> ## Documentation Index > Fetch the complete documentation index at: https://docs.argyle.com/llms.txt > Use this file to discover all available pages before exploring further. # Reports and Source Documents > View report examples and retrieve their supporting files. Source documents are the original paystubs, tax forms, and uploaded files that support a verification. This page shows report examples and how to retrieve completed reports and available source documents. Report and source-document URLs require [Argyle authentication headers](/api-guide/overview#authentication). Store and deliver these files according to your application retention requirements. ## Retrieve completed reports When a verification reaches `completed` or `completed_with_errors`, the verification resource contains: * `report.file_url` — the report PDF. * `report.json_url` — the report data in JSON format. Follow [Verification Statuses](/verifications/verification-statuses#download-reports-and-json) for the webhook and retrieval flow. ## Retrieve source documents Connected payroll accounts can include paystubs, tax forms, and other source documents. Use the [Payroll Documents](/api-reference/payroll-documents) endpoints to list or retrieve document metadata, then request the returned `file_url` with Argyle authentication headers. Documents uploaded by a user are available through [User Uploads](/api-reference/user-uploads). The upload object also provides an authenticated `file_url` for the source file. ## Example reports [PDF](https://res.cloudinary.com/argyle-media/image/upload/v1749501632/docs-2025/voie_example_argyle.pdf) Report PDF Image of Argyle's Verification of Income and Employment (VOIE) report. ```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" } ] } ``` [PDF](https://res.cloudinary.com/argyle-media/image/upload/v1783533516/docs-2026/voie-government_example_argyle.pdf) Image of Argyle's Verification of Income and Employment (Government Payroll VOIE) report. ```json theme={} { "report_id": "7a4d2fd6-9c7d-4e0d-a8d3-9e97f54d21f1", "type": "voie-government", "user_id": "f83b9d2f-0b3d-4ec9-91d4-82cf9e1c1b2a", "external_id": "GOV-2026-48291", "created_at": "2026-05-20T18:30:00.000Z", "last_synced_at": "2026-05-20T18:12:00.000Z", "metadata": {}, "reporting_period": { "days": 90, "start_date": "2026-03-09", "end_date": "2026-06-07" }, "certification": [ { "type": "report", "employment": null, "status": "certified", "completed_at": "2026-05-20T18:30:00.000Z", "user_comment": null }, { "type": "employment", "employment": "0186a27d-e5c6-735a-a359-6315b34d544c", "status": "certified", "completed_at": "2026-05-20T18:30:00.000Z", "user_comment": null } ], "employments": [ { "employment": "0186a27d-e5c6-735a-a359-6315b34d544c", "account": "018728a3-afee-5288-8e8a-c68ceb591359", "last_synced_at": "2026-05-20T18:12:00.000Z", "source": "Connected Payroll Account", "income_source_type": "w2", "certified": true, "first_name": "Bob", "last_name": "Jones", "full_name": "Bob Jones", "birth_date": "1980-12-03", "employer": "Whole Goods", "employer_address": { "line1": "7641 Cedarwood Drive", "line2": null, "city": "Lakeview", "state": "IL", "postal_code": "60712", "country": "US" }, "status": "active", "employment_type": "full-time", "job_title": "Store Manager", "base_pay": { "amount": "20.00", "currency": "USD", "period": "hourly" }, "pay_cycle": "biweekly", "start_date": "2020-08-28", "end_date": null, "last_paystub_date": "2026-06-07", "period_summary": [ { "period": { "start_date": "2026-03-09", "end_date": "2026-06-07" }, "currency": "USD", "gross_pay": "18298.28", "net_pay": "14065.93", "hours": "914.75", "mileage": null, "paystubs_count": 7, "trips_count": null } ], "monthly_summary": [ { "period": { "month": "2026-06", "start_date": "2026-06-01", "end_date": "2026-06-07", "partial_month": true }, "currency": "USD", "gross_pay": "746.67", "net_pay": "573.67", "hours": "37.33", "mileage": null, "paystubs_count": 1, "trips_count": null }, { "period": { "month": "2026-05", "start_date": "2026-05-01", "end_date": "2026-05-31", "partial_month": false }, "currency": "USD", "gross_pay": "6400.00", "net_pay": "4920.00", "hours": "320.00", "mileage": null, "paystubs_count": 2, "trips_count": null }, { "period": { "month": "2026-04", "start_date": "2026-04-01", "end_date": "2026-04-30", "partial_month": false }, "currency": "USD", "gross_pay": "6400.00", "net_pay": "4920.00", "hours": "320.00", "mileage": null, "paystubs_count": 2, "trips_count": null }, { "period": { "month": "2026-03", "start_date": "2026-03-09", "end_date": "2026-03-31", "partial_month": true }, "currency": "USD", "gross_pay": "4751.61", "net_pay": "3652.26", "hours": "237.42", "mileage": null, "paystubs_count": 2, "trips_count": null } ], "payment_details": [ { "id": "2b780d46-9337-3b15-a1a7-e7184f25f72f", "file_url": "api.argyle.com/v2/payroll-documents/{id}/file", "type": "direct_deposit", "pay_date": "2026-06-07", "pay_period": { "start_date": "2026-05-25", "end_date": "2026-06-07" }, "currency": "USD", "gross_pay": "746.67", "net_pay": "573.67", "hours": "37.33", "deductions": "91.00", "taxes": "82.00", "gross_pay_ytd": "18298.28", "gross_pay_list_totals": { "base": { "amount": "746.67", "amount_ytd": "18298.28", "hours": "37.33", "hours_ytd": "914.75", "rate_implied": "20.00", "rate_implied_ytd": "20.00" } }, "deduction_list": [ { "amount": "91.00", "name": "Benefits", "tax_classification": "pre_tax", "amount_ytd": "2281.65" } ] }, { "id": "9e2ccde6-bfeb-3d4c-8a54-b7a7ceffb2ed", "file_url": "api.argyle.com/v2/payroll-documents/{id}/file", "type": "direct_deposit", "pay_date": "2026-05-15", "pay_period": { "start_date": "2026-05-11", "end_date": "2026-05-24" }, "currency": "USD", "gross_pay": "3200.00", "net_pay": "2460.00", "hours": "160.00", "deductions": "390.00", "taxes": "350.00", "gross_pay_ytd": "17551.61", "gross_pay_list_totals": { "base": { "amount": "3200.00", "amount_ytd": "17551.61", "hours": "160.00", "hours_ytd": "877.42", "rate_implied": "20.00", "rate_implied_ytd": "20.00" } }, "deduction_list": [ { "amount": "390.00", "name": "Benefits", "tax_classification": "pre_tax", "amount_ytd": "2190.65" } ] }, { "id": "0e65759a-4026-36f2-b6bb-783a9a0693eb", "file_url": "api.argyle.com/v2/payroll-documents/{id}/file", "type": "direct_deposit", "pay_date": "2026-05-01", "pay_period": { "start_date": "2026-04-27", "end_date": "2026-05-10" }, "currency": "USD", "gross_pay": "3200.00", "net_pay": "2460.00", "hours": "160.00", "deductions": "390.00", "taxes": "350.00", "gross_pay_ytd": "14351.61", "gross_pay_list_totals": { "base": { "amount": "3200.00", "amount_ytd": "14351.61", "hours": "160.00", "hours_ytd": "717.42", "rate_implied": "20.00", "rate_implied_ytd": "20.01" } }, "deduction_list": [ { "amount": "390.00", "name": "Benefits", "tax_classification": "pre_tax", "amount_ytd": "1800.65" } ] }, { "id": "cc4f6795-c8c5-3afb-9265-29ea117a1a48", "file_url": "api.argyle.com/v2/payroll-documents/{id}/file", "type": "direct_deposit", "pay_date": "2026-04-17", "pay_period": { "start_date": "2026-03-30", "end_date": "2026-04-12" }, "currency": "USD", "gross_pay": "3200.00", "net_pay": "2460.00", "hours": "160.00", "deductions": "390.00", "taxes": "350.00", "gross_pay_ytd": "11151.61", "gross_pay_list_totals": { "base": { "amount": "3200.00", "amount_ytd": "11151.61", "hours": "160.00", "hours_ytd": "557.42", "rate_implied": "20.00", "rate_implied_ytd": "20.01" } }, "deduction_list": [ { "amount": "390.00", "name": "Benefits", "tax_classification": "pre_tax", "amount_ytd": "1410.65" } ] }, { "id": "925863dd-dd7c-3bf2-a11e-75ecf70ad1d5", "file_url": "api.argyle.com/v2/payroll-documents/{id}/file", "type": "direct_deposit", "pay_date": "2026-04-03", "pay_period": { "start_date": "2026-03-16", "end_date": "2026-03-29" }, "currency": "USD", "gross_pay": "3200.00", "net_pay": "2460.00", "hours": "160.00", "deductions": "390.00", "taxes": "350.00", "gross_pay_ytd": "7951.61", "gross_pay_list_totals": { "base": { "amount": "3200.00", "amount_ytd": "7951.61", "hours": "160.00", "hours_ytd": "397.42", "rate_implied": "20.00", "rate_implied_ytd": "20.01" } }, "deduction_list": [ { "amount": "390.00", "name": "Benefits", "tax_classification": "pre_tax", "amount_ytd": "1020.65" } ] }, { "id": "51f19b38-b4d8-3da4-a4d0-e15e1e8bb62a", "file_url": "api.argyle.com/v2/payroll-documents/{id}/file", "type": "direct_deposit", "pay_date": "2026-03-20", "pay_period": { "start_date": "2026-03-09", "end_date": "2026-03-15" }, "currency": "USD", "gross_pay": "3151.61", "net_pay": "2422.26", "hours": "157.42", "deductions": "383.65", "taxes": "345.70", "gross_pay_ytd": "4751.61", "gross_pay_list_totals": { "base": { "amount": "3151.61", "amount_ytd": "4751.61", "hours": "157.42", "hours_ytd": "237.42", "rate_implied": "20.02", "rate_implied_ytd": "20.01" } }, "deduction_list": [ { "amount": "383.65", "name": "Benefits", "tax_classification": "pre_tax", "amount_ytd": "630.65" } ] }, { "id": "f6323f0f-fdc7-327d-8d35-c24555fb76cf", "file_url": "api.argyle.com/v2/payroll-documents/{id}/file", "type": "direct_deposit", "pay_date": "2026-03-13", "pay_period": { "start_date": "2026-03-02", "end_date": "2026-03-08" }, "currency": "USD", "gross_pay": "1600.00", "net_pay": "1230.00", "hours": "80.00", "deductions": "195.00", "taxes": "175.00", "gross_pay_ytd": "1600.00", "gross_pay_list_totals": { "base": { "amount": "1600.00", "amount_ytd": "1600.00", "hours": "80.00", "hours_ytd": "80.00", "rate_implied": "20.00", "rate_implied_ytd": "20.00" } }, "deduction_list": [ { "amount": "195.00", "name": "Benefits", "tax_classification": "pre_tax", "amount_ytd": "195.00" } ] } ], "callouts": [] } ] } ``` [PDF](https://res.cloudinary.com/argyle-media/image/upload/v1746481161/docs-2025/voe_example.pdf) Report PDF Image of Argyle's Verification of Employment (VOE) report. ```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" } ] } ``` [PDF](https://res.cloudinary.com/argyle-media/image/upload/v1749582203/docs-2025/VOA_Banking_Report.pdf) Report PDF Image of Verification of Assets (VOA) banking report. ```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 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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" } ``` [PDF](https://res.cloudinary.com/argyle-media/image/upload/docs-2026/VOAI_Banking_Report.pdf) Report PDF Image of Verification of 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"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": 17238155658, "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": 17238155547, "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": 17238155521, "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" } ], "type": "checking" } ], "id": 102168, "name": "FinBank Profiles - B", "url_home_app": "http://www.finicity.com" } ], "request_id": "q2i851ti74", "requester_name": "Argyle Systems", "seasoned": true, "start_date": "2024-09-03T22:49:19.000Z", "title": "Mastercard Open Banking Verification of Assets and Income - Transactions" } ``` [PDF](https://res.cloudinary.com/argyle-media/image/upload/docs-2026/VOI_Banking_Report.pdf) Report PDF Image of Verification of Income (VOI) banking report. ```json theme={} { "id": "bdmczjhxc8vj-voi", "type": "voi", "constraints": { "accounts": null, "from_date": "2024-09-03T23:03:00.000Z", "report_custom_fields": [ { "label": "loanID", "value": "12345", "shown": true } ], "show_nsf": null, "income_stream_confidence_minimum": 50 }, "status": "success", "portfolio": "91k0ba5978h5-1-port", "errors": null, "consumer": "8859a004ff2b977a7821f74aa938950d", "consumer_ssn": "0000", "created_date": "2026-09-03T23:03:00.000Z", "user": "01a06982-222f-ed7d-a569-71dc2680660d", "customer_type": "testing", "days": 730, "dispute_statement": null, "end_date": "2026-09-03T23:03:00.000Z", "end_user": null, "request_id": "4bswvfqtuy", "requester_name": "Argyle Systems", "seasoned": true, "start_date": "2024-09-03T23:03:00.000Z", "title": "Mastercard Open Banking Verification of Income", "income": [ { "confidence_type": "HIGH", "income_estimate": { "estimated_gross_annual": 115731, "net_annual": 81703.67, "projected_gross_annual": 130005, "projected_net_annual": 89052.02, "average_monthly_net": 6808.64, "average_monthly_gross": 9644.25 }, "net_monthly": [ { "month": "2024-09-01T06:00:00.000Z", "net": 1757.44, "gross": 2159.57 }, { "month": "2024-10-01T06:00:00.000Z", "net": 6544.43, "gross": 8041.88 }, { "month": "2024-11-01T06:00:00.000Z", "net": 3620.25, "gross": 4448.62 }, { "month": 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JABERWOCKY", "memo": "PPD ID: 1234567893", "investment_transaction_type": null, "normalized_payee": null, "institution_transaction": "0000000000", "category": "Deposit", "best_representation": null } ] }, { "average_monthly_income_net": 185.31, "average_monthly_income_gross": 227.67, "cadence": { "days": 268, "start_date": "2024-09-17T12:00:00.000Z", "stop_date": "2026-03-07T12:00:00.000Z" }, "confidence": 50, "estimate_inclusion": "MODERATE", "estimated_gross_annual": 2732, "id": "bdmczjhxc8vj-voi7", "income_stream_months": 19, "name": "cash & atm", "net_annual": 2223.67, "net_monthly": [ { "month": "2024-09-01T06:00:00.000Z", "net": 2358.17, "gross": 2897.75 }, { "month": "2025-04-01T06:00:00.000Z", "net": 2358.17, "gross": 2897.75 }, { "month": "2026-03-01T07:00:00.000Z", "net": 2223.67, "gross": 2732.48 } ], "projected_gross_annual": 0, "projected_net_annual": 0, "status": "INACTIVE", "transactions": [ { "id": 17238471012, "amount": 2223.67, "posted_date": "2026-03-07T12:00:00.000Z", "description": "ATM CHECK DEPOSIT mm/dd 333 S LS", "memo": "Some St Somewhere City State", "investment_transaction_type": null, "normalized_payee": null, "institution_transaction": "0000000000", "category": "Cash & ATM", "best_representation": null }, { "id": 17238470984, "amount": 2358.17, "posted_date": "2025-04-17T12:00:00.000Z", "description": "ATM CHECK DEPOSIT mm/dd 333 S LS", "memo": "OADWAY AVE OKLAHOMA CITY OK", "investment_transaction_type": null, "normalized_payee": null, "institution_transaction": "0000000000", "category": "Cash & ATM", "best_representation": null }, { "id": 17238470955, "amount": 2358.17, "posted_date": "2024-09-17T12:00:00.000Z", "description": "ATM CHECK DEPOSIT mm/dd 333 S LS", "memo": "OADWAY AVE OKLAHOMA CITY OK", "investment_transaction_type": null, "normalized_payee": null, "institution_transaction": "0000000000", "category": "Cash & ATM", "best_representation": null } ] }, { "average_monthly_income_net": 3858, "average_monthly_income_gross": 3858, "cadence": { "days": 0, "start_date": "2025-10-06T12:00:00.000Z", "stop_date": "2025-10-06T12:00:00.000Z" }, "confidence": 100, "estimate_inclusion": "HIGH", "estimated_gross_annual": 3858, "id": "bdmczjhxc8vj-voi8", "income_stream_months": 1, "name": "internal revenue service", "net_annual": 3858, "net_monthly": [ { "month": "2025-10-01T06:00:00.000Z", "net": 3858, "gross": 3858 } ], "projected_gross_annual": 0, "projected_net_annual": 0, "status": "INACTIVE", "transactions": [ { "id": 17238470842, "amount": 3858, "posted_date": "2025-10-06T12:00:00.000Z", "description": "IRS TREAS 310 TAX REF", "memo": "PPD ID: 1234567897", "investment_transaction_type": null, "normalized_payee": null, "institution_transaction": "0000000000", "category": "Federal Tax", "best_representation": null } ] } ], "misc_deposits": [ { "amount": 400, "category": "Income", "description": "Credit Return: Online Payment 50", "id": 17238471011, "institution_transaction": "0000000000", "memo": "12345670 To Mary Greatfriend", "posted_date": "2026-08-25T12:00:00.000Z" }, { "amount": 290.16, "category": "Income", "description": "Credit Return: Online Payment 44", "id": 17238471040, "institution_transaction": "0000000000", "memo": "12345678 To Dragon Sitters", "posted_date": "2025-10-23T12:00:00.000Z" }, { "amount": 19850.17, "category": "Deposit", "description": "DEPOSIT ID NUMBER 123458", "id": 17238470874, "institution_transaction": "0000000000", "memo": null, "posted_date": "2026-01-09T12:00:00.000Z" } ], "name": "Checking", "number": "1111", "owner_address": "7195 BELMONT ST. PARLIN, NJ 08859", "owner_name": "PATRICK & LORRAINE PURCHASER", "transactions": [], "type": "checking" } ], "id": 102168, "name": "FinBank Profiles - B", "url_home_app": "http://www.finicity.com" } ] } ``` [PDF](https://res.cloudinary.com/argyle-media/image/upload/v1778709376/docs-2026/VOE_Transactions_Banking_Report.pdf) Report PDF Image of Verification of Employment (Banking VOE) banking report. ```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" } ``` [PDF](https://res.cloudinary.com/argyle-media/image/upload/v1778710602/docs-2026/Doc_VOI.pdf) Report PDF Image of Verification of Income (Doc VOI) report. ```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": [] } ] } ```