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Truv’s Smart Login has business logic in place to present the best authentication method with the highest likelihood of success based on:
  • Employer selected
  • Historical successes
  • Payroll system compatibility

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Authentication methods

Native OAuth

In-bridge redirect to payroll provider. A Truv patented solution available across some of the largest provider integrations to increase coverage and leverage password managers.

Single Sign-On (SSO)

Leverage employee credentials to access payroll systems. Truv has integrations to 64 SSO systems, enabling customers to log in the same way they do at work.

Credential-less Login

Leverage trusted phone or email for one-time passcode. Currently supported by ADP and Paycom.

AppClip & Instant App

For employers behind VPNs: iOS uses Apple’s AppClip, Android uses Instant App. QR codes available for desktop users.

Mapped Payroll

Truv maps over 300,000 employers to payroll providers so customers don’t need to make that selection.

Unmapped Payroll

For unmapped employers, Truv recommends providers based on historical data and employer size distribution.

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Fallback options

When primary authentication paths are unavailable, Truv provides fallback options for Deposit Switch and Paycheck Linked Lending flows:
Customers can generate a prefilled, e-signed PDF with account number, routing number, and allocation information to download and send to HR.
Truv displays the customer’s account number, routing number, and bank details so they can manually enter the information in their payroll system.

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Why this matters for banking

Smart Login is particularly important for Deposit Switch and Paycheck Linked Lending because:
  • Higher conversion: Presenting the right login method first reduces drop-off during the payroll authentication step
  • Broader coverage: Multiple authentication paths mean more employers are supported, expanding your eligible customer base
  • Fallback safety net: Even if a direct connection fails, eSigned PDF and manual entry options ensure the member can still complete the flow
  • Reduced support burden: Fewer authentication failures mean fewer support tickets and better member experience

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Next steps

Direct Deposit Switch

Implement Direct Deposit Switch

Paycheck-Linked Loans

Implement Paycheck Linked Lending