Truv for FinTechs

Truv provides fintechs with the safest and most reliable API connections to payroll accounts, enabling income & employment verification, direct deposit switching, paycheck-linked loans, earned wage access, and more.

Trusted by Industry Leaders and Innovators


Enabling FinTechs to Access Data

Industry Challenge

With a majority of fintech organizations not having internally held data, accessing consumer-permissioned data in other systems is essential. However, connections to access this data can be unreliable, unsecure, and slow.

Truv Solution

Truv empowers you to access consumer-permissioned data, specifically data that resides in payroll systems. Truv has built access to these payroll systems via direct API connections that are extremely fast and reliable.

How Truv Works

User selects their income source through either their employer or payroll provider

User signs in to enable access to their payroll account to another organization

The connection is successfully established and the data is available via API and the Truv dashboard

How the Top FinTechs are Using Truv Today

Direct Deposit Switch

Enable your consumers to instantly connect to their payroll provider and change their deposit distribution instantly, thus driving your direct deposit growth by up to 65%.

Earned Wage Access

Empower your customers to take control of their finances through on-demand access to earned, but unpaid, wages regardless of the pay cycle.

Verify Account & Routing Number

Verify a consumer’s account and routing number to facilitate automatic payments directly from their bank account.

Extend Your Consumer Base

About 20% of U.S. adults are credit invisible and can’t be evaluated using traditional credit reporting. Truv provides you with verified data to be able to do so.

Verify Applicant Identity

Confirm that the applicant’s full name, SSN, email, date of birth, and home address match what was provided.

Verify Applicant Income

To supplement a traditional credit score, verify an applicant’s income to assist with alternative credit scoring decisions.

Paycheck-Linked Loans

Incentivize applicants to pay their monthly loan balance directly from their paycheck, thus significantly reducing your amount of assumed risk.

Access Employment History Data

View job title, company name, start date, and end date for multiple jobs stored within a single payroll provider.

Verify Applicant Current Employment

Confirm that the applicant’s current employment is active.

Document Upload

To assist customers who are unable to connect to their payroll provider, Truv enables you to verify income and employment by uploading paystubs and W2 documents through our AI and machine learning algorithms.

Best-in Class Coverage

We successfully connect to payroll accounts and employers covering over 85% of working Americans.


coverage of Fortune 1000 companies


supported payroll providers


direct employer integrations with 2.3M employers

Truv is Enterprise-Ready and FCRA Compliant

Drive Growth with Truv

Let’s partner together to accomplish your business objectives

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