Truv processes verification data in sequential stages. Each stage produces progressively more data. Large documents and certain formats may require longer processing times.
Processing stages
| Stage | Approximate time | Description |
|---|
login | < 10 seconds | User authentication with payroll provider |
mfa | 10–30 seconds | Payroll provider multi-factor authentication request from user |
parse | ~30 seconds | Collecting basic information about identity, employment, and list of paystubs with pay dates |
full_parse | < 45 seconds, up to 5 minutes | Downloading and parsing paystubs, W-2s, and income sources. Data processing continues in the background after successful authentication and closing Truv Bridge |
switch_deposit | ~30 seconds | Updating pay allocations and specified distributions within user account |
Processing durations are approximations and may vary.
- Login: 5 to 15 seconds
- Parse: 30 to 60 seconds (Base parsing)
- Full parse: 1 to 5 minutes
Each task has a maximum limit of 20 minutes to complete.
Data available at each stage
| Stage | Data available |
|---|
| Login | — |
| Base parse | Identity, Employment, List of paystubs with pay dates |
| Full parse | Paystubs, Parsed income, W-2s, Bank accounts |
When using VOIE endpoints, data from the base parse is available without waiting for full parse to complete. Use webhooks or the Tasks API to track progress. 
