Truv
Consumer-permissioned payroll and income/employment data API for lenders and banks.
Our Verdict
Credible challenger to The Work Number for income verification, though coverage gaps still force fallback flows.
Pros
- Direct payroll connections bypass document uploads
- Faster income verification than The Work Number
- Consumer-permissioned, so privacy-friendly
- Cheaper than Equifax for lender use cases
Cons
- Coverage depends on payroll provider support
- Fallback flows still needed for gig/1099 workers
- Smaller brand than Plaid or Equifax in lending
- Some employer payroll systems reject automation
When to Use Truv
Good fit if you need
- Consumer-permissioned payroll data for mortgage lenders
- Employment and income verification via payroll API for banks
- Direct deposit switching for financial wellness apps
- Replacing VOE/VOI paper processes with API-based verification
- Real-time payroll data for underwriting and credit decisions
Pricing
Price wrong?Truv Pricing
- Pricing Model
- usage
- Free Tier
- No
- Entry Price
- —
- Enterprise Available
- No
- Transparency Score
- —
Beta — estimates may differ from actual pricing
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
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