
              "confidence_type": "HIGH",
              "income_estimate": {
                  "estimated_gross_annual": 117104.0,
                  "net_annual": 82408.47,
                  "projected_gross_annual": 105839.0,
                  "projected_net_annual": 73284.17
              },
              "net_monthly": [
                  {
                      "month": "2024-07-01T06:00:00.000Z",
                      "net": 2802.3
                  },
                  {
                      "month": "2024-08-01T06:00:00.000Z",
                      "net": 3978.64
                  },
                  {
                      "month": "2024-09-01T06:00:00.000Z",
                      "net": 3514.65
                  },
                  {
                      "month": "2024-10-01T06:00:00.000Z",
                      "net": 6544.43
                  },
                  {
                      "month": "2024-11-01T06:00:00.000Z",
                      "net": 3620.25
                  },
                  {
                      "month": "2024-12-01T07:00:00.000Z",
                      "net": 5825.7
                  },
                  {
                      "month": "2025-01-01T07:00:00.000Z",
                      "net": 4737.91
                  },
                  {
                      "month": "2025-02-01T07:00:00.000Z",
                      "net": 5650.03
                  },
                  {
                      "month": "2025-03-01T07:00:00.000Z",
                      "net": 3978.64
                  },
                  {
                      "month": "2025-04-01T06:00:00.000Z",
                      "net": 3499.65
                  },
                  {
                      "month": "2025-05-01T06:00:00.000Z",
                      "net": 6544.43
                  },
                  {
                      "month": "2025-06-01T06:00:00.000Z",
                      "net": 4174.35
                  },
                  {
                      "month": "2025-07-01T06:00:00.000Z",
                      "net": 5271.53
                  },
                  {
                      "month": "2025-08-01T06:00:00.000Z",
                      "net": 5743.67
                  },
                  {
                      "month": "2025-09-01T06:00:00.000Z",
                      "net": 11304.74
                  },
                  {
                      "month": "2025-10-01T06:00:00.000Z",
                      "net": 11373.0
                  },
                  {
                      "month": "2025-11-01T06:00:00.000Z",
                      "net": 6339.68
                  },
                  {
                      "month": "2025-12-01T07:00:00.000Z",
                      "net": 8156.93
                  },
                  {
                      "month": "2026-01-01T07:00:00.000Z",
                      "net": 6472.38
                  },
                  {
                      "month": "2026-02-01T07:00:00.000Z",
                      "net": 5954.44
                  },
                  {
                      "month": "2026-03-01T07:00:00.000Z",
                      "net": 7413.01
                  },
                  {
                      "month": "2026-04-01T06:00:00.000Z",
                      "net": 5100.11
                  },
                  {
                      "month": "2026-05-01T06:00:00.000Z",
                      "net": 5944.8
                  },
                  {
                      "month": "2026-06-01T06:00:00.000Z",
                      "net": 6818.97
                  },
                  {
                      "month": "2026-07-01T06:00:00.000Z",
                      "net": 1786.74
                  }
              ]
          },
          {
              "confidence_type": "MODERATE",
              "income_estimate": {
                  "estimated_gross_annual": 119836.0,
                  "net_annual": 84632.14,
                  "projected_gross_annual": 105839.0,
                  "projected_net_annual": 73284.17
              },
              "net_monthly": [
                  {
                      "month": "2024-07-01T06:00:00.000Z",
                      "net": 2802.3
                  },
                  {
                      "month": "2024-08-01T06:00:00.000Z",
                      "net": 3978.64
                  },
                  {
                      "month": "2024-09-01T06:00:00.000Z",
                      "net": 5872.82
                  },
                  {
                      "month": "2024-10-01T06:00:00.000Z",
                      "net": 6544.43
                  },
                  {
                      "month": "2024-11-01T06:00:00.000Z",
                      "net": 3620.25
                  },
                  {
                      "month": "2024-12-01T07:00:00.000Z",
                      "net": 5825.7
                  },
                  {
                      "month": "2025-01-01T07:00:00.000Z",
                      "net": 4737.91
                  },
                  {
                      "month": "2025-02-01T07:00:00.000Z",
                      "net": 5650.03
                  },
                  {
                      "month": "2025-03-01T07:00:00.000Z",
                      "net": 3978.64
                  },
                  {
                      "month": "2025-04-01T06:00:00.000Z",
                      "net": 5857.82
                  },
                  {
                      "month": "2025-05-01T06:00:00.000Z",
                      "net": 6544.43
                  },
                  {
                      "month": "2025-06-01T06:00:00.000Z",
                      "net": 4174.35
                  },
                  {
                      "month": "2025-07-01T06:00:00.000Z",
                      "net": 5271.53
                  },
                  {
                      "month": "2025-08-01T06:00:00.000Z",
                      "net": 5743.67
                  },
                  {
                      "month": "2025-09-01T06:00:00.000Z",
                      "net": 11304.74
                  },
                  {
                      "month": "2025-10-01T06:00:00.000Z",
                      "net": 11373.0
                  },
                  {
                      "month": "2025-11-01T06:00:00.000Z",
                      "net": 6339.68
                  },
                  {
                      "month": "2025-12-01T07:00:00.000Z",
                      "net": 8156.93
                  },
                  {
                      "month": "2026-01-01T07:00:00.000Z",
                      "net": 6472.38
                  },
                  {
                      "month": "2026-02-01T07:00:00.000Z",
                      "net": 5954.44
                  },
                  {
                      "month": "2026-03-01T07:00:00.000Z",
                      "net": 9636.68
                  },
                  {
                      "month": "2026-04-01T06:00:00.000Z",
                      "net": 5100.11
                  },
                  {
                      "month": "2026-05-01T06:00:00.000Z",
                      "net": 5944.8
                  },
                  {
                      "month": "2026-06-01T06:00:00.000Z",
                      "net": 6818.97
                  },
                  {
                      "month": "2026-07-01T06:00:00.000Z",
                      "net": 1786.74
                  }
              ]
          },
          {
              "confidence_type": "LOW",
              "income_estimate": {
                  "estimated_gross_annual": 133141.0,
                  "net_annual": 95459.47,
                  "projected_gross_annual": 105839.0,
                  "projected_net_annual": 73284.17
              },
              "net_monthly": [
                  {
                      "month": "2024-07-01T06:00:00.000Z",
                      "net": 2802.3
                  },
                  {
                      "month": "2024-08-01T06:00:00.000Z",
                      "net": 3978.64
                  },
                  {
                      "month": "2024-09-01T06:00:00.000Z",
                      "net": 5872.82
                  },
                  {
                      "month": "2024-10-01T06:00:00.000Z",
                      "net": 6544.43
                  },
                  {
                      "month": "2024-11-01T06:00:00.000Z",
                      "net": 3620.25
                  },
                  {
                      "month": "2024-12-01T07:00:00.000Z",
                      "net": 5825.7
                  },
                  {
                      "month": "2025-01-01T07:00:00.000Z",
                      "net": 4737.91
                  },
                  {
                      "month": "2025-02-01T07:00:00.000Z",
                      "net": 5769.2
                  },
                  {
                      "month": "2025-03-01T07:00:00.000Z",
                      "net": 3978.64
                  },
                  {
                      "month": "2025-04-01T06:00:00.000Z",
                      "net": 5857.82
                  },
                  {
                      "month": "2025-05-01T06:00:00.000Z",
                      "net": 6544.43
                  },
                  {
                      "month": "2025-06-01T06:00:00.000Z",
                      "net": 4174.35
                  },
                  {
                      "month": "2025-07-01T06:00:00.000Z",
                      "net": 5271.53
                  },
                  {
                      "month": "2025-08-01T06:00:00.000Z",
                      "net": 5743.67
                  },
                  {
                      "month": "2025-09-01T06:00:00.000Z",
                      "net": 11304.74
                  },
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                      "month": "2025-10-01T06:00:00.000Z",
                      "net": 11526.76
                  },
                  {
                      "month": "2025-11-01T06:00:00.000Z",
                      "net": 8339.68
                  },
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                      "month": "2025-12-01T07:00:00.000Z",
                      "net": 8156.93
                  },
                  {
                      "month": "2026-01-01T07:00:00.000Z",
                      "net": 6472.38
                  },
                  {
                      "month": "2026-02-01T07:00:00.000Z",
                      "net": 6164.75
                  },
                  {
                      "month": "2026-03-01T07:00:00.000Z",
                      "net": 9636.68
                  },
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                      "month": "2026-04-01T06:00:00.000Z",
                      "net": 5100.11
                  },
                  {
                      "month": "2026-05-01T06:00:00.000Z",
                      "net": 10260.8
                  },
                  {
                      "month": "2026-06-01T06:00:00.000Z",
                      "net": 10966.23
                  },
                  {
                      "month": "2026-07-01T06:00:00.000Z",
                      "net": 1786.74
                  }
              ]
          }
      ],
      "institutions": [
          {
              "accounts": [
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                      "available_balance": 7234.19,
                      "average_monthly_balance": -93977.25,
                      "balance": 9357.24,
                      "currency": "USD",
                      "beginning_balance": -186971.45,
                      "current_balance": 9357.24,
                      "id": 9028265862,
                      "income_streams": [
                          {
                              "average_monthly_income_net": 4118.27,
                              "cadence": {
                                  "days": 15,
                                  "start_date": "2024-07-15T12:00:00.000Z",
                                  "stop_date": null
                              },
                              "confidence": 100,
                              "estimate_inclusion": "HIGH",
                              "estimated_gross_annual": 73071.0,
                              "id": "cbtdzjvzbw5k-voi1",
                              "income_stream_months": 25,
                              "name": "rocket surgery",
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                              "net_monthly": [
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                                      "net": 1757.21
                                  },
                                  {
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                                      "net": 3449.44
                                  },
                                  {
                                      "month": "2024-09-01T06:00:00.000Z",
                                      "net": 3514.43
                                  },
                                  {
                                      "month": "2024-10-01T06:00:00.000Z",
                                      "net": 3544.43
                                  },
                                  {
                                      "month": "2024-11-01T06:00:00.000Z",
                                      "net": 3499.43
                                  },
                                  {
                                      "month": "2024-12-01T07:00:00.000Z",
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                                  {
                                      "month": "2025-01-01T07:00:00.000Z",
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                                  },
                                  {
                                      "month": "2025-02-01T07:00:00.000Z",
                                      "net": 3514.43
                                  },
                                  {
                                      "month": "2025-03-01T07:00:00.000Z",
                                      "net": 3449.44
                                  },
                                  {
                                      "month": "2025-04-01T06:00:00.000Z",
                                      "net": 3499.43
                                  },
                                  {
                                      "month": "2025-05-01T06:00:00.000Z",
                                      "net": 3544.43
                                  },
                                  {
                                      "month": "2025-06-01T06:00:00.000Z",
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                                  },
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                                  },
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                                  },
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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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                                  },
                                  {
                                      "month": "2026-01-01T07:00:00.000Z",
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                                  },
                                  {
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                                  },
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                                  },
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                              ],
                              "projected_gross_annual": 66349.0,
                              "projected_net_annual": 45030.81,
                              "status": "ACTIVE",
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                                  },
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                                  },
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                                      "description": "ROCKET SURGERY PAYROLL",
                                      "memo": "PPD ID: 1234567892",
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                                  },
                                  {
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                                      "description": "ROCKET SURGERY PAYROLL",
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                                  },
                                  {
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                                      "id": 15418403067,
                                      "amount": 125.0,
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                                      "description": "REMOTE ONLINE DEPOSIT #",
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                                      "category": "Deposit",
                                      "best_representation": null
                                  },
                                  {
                                      "id": 15418403044,
                                      "amount": 75.0,
                                      "posted_date": "2024-12-15T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
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                                  },
                                  {
                                      "id": 15418403053,
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                                      "posted_date": "2024-11-17T12:00:00.000Z",
                                      "description": "DEPOSIT ID NUMBER 123456",
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                                      "best_representation": null
                                  },
                                  {
                                      "id": 15418403229,
                                      "amount": 3000.0,
                                      "posted_date": "2024-10-03T12:00:00.000Z",
                                      "description": "DEPOSIT ID NUMBER 123457",
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                                      "description": "REMOTE ONLINE DEPOSIT #",
                                      "memo": "1",
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                                      "normalized_payee": null,
                                      "institution_transaction": "0000000000",
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                                      "best_representation": null
                                  },
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                                      "id": 15418403250,
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                                      "posted_date": "2024-08-18T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
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                                      "category": "Deposit",
                                      "best_representation": null
                                  },
                                  {
                                      "id": 15418403039,
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                                      "posted_date": "2024-08-05T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
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                                      "normalized_payee": null,
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                                      "best_representation": null
                                  },
                                  {
                                      "id": 15418403162,
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                                      "posted_date": "2024-07-21T12:00:00.000Z",
                                      "description": "REMOTE ONLINE DEPOSIT #",
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                              ]
                          },
                          {
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                              "confidence": 25,
                              "estimate_inclusion": "LOW",
                              "estimated_gross_annual": 12935.0,
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                              "name": "jaberwocky credit n.a",
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                                  {
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                                      "net": 2000.0
                                  },
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                                      "net": 210.31
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                                  {
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                                      "net": 4316.0
                                  },
                                  {
                                      "month": "2026-06-01T06:00:00.000Z",
                                      "net": 4000.0
                                  }
                              ],
                              "projected_gross_annual": 0.0,
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                              "status": "ACTIVE",
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                                      "memo": "PPD ID: 1234567893",
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                                  },
                                  {
                                      "id": 15418403185,
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                                      "posted_date": "2026-05-14T12:00:00.000Z",
                                      "description": "JABERWOCKY CREDIT N.A. JABERWOCKY",
                                      "memo": "PPD ID: 1234567893",
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                                  },
                                  {
                                      "id": 15418403158,
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                                      "posted_date": "2026-05-14T12:00:00.000Z",
                                      "description": "JABERWOCKY CREDIT N.A. JABERWOCKY",
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                                  {
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                                      "description": "JABERWOCKY CREDIT N.A. JABERWOCKY",
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                                  {
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                              ]
                          },
                          {
                              "average_monthly_income_net": 25.08,
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                              "confidence": 0,
                              "estimate_inclusion": "LOW",
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                              "income_stream_months": 17,
                              "name": "unrecognized entity",
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                                  },
                                  {
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                                      "net": 147.26
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                              ],
                              "projected_gross_annual": 0.0,
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                              "status": "INACTIVE",
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                                  {
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                                      "description": "Cash Redemption",
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                                  {
                                      "id": 15418403116,
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                                      "description": "Cash Redemption",
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                          },
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                              "estimate_inclusion": "MODERATE",
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                                  },
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                              "projected_gross_annual": 0.0,
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                              "status": "INACTIVE",
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                                      "description": "ATM CHECK DEPOSIT mm/dd 333 S LS",
                                      "memo": "Some St Somewhere City State",
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                                      "category": "Cash & ATM",
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                                  },
                                  {
                                      "id": 15418403201,
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                                      "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,
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                                      "category": "Cash & ATM",
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                                  },
                                  {
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                                      "description": "ATM CHECK DEPOSIT mm/dd 333 S LS",
                                      "memo": "OADWAY AVE OKLAHOMA CITY OK",
                                      "investment_transaction_type": null,
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                                      "institution_transaction": "0000000000",
                                      "category": "Cash & ATM",
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                                  }
                              ]
                          },
                          {
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                                  "stop_date": "2025-10-06T12:00:00.000Z"
                              },
                              "confidence": 100,
                              "estimate_inclusion": "HIGH",
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                              "id": "cbtdzjvzbw5k-voi7",
                              "income_stream_months": 1,
                              "name": "internal revenue service",
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                              ],
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                              "status": "INACTIVE",
                              "transactions": [
                                  {
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                                      "description": "IRS TREAS 310 TAX REF",
                                      "memo": "PPD ID: 1234567897",
                                      "investment_transaction_type": null,
                                      "normalized_payee": null,
                                      "institution_transaction": "0000000000",
                                      "category": "Federal Tax",
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                                  }
                              ]
                          }
                      ],
                      "misc_deposits": [
                          {
                              "amount": 290.16,
                              "category": "Income",
                              "description": "Credit Return: Online Payment 44",
                              "id": 15418403237,
                              "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": 15418403168,
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                              "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>

## Payroll Overview

Verify income and employment by allowing users to directly connect their employers and payroll providers.

<Frame>
  <img alt="Link is where payroll accounts are connected through Argyle." />
</Frame>

## Government Overview

Generate government payroll reports with `voie-government`. If self-certification is enabled, applicants review their income in Link before submitting.

<Frame>
  <img alt="Applicant self-certification flow for a government payroll report." />
</Frame>

## Banking Overview

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

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

## Documents Overview

<Note>
  Doc VOI reports are designed for mortgage workflows and typically require a recent paystub plus prior-year year-end income documents, such as W-2s or December paystubs. For non-mortgage document collection, OCR, and authenticity workflows, use [Document Processing](/workflows/document-processing).
</Note>

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>

## Workflow

<div />

### Create a user

[Create a user](/api-reference/users/create-a-user) before ordering a verification.

Include the following PII information in your request:

| Field          | Payroll verifications | Banking verifications | Document verifications |
| -------------- | --------------------- | --------------------- | ---------------------- |
| `first_name`   | Required              | Required              | Required               |
| `last_name`    | Required              | Required              | Required               |
| `ssn`          | Not required          | Required              | Required               |
| `birth_date`   | Not required          | Required              | Not required           |
| `address`      | Not required          | Required              | Not required           |
| `phone_number` | Not required          | Required              | Not required           |

<Accordion title="Example request: POST /v2/users">
  ```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": null
    },
    "birth_date": {
      "year": 1990,
      "month": 1,
      "day": 13
    },
    "external_id": null,
    "external_metadata": {
      "suppress_verification": true
    }
  }
  ```
</Accordion>

### Order a verification

Use [`POST /v2/verifications`](/api-reference/verifications/order-a-verification) for all verification types (payroll, banking, and documents).

The shared request model works as follows:

* `user` is required for all verification requests.
* `report.type` determines whether the verification is payroll, banking, or documents-based.
* `employments` is required for document verifications only.
* `report.configuration` is used for banking verifications only.
* `loan` and `billing` apply to regular payroll and mortgage verification workflows.

Payroll verifications use `report.type = voie | voe`

<Accordion title="Example payroll request: POST /v2/verifications">
  ```json theme={}
  {
    "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
    "report": {
      "type": "voie"
    },
    "loan": {
      "number": "1234",
      "borrower_id": "ABC789",
      "application_id": "2121313",
      "officer_email": "john.doe@mortgage.com"
    },
    "billing": {
      "cost_center": "5"
    }
  }
  ```
</Accordion>

Government payroll verifications use `report.type = voie-government`.

* Set `report.self_certification = false` when applicant review and confirmation are not required.

<Accordion title="Example government request: POST /v2/verifications">
  ```json theme={}
  {
    "user": "018051aa-f7a9-a0db-2f38-6cfa325e9d69",
    "report": {
      "type": "voie-government",
      "self_certification": true
    }
  }
  ```
</Accordion>

Banking verifications use `report.type = voa | voai | voi | voe-transactions`

<Accordion title="Example banking request: POST /v2/verifications">
  ```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
          }
        ]
      }
    },
    "loan": {
      "number": "1234",
      "borrower_id": "ABC789",
      "application_id": "2121313",
      "officer_email": "john.doe@mortgage.com"
    },
    "billing": {
      "cost_center": "5"
    }
  }
  ```
</Accordion>

Mortgage document verifications use `report.type = doc-voi-mortgage`

<Accordion title="Example document request: POST /v2/verifications">
  ```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"
    },
    "loan": {
      "number": "1234",
      "borrower_id": "ABC789",
      "application_id": "2121313",
      "officer_email": "john.doe@mortgage.com"
    },
    "billing": {
      "cost_center": "5"
    }
  }
  ```
</Accordion>

<a />

### Create a connection session

*Skip this step for document verifications.*

For payroll and banking verifications, create a session via [`POST /v2/sessions`](/api-reference/verifications/create-a-session). When the request succeeds, the response includes a `link` URL that launches the frontend session. Session links expire after one hour for security. A new session link can be created at any time by creating another session for the active verification.

<Note>
  The verification used to create the session must be in an active state. Active means the verification is not completed and not cancelled. If no active verification exists, create a new verification first.
</Note>

The request requires a `verification` ID and accepts an optional `configuration` object:

<div>
  <table>
    <thead>
      <tr>
        <th>Configuration property</th>
        <th>Applies to</th>
        <th>Description</th>
      </tr>
    </thead>

    <tbody>
      <tr>
        <td><code>configuration.experience</code></td>
        <td>Banking only</td>
        <td>Optional bank connection experience customization ID<br />(<em>provided by Argyle</em>)</td>
      </tr>

      <tr>
        <td><code>configuration.single\_use\_url</code></td>
        <td>Banking only</td>
        <td>Expires after one successful connection</td>
      </tr>

      <tr>
        <td><code>configuration.redirect\_url</code></td>
        <td>Payroll and banking</td>
        <td>Redirect URL after session completion.</td>
      </tr>

      <tr>
        <td><code>configuration.flow\_id</code></td>
        <td>Payroll only</td>
        <td>Optional payroll embedded connection experience customization ID</td>
      </tr>

      <tr>
        <td><code>configuration.items</code></td>
        <td>Payroll only</td>
        <td>Limits Link to the provided Items. One Item opens that Item directly; multiple Items show only those Items.</td>
      </tr>

      <tr>
        <td><code>configuration.language</code></td>
        <td>Payroll only</td>
        <td>Supported Link [display language](/link/initialization/overview#optional-initialization-parameters)</td>
      </tr>

      <tr>
        <td><code>configuration.mobile\_app</code></td>
        <td>Payroll only</td>
        <td>Set to `true` if embedding in a mobile application, otherwise `false`</td>
      </tr>
    </tbody>
  </table>
</div>

<Accordion title="Example 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="Example 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="Example banking request: POST /v2/sessions">
  ```json theme={}
  {
    "verification": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
    "configuration": {
      "experience": "97f1eccb-241d-4052-8409-fab9e27a589b",
      "single_use_url": false,
      "redirect_url": "https://your-application.com/return"
    }
  }
  ```
</Accordion>

<Accordion title="Example banking response">
  ```json theme={}
  {
    "verification": "43a2c6c3-1e63-91e5-88e3-f9ab2dcc489b",
    "configuration": {
      "experience": "97f1eccb-241d-4052-8409-fab9e27a589b",
      "single_use_url": false,
      "redirect_url": "https://your-application.com/return"
    },
    "link": "https://connect2.finicity.com?...",
    "data_source": "banking"
  }
  ```
</Accordion>

### Launch the frontend session

Use the returned `link` based on the verification type.

#### Payroll

* **Payroll SDKs (recommended)**
  * Pass `link` as the `connectUrl` parameter when [initializing the Web SDK](/link/initialization/web#initialize-with-connecturl) or [Mobile SDKs](/link/initialization/mobile-sdks).
  * This is the default recommendation, including when you want to initialize Link inside an iframe as [Link callbacks](/link/reference/callbacks) remain available.
* **Hosted Link**
  * On web, open the `link` URL in the same tab, a popup window, or a separate tab.
  * On mobile, open the `link` in a secure browser context such as `ASWebAuthenticationSession` on iOS or `Android Custom Tabs` on Android.
  * Hosted Link currently does not support callbacks.

#### Banking

* **Banking SDK (recommended)**
  * Pass `link` as the `connectURL` value when launching the banking SDK.
  * SDK callbacks support immediate frontend UX handling. For backend verification status, subscribe to the [`verifications.updated`](/api-reference/verifications-webhooks/updated) webhook.
  * For SDK installation options and advanced configuration, refer to <a href="https://developer.mastercard.com/open-finance-us/documentation/connect/integrating/sdk/web-sdk/sdk/">SDK docs</a>.

<Accordion title="Banking SDK initialization example matching Payroll Link dimensions">
  ```html theme={}
  <!DOCTYPE html>
  <html lang="en">
    <head>
      <meta charset="UTF-8" />
      <title>Banking SDK Example</title>
      <style>
        body {
          margin: 0;
        }

        #connect-container {
          width: 390px;
          height: 720px;
          position: relative;
        }
      </style>
    </head>
    <body>
      <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'

        // Returned by your backend after it calls POST /v2/sessions.
        // Do not call Argyle APIs directly from browser code with API keys.
        const session = { link: 'SESSION_LINK' }
        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),
          onRoute: event => console.log('Route changed', event),
          onUser: event => console.log('User action', event),
          onLoad: () => console.log('Banking SDK loaded')
        }

        function startConnect() {
          Connect.launch(connectURL, eventHandlers, {
            popup: false,
            selector: '#connect-container'
          })
        }

        startConnect()
        // Call Connect.destroy() when the banking UI is no longer needed.
      </script>
    </body>
  </html>
  ```
</Accordion>

* **Hosted banking session**
  * 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.
  * Set `configuration.redirect_url` so the user returns to your application.
  * On web, open the `link` URL in the same tab, a popup window, or a separate tab.
  * On mobile, open the `link` in a secure browser context such as `ASWebAuthenticationSession` on iOS or `Android Custom Tabs` on Android.
  * Do not default to opening the raw returned `link` directly in an iframe.

### Subscribe to webhooks

Subscribe to the [`verifications.updated`](/api-reference/verifications-webhooks/updated) webhook to track lifecycle events.

<Note>
  Set `include_resource = true` so the webhook payload contains the full verification object inside `data.resource`.
</Note>

The most important verification `status.code` updates are:

* `pending` — verification created
* `user_session_started` — user opened the payroll or banking experience
* `authenticated` — the user authenticated for payroll or banking and data aggregation is starting
* `awaiting_certification` — awaiting user certification for aggregated government data
* `documents_processing` — uploaded documents are currently processing
* `report_generating` — the report is being generated
* `completed` — the report is ready for download
* `completed_with_errors` — the report is ready for download but has limitations

These are the primary lifecycle updates. Additional state transitions can occur depending on the verification flow.

### Download reports and JSON

When you receive a [`verifications.updated`](/api-reference/verifications-webhooks/updated) webhook with `status.code = completed` or `completed_with_errors`, the `report` object in the webhook payload will contain the following download links:

* `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).

## Re-Verifications

<div />

### Instant Refresh

<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.

In most cases, instant refresh verifications move quickly to either `completed` or `cancelled`.

### 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.

Argyle reuses the user's previously uploaded documents 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 options and error handling

<div />

### Connections not completed

If the user closes the payroll or banking experience before completion, or the session link expires, the verification usually remains in `pending` or `user_session_started`. In this case, create a new session URL for the existing active verification with [`POST /v2/sessions`](/api-reference/verifications-guide#create-a-connection-session).

### 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`.

## Testing

<div />

### Payroll test profiles

Use Argyle's [sample user credentials](/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>


# 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 each time a verification's state transitions to `PROCESSING`, `PAUSED`, or `COMPLETED`.


Sent when a verification has been updated.


# 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 and return a `link` URL that launches the frontend experience.

Session links expire after one hour. A new session link can be created at any time by creating another session for the active verification.

<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](/api-reference/verifications-guide#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.



# 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>




# 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>

## 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

Embed, brand, and customize Argyle

Embed, brand, and customize Argyle's payroll connection experience.

## 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.


# 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 is an Admin tool for managing Console members that send invites through Console.
</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:

* **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.

Structuring groups effectively allows efficient collaboration and communication, streamlines interactions with invited users, and facilitates smoother workflows to enhance productivity within Console.

<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 groups 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 groups 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 members 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>

## Disclaimer

Please note that our groups management system serves solely as a front-end user interface solution. While it facilitates Console member interactions and data displayed within Console, it does not function as a comprehensive data permissioning system.


# 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="Console is an online and no-code way to retrieve payroll data using Argyle." />
</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.


# Documentation
Source: https://docs.argyle.com/index

Learn how Argyle works, and begin accessing real-time payroll data.

## Guides

<CardGroup>
  <Card title="Overview" icon="book-open" href="/overview/how-argyle-works">
    Learn about Argyle's data structure, data sets, reports, and sample applications.
  </Card>

  <Card title="Workflows" icon="diagram-project" href="/workflows/account-connections">
    Build verification, re-verification and document processing workflows.
  </Card>

  <Card title="Integrations" icon="puzzle-piece" href="/integrations/pos-los/encompass/verifications">
    Connect Argyle with other applications, services, and business systems.
  </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">
    Set up consumer connections with email, text, or embedded experiences.&#x20;
  </Card>

  <Card title="API" icon="code" href="/api-guide/overview">
    Get started with Argyle's API endpoints, webhooks, and Postman for quick set-up.
  </Card>
</CardGroup>

## References

<Card title="API Reference" icon="book" href="/api-reference/users">
  Data properties, data structures, requests and responses, and webhooks.
</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

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>.
* 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](/overview/how-argyle-works#connecting-accounts) through Argyle.
2. Argyle generates verification reports from the borrowers' payroll data.
3. Lenders submit the reference number listed on Argyle's verification reports to Fannie Mae's DU validation service and/or Freddie Mac's Loan Product Advisor® (LPASM℠) along with the loan casefiles.

Fannie Mae and Freddie Mac will automatically receive a copy of Argyle's verification reports and the underlying income and employment data. After the information is validated, Day 1 Certainty and AIM eligibility will be delivered 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](/overview/data-structure/reports#generating-reports).

<img alt="Select a report type." />

### Locating reference numbers

A `Reference #` will be listed at the top of Argyle's verification report that 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

Visit the [Day 1 Certainty® and AIM section](/integrations/pos-los/encompass/verifications#day-1-certainty-and-aim) of our Encompass Guide for more information on submitting reference numbers through the Encompass® by ICE Mortgage Technology® platform.

## 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 an Argyle 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 an Argyle 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_data`](/api-reference/user-uploads#object-metadata-ocr_data) object within the JSON will contain the OCR data.
   * The [`ocr_authenticity`](/api-reference/user-uploads#object-metadata-ocr_authenticity) object will contain details on individual instances of tampering or other authenticity-related edits.
   <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.

<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": {
          "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
    },
    "created_at": "2023-03-17T10:40:00.672Z",
    "updated_at": "2023-03-17T10:45:20.035Z"
  }
  ```
</Accordion>

The following fields contain OCR and Authenticity related information:

* `ocr_data` — Object. Contains OCR data.
* `ocr_authenticity` — Object. Contains details on individual instances of tampering or other authenticity-related edits made to the uploaded document that were detected.
* `ocr_authenticity_score` — Integer. Single score that captures the likelihood the uploaded document is authentic.

<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 within the `ocr_data` object.

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_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

Provide an enhanced borrower experience with direct payroll and banking connections.

Encompass® Consumer Connect is a digital mortgage point-of-sale (POS) platform developed by ICE Mortgage Technology®. The platform is designed to enhance the borrower experience by providing a seamless, paperless process accessible from any device.

With Argyle embedded in Consumer Connect, borrowers can link both their payroll and financial accounts through guided flows within their application.

Argyle delivers verified employment & income data alongside real-time asset information straight into Encompass®, eliminating manual uploads and giving lenders the complete picture they need for faster, Day 1 Certainty® ready decisions.

## Employment & Income

<div />

### Overview

Incorporating Argyle makes the borrower experience truly paperless:

1. Borrowers connect their payroll accounts through Argyle within Consumer Connect.
2. Argyle pre-fills loan application fields for the borrower using direct-from-the-source payroll data.
3. Imported payroll documents from the borrower's connections and Argyle income & employment verification reports will automatically be made viewable within [Argyle's 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. Argyle will immediately begin importing the borrower's payroll data. If more employment history is required, the borrower will be prompted to connect additional accounts. Otherwise, the borrower can click `Done` to finish and exit the process.

   <img alt="After the borrower finishes connecting their accounts, Argyle will check if there is a sufficient amount of employment history before the borrower can exit to complete the process." />

### Payroll data populates the application

After the borrower completes the Argyle connection process, verified employment and income data will automatically populate the borrower's application and be mapped 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 from the borrower's connections and Argyle income & employment verification reports will automatically be made viewable within [Argyle's 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 Argyle connection process, verified asset data from their selected financial accounts will automatically begin to import and populate the borrower's Consumer Connect application. The borrower can manually add additional assets, or continue on to complete the remainder of their 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, you can verify income and employment using Argyle's direct connections to U.S. employee payroll accounts.

* Generate **Verification of Income** and **Verification of Employment** reports.
* Access and view **W-2's** 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](/overview/how-argyle-works#connecting-accounts) through Argyle.
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 #` will be listed at the top of Argyle's verification report that 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, please reach out to [support@arygle.com](mailto:support@arygle.com) or your Customer Success Manager.*


# Banking Verifications
Source: https://docs.argyle.com/integrations/pos-los/encompass/legacy-guide/banking-verifications

Verify assets within the Encompass® by ICE Mortgage Technology® platform.

## Overview

Verify assets inside the Encompass® by ICE Mortgage Technology® platform with direct connections to financial institutions.

* Generate **Verification of Assets (VOA)** and **Verification of Assets & Income (VOAI)** reports.
* Generate closing **Verifications of Employment (VOE)**.

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

## How it works

1. Borrowers are invited to securely connect their financial accounts.
2. An asset verification report is automatically generated and added to the Encompass® eFolder.
3. Additional asset reports and closing verification reports can be ordered within Encompass®.

## Ordering verifications

<div />

### Select asset verification service

1. Select a loan in Encompass®.
2. Under **Services**:
   * \[Web] Select **All Services** and then **Order Service**. In the pop-up, click
     **Verifications** under Categories.
   * \[SmartClient] Select **Order Verifications**.
3. In the pop-up, select **Finicity - Verification of Assets** under Providers.
   Then click **Next/Submit**.

<img alt="Order asset verification service directly within Encompass." />

### Ordering initial verification reports

1. Make a selection within the **Account History** and **Permissible Purpose** dropdowns.

2. Enter the email address of the borrower and toggle the **Order** button ON.

3. Enter the email address(es) you want notified when an asset verification report is ready.

   <Note>
     The initial report type is determined by the `Company Experience ID` provided during [Admin Setup](/integrations/pos-los/encompass/setup-guide#add-credentials).

     * **Verification of Assets (VOA)** is the default initial report type.
     * Reach out to your Argyle customer success manager if you prefer **Verification of Assets & Income (VOAI)** as the default initial report type.
   </Note>

4. Click **Submit** to order the report.

   <img alt="Order an asset verification report." />

5. Submitted orders will initially appear with a **Pending** status.

   * Once the order is submitted, borrowers are sent an email asking them to connect their financial accounts.
   * You can select the **Resend** action to send another email to the borrower if needed.
   * Verification reports will automatically be pushed to eFolder when the order is **Completed**.

   <img alt="Until a borrower attempts or successfully connects their financial accounts, they will have a pending status." />

### Retrieving reports

1. Click on `icon` under **Received Docs** after the order is **Completed**.

2. View and download the report from the **Document Viewer** window.

   <img alt="View and download verification of asset reports within Encompass." />

### Ordering additional/closing reports

1. Toggle the **Refresh Report** button ON after the order is **Completed**.

2. In the pop-up, select your preferred report type:

   * Verification of Assets (VOA)
   * Verification of Assets & Income (VOAI)
   * Verification of Employment (VOE) — used for closing

   <img alt="Order additional verification reports including closing verifications of employment in Encompass." />

## Borrower experience

1. The borrower will receive an email asking them to securely connect their financial institutions after an initial verification report is ordered.

   <img alt="Borrowers receive an email asking them to connect their financial institutions." />

2. The borrower will then be guided through the process of logging in to their financial institutions to establish a data connection.

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

3. For each financial institution, the borrower will select which associated accounts to connect.

   <img alt="After connecting a financial institution, borrowers select which accounts to connect." />

## Test profiles

1. To test borrower connections, 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.
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. |

<br />

*For further assistance or specific feature requests, please reach out to [support@argyle.com](mailto:support@argyle.com) or your Customer Success Manager.*


# Document Verifications
Source: https://docs.argyle.com/integrations/pos-los/encompass/legacy-guide/document-verifications

Document-based income verifications within the Encompass® by ICE Mortgage Technology® platform.

## Overview

Verify borrower income using **paystub** and **W-2** documents within the Encompass® by ICE Mortgage Technology® platform.

* Generate **Doc VOI** (document-based income verification) reports.
* Receive GSE-calculated monthly income values.
* Receive eligibility determination for **AIM rep & warrant relief**.

<img alt="Argyle Doc VOI report with AIM eligibility." />

## How it works

1. Order an Argyle verification within Encompass® and select the **Doc VOI** report type.
2. Upload borrower paystubs and W-2s directly from the Encompass® eFolder or your local drive.
3. Argyle automatically retrieves borrower and employer information from the 1003 URLA Part 1 and 1003 URLA Part 2 in Encompass®.
4. Argyle provides a Doc VOI verification report with monthly income values and AIM rep & warrant relief eligibility determination.

## Ordering verifications

<div />

1. Select a loan in Encompass®.

### Required URLA details

1. Ensure borrower first name, last name, and social security number have been entered in the **1003 URLA Part 1**.

   <img alt="Fill in borrower first name, last name, and social security number within URLA Part 1." />

2. Ensure all employer names, start dates, and end dates (for previous employments) have been entered in the **1003 URLA Part 2**.

   <img alt="Fill in employer name, start date, and (for previous employments) end dates." />

### Order Argyle verification

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="Order an Argyle verification service directly within Encompass." />

### Request Doc VOI report

1. Select the **Doc VOI** report type within Argyle's Encompass® interface.

2. Select **Add Documents**.

   <img alt="Select a borrower within the Argyle interface then select the Doc VOI report type." />

### Uploading documents

1. Follow the instructions on which borrower documents to upload.

2. Select **Open eFolder** to begin uploading documents.

   <img alt="Instructions on which documents should be uploaded will be shown, alonside a button to open eFolder to select documents." />

3. Select documents from the eFolder, or upload from your local drive.

   <img alt="Select documents from eFolder or upload from your local drive." />

4. Make sure the borrower is selected and **Submit order**.

   <img alt="After uploading the documents, make sure the borrower is selected, then click Submit Order." />

Documents will begin processing immediately after the order is submitted.

<Note>
  Typical processing time is around 10 minutes.
</Note>

<img alt="Documents will being processing after the order is submitted." />

## Completed orders

<div />

### Viewing reports and documents

Once the order completes, you can retrieve the Doc VOI verification report.

<Note>
  Only the documents used in the report will be shown in the Argyle interface.
</Note>

<img alt="Once the verification is completed, the verification report can be retrieved." />

### Resolving employer name mismatches

1. Select **Import Employment** under **Additional Actions**.
2. Resolve any conflicts between the employer name in the loan file and the employer name Argyle retrieved from the connected payroll account.

<Note>
  Resolving employer name mismatches will help maximize GSE rep & warrant relief.
</Note>

### Generating receipts

1. Select **Generate Receipt** after selecting an individual borrower to automatically generate a receipt and push it to eFolder.

   <Note>
     Receipts are made available for each individual borrowerer after orders are **Completed**, and will indicate the fees associated with the verification order.
   </Note>

### AIM eligibility and reference IDs

* Doc VOI reports provide Freddie Mac's eligibility determination for rep & warrant relief.
* Argyle's Encompass® integration will automatically the populate the Encompass® loan file with the necessary report identifier (**Reference #**).

<img alt="Argyle Doc VOI report with AIM eligibility." />

<br />

*For further assistance, please reach out to [support@argyle.com](mailto:support@argyle.com) or your Customer Success Manager.*


# Payroll Verifications
Source: https://docs.argyle.com/integrations/pos-los/encompass/legacy-guide/payroll-verifications

Verify income and employment within the Encompass® by ICE Mortgage Technology® platform.

## Overview

Verify income and employment inside the Encompass® by ICE Mortgage Technology® platform using Argyle's direct connections to U.S. employee payroll accounts.

* Generate **Verification of Income** and **Verification of Employment** reports.
* Access and view **W-2's** and **paystubs** from connected payroll accounts.

<img alt="Argyle integrates with the Encompass platform for income and employment verification ordering." />

## How it works

1. Borrowers are invited to securely share their income and employment information by connecting their payroll accounts through Argyle.
2. Argyle provides verification reports, paystubs, and W-2 tax documents in the Encompass® eFolder.
3. Connected accounts are monitored for new payroll documents, and additional verification reports can be continuously generated throughout the mortgage loan origination process.

## Ordering verifications

<div />

### Select Argyle's verification service

1. Select a loan in Encompass®.
2. Under **Services**:
   * \[Web] Select **All Services** and then **Order Service**. In the pop-up, click
     **Verifications** under Categories.
   * \[SmartClient] Select **Order Verifications**.
3. In the pop-up, select **Argyle** under Providers.
   Then click **Next/Submit**.

<img alt="Order an Argyle verification service directly within Encompass." />

### Configure notifications (optional)

1. Select which team members should receive updates on verification orders by selecting **Notifications** in the upper-right of the Argyle window (see image below).
2. Add or remove team members from notifications at any stage of the ordering process.

<Note>
  Suggested team members are populated from contacts attached to the loan file. Standalone emails can also be entered.
</Note>

### Select borrower(s) and submit order

1. Select your desired borrowers.

   <img alt="Invite borrower(s) and choose which payroll documents and reports to receive within Argyle's interface." />

2. Review the borrowers contact details.
   <Note>
     Sending invitations via both **Email and SMS** is recommended and generally provides the best overall response
     rate.
   </Note>

3. If known, search and select the borrowers employer(s). Manually review any pre-filled employers.
   <Note>
     Argyle will automatically attempt to find matches based on employers found in the Encompass® loan file.
   </Note>

4. Select a verification report.

   * VOIE is Argyle's verification of income and employment report.
   * VOE is Argyle's verification of employment report (typically used only for [closing verifications](/integrations/pos-los/encompass/legacy-guide/payroll-verifications#ordering-closing-employment-verifications)).

   <Note>
     Additional verification reports can be requested as needed.
   </Note>

   <Note>
     Verification reports will automatically be pushed to eFolder when the order is completed.

     * If a VOIE report is ordered, the last 30 days of paystubs and two most recent W-2 tax documents will also automatically be pushed to eFolder. Any additional payroll documents that are retrieved will be available for manual review, and can be pushed to eFolder as needed.
   </Note>

5. Click **Submit Order**. Submitted orders will appear with a **Pending** status.

   <img alt="Until a borrower attempts or successfully connects their payroll account, they will have a pending status." />

6. Once the order is submitted, borrowers are sent an email and/or text invitation asking them to connect via Argyle.

   <img alt="Borrowers connect their payroll accounts through Argyle's connection experience in Link." />

### Resending invitations

<Note>
  Resending invitations is typically used when a borrower needs to reconnect their account(s) for a [closing verification](/integrations/pos-los/encompass/legacy-guide/payroll-verifications#borrower-action-required) or to resolve an [action required](/integrations/pos-los/encompass/legacy-guide/payroll-verifications#action-required) order status.
</Note>

1. Click **Resend** to resend an email and/or SMS connection invitation to the borrower.
2. Select **Copy Link** to generate a unique URL that can be shared directly with the borrower. This URL will also direct the borrower to Argyle's connection experience.

   <img alt="You can resend connection invitations to borrowers by clicking resend or copy link." />

## Ordering closing employment verifications

<Note>
  This section assumes a [VOIE report was initially ordered and completed](/integrations/pos-los/encompass/legacy-guide/payroll-verifications#ordering-verifications), and a VOE report is being ordered at loan closing to verify employment only. When a VOE report is ordered, no new paystubs or W2s are retrieved.
</Note>

### Instant ordering

When **Instant Verification Available** is shown in green, an up-to-date report can be ordered that does not require additional borrower action by selecting **Verify**.

<img alt="Instant verifications do not require additional borrower action." />

### Borrower action required

When **Re-engage if Needed** is shown in orange, there are two verification options.

<img alt="Re-engage if needed requires additional borrower action if an up-to-date report is required." />

1. **Request Updated Data** will resend a connection invitation to the borrower.
   <Note>
     A new verification report will not be generated until the borrower has reconnected at least one payroll account.
   </Note>
2. **Use Available Data** will generate a report immediately with the most available data, and does not require 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>

   <img alt="Select method provides two options: Request Update Data or Use Available Data." />

## Completed orders

<div />

### Viewing reports and documents

1. Select an individual borrower once their order reaches **Completed** status.

   <img alt="Select an individual borrower to view Argyle verification reports and payroll documents." />

2. The initially ordered verification report will automatically be **pushed to eFolder** and available to view.

   If a VOIE report was ordered, the last 30 days of paystubs and two most recent W-2 tax documents will also automatically be pushed to eFolder. Any additional payroll documents that are retrieved will be available for manual review, and can be pushed to eFolder as needed.

   <Note>
     Reports and documents can also be viewed in the <a href="https://console.argyle.com/connections">Connections</a> section of Console. Each borrower will have an [external identifier](/overview/data-structure/users#external-identifiers) that matches their Loan # on Encompass®.
   </Note>

3. Additional verification reports can be ordered by selecting **Verify**. They will be available to **Preview** and can be pushed to eFolder as needed.

### Day 1 Certainty® and AIM

Argyle's Encompass® integration will automatically populate the necessary report identifiers required by GSEs within the Encompass® loan file — if multiple Argyle verification reports have been generated, the report identifier from the most recent report will be used.

<Note>
  Reach out to your Customer Success Manager to enable Argyle's Day 1 Certainty® and AIM functionality.

  <br />

  *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>

### Resolving employer name mismatches

<Note>
  Resolving employer name mismatches will help maximize Day 1 Certainty® and AIM rep & warrant relief.
</Note>

1. Select **Import Employment** under **Additional Actions**.
2. Resolve any conflicts between the employer name in the loan file and the employer name Argyle retrieved from the connected payroll account.

   <img alt="Resolve employer name mismatches to maximize rep & warrant relief." />

### Automatic updates

Argyle attempts to maintain an ongoing connection to the borrower's connected payroll accounts
and will continue to retrieve new data and documents as they become available.

<Note>
  New payroll documents will automatically be forwarded and appear in the Argyle interface within Encompass®, and can be previewed and **pushed to eFolder** as needed.
</Note>

### Generating receipts

1. Select **Generate Receipt** after selecting an individual borrower to automatically generate a receipt and push it to eFolder.

<Note>
  Receipts are made available for each individual borrowerer after orders are **Completed**, and will indicate the fees associated with the verification order.
</Note>

## Order statuses

<div />

### Pending

The borrower has been sent an invitation to connect via Argyle, but has not taken action.

### In progress

The borrower has connected their payroll accounts. Argyle is currently processing the verification order.

### Action required

The borrower needs to take additional action before the order can be completed. More details on the underlying issue and recommended actions will be provided within Encompass®:

<img alt="Action required can typically be resolved by the borrower re-attempting their connections." />

### Cancelled

The verification order was manually cancelled within Encompass®.

<Note>
  Argyle may also cancel orders due to processing timeouts or unresolvable issues.
</Note>

### Completed

The verification order has been completed.

## Testing

1. Choose `Argyle Sandbox` (Sandbox testing) or `Argyle` (Production testing) when [selecting a verification service](/integrations/pos-los/encompass/legacy-guide/payroll-verifications#select-argyles-verification-service).
2. When ordering a report, use your test email or phone number as the borrower's contact details.
3. After receiving the invitation, use Argyle's [sample user credentials](/overview/sandbox-testing#connect-sample-users) to log in to:
   * (Sandbox testing) Any employer or payroll provider
   * (Production testing) `Platformtronic` or `Employertronic` as the employer
4. 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** |

<br />

*For further assistance or specific feature requests, please reach out to [support@argyle.com](mailto:support@argyle.com) or your Customer Success Manager.*


# Encompass - Manual Order Setup
Source: https://docs.argyle.com/integrations/pos-los/encompass/legacy-guide/setup-guide

Setting up the Argyle verification service within the Encompass® by ICE Mortgage Technology® platform.

## Income & Employment

<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, return to **Services Management** and 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." />

### Add document mapping (optional)

1. Select **Doc Mapping** to customize which **eFolder** should automatically receive each **type** of Argyle verification report and retrieved payroll document.

<img alt="You can choose which eFolder should automatically receive reports and payroll documents." />

### Enable Encompass in Argyle Console

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." />

### Assign customizations (optional)

Customizations of the Argyle's payroll connection experience are called <a href="https://console.argyle.com/flows">Link Flows</a>, which allow you to have different branding for different branches for example.

* To assign different Link Flows 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.

<img alt="You can assign Flows to specific Encompass OrgIDs." />

## Assets

<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 assets verification service

1. Select **Services Management** within the **SERVICES** dropdown.
2. Select **Add Service** and choose the **Verifications** category.
3. Search for **Finicity - Verification of Assets** and then select **Manual**.

<img alt="Add Finicity as an asset verification 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 Finicity - Verification of Assets as the loan service provider. Make sure the active toggle is ON." />

### Add credentials

1. After Argyle is added to your configured services, return to **Services Management** and select **Credentials**.
2. Select **ADD** for **Company Credentials**.
3. Enter your `Application Key`, `Partner ID`, `Partner Secret`, and `Company Experience ID`. Then click **Save**.
   <Note>
     Reach out to your Argyle customer success manager for these credentials.
   </Note>
4. After saving and exiting, set the **Status toggle** to **ON**.

<img alt="Enter the credentials you receive from your Argyle customer success manager." />

### Customize experience

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 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>

<br />

*For further assistance or specific feature requests, please reach out to [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.

## 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 **type** of Argyle verification report 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.

### 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 service 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.*


# 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." />

## 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's verification service

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="Order Argyle verification services directly within 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>
     Argyle continues retrieving new payroll data and documents while payroll connections remain active. Newly available payroll documents will appear in Argyle's Encompass® interface 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>

Argyle's Encompass® integration will automatically populate the necessary report identifiers required by GSEs within the Encompass® loan file. If multiple Argyle verification reports of the same type have been generated, the report identifier from the most recent report will be used.

**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

Automate income and employment verifications.

<br />

Integrating Argyle into your Loan Origination System (LOS) can transform your verification of income and employment process into a one-click workflow for your loan processors:

1. Message is sent to the borrower inviting them to connect their payroll accounts.
2. Income and employment data and documents are retrieved by Argyle.
3. Borrower information is transferred to and can be accessed through your LOS.

This guide walks you through the implementation:

<img alt="Image showing how Loan Origination Systems integrate with Argyle." />

## Invite template setup

You can brand and individually personalize the template message, landing page, and payroll connection experience for borrowers using either:

* The Argyle API `code`
* Console `no-code`

Additional flows in Link can be added through Console. For example, a [document upload](/workflows/document-processing) flow can serve as an alternative income and employment verification option for borrowers that are unable to locate or connect their payroll accounts.

Invite messages can be sent via Console or the API as an email, SMS, or both. The invite messages will contain the URL link borrowers can click to begin connecting payroll accounts through Argyle.

## Stay notified

Once an applicant has successfully connected their payroll accounts, Argyle will begin retrieving their income and employment data and documents.

You can choose to receive notifications to keep track of where applicants are in their account connection process and the status of data delivery. Argyle uses webhooks to deliver these notifications, which can be subscribed to through Console or the API.

We recommend subscribing to the `users.fully_synced` webhook to be notified when an applicant has successfully connected their payroll accounts and their data is fully available.

If you added a document upload flow to the connection process, subscribing to the `user_documents.submitted` webhook will inform you when the applicant uploads employment documents.

## Retrieve the data

Once an applicant's data has been retrieved, it can be accessed entirely through either:

* The Argyle API `code`
* Console `no-code`

You can fully automate transferring the applicant's information to your LOS by waiting for the `users.fully_synced` webhook to be delivered and then fetching and passing the data from the Argyle API.

## Essential data fields

| Data fields                                                                                                                            | Type                     | Console Location             | API Location                 |
| -------------------------------------------------------------------------------------------------------------------------------------- | ------------------------ | ---------------------------- | ---------------------------- |
| (PDF) Income & Employment Verification (VOIE) Report <br /> **Income totals:** gross, base, overtime, commission, bonus, net, taxes    | Summary information      | Reports                      | Reports                      |
| (PDF) Employment Verification (VOE) Report                                                                                             | Summary information      | Reports                      | Reports                      |
| Time account was last updated                                                                                                          | Account information      | Header                       | Accounts                     |
| First name, last name, SSN, birth date, address, marital status                                                                        | Profile information      | Identities                   | Identities                   |
| Employer, employment status, job title, hire date, termination date                                                                    | Employment information   | Identities                   | Identities                   |
| Employer address                                                                                                                       | Employment information   | Paystubs                     | Paystubs                     |
| Last payout date (from the most recent paystub)                                                                                        | Income information       | Paystubs                     | Paystubs                     |
| (Retrieved files and data) <br /> — W-2s, 1099s, paystubs, proof of identity, proof of address, and miscellaneous documents            | Document information     | Paystubs + Payroll Documents | Paystubs + Payroll Documents |
| (Uploaded files and Ocrolus OCR data) <br /> — W-2s, 1099s, paystubs, proof of identity, proof of address, and miscellaneous documents | Document information     | Uploaded Documents           | User Uploads                 |


# 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`
   * `Argyle Partner Client ID`
   * `Argyle Flow ID` — Determines the borrower's payroll connection experience.
   * `Argyle Experience ID` — Determines the borrower's banking connection experience.
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/v1726586839/docs-2024/voie-example.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/v1749584607/docs-2025/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

Connect borrowers through Argyle to unlock payroll data and documents.

<br />

<img alt="Point of sale POS systems integrate with Argyle." />

## Overview

Adding Argyle to your Point of Sale (POS) system lets borrowers connect their payroll accounts by simply providing their login credentials. Argyle then retrieves the borrowers' payroll data and documents, standardizes the data into 160+ unique fields, and makes the data and documents available through Argyle's data platform.

Every paystub and payroll platform is distinct, and locating documents can often take borrowers weeks if not months to find. Argyle's real-time data sourced directly from borrowers' payroll accounts saves you time and effort in:

* **Pre-qualifying borrowers** with up-to-date income information.

* **Streamlining the application process**, unlocking the ability to pre-populate your forms to minimize input error and speed up the conversion process.

* **Post-application verification**, allowing you to confirm income and employment information the borrower has submitted, and re-verify borrower information when necessary.

* **Upgrading your LOS system**, letting your loan processors retrieve data and documents quickly and easily.

## Adding Argyle to your POS

<img alt="Borrowers can enter Link from your loan application to connect their payroll accounts, and return to the application after the accounts are connected." />

Argyle can be embedded directly into your POS system, so borrowers can connect their payroll accounts all from within your website or application.

Using Console, you can brand and customize the payroll connection experience, add additional features such as document upload, and check the connection status of each borrower.

Once a borrower has successfully connected their payroll accounts through Argyle, our [callback functions](/link/reference/callbacks) let you automate transitioning the borrower back to your POS system.

## Retrieving data and documents

Payroll data and documents can be accessed through either:

* The Argyle API `code`
* Console `no-code`

Data and documents can also be sent directly to your Loan Origination System (LOS).

## Verification reports

Using real-time payroll data, you can generate the following verification reports using Console or the API:

* **Verification of Income and Employment (VOIE) reports** — (<a href="https://res.cloudinary.com/argyle-media/image/upload/v1726586839/docs-2024/voie-example.pdf">Example PDF</a>)

* **Verification of Employment (VOE) reports** — (<a href="https://res.cloudinary.com/argyle-media/image/upload/v1726586839/docs-2024/voe-example.pdf">Example PDF</a>)

## Checking connection status

If a borrower's payroll account becomes [disconnected](/workflows/reconnecting-accounts#why-accounts-disconnect), simply have the borrower [return to Link](/workflows/reconnecting-accounts) and it's a one-click process to **Reconnect** the account.

Payroll connection statuses are displayed at the top of the borrower's profile page in Console. You can also retrieve an account's `connection.status` value using Argyle's API.

<img alt="Hover over a connection in Console to see its connection status." />

## Update notifications

If a borrower's income or employment data changes, or new documents are uploaded to their payroll account, you can choose to receive notifications to be updated in real-time.

Argyle uses webhooks to deliver these notifications, which can be subscribed to and received through either:

* The Argyle API `code`
* Console `no-code`

**We recommend subscribing to the following webhooks:**

* `users.fully_synced`— Notifies you when Argyle has finished retrieving data and documents for *all* accounts connected by a borrower.
* `paystubs.added` — Notifies you when a new paystub has been added to the borrower's payroll account, and the data and file are available.
* `paystubs.partially_synced` — Can be configured with “days synced” specified to notify you when pay data is available going back a specified number of days.
* `identities.updated` — Notifies you if there is a change to the borrower's identity information, such as a new employment status.

## Essential data fields

| Data fields                                                                                                                            | Type                     | Console Location             | API Location                 |
| -------------------------------------------------------------------------------------------------------------------------------------- | ------------------------ | ---------------------------- | ---------------------------- |
| (PDF) Income & Employment Verification (VOIE) Report <br /> **Income totals:** gross, base, overtime, commission, bonus, net, taxes    | Summary information      | Reports                      | Reports                      |
| (PDF) Employment Verification (VOE) Report                                                                                             | Summary information      | Reports                      | Reports                      |
| Time account was last updated                                                                                                          | Account information      | Header                       | Accounts                     |
| First name, last name, SSN, birth date, address, marital status                                                                        | Profile information      | Identities                   | Identities                   |
| Employer, employment status, job title, hire date, termination date                                                                    | Employment information   | Identities                   | Identities                   |
| Employer address                                                                                                                       | Employment information   | Paystubs                     | Paystubs                     |
| Last payout date (from the most recent paystub)                                                                                        | Income information       | Paystubs                     | Paystubs                     |
| (Retrieved files and data) <br /> — W-2s, 1099s, paystubs, proof of identity, proof of address, and miscellaneous documents            | Document information     | Paystubs + Payroll Documents | Paystubs + Payroll Documents |
| (Uploaded files and Ocrolus OCR data) <br /> — W-2s, 1099s, paystubs, proof of identity, proof of address, and miscellaneous documents | Document information     | Uploaded Documents           | User Uploads                 |


# 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)                                        |
| Banking verification session | Session `link` passed as `connectURL` | Banking SDK                                                                            |

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 verification implementations, create a session via [`POST /v2/sessions`](/api-reference/verifications/create-a-session). The response includes a `link` URL. For payroll sessions, pass that URL as `connectUrl` in an embedded Link SDK initialization, or launch it directly as Hosted Link. For banking sessions, pass the URL via the [banking SDK](/api-reference/verifications-guide#banking) as `connectURL`.

<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`, launching Hosted Link, or launching the banking SDK.
</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`. For banking sessions, pass the session `link` as the banking SDK `connectURL` value. |
| `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](/api-reference/verifications-guide#create-a-connection-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.

## Introduction

Users connect their payroll accounts, upload documents, and manage their connections in Link.

There are several ways to direct users to Link:

* Create standalone [shareable URL's](/console/flows/shareable-urls) or [session URL's](/api-reference/verifications-guide#create-a-connection-session) that link your users to Argyle.
* Send email or text [invites](/console/flows/email-sms-templates#sending-invites) using Console or our API.
* [Embed Link](/link/initialization) on your website or in your iOS, Android, React Native, or Flutter applications.

<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 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 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



Stay informed when events in Link occur, and simplify taking additional action.

Callbacks are activated by events in Link. They return event-specific information that can help automate taking additional related action.

<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),
            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
)
```

### `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



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>

### `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



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`

### 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



Argyle periodically releases updates to its SDK's. 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



<Note>
  User tokens are required for [embedded Link initializations](/link/initialization) that use the `userToken` parameter.

  For [payroll verification workflows](/api-reference/verifications-guide) 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

* [Account reconnections](/workflows/reconnecting-accounts) without the need to re-enter login credentials
* Ability to leave and return to Link from any device
* Preventing duplicates for the same end user

<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. Save the `id` for quickly creating user tokens for returning users in the future.
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) will instead directly connect the user to the already-connected payroll account that matches the `accountId`. This lets the user skip the step of selecting "Your connections" and can streamline guiding the user to take additional 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

When to expect data after a payroll account connection.

## Timing

Initial data retrieval begins immediately when a payroll account is connected. An account is considered connected once the login credentials a user provides through Link are authenticated to the respective payroll system.

* Static information that tends to change less over time is delivered soon after a payroll connection.
* Time-dependent information that can go back a number of years is retrieved and delivered from most recent to least recent.

<Frame>
  <img alt="Fact data that is static is delivered first, and then followed by event data that can go back a number of years." />
</Frame>

<Note>
  Some types of employment, gig work for example, contain a higher number of discrete events, which can increase the total delivery time. Argyle is limited by the data retrieval speeds a particular payroll system can support.
</Note>

## Availability

Data is collected in stages after a new account is connected.

Fact data is initially used to populate fields within Argyle's [data sets](/overview/data-structure/data-sets#categories). As event data is retrieved, previously populated fields are updated and refined, and new data is added to the relevant fields that were previously empty.

<Note>
  During the initial data retrieval process, `.added` webhooks (such as the [`identities.added`](/api-reference/identities-webhooks/added) webhook) are sent only once when the first field within a data set category is populated. As new data is retrieved, `.updated` webhooks will continue to be sent while data fields within a category are refined or populated.
</Note>

Data values will continue to update until all data is retrieved and the [`users.fully_synced`](/api-reference/users-webhooks/fully-synced) webhook is sent.

## Webhooks

We recommend monitoring data delivery by subscribing [via Console](/console/management/webhooks) or [via the API](/api-guide/webhooks) to the following webhooks:

* The [`accounts.added`](/api-reference/accounts-webhooks/added) webhook is sent when a user submits login credentials through Link.
* The [`users.fully_synced`](/api-reference/users-webhooks/fully-synced) webhook is sent when all data has been fully retrieved for *every* payroll account the user connected through Link.
* The [`paystubs.partially_synced`](/api-reference/paystubs-webhooks/partially-synced) webhook is sent when paystubs going back a specified number of days have been retrieved.

Visit our [API Reference](/api-reference/users-webhooks/fully-synced) to see a full list of available webhooks and their descriptions.

### Example scenario

You subscribe to the `accounts.added`, `payouts.partially_synced`, and `users.fully_synced` webhooks, and a user connects multiple payroll accounts through Link in the same session.

* The `accounts.added` webhook is sent each time the user submits login credentials.
* The `paystubs.partially_synced` webhook is sent for each account independently, after paystubs going back a specified number of days are retrieved.
* The `users.fully_synced` webhook is sent only once after initial data retrieval has fully completed, and all data has been retrieved from every account the user connected.


# Data Security
Source: https://docs.argyle.com/overview/data-security

Protecting personal information is our top priority.

## Permissioned access

Argyle's consent-based model provides a mechanism for end users to share their payroll data with third-party entities. The payroll data is then made accessible to Argyle's customers through Argyle's Console platform or API service. Argyle retrieves a user's payroll information upon their request, using the login credentials the user provides through Argyle's Link portal.

<Note>
  Consult Argyle's [privacy notice](https://argyle.com/legal/consumers/privacy-notice/) to learn more about how Argyle manages user data and privacy. Argyle shares and retains payroll data with a user's consent for no longer than necessary to fulfill the purposes described therein.
</Note>

## Data deletion requests

Users can revoke access to their payroll accounts at any time through Link, by contacting Argyle support, or emailing us at [datadelete@argyle.com](mailto:datadelete@argyle.com). Immediately when a user revokes access to a payroll account, data from that account will no longer be retrievable using Console or the API.

## Security and compliance

<div />

### Rigorous standards

Argyle uses rigorous encryption protocols, point-of-entry controls, and takes all necessary infrastructure precautions in our commitment to data privacy and security. We continuously adapt and evolve our processes to maintain compliance with the highest security and privacy standards.

<Note>
  Consult [Security and compliance at Argyle](https://argyle.com/legal/security/) for technical details regarding Argyle's encryption tools and protocols.
</Note>

### Best practices

1. Monitor [data access permissions](/console/management/members) in Console.
2. Maintain API key security [best practices](/api-guide/overview#security).
3. Argyle periodically releases updates to its SDK's and Web plugins. These updates can include new functionalities, bug fixes, and security updates. For each new Link release, **we recommend [**upgrading**](/link/upgrade) your SDK installation as soon as possible**. Web plugins will automatically be upgraded without the need to take further action.

To stay notified of future releases:

* Subscribe to our [Changelog](https://changelog.argyle.com/).
* Track new releases on our [public Github repository](https://github.com/argyle-systems).


# Accounts
Source: https://docs.argyle.com/overview/data-structure/accounts

Every payroll connection creates a new account.

## Definition

"Accounts" represent sources of income for a user.

<Frame>
  <img alt="What accounts are in Argyle terminology." />
</Frame>

Users log in to their accounts through Link by searching through various [Items](/overview/data-structure/items) and finding the one that matches the entity that sends them payments. Once a match is found, the user enters their login credentials and connects their account.

## Standard connection process

Without any customizations, the standard payroll connection process in Link is as follows:

<Tabs>
  <Tab title="Step 1">
    The user searches from a general list of potential incomes sources. This includes employers, government entities, and payroll services.

    <Frame>
      <img alt="Search screen in Link." />
    </Frame>
  </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.

    <Frame>
      <img alt="Can't find income source screen in Link." />
    </Frame>

    <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.

    <Frame>
      <img alt="Login screen in Link." />
    </Frame>

    * 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.
  </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.

    <Frame>
      <img alt="Response form screen in Link." />
    </Frame>
  </Tab>
</Tabs>

## Connection types

A new account is created for a user in four scenarios:

* A connection is successful.
* A connection was attempted but was not successful.
* A document was manually uploaded.
* A response form was submitted if the user could not locate their source of income.

### Successful connections

An account connection is considered successful when a user submits their login credentials through Link and Argyle successfully authenticates the payroll account using the provided login credentials. Once an account is successfully connected, Argyle immediately begins [data retrieval and delivery](/overview/data-delivery).

Visit our [Workflows Guides](/workflows/reconnecting-accounts) if you need more information related to re-verifying a disconnected account, completing MFA, or allowing users to revoke access to a connected account.

### Attempted connections

A new account is created for a user if they enter their login credentials in Link and click **Connect**, but the account connection is unsuccessful. Details on why an account connection attempt was unsuccessful are shown when viewing the account via Console or the API.

### Document uploads

A new account is created for a user if they manually upload any documents in Link, even if they do not connect a payroll account. Visit our [Document Processing Guide](/workflows/document-processing) to learn how to enable document uploading in Link.

### Form submissions

A new account is created for a user if they are unable to locate their source of income in Link search, but when prompted proceed and submit a response form ([Step 4](/overview/data-structure/accounts#standard-connection-process)) asking them about their sources of income.

## Viewing user accounts

<div />

### Console

Navigate to the <a href="https://console.argyle.com/connections">Connections</a> section of Console, where attempted and successfully connected accounts are shown next to each user. Hover over an account to display more information including when data from connected accounts was most recently synced.

View individual account information by selecting an individual user.

* A **Connections** section at the top of the individual user's page will show information on each account the user has ever successfully connected. Revoked connections will disappear from the user's page in 30 days.

<Note>
  An indicator will appear if the account has become disconnected and needs to be [reconnected](/workflows/reconnecting-accounts).
</Note>

* A **Form Responses** tab will be shown in the main part of the user's page if a response form ([Step 4](/overview/data-structure/accounts#standard-connection-process)) was submitted.

### API

Use the API's [`/accounts`](/api-reference/accounts) endpoint to retrieve information for a single account connection, list all accounts, or delete an account.


# Data Sets
Source: https://docs.argyle.com/overview/data-structure/data-sets

Standardized payroll data, when every paystub and payroll system is unique.

When a payroll account is connected through Link, all available data and documents are retrieved and processed by Argyle. The information is digitized, standardized, and made accessible through Console or the API, alongside the original downloadable raw document files.

<Frame>
  <img alt="Argyle standardizes payroll data into data sets such as paystubs and payroll documents." />
</Frame>

## Categories

<div />

### Overview

Argyle organizes the data retrieved from payroll platforms into the following categories:

| Category                                                    | Description                                                            | Fields                                                                                                                                                                  |
| ----------------------------------------------------------- | ---------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [Identities](/api-reference/identities)                     | Profile and employment information.                                    | First name, last name, full name, birthdate, profile picture, employer, employment status, employment type, job title, hire date, termination date, termination reason… |
| [Paystubs](/api-reference/paystubs)                         | Line by line pay data. The digital equivalent of traditional paystubs. | Gross pay, deductions, taxes, net pay, reimbursements, hours worked, base salary, pay frequency…                                                                        |
| [Payroll Documents](/api-reference/payroll-documents)       | Metadata and PDF's of documents available on the payroll platform.     | Document type, download link, document description, W-2 and 1099 OCR data…                                                                                              |
| [Deposit Destinations](/api-reference/deposit-destinations) | Where and how pay is allocated and received.                           | Bank or card destination type, allocation type, currency…                                                                                                               |
| [Shifts](/api-reference/shifts)                             | Work shifts and hours spent on individual tasks.                       | Start time, end time, break start, break end...                                                                                                                         |
| [Gigs](/api-reference/gigs)                                 | Information specific to gig economy employments.                       | Number of tasks performed, income amounts, fees, tips…                                                                                                                  |
| [Vehicles](/api-reference/vehicles)                         | Work vehicle information.                                              | Make, model, VIN number, type, year…                                                                                                                                    |
| [Ratings](/api-reference/ratings)                           | Achievement and task details for gig employments.                      | Average rating, acceptance rate, on time rate, achievements…                                                                                                            |

<Note>
  For a full list of available fields, follow the category links above.
</Note>

## Field availability

To see if an individual Item supports certain fields within a particular data set:

* **Console** — Select an Item within the <a href="https://console.argyle.com/coverage">Coverage</a> section of Console.
* **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`.

Data may not be available for an individual field if either:

* *The payroll account does not support that field*. For example, non-gig payroll platforms usually do not have vehicle information.
* *The payroll account has no data for the user that corresponds to that field*. For example, if the payroll platform accepts profile photos but the user never uploads a photo, the picture url field of the Identities category will be empty.


# 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 multiples 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

Reports are PDF summaries of data retrieved from users' connected payroll accounts.

## Types of reports

<Frame>
  <img alt="Argyle offers verification of income and employment and verification of employment reports." />
</Frame>

### VOIE — Verification of Income & Employment

* Includes the user's employment history and yearly income totals.
* <a href="https://res.cloudinary.com/argyle-media/image/upload/v1749501632/docs-2025/voie_example_argyle.pdf">Example VOIE report</a> (PDF)

### VOE — Verification of Employment

* Includes only the user's employment history.
* Often used when re-verification of the user's income is not necessary.
* <a href="https://res.cloudinary.com/argyle-media/image/upload/v1746481161/docs-2025/voe_example.pdf">Example VOE report</a> (PDF)

<Note>
  **Day 1 Certainty®** and **AIM** eligibility services for Fannie Mae and Freddie Mac, respectively, are also available for Argyle VOIE and VOE reports. Visit our [Day 1 Certainty® and AIM guide](/integrations/d1c-aim/verifications) for more information.
</Note>

## Generating reports

<div />

### Console

1. Navigate to the <a href="https://console.argyle.com/connections">Connections</a> section of Console and click on an individual user.
2. Select "Generate report" within the **Reports** area of the user's page once all data sets have fully synced.

<Note>
  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 our [Data Delivery Guide](/overview/data-delivery) for more information on the timing of data retrieval.
</Note>

<Frame>
  <img alt="Payroll data is made available through Argyle Console, the Argyle API, or Argyle PDF reports." />
</Frame>

3. Select the type of report you want to generate when the pop-up window appears.

<Frame>
  <img alt="Select a report type." />
</Frame>

### API

1. Send a **POST** request to the API's [`/v2/reports`](/api-reference/reports#generate) endpoint

* Specify the [report type](/api-reference/reports#generate-type) in the request path — e.g. **POST** `/v2/reports/voie`

2. Include the following JSON object in the request body:
   ```json theme={}
   {
       "user": "<ID of the user>"
   }
   ```

<Note>
  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.
</Note>


# Users
Source: https://docs.argyle.com/overview/data-structure/users

Users connect their payroll accounts using Link.

## Definition

"User" is the Argyle term for someone who connects their payroll accounts through Link.

<Frame>
  <img alt="What users are in Argyle terminology." />
</Frame>

<Note>
  In most contexts "user" is interchangeable with borrower, loan applicant, or employee.
</Note>

## Connecting new users

There are three ways to direct users to Link, where they can connect their payroll accounts:

1. [Embed Link](/link/initialization) and route new users through your website or application.
2. Invite new users via text or email, using either Console's [send invites](/console/flows/email-sms-templates#sending-invites) feature or the API's [`/invites`](/api-reference/invites) endpoint.
3. Share a [direct URL](/console/flows/shareable-urls) to Argyle's payroll connection experience.

## Returning users

Argyle makes it easy to allow users to return to Link in order to:

* Connect additional payroll accounts
* Re-authorize an existing connection
* Revoke access at any time to a connected account

For more information, visit our dedicated [Reconnecting Accounts](/workflows/reconnecting-accounts) guide.

## Viewing users

<div />

### Console

Navigate to the [Connections](https://console.argyle.com/connections) section of Console. From there, you can filter all users or select individual users to display Argyle's [data sets](/overview/data-structure/data-sets) and generate [reports](/overview/data-structure/reports).

<Frame>
  <img alt="Console is an online and no-code way to retrieve payroll data using Argyle." />
</Frame>

### API

There are two API endpoints related to users:

* [`/users`](/api-reference/users) — retrieve information for a single user, or a list of users.
* [`/invites`](/api-reference/invites) — send invites or retrieve information on sent invites.

### External identifiers

External identifiers such as `Loan Applicant #319` can be attached to users.

You can search or filter users by their external identifier [via the API](/api-reference/users#list) or within the main [Connections table](https://console.argyle.com/connections) of Console, where external identifiers will also appear next to the name of individual users.

<Frame>
  <img alt="External identifiers can be used to categorize and search through users." />
</Frame>

How to add external identifiers to users:

#### Console:

* New users — use the *optional* `External id` input field when [sending invites](/console/flows/email-sms-templates#sending-invites).
  <Note>
    You can toggle `External id` to be a *required* invite field within [Console settings](https://console.argyle.com/settings/other-settings).
  </Note>

* Existing users — select an individual user within the [Connections](https://console.argyle.com/connections) section of Console, click on the three vertical dots in the upper-right, and select `Add external ID`.

#### API:

* New users — when [creating a new user](/api-reference/users#create).
* Existing users — when [updating an existing user](/api-reference/users#update).


# How Argyle Works
Source: https://docs.argyle.com/overview/how-argyle-works

Payroll connections unlock a lot of possibilities.

## Introduction

The first thing someone does when they get a new job is log in to their payroll account. Every time they plan a sick day, adjust their shift schedule, or monitor their pay and commissions, they need to log in again.

With the same login credentials, Argyle connects to the account to retrieve data and documents.

The income and employment data from the account is categorized into different [data sets](/overview/data-structure/data-sets) like identities, paystubs, and payroll documents, and made available online through Console, retrievable via our API, or restructured into PDF reports to streamline income and employment verifications.

<Frame>
  <img alt="Payroll data is made available through Argyle Console, the Argyle API, or Argyle PDF reports." />
</Frame>

## Connecting accounts

Login credential are submitted through Link, a [customizable](/console/flows/embedded-experiences) search interface where connecting all historical sources of income, whether from an employer, government entity, or third party payroll service, is as simple and fast as possible.

Link can be [embedded](/link/initialization) in your website or application, sent through an email or text [invite](/console/flows/email-sms-templates#sending-invites), or shared via a [URL hyperlink](/console/flows/shareable-urls).

<Frame>
  <img alt="Link is where payroll accounts are connected through Argyle." />
</Frame>

## Uploading documents

Link supports [directly uploading documents](/workflows/document-processing), including W-2s, 1099s, paystubs, proof of identity, proof of address, and a miscellaneous (re-namable) category of documents as well, for times when a key document is missing from a connected account. Documents can be uploaded in PDF or image format, or captured from a photo.

<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>

## Retrieving data and documents

The first step for all implementations is to <a href="https://console.argyle.com/sign-up">get started</a> in Console, your hub for learning, implementing, and operating Argyle.

From there we'll walk you through it all:

* Connecting accounts
* Viewing payroll data and documents
* Previewing the Link connection experience
* Inviting the rest of your team and managing their access permissions

<Frame>
  <img alt="Console is an online and no-code way to retrieve payroll data using Argyle." />
</Frame>

## Next steps

Explore the rest of our documentation or <a href="https://console.argyle.com/">sign in to Console</a>. We'll be there to answer any questions.


# Ongoing Refresh
Source: https://docs.argyle.com/overview/ongoing-refresh

Real-time updates, as soon as new payroll data is available.

## Continuous access

Argyle continuously retrieves any new data that is added to a user's payroll account, giving you continuous real-time data updates as soon as new information such as paystubs or payroll documents becomes available.

* Similarly to how bank account connections with third party apps need to be refreshed periodically, some payroll systems require users to re-authenticate their connections from time to time. Argyle makes [reconnections](/workflows/reconnecting-accounts) a simple one-click process that does not require re-entering login credentials.
* Argyle's platform keeps every payroll connection alive for as long as the associated payroll system allows. Once a user connects a payroll account, the connection stays alive indefinitely whenever possible.

## Ongoing refresh support

To check if a specific employer or payroll system supports ongoing refresh, check the Item's `known_limitations` using the [Items endpoint](/api-reference/items#object-known_limitations), or visit Console's Coverage tab:

<Frame>
  <img alt="You can check if an employer or payroll system supports ongoing refresh using Console or the API." />
</Frame>

## Refresh frequency

Argyle varies how often an account's data is refreshed depending on the frequency and in what order new data is added to the underlying payroll system. This allows Argyle to adhere as closely as possible to providing an accurate live data feed of the user's payroll data.

Typically an account's data is refreshed once a day. The exact frequency, rounded up to the nearest hour, can be found:

* In Console, by navigating to the <a href="https://console.argyle.com/coverage">Coverage</a> page and selecting an individual Item.
* Via the API, by checking the [`refresh_frequency`](/api-reference/items#object-features-data_retrieval-refresh_frequency) field after [retrieving an Item](/api-reference/items#retrieve) by its ID.

## Monitoring for new data

Argyle uses webhooks to notify you automatically when new data becomes available. We recommend subscribing to the [`accounts.updated`](/api-reference/accounts-webhooks/updated) webhook, which is sent after each data refresh.

## Simulating a data refresh

You can simulate in the Sandbox testing environment new data being added to a payroll account after a data refresh. Visit our [Sandbox Testing Guide](/overview/sandbox-testing#simulate-a-data-refresh) for more information.


# Sandbox Testing
Source: https://docs.argyle.com/overview/sandbox-testing

Retrieve sample data and simulate errors in the Sandbox environment.

## 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#object) 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#object) 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>


# Account Connections
Source: https://docs.argyle.com/workflows/account-connections



How users connect payroll accounts through Link.

## 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="Note on 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 connect users to a specific Item in Link, bypassing search entirely.

* The direct login method has the *highest percentage of users that successfully connect a payroll account*.
* Recommended whenever 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. You 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>

## Doc 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.
* Link is designed to be persistent, meaning users can exit Link to retrieve their authentication information, and return to Link seamlessly without their session or the MFA process being interrupted.

<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 delays completing the MFA process for too long, they may encounter the `expired_user_token` Link error. [Users tokens](/link/user-tokens) allow users to exit and return to Link without interruption, but to ensure security, user tokens expire after one hour.

To re-activate Link for the user, [create a new user token](/api-reference/user-tokens#create) 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



Uploading W-2s, 1099s, paystubs, proof of identity and address, and other documents through Link.

<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 disable payroll search and only allow document uploads">
  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.

  When this account connection flow is enabled, Link users will be directly connected to the document upload screen, bypassing the payroll account connection process.

  <Frame>
    <img alt="Select Doc upload in the search and connect tab when creating a Link flow customization." />
  </Frame>
</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")
  ```

### Additional uploads (returning users)

When document uploads are enabled, users can [return to Link](/workflows/reconnecting-accounts#returning-users-to-link) and upload additional documents or delete previously uploaded documents. Any category limits (i.e. 3 max paystubs) you set when [enabling document uploads](/workflows/document-processing#enabling-document-uploads) will persist for returning users.

<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 of Link, they can be uploaded [directly via the API](/api-reference/user-uploads#upload) by sending a `POST` request to the `/user-uploads` endpoint.

<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

Uploaded documents can be retrieved via Argyle's API through the [`/user-uploads`](/api-reference/user-uploads) endpoint. Argyle also provides [webhooks](/api-reference/user-uploads-webhooks/added) for uploaded documents and the [`onDocumentsSubmitted`](/link/reference/callbacks#ondocumentssubmitted) callback.

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

Argyle offers uploaded document processing through [Ocrolus](/integrations/ocr/ocrolus). The text within uploaded documents is scanned (OCR), and the authenticity of the document is evaluated. The results are made available to [view directly in Console](/integrations/ocr/ocrolus#console) or [retrieve via Argyle's API](/integrations/ocr/ocrolus#api).

<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



How users can easily re-authorize their payroll connections.

## Returning users to Link

<div />

### Embedded Link

If you are embedding Link within your website or application, users can be sent directly to an account by including the optional `accountId` parameter in your [Link initialization code](/link/initialization).

<Accordion title="How to retrieve an Account ID.">
  * Account ID's can be retrieved [via the API](/api-reference/accounts#list).
  * Account ID's can also be copied <a href="https://console.argyle.com/connections">from Console:</a>
    Click the three vertical dots on an account card after selecting an individual user.

  <div>
    <Frame>
      <img alt="Account IDs can be copied directly from Console." />
    </Frame>
  </div>
</Accordion>

```json theme={}
accountId: "<ID of account>"
```

If the user is sent to a disconnected account, they will only need to select **Reconnect** to re-establish the account connection, and will not need to re-enter their login credentials.

<div>
  <Frame>
    <img alt="Users can reconnect disconnected accounts in one-click without the need to resubmit login credentials." />
  </Frame>
</div>

### Invites

If the user was originally sent an invite [via Console](/console/flows/email-sms-templates#inviting-new-users) or [via the API](/api-reference/invites), the user can return to Link any time using the same URL hyperlink included in the invite, which does not expire.

<Note>
  If the original invite is lost, it can be resent to the user [through Console](/console/flows/email-sms-templates#reconnecting-existing-users) or [via the API](/api-reference/invites#resend-invite). Sending a new invite to the same user will result in duplicate users and should not be used to reconnect disconnected accounts.
</Note>

In Console, invites can be resent by hovering over the user and clicking **Resend**, or the direct hyperlink can by copied by hovering over **Sent by \[name]** and shared directly with the user.

<div>
  <Frame>
    <img alt="You can resend invites through the Connections page of Console." />
  </Frame>
</div>

Once the user returns to Link, they will be sent directly to their connections page where they can access their previous connections and take additional actions, including reconnecting a disconnected account (no login credentials required).

<div>
  <Frame>
    <img alt="The Your connections screen can be initially shown to returning users by editing your Link Flow." />
  </Frame>
</div>

### Shareable URLs

If a user originally reached Link through a [shareable URL](/console/flows/shareable-urls), the user can return to Link and access, manage, and reconnect their accounts through the same original URL hyperlink. A copy of the shareable URL associated with an individual user can be found in the <a href="https://console.argyle.com/connections">Connections</a> page of Console. See the [reconnecting users](/console/flows/shareable-urls#reconnecting-users) section of our Shareable URLs Guide for more information.

## Adjusting Link's initial screen

<Note>
  The following customization is only available for [Web](/link/initialization/web) implementations of Link.
</Note>

Returning users can be sent directly to Link's search page instead of their connections page:

1. <a href="https://console.argyle.com/flows">Create or edit</a> an existing Flow in Console.
2. Toggle OFF the **General Setting** that says: "Show *Your connections* as the initial screen for returning users."
3. Save the Flow, copy its Flow ID, and include it in your Link initialization using the `flowId` [optional initialization parameter](/link/initialization/overview#optional-initialization-parameters).

Users will still be able to access their previous connections in the upper-right of the search screen to take additional actions, including reconnecting a disconnected account (no login credentials required).

<div>
  <Frame>
    <img alt="The user can see and enter the currently connected accounts in the upper right of Link's search screen." />
  </Frame>
</div>

## Why accounts disconnect

Argyle's platform keeps every payroll connection alive for as long as the associated payroll system allows. Once a user connects a payroll account, the connection stays alive indefinitely whenever possible. This allows Argyle to continuously scan and retrieve any new data that is added to the user's payroll account, giving you [ongoing data refreshes](/overview/ongoing-refresh) as new paystubs or payroll documents become available.

<Note>
  Similarly to how bank account connections with third party apps need to be refreshed periodically, some payroll systems require users to re-authenticate their connections from time to time. If an account becomes disconnected, payroll data can still be retrieved via Console or the API, but ongoing data refreshing will be paused until the account is reconnected by the user.
</Note>

## Types of disconnections

<div />

### Re-authorization needed

Some payroll systems have automatic log-outs after a set period of time. Once Argyle scans a connected payroll system and finds the user has been logged out, both Console and the API will display an `auth_required` error in the account's details:

<div>
  <Frame>
    <img alt="An auth_required error will show in the account's error details, which can be viewed in Console by selecting the three dots within the individual user screen and selecting View account JSON." />
  </Frame>
</div>

* If a disconnection occurs, have the user [return to Link](/workflows/reconnecting-accounts).
* The user can re-establish the connection by simply selecting **Reconnect**. No need to re-submit login credentials!

<div>
  <Frame>
    <img alt="When a user returns to a connecting account in Link, one click of the Reconnect button allows them to re-authorize their account without needing to re-enter their login credentials." />
  </Frame>
</div>

<Note>
  90% of all payroll accounts require that users complete an additional [multi-factor authentication (MFA)](/workflows/account-connections#completing-mfa) step.
</Note>

### Expired credentials

Some payroll systems require users to reset their passwords periodically. When this occurs, an `expired_credentials` error will be shown in the account's details.

* When credentials expire, have the user [return to Link](/workflows/reconnecting-accounts#returning-users-to-link).
* On the account's login screen, a **Login help** button will take the user to their payroll system's platform. After the user resets their username or password, they need to return to Link and enter their updated credentials to re-establish the connection.

<div>
  <Frame>
    <img alt="Users who need to change their login credentials can find a password reset link on their account connection page." />
  </Frame>
</div>

## Simulating disconnections

When Console is in Sandbox mode, <a href="https://console.argyle.com/flows">Flows</a> provides an error testing feature that lets you simulate account disconnections.

Visit our [Sandbox Testing Guide](/overview/sandbox-testing) for more information on error testing in Console and via the API.

## Revoking access

<Note>
  Users can revoke access to their accounts at any time by emailing us at [datadelete@argyle.com](mailto:datadelete@argyle.com).
</Note>

Within Link, users are shown which payroll accounts they have previously connected. After selecting a connected account, users are always presented with an option to revoke access to the account. After revoking access, data from the payroll account will no longer be retrievable through Console or the API.

<Note>
  If an account is revoked by the user, or deleted <a href="https://console.argyle.com/connections">via Console</a> or [via the API](/api-reference/accounts#delete), and the user later connects the same payroll account in Link, a new account ID will be created that is distinct from the original revoked/deleted account.
</Note>

For more information on permissioned access and privacy, visit our [data security guide](/overview/data-security).

<div>
  <Frame>
    <img alt="Users can select Revoke Access when within Link and viewing a connected account." />
  </Frame>
</div>

## Webhooks

We recommend subscribing to the [`accounts.updated`](/api-reference/accounts-webhooks/updated) webhook to be notified when an account becomes disconnected.

<Note>
  When subscribing, make sure to set `include_resource` to `true` using the `config` parameter to always receive a payload with the updated account's details.
</Note>

To determine whether an `accounts.updated` webhook was triggered by an account disconnection:

1. Examine the `connection.status` field of the [account object](/api-reference/accounts#object) included in the webhook payload.
2. If the value of `connection.status` is `error`, and the `error_message` is either `auth_required` or `expired_credentials`, an account disconnection has occurred.

Subscribe to the [`accounts.removed`](/api-reference/accounts-webhooks/removed) webhook to be notified when a user revokes access to one of their connected accounts.