📘
This guide follows the recommended user flow discussed in the scoping phase and outlined here:

alt name

Invite borrowers to allocate part of their monthly paycheck to pay down your loan while lowering your default risk at the same time.

We typically see lenders implementing this solution in a two-step flow:

VOIE - verify an applicant's income and employment.
Paycheck linking - after making a loan decision and having the user accept loan terms, add a regular pay allocation.

We suggest integrating Argyle in two phases:

Scoping - determine how you want to use Argyle and how to present the Argyle experience to your users.
Technical implementation (this guide) - a guide to get you started and running.

VOIE

Step 1: Upload your logo

You can upload your logo under the Company details tab in your Settings menu via Argyle Console.

Step 2: Set up DDS configuration

Set up your direct deposit switching (DDS) configuration.
Encrypt it.
Plug it into your Argyle Link configuration.

For paycheck-linked lending, Argyle suggests the following DDS configuration:

{
    "bank_account": {
        "bank_name": "YellowHorizon",
        "routing_number": "084101234",
        "account_number": "9483746361234",
        "account_type": "checking"
    },
    "amount_allocation": {
        "value": "177",
        "min_value": "177",
        "max_value": "177"
    }
}

The values in the amount_allocation object ensure that the users see a single $177 allocation and are not able to edit the value. $177 is just a placeholder amount here — insert the monthly installment amount based on the loan terms of your users.

📘
The DDS configuration above only works with employers that support amount allocations. Some employers only support percent allocations—they are not shown to users if you use the DDS configuration above. If you want to surface these employers to your users, you have to use the percent_allocation parameter. Please, refer to our direct deposit switching guide for more information.

If you want to customize your DDS configuration further, please refer to our direct deposit switching guide. Refer also to Customizing Argyle Link for all customizable UI elements.

Step 3: Encrypt a DDS configuration

The encryption is necessary to ensure that bank account and card details are never exposed on the front-end. To encrypt your DDS configuration, make a POST request to:

<https://api-sandbox.argyle.com/v1/pay-distribution-configs/encrypt> if testing in the sandbox environment;
<https://api.argyle.com/v1/pay-distribution-configs/encrypt> if working with accounts in the production environment.

With your payload as the DDS configuration:

//POST https://api-sandbox.argyle.com/v1/pay-distribution-configs/encrypt

//body:
{
    "bank_account": {
        "bank_name": "YellowHorizon",
        "routing_number": "084101234",
        "account_number": "9483746361234",
        "account_type": "checking"
    },
    "amount_allocation": {
        "value": "177",
        "min_value": "177",
        "max_value": "177"
    }
}

You will see a response that contains the encrypted version of your config, similar to the following:

{
    "encrypted_config": "CiQAB/5leR8apwI6icBQ6w7TsNOYoYNpAUBP4/fpP48Pij6Z+OYSvQIAfV+QlVQKWPoQPVeMf1wqovnIZprUQrmn/3TTAw3LH3MXphOd/610Hy36Tgv0oig9Q/xMxLMQWGThV9TaXBWw0ucowHjETRaQVynM78W/IQ5eVn+Xn7OqL5Imz36XbzNd+O1Xtor+ZE5hhXzH+CR0uo1bq5dsxCks9p8z5PLZIXgZCJr4v9ximsUAbT1WFiclPSai4MjL3zkMto1Ss0teSYUBKdgBWn/mgAGsV/As6tRVKT3Hyhhy7LWGyvySmTxe8ALAVv21nx+R76i+ddVoxrmgVn0slTrVBz5P4w/9pSD/6fH5HnKQc7g44qJtnORdqujbcdSaK1H5RgqTLld0DUX+ujrxHZE+FP1mo0Ziq80H5HlGgjsjA+JWEif/gItT+Ada8ckS2/IOMJPE8vbK2jQYlCj+mlj2uQF5yg=="
}

This encrypted DDS configuration will be used as the payDistributionConfig to initialize Link, as described in the next step.

Step 4: Configure Link

Below is an example configuration for initializing Argyle Link with DDS enabled for paycheck-linked lending purposes.

Link configuration

<!DOCTYPE html>
<html>

<head>
    <meta charset="utf-8" />
</head>

<body>
    <script src="https://plugin.argyle.com/argyle.web.v3.js"></script>
    <script type="text/javascript">
        const argyle = Argyle.create({
        linkKey: 'YOUR_LINK_KEY', // insert your Link key here. It can be found in the Argyle Console.
        apiHost: 'https://api-sandbox.argyle.com/v1', // sandbox environment is used in this example. Change to production environment before launching.
        payDistributionUpdateFlow: false, // this step is to connect account for VOIE. Set this to true when returning a user to confirm pay allocation
          payDistributionConfig: /* your encrypted DDS configuration */ "CiQAB/5leR8apwI6icBQ6w7TsNOYoYNpAUBP4/fpP48Pij6Z+OYSvQIAfV+QlVQKWPoQPVeMf1wqovnIZprUQrmn/3TTAw3LH3MXphOd/610Hy36Tgv0oig9Q/xMxLMQWGThV9TaXBWw0ucowHjETRaQVynM78W/IQ5eVn+Xn7OqL5Imz36XbzNd+O1Xtor+ZE5hhXzH+CR0uo1bq5dsxCks9p8z5PLZIXgZCJr4v9ximsUAbT1WFiclPSai4MjL3zkMto1Ss0teSYUBKdgBWn/mgAGsV/As6tRVKT3Hyhhy7LWGyvySmTxe8ALAVv21nx+R76i+ddVoxrmgVn0slTrVBz5P4w/9pSD/6fH5HnKQc7g44qJtnORdqujbcdSaK1H5RgqTLld0DUX+ujrxHZE+FP1mo0Ziq80H5HlGgjsjA+JWEif/gItT+Ada8ckS2/IOMJPE8vbK2jQYlCj+mlj2uQF5yg==",
          onAccountConnected: ({ accountId, userId, linkItemId }) => {
          console.log('Account connected: ', accountId, ' User ID:', userId, ' Link Item ID:', linkItemId) // save the accountId and linkItemId
        }, // save the accountId and linkItemId
        onUserCreated: ({ userId, userToken }) => {
          console.log('User created: ', userId, 'User token:', userToken)
        } // save the userId and userToken
      })
      argyle.open()
    </script>
</body>

</html>

class ViewController: UIViewController {

 override func viewDidLoad() {
    let PD_CONFIG = "CiQAB/5leR8apwI6icBQ6w7TsNOYoYNpAUBP4/fpP48Pij6Z+OYSvQIAfV+QlVQKWPoQPVeMf1wqovnIZprUQrmn/3TTAw3LH3MXphOd/610Hy36Tgv0oig9Q/xMxLMQWGThV9TaXBWw0ucowHjETRaQVynM78W/IQ5eVn+Xn7OqL5Imz36XbzNd+O1Xtor+ZE5hhXzH+CR0uo1bq5dsxCks9p8z5PLZIXgZCJr4v9ximsUAbT1WFiclPSai4MjL3zkMto1Ss0teSYUBKdgBWn/mgAGsV/As6tRVKT3Hyhhy7LWGyvySmTxe8ALAVv21nx+R76i+ddVoxrmgVn0slTrVBz5P4w/9pSD/6fH5HnKQc7g44qJtnORdqujbcdSaK1H5RgqTLld0DUX+ujrxHZE+FP1mo0Ziq80H5HlGgjsjA+JWEif/gItT+Ada8ckS2/IOMJPE8vbK2jQYlCj+mlj2uQF5yg==" // your encrypted pay distribution config
    _ = Argyle.shared
        .loginWith(
            linkKey: "YOUR_LINK_KEY", // insert your Link key here. It can be found in the Argyle Console.
            apiHost: "https://api-sandbox.argyle.com/v1") // sandbox environment is used in this example. Change to production environment before launching.
        .linkItems([]) // add Link item IDs (e.g. "Starbox") if you want to constrain the Link item list in the search screen.
        .payDistributionUpdateFlow(false) // this step is to connect account for VOIE. Set this to true when returning a user to confirm pay allocation
        .payDistributionConfig(PD_CONFIG) 
        .resultListener(self)
    }

  @IBAction func argyleNewUser(_ sender: Any) {
    let argyle = Argyle.shared.controller
    argyle.modalPresentationStyle = .fullScreen
    self.present(argyle, animated: true, completion: nil)
  }
}

extension ViewController: ArgyleResultListener {

    func onUserCreated(token: String, userId: String) {
        print("APP: onUserCreated((token: \(token), userId: \(userId))")
        // save user token and userId
    }

    func onAccountConnected(accountId: String, userId: String, linkItemId: String) {
        print("APP: onAccountConnected(accountId: \(accountId), userId: \(userId), linkItemId: \(linkItemId))")
        // save accountId and linkItemId
    }
    // rest of callbacks (all callbacks must be implemented)
}

val PD_CONFIG = "CiQAB/5leR8apwI6icBQ6w7TsNOYoYNpAUBP4/fpP48Pij6Z+OYSvQIAfV+QlVQKWPoQPVeMf1wqovnIZprUQrmn/3TTAw3LH3MXphOd/610Hy36Tgv0oig9Q/xMxLMQWGThV9TaXBWw0ucowHjETRaQVynM78W/IQ5eVn+Xn7OqL5Imz36XbzNd+O1Xtor+ZE5hhXzH+CR0uo1bq5dsxCks9p8z5PLZIXgZCJr4v9ximsUAbT1WFiclPSai4MjL3zkMto1Ss0teSYUBKdgBWn/mgAGsV/As6tRVKT3Hyhhy7LWGyvySmTxe8ALAVv21nx+R76i+ddVoxrmgVn0slTrVBz5P4w/9pSD/6fH5HnKQc7g44qJtnORdqujbcdSaK1H5RgqTLld0DUX+ujrxHZE+FP1mo0Ziq80H5HlGgjsjA+JWEif/gItT+Ada8ckS2/IOMJPE8vbK2jQYlCj+mlj2uQF5yg==" // your encrypted pay distribution config

val config = ArgyleConfig.Builder()
    .loginWith(
        "YOUR_LINK_KEY", // insert your Link key here. It can be found in the Argyle Console. 
        "https://api-sandbox.argyle.com/v1", // sandbox environment is used in this example. Change to production environment before launching.
        "")
    .linkItems(arrayOf("")) // add Link item IDs (e.g. "Starbox") if you want to constrain the Link item list in the search screen.
    .payDistributionConfig(PD_CONFIG)
    .payDistributionUpdateFlow(false) // this step is to connect account for VOIE. Set this to true when returning a user to confirm pay allocation
    .setCallbackListener(object : Argyle.ArgyleResultListener {

        override fun onUserCreated(userToken: String, userId: String) {
            // save userToken and userId 
            Log.d("Result", "onUserCreated:  userId: $userId, userToken: $userToken")
        }

        override fun onAccountConnected(accountId: String, userId: String, linkItemId: String) {
            // save accountId and linkItemId
            Log.d("Result", "onAccountConnected: accountId: $accountId, userId: $userId, linkItemId: $linkItemId")
        }
        // more callbacks available
    })
    .build()

Argyle.instance.init(config)
Argyle.instance.startSDK(this)

import ArgyleSdk from '@argyleio/argyle-plugin-react-native'

const PD_CONFIG = 'CiQAB/5leR8apwI6icBQ6w7TsNOYoYNpAUBP4/fpP48Pij6Z+OYSvQIAfV+QlVQKWPoQPVeMf1wqovnIZprUQrmn/3TTAw3LH3MXphOd/610Hy36Tgv0oig9Q/xMxLMQWGThV9TaXBWw0ucowHjETRaQVynM78W/IQ5eVn+Xn7OqL5Imz36XbzNd+O1Xtor+ZE5hhXzH+CR0uo1bq5dsxCks9p8z5PLZIXgZCJr4v9ximsUAbT1WFiclPSai4MjL3zkMto1Ss0teSYUBKdgBWn/mgAGsV/As6tRVKT3Hyhhy7LWGyvySmTxe8ALAVv21nx+R76i+ddVoxrmgVn0slTrVBz5P4w/9pSD/6fH5HnKQc7g44qJtnORdqujbcdSaK1H5RgqTLld0DUX+ujrxHZE+FP1mo0Ziq80H5HlGgjsjA+JWEif/gItT+Ada8ckS2/IOMJPE8vbK2jQYlCj+mlj2uQF5yg==' // your encrypted pay distribution config

// Configure the SDK before hand, once. only call ArgyleSdk.start() when the UI is needed
ArgyleSdk.loginWith(
    "YOUR_LINK_KEY", // insert your Link key here. It can be found in the Argyle Console. 
    "https://api-sandbox.argyle.com/v1", // sandbox environment is used in this example. Change to production environment before launching.
    "")
ArgyleSdk.payDistributionConfig(PD_CONFIG)
ArgyleSdk.payDistributionUpdateFlow(false) // this step is to connect account for VOIE. Set this to true when returning a user to confirm pay allocation

ArgyleSdk.onUserCreated(res => console.log("onUserCreated", res)) // save userToken and userId 
ArgyleSdk.onAccountConnected(res => console.log("onAccountConnected", res)) // save accountId and linkItemId
// more callbacks available

ArgyleSdk.linkItems([])  // add Link item IDs (e.g. "Starbox") if you want to constrain the Link item list in the search screen.

// Launch the SDK
ArgyleSdk.start()

Notice the apiHost configuration parameter in the example code pointing to <https://api-sandbox.argyle.com/v1>. This ensures that the plugin starts in a Sandbox environment where you can use the Sandbox credentials below to test Argyle Link.

Save these four values for later:

accountId- the onAccountConnectedcallback passes the accountId when an employment account is successfully connected.
linkItemId - the same callback passes linkItemId, which will be required later to deep link a user into the pay allocation confirmation screen.
userId- the onUserCreated callback passes the userId when a user is created. The userId connects all accountIds in the case where a user has more than one employer (e.g. two part-time jobs).
userToken - the onUserCreated callback passes userToken when a user is created.
- The userToken lets you to manage the returning user experience in Argyle Link, including allowing users to revoke access to their accounts or connect additional accounts.
- The userToken is short-lived, and should be generated using the API every time you initialize Argyle Link for a returning user.
- The userToken ensures a user’s permissions are scoped to the same user’s data.

User tokens

The user token is a necessary tool to create a seamless returning user experience and prevent duplicate account connections. User tokens are temporary access keys that allow you to take users to the correct spot within the Argyle flow. Whenever you need a user to return to Argyle Link, you have to utilize user tokens in the Link configuration.

Recommended user tokens flow for returning users:

Create a new user token by calling the /user-tokens endpoint with their userId.
Provide the userToken in your Argyle Link initialization. Make sure user tokens are requested on your server-side and your client_id and client_secret are never exposed on the front-end.

Link initialization for a returning user

<!DOCTYPE html>
<html>

<head>
    <meta charset="utf-8" />
</head>

<body>
    <script src="https://plugin.argyle.com/argyle.web.v3.js"></script>
    <script type="text/javascript">
        const argyle = Argyle.create({
        linkKey: 'YOUR_LINK_KEY', // insert your Link key here. It can be found in the Argyle Console.
        apiHost: 'https://api-sandbox.argyle.com/v1', // sandbox environment is used in this example. Change to production environment before launching.
        userToken: 'USER_TOKEN', // insert the new user token here
      })
      argyle.open()
    </script>
</body>

</html>

_ = Argyle.shared
    .loginWith(
        linkKey: "YOUR_LINK_KEY", // insert your Link key here. It can be found in the Argyle Console.
        apiHost: "https://api-sandbox.argyle.com/v1") // sandbox environment is used in this example. Change to production environment before launching.
    .resultListener(self)

let argyle = Argyle.shared.updateToken("USER_TOKEN").controller // insert the new user token here
argyle.modalPresentationStyle = .fullScreen
self.present(argyle, animated: true, completion: nil)

val config = ArgyleConfig.Builder()
    .loginWith(
        "YOUR_LINK_KEY", // insert your Link key here. It can be found in the Argyle Console.
        "https://api-sandbox.argyle.com/v1", // sandbox environment is used in this example. Change to production environment before launching.
        "USER_TOKEN") // insert the new user token here
    .setCallbackListener(object : Argyle.ArgyleResultListener {

        override fun onUserCreated(userToken: String, userId: String) {
            // save userId and userToken
            Log.d("Result", "onUserCreated:  userId: $userId, userToken: $userToken")
        }
    })
    .build()

Argyle.instance.init(config)
Argyle.instance.startSDK(this)

import ArgyleSdk from '@argyleio/argyle-plugin-react-native'

ArgyleSdk.loginWith(
    "YOUR_LINK_KEY", // insert your Link key here. It can be found in the Argyle Console.
    "https://api-sandbox.argyle.com/v1", // sandbox environment is used in this example. Change to production environment before launching.
    "USER_TOKEN") // insert the new user token here

ArgyleSdk.start()

Step 5: Connect test accounts

Connect test account and update direct deposit

To test the workflow, you will need to initialize Link with the configuration discussed in the previous step.

Within the Sandbox environment, Argyle provides two slightly different data sets:

Rideshare/Delivery — if you select a gig company like Uber or Doordash, the data has more activity information (duration, distance, etc).
General — if you select any other company or payroll platform, the data reflects traditional employment records.

When running in a Sandbox environment, you can connect work accounts with the provided sandbox credentials only:

	Bob	Sarah	Joe
Email	[email protected]	[email protected]	[email protected]
Username	test_1	test_2	test_3
Password	passgood	passgood	passgood
Verification code	8081	8082	8083
Phone number	(800) 900-0001	(800) 900-0002	(800) 900-0003
Driver's license	D1230001	D1230002	D1230003

Make sure to select the appropriate credentials item. For example, Walmart requires username and password, while Uber requires email and password.

If you are subscribed to webhooks, they are trigged on successfully connecting an account and updating the pay allocation.

Step 6: Check account sync status

It takes some time for Argyle to retrieve the employment information after the users connect their accounts. The average sync times are based on the length of employment:

data scan times

If you want to have all the employment information before proceeding, query the account object via the Argyle API with your user’s accountId saved previously:

GET https://api-sandbox.argyle.com/v1/accounts/<accountId>

# insert your user’s accountId in the request.
# this example uses the sandbox environment. Don't forget to switch to the production environment if you are testing in production.

Here is an example response:

{
    "id": "ac81e2bc-2157-4535-8ca4-fb1f068df1fc",
    "user": "53fe928d-9c6a-460b-b5ac-19d67304d106",
    "employers": [
        "homedepot"
    ],
    "link_item": "homedepot",
    "source": "workday",
    "created_at": "2019-11-27T15:55:56.771322Z",
    "updated_at": "2019-11-29T08:37:42.164522Z",
    "connection": {
        "status": "connected",
        "error_code": null,
        "error_message": null,
        "updated_at": "2019-11-29T08:37:42.112859"
    },
    "pay_distribution": {
        "status": "success",
        "error": null,
        "error_message": null,
        "updated_at": "2019-11-29T08:37:42.164522Z"
    },
    "availability": {
        "profiles": {
            "status": "synced",
            "updated_at": "2019-11-29T08:37:42.164522Z"
        },
        "employments": {
            "status": "synced",
            "updated_at": "2019-11-29T08:37:42.164522Z"
        },
        "reputations": {
            "status": "synced",
            "updated_at": "2019-11-29T08:37:42.164522Z"
        },
        "documents": {
            "status": "synced",
            "updated_at": "2019-11-29T08:37:42.164522Z"
        },
        "vehicles": {
            "status": "synced",
            "updated_at": "2019-11-29T08:37:42.164522Z"
        },
        "pay_allocations": {
            "status": "synced",
            "updated_at": "2019-11-29T08:37:42.164522Z"
        },
        "payouts": {
            "status": "synced",
            "updated_at": "2019-11-29T08:37:42.164522Z",
            "available_count": 3,
            "available_from": "2019-10-30T00:00:00Z",
            "available_to": "2018-11-27T00:00:00Z"
        },
        "activities": {
            "status": "synced",
            "updated_at": "2019-11-29T08:37:42.164522Z",
            "available_count": 146,
            "available_to": "2019-11-29T08:37:42.164522Z",
            "available_from": "2018-12-15T20:40:50.399677Z"
        }
    }
}

availability shows the progress of the employment information synchronization.
availability.profiles.status, availability.employments.status, and availability.payouts.status should be synced to make sure all the data was retrieved.

It takes some time for Argyle to retrieve the employment information after the users connect their accounts. The average sync times are based on the length of employment:

Step 7: Retrieve employment information

For employment verification, fetch the following fields from the employments endpoint:

hire_datetime
status
job_title

Submit a GET request to the Argyle API:

GET https://api-sandbox.argyle.com/v1/employments?account=<accountId>

# insert your user's accountId in the request.
# this example uses the sandbox environment. Don't forget to switch to the production environment if you are testing in production.

Here is an example response:

{
    "id": "857b4aad-1a55-4200-84f7-311cd3dc3432",
    "account": "021a1749-6973-4e47-a82a-307008ca88cc",
    "employer": "walmart",
    "created_at": "2020-10-27T17:29:08.724441Z",
    "updated_at": "2020-10-27T17:29:08.724520Z",
    "status": "active",
    "type": "part-time",
    "job_title": "cashier",
    "hire_datetime": "2018-10-27T17:29:08.724441Z",
    "termination_datetime": null,
    "termination_reason": null,
    "base_pay": {
        "amount": 36400,
        "period": "annual",
        "currency": "USD"
    },
    "pay_cycle": "monthly",
    "platform_ids": {
        "employee_id": "47FJ06ON8",
        "position_id": "INA609028",
        "platform_user_id": "H3WTY0FHMQ24ERDN"
    },
    "metadata": {}
}

For income verification, fetch the following fields from the payouts endpoint:

gross_pay
net_pay
taxes
deductions

A payout object represents a single paystub. You will want to retrieve all the payout objects for a relevant timeframe. Submit a GET request to the Argyle API:

GET https://api-sandbox.argyle.com/v1/payouts?account=<accountId>&from_start_date=2020-01-01&to_start_date=2021-01-01

# insert your user's accountId in the request.
# insert relevant dates for the from_start_date and to_start_date parameters.
# this example uses the sandbox environment. Don't forget to switch to the production environment if you are testing in production.

In this example request, the number of payouts (paystubs) is limited to the 20-21’ period.

You could also retrieve the YTD income by using only the from_start_date parameter and setting it to 2021-01-01 or inserting the value programmatically to receive payouts for the last 12 months. Here is an example response of a single payout:

{
    "id": "a6b95412-e43a-4584-be9f-1dc101aa349a",
    "account": "f8bf3e18-09ba-428c-b197-6798f1b2b834",
    "document_id": "97f21592-b6b6-352a-91d7-e221bf0dd6e9",
    "employer": "walmart",
    "status": "completed",
    "type": "direct_deposit",
    "payout_date": "2020-04-22T00:00:00Z",
    "payout_period": {
        "start_date": "2019-12-28T00:00:00Z",
        "end_date": "2020-01-10T00:00:00Z"
    },
    "currency": "USD",
    "gross_pay": "1730.77",
    "reimbursements": "279.87",
    "deductions": "68.68",
    "deduction_list": [
        {
            "amount": "68.68",
            "name": "Health Benefits - Pretax",
            "tax_classification": "pre_tax"
        }
    ],
    "taxes": "224.68",
    "tax_list": [
        {
            "amount": "171.28",
            "name": "Fed Withholdng",
            "type": "federal"
        },
        {
            "amount": "53.40",
            "name": "Fed OASDI/EE",
            "type": "fica"
        }
    ],
    "fees": null,
    "net_pay": "1717.28",
    "bonuses": "0.00",
    "commission": "0.00",
    "overtime": "0.00",
    "hours": "80.00",
    "employer_address": {
        "line1": "4 Jackson St",
        "line2": "Apt C",
        "city": "Norton",
        "state": "MA",
        "postal_code": "27660",
        "country": "US"
    },
    "filing_status": [
        {
            "type": "federal",
            "location": null,
            "status": "single"
        },
        {
            "type": "state",
            "location": "MD",
            "status": "single"
        }
    ],
    "metadata": {
        "hours_breakdown": [
            {
                "hours": "80",
                "amount": "1730.77",
                "description": "Work Hours"
            }
        ]
    }
}

For additional data fields, please refer to the Argyle API reference.

Step 8: Set up webhooks

To receive regular updates on a user's accounts and direct deposit update statuses, subscribe to webhooks.

Webhooks send notifications to your system every time something occurs, for example when an account is connected, removed, or updated. Read about how Argyle clients use webhooks here.

To monitor new and existing accounts, Argyle recommends subscribing to the following webhooks:

accounts.added - sends a notification upon a user submitting their login credentials in Link.
accounts.connected - sends a notification if the submitted credentials are correct and the connection is successful.
accounts.failed - sends a notification if a problem occurs and the connection is unsuccessful. Additional information about the problem is provided in the error_code and error_message fields of the webhook payload.
accounts.removed - sends a notification when an account is removed (either by you or the user via Argyle Link).
accounts.pay_distribution_updated - sends a notification for each successfully updated pay allocation that you specify in your DDS configuration.
accounts.pay_distribution_failed - sends a notification if a problem occurs and the pay allocation is not updated successfully. Additional information about the problem is provided in the error_code and error_message fields of the webhook payload.

To monitor changes to employment records, Argyle recommends subscribing to the following webhooks:

employments.updated - sends a notification when some information in the employment changes. You are notified if a user is terminated, their base pay changes, etc.
payouts.partially_synced - when subscribing to this webhook, you can specify days_synced to be notified when a particular amount of data is available (e.g. after a month's or year's worth of payouts are available).
payouts.added - sends a notification when a new payout is added to a user's account. It helps you to continuously verify if a user is still receiving income.

📘
Consult the Webhooks reference for a complete list of available webhooks.

Step 9: Trigger a periodic scan

In the Production environment, new data for connected accounts are constantly generated and delivered to you (e.g. new payouts, activities) during periodic data scans. For testing purposes, you can trigger a periodic scan yourself to get new data for an already connected account. Please use the following endpoint:

<https://api-sandbox.argyle.com/v1/accounts/><accountId>/periodic-scan

It accepts POST requests with an empty body.

accountId has to be a Sandbox accounts.id, otherwise, an error is returned:

{
    "account": [
        "Periodic scan can be manually scheduled only for sandbox accounts."
    ]
}

Periodic scan data

A periodic scan for Sandbox accounts returns 1-5 new payouts and activities. It is possible to trigger a periodic scan as many times as you need for testing.

Step 10: Going live and scaling

When you are happy with your implementation and have run multiple tests in the Sandbox environment, you switch over to the Production environment.

Change the `apiHost`

Change the apiHost in your Link configuration from:

<https://api-sandbox.argyle.com/v1>

to:

<https://api.argyle.com/v1>

The same logic applies to any API requests that you have previously used, so:

GET <https://api-sandbox.argyle.com/v1/employments/><accountId>

changes to:

GET <https://api.argyle.com/v1/employments/><accountId>

Change the `linkKey`

Argyle Link key in the Console

The linkKey is found in the API keys section of the Console in the Link key row. Use the production Link key when moving to the Production environment.

Start slow

Many clients consider useful to connect a personal account first and execute a few experiments in the Production environment. If Argyle does not support your employer at the moment, you can create an account with a freelance platform, like Upwork, and connect that account.

Launch and scale

After testing with your personal accounts, you can test with your real users. We recommend starting with a small subset of your users to confirm that everything is working as expected. From there on, advance gradually to your full user base.

📘

VOIE

Step 1: Upload your logo

Step 2: Set up DDS configuration

📘

Step 3: Encrypt a DDS configuration

Step 4: Configure Link

Link configuration

User tokens

Link initialization for a returning user

Step 5: Connect test accounts

Step 6: Check account sync status

Step 7: Retrieve employment information

Step 8: Set up webhooks

📘

Step 9: Trigger a periodic scan

Periodic scan data

Step 10: Going live and scaling

Change the apiHost

Change the linkKey

Start slow

Launch and scale

Change the `apiHost`

Change the `linkKey`