Income Verification
Income data you can trust
Verify income faster and more confidently with real-time bank data.
A smarter way to verify income, built for how people earn today
Verify income instantly
Turn raw data into income signals you can trust, built on insights from the Plaid Network.
Connect with confidence
Accurately assess how people earn today, from salaries to gig work.
Set your own rules
Control what counts as income by tailoring rules to adapt to your underwriting criteria.
Access real-time bank data quickly and securely
Get more applicants through the door with fast, easy account linking, instead of manual uploads.
Protect against fraud with real-time bank data that's harder to manipulate than static documents.
Always work off the latest income data without asking your customers to re-verify or repeat steps.
Access real-time bank data quickly and securely
Get more applicants through the door with fast, easy account linking, instead of manual uploads.
Protect against fraud with real-time bank data that's harder to manipulate than static documents.
Always work off the latest income data without asking your customers to re-verify or repeat steps.
Bring clarity and control to income verification
See income in context. Our models categorize deposits, identify patterns and flag irregular activity.
Get more clarity on income categories with taxonomy that spans paychecks to transfers to loan deposits.
Tailor income calculation rules to match internal policies for consistent, audit-ready numbers every time.
Bring clarity and control to income verification
See income in context. Our models categorize deposits, identify patterns and flag irregular activity.
Get more clarity on income categories with taxonomy that spans paychecks to transfers to loan deposits.
Tailor income calculation rules to match internal policies for consistent, audit-ready numbers every time.
80%
conversion for account linking
in lending flows
100%
coverage of U.S. earners
across Plaid's income solution
84%
precision in identifying
earned income
Income verification that fits your industry
Auto lending
Approve more loans faster and with less friction throughout the application process.
Explore auto solutionsConsumer lending
Help more qualified borrowers get approved with less manual review.
Discover tools for lendersHome lending
From mortgages to HELOCs, speed up underwriting with real-time income data.
See more home lending toolsProperty management
Screen tenants efficiently with reliable income data—without all the manual uploads.
See property management toolsInsurance
Assess risk and set premiums faster with a clearer view of your customers' income and financial stability.
Explore Plaid for insuranceRESOURCES
See what Plaid Income
can do for you
Your questions,
answered
Reach out if we didn’t answer yours.
What is income verification?
Income verification is the process of confirming a person’s income to help assess eligibility for loans, rentals, or other financial products.
What is digital income verification and how does it work?
Digital income verification is a way to confirm income using connected financial data instead of manual documents. It works by analyzing account activity to identify and evaluate income signals.
What are the benefits of digital income verification?
Digital income verification gives lenders a more current view of income. It uses data directly from a linked financial account rather than relying on static documents like pay stubs or W-2s, which can be outdated or easier to manipulate. It also supports faster decisions, reduces manual review, and lowers borrower friction.
What is an income verification API?
An income verification API allows businesses to verify income directly within their own application flow. It helps automate access to income data, return structured income insights, and reduce the need for manual document uploads or review.
How do I integrate income verification into my lending flow?
Income verification can be integrated directly into a lending flow through an API. Plaid helps lenders embed account linking and income verification into the application experience.
How does Plaid verify income?
With Plaid, borrowers can connect their financial account during the application, giving lenders permissioned access to the data needed to verify income. Plaid then returns structured income insights, reducing the need for manual documents.
How does Plaid categorize raw deposit activity into different income types?
Plaid categorizes raw deposit activity by grouping related deposits into income streams and analyzing how they behave over time. Plaid then classifies those streams into income types based on patterns like frequency, amount changes, and overall earning activity.
