Pinwheel
Payroll connectivity API for income/employment verification and direct deposit switching.
Our Verdict
Solid US payroll API for banks and lenders, differentiated more by partnerships than tech.
Pros
- Payroll connectivity for income and employment
- Direct deposit switching reduces churn
- Good US payroll platform coverage
- Purpose-built APIs for banks and lenders
Cons
- US-only with no international payroll
- Heavy competition from Argyle and Atomic
- Credential-based flows see user drop-off
- Pricing opaque without sales engagement
Best for: US banks and lenders focused on direct-deposit and income verification
Not for: Non-US teams or those needing non-payroll financial data sources
When to Use Pinwheel
Good fit if you need
- Consumer-permissioned payroll data for income verification
- Direct deposit switching API for neobanks and fintechs
- Employment history API for lending and insurance underwriting
- Earned wage access payroll connectivity for financial apps
- Replacing manual paystub uploads with real-time payroll data
Pricing
Price wrong?Pinwheel Pricing
- Pricing Model
- usage
- Free Tier
- No
- Entry Price
- —
- Enterprise Available
- No
- Transparency Score
- —
Beta — estimates may differ from actual pricing
1,000
1001K10K100K1M
10,000
1K10K100K1M10M
Estimated Monthly Cost
$25
Estimated Annual Cost
$300
Estimates are approximate and may not reflect current pricing. Always check the official pricing page.
Lock-in Assessment
Medium 3/5
Lock-in Score 3/5
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