Pinwheel Link Tokens API

openapi: 3.0.3
info:
  title: Pinwheel Accounts Link Tokens API
  description: Pinwheel is the API for direct deposit switching, bill switching, and income & employment verification.
  version: v2025-07-08
  contact:
    name: Support
    email: support@getpinwheel.com
    url: https://getpinwheel.com
servers:
- url: https://api.getpinwheel.com/v1
  description: production
- url: https://sandbox.getpinwheel.com/v1
  description: sandbox
- url: https://development.getpinwheel.com/v1
  description: development
security:
- apiSecret: []
tags:
- name: Link Tokens
paths:
  /link_tokens:
    post:
      tags:
      - Link Tokens
      summary: Create Link Token
      description: Create a token used to launch a Link modal.
      operationId: post_v1_link_tokens_post
      parameters:
      - name: Pinwheel-Version
        in: header
        required: true
        description: Version identifier specifying how the Pinwheel API should behave. See the Change Management page for more information.
        schema:
          enum:
          - '2025-07-08'
          - '2023-11-22'
          - '2023-07-18'
          - '2023-04-18'
          - '2022-09-09'
          - '2022-06-22'
          - '2022-03-02'
          default: '2025-07-08'
          type: string
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/LinkTokenCreate_v2025_07_08'
            examples:
              example:
                value:
                  org_name: Fintech.io
                  solution: Deposit Switch
                  features:
                  - direct_deposit_switch
                  end_user_id: my_user_12345
                  allocation:
                    type: amount
                    value: 123.45
                    targets:
                    - name: My Checking Account
                      type: checking
                      account_number: '5675249802'
                      routing_number: '193487629'
                    - name: My Savings Account
                      type: savings
                      account_number: '6675249802'
                      routing_number: '193487629'
                  employer_id: e3c3ec9e-eea5-42fc-b533-de3cea9c352f
                  end_user:
                    platform_matching:
                      social_security_number: '123456789'
                      first_name: Alicia
                      last_name: Green
                      mobile_phone_number: '1234567890'
                      home_address_zip_code: '12345'
                      date_of_birth: '2023-11-22'
        required: true
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                properties:
                  data:
                    $ref: '#/components/schemas/LinkTokenObjResponse_v2021_07_28'
                type: object
                required:
                - data
                x-tags:
                - Schemas
              examples:
                example:
                  value:
                    data:
                      id: bd2c09e7-1303-46d5-87c0-0ffa572d7ae4
                      token: eyJhbGciOiJIUz....pZ-qZZPO-mA06Dzu-nfUdurwaTUA
                      expires: '2021-01-09T02:52:26+00:00'
                      mode: production
components:
  schemas:
    BankAccountDetails:
      properties:
        name:
          type: string
          title: name
          description: Name of the bank account.
        type:
          allOf:
          - type: string
            enum:
            - checking
            - savings
          description: Bank account type, checking or savings. Required if requesting direct_deposit_switch jobs.
        routing_number:
          type: string
          maxLength: 9
          minLength: 9
          pattern: ^[0-9]*$
          title: routing_number
          description: Routing number of bank. Required if requesting direct_deposit_switch jobs.
        account_number:
          type: string
          minLength: 5
          pattern: ^[0-9]*$
          title: account_number
          description: Bank account number. Required if requesting direct_deposit_switch jobs.
      type: object
      title: BankAccountDetails
      x-tags:
      - Schemas
    LinkTokenCreate_v2025_07_08:
      properties:
        org_name:
          type: string
          maxLength: 30
          minLength: 3
          title: org_name
          description: Organization or app name that is displayed to the user.
        allocation:
          allOf:
          - $ref: '#/components/schemas/Allocation'
          title: allocation
          description: Allocation specified for the link token.
        skip_intro_screen:
          type: boolean
          title: skip_intro_screen
          description: If set to true, intro screen is not shown to user.
          default: false
        employer_id:
          type: string
          format: uuid
          title: employer_id
          description: UUID of an employer. If set, user is taken directly to Link login screen.
        disable_direct_deposit_splitting:
          type: boolean
          title: disable_direct_deposit_splitting
          description: If set to true, user will not be given the option to choose between a full or partial direct deposit switch. Only relevant with job `direct_deposit_switch`. Defaults to false.
          default: false
        platform_id:
          type: string
          format: uuid
          title: platform_id
          description: UUID of a platform. If set, user is taken directly to Link login screen.
        platform_type:
          allOf:
          - type: string
            enum:
            - payroll
            - time_and_attendance
            - tax
            - merchant
          description: The type of the platform. `payroll` platforms are used for direct-deposit switching and for Verify use cases. `time_and_attendance` platforms contain data around shifts and hours. `tax` platforms are used for tax solutions. `merchant` type platforms are used for bill switching and cancellation.
        language:
          allOf:
          - type: string
            enum:
            - en
            - es
          description: IETF code denoting which language to display in Link.
          default: en
        end_user_id:
          type: string
          maxLength: 255
          minLength: 1
          title: end_user_id
          description: User ID provided by you, to associate Pinwheel users with your user model. Required if `account_id` is not provided. This ID will be returned in all webhook events and all account-affiliated API responses. Leading and trailing whitespace will be stripped. Do not include PII in this identifier.
        account_id:
          type: string
          format: uuid
          title: account_id
          description: UUID of the payroll account.
        document_uploads:
          allOf:
          - type: string
            enum:
            - direct
            - fallback
            - disabled
          description: Optional parameter to facilitate pathway into document uploads usage. Defaults to None.
        tags:
          additionalProperties:
            type: string
          type: object
          title: tags
          description: Tags associated with the Link token. These are restricted to string key-value pairs.
        deposit_forms:
          allOf:
          - type: string
            enum:
            - direct
            - fallback
            - disabled
          description: Optional parameter to facilitate pathway into deposit forms. Defaults to fallback if deposit forms are enabled for your workspace.
        use_case:
          allOf:
          - type: string
            enum:
            - account_onboarding
            - account_servicing
            - underwriting
          description: Field to indicate where in your application Pinwheel is being launched. Required if leveraging Background Identify (PreMatch employee lookup check prior to SDK initialization).
        end_user:
          allOf:
          - $ref: '#/components/schemas/EndUser'
          title: end_user
          description: Optional field where data about an end user can be provided to enable products such as automated platform matching.
        cards:
          items:
            $ref: '#/components/schemas/CardDetails'
          type: array
          title: cards
          description: Card details needed to attempt a bill switch.
        reseller_customer_id:
          type: string
          maxLength: 40
          title: reseller_customer_id
          description: The identifier for a reseller's customer. This field is required for resellers. For other customers, a non-null value will result in a 400 error. The value supplied must be preregistered with Pinwheel's customer success team.
        solution:
          allOf:
          - type: string
            enum:
            - Verify
            - Bill Switch
            - Bill Manager
            - Paycheck Viewer
            - Switch Kit
            - Deposit Switch
          description: The Pinwheel solution to be presented to the user.
        features:
          items:
            type: string
            enum:
            - direct_deposit_allocations
            - bill_cancellation
            - direct_deposit_switch
            - paycheck_viewer
            - paystubs
            - bill_switch
            - identity
            - direct_deposit_payment
            - income
            - employment
            - tax_forms
            - shifts
          type: array
          description: A list of job types to be performed on the user's account. Platforms/merchants that do not support ALL of these jobs will not be visible to the user. This property is required unless the account_id property is set.
      type: object
      required:
      - org_name
      - solution
      title: LinkTokenPostBody
      x-tags:
      - Schemas
    EndUser:
      properties:
        platform_matching:
          allOf:
          - $ref: '#/components/schemas/LinkUserAuthenticationDataObjCreate'
          title: platform_matching
          description: User PII data for enabling partner-based switches.
      type: object
      title: EndUser
      x-tags:
      - Schemas
    LinkTokenObjResponse_v2021_07_28:
      properties:
        mode:
          allOf:
          - type: string
            enum:
            - sandbox
            - development
            - production
          description: Token mode, i.e. `sandbox`, `development`, or `production`.
        id:
          type: string
          format: uuid
          title: id
          description: UUID of the link token.
        token:
          type: string
          title: token
          description: Short-lived token that is used to initialize Pinwheel Link.
        smart_branch_url:
          type: string
          title: smart_branch_url
          description: URL that will initiate a Pinwheel-hosted smart branch experience, if smart branch is configured for the workspace.
        expires:
          type: string
          format: date-time
          title: expires
          description: The token will be invalid after this timestamp.
      type: object
      required:
      - mode
      - id
      - token
      - expires
      title: LinkToken
      x-tags:
      - Schemas
    CardDetails:
      properties:
        card_name:
          type: string
          maxLength: 30
          minLength: 2
          title: card_name
          description: Name of the card. Required if requesting `bill_switch` job.
        card_number:
          type: string
          maxLength: 19
          minLength: 8
          pattern: ^[0-9]*$
          title: card_number
          description: Card number. Required if requesting `bill_switch` job.
        cvc:
          type: string
          maxLength: 4
          minLength: 3
          title: cvc
          description: Card verification code or other security code of the card. Required if requesting `bill_switch` job.
        expiration_date:
          type: string
          format: date
          title: expiration_date
          description: Expiration date of the card in MM/YY format. Required if requesting `bill_switch` job.
        name_on_card:
          type: string
          title: name_on_card
          description: Full name displayed on the card. Required if requesting `bill_switch` job.
        card_zip_code:
          type: string
          maxLength: 5
          minLength: 5
          pattern: ^[0-9]*$
          title: card_zip_code
          description: Zip code for the card. Required if requesting `bill_switch` job.
        billing_address:
          type: string
          title: billing_address
          description: Billing address line one of the card. Required if requesting `bill_switch` job.
        billing_address_two:
          type: string
          title: billing_address_two
          description: Billing address line two of the card. Required if requesting `bill_switch` job.
        city:
          type: string
          title: city
          description: City of the card. Required if requesting `bill_switch` job.
        state:
          allOf:
          - type: string
            enum:
            - AL
            - AK
            - AZ
            - AR
            - CA
            - CO
            - CT
            - DE
            - FL
            - GA
            - HI
            - ID
            - IL
            - IN
            - IA
            - KS
            - KY
            - LA
            - ME
            - MD
            - MA
            - MI
            - MN
            - MS
            - MO
            - MT
            - NE
            - NV
            - NH
            - NJ
            - NM
            - NY
            - NC
            - ND
            - OH
            - OK
            - OR
            - PA
            - RI
            - SC
            - SD
            - TN
            - TX
            - UT
            - VT
            - VA
            - WA
            - WV
            - WI
            - WY
          description: Two letter state code of the card, e.g. `NY`. Required if requesting `bill_switch` job.
      type: object
      required:
      - card_name
      - card_number
      - expiration_date
      - name_on_card
      - card_zip_code
      title: object
      x-tags:
      - Schemas
    LinkUserAuthenticationDataObjCreate:
      properties:
        social_security_number:
          type: string
          maxLength: 9
          minLength: 9
          pattern: ^[0-9]*$
          title: social_security_number
          description: Full 9-digit social security number of the user (required). Using full SSN will improve conversion.
        social_security_number_last_four:
          type: string
          maxLength: 4
          minLength: 4
          pattern: ^[0-9]*$
          title: social_security_number_last_four
          description: Last four digits of the user's social security number. Use this field only when the full 9-digit SSN (social_security_number) is not available. Passing the full SSN yields over 20% higher match rate compared to using only the last four digits.
        date_of_birth:
          type: string
          format: date
          title: date_of_birth
          description: The user's date of birth in `YYYY-MM-DD` format (required).
        last_name:
          type: string
          title: last_name
          description: The user's last name (required).
        first_name:
          type: string
          title: first_name
          description: The user's first name (required).
        mobile_phone_number:
          type: string
          maxLength: 10
          minLength: 10
          pattern: ^[0-9]*$
          title: mobile_phone_number
          description: The users's 10-digit mobile phone number (required). Do not include country code.
        home_address_zip_code:
          type: string
          maxLength: 5
          minLength: 5
          pattern: ^[0-9]*$
          title: home_address_zip_code
          description: The user's 5-digit home zip code (required).
        email:
          type: string
          format: email
          title: email
          description: The user's email (strongly recommended). The email must have valid syntax with an @ and valid domain e.g. `name@example.com`. If provided email is invalid a 400 will be returned. For more details on validation see https://github.com/JoshData/python-email-validator.
      type: object
      title: object
      x-tags:
      - Schemas
    Allocation:
      properties:
        type:
          allOf:
          - type: string
            enum:
            - amount
          description: Type of allocation.
        value:
          type: number
          title: value
          description: Value of allocation. If type is amount, you must include a value. If type is null, the end-user will be able to select the allocation type and value. If min_amount is also specified for the allocation, must be greater than or equal to min_amount.
        min_amount:
          type: number
          title: min_amount
          description: Minimum amount for the allocation.
        targets:
          items:
            $ref: '#/components/schemas/BankAccountDetails'
          type: array
          title: targets
          description: List of allowed target accounts for an allocation.
          default: []
      type: object
      title: Allocation
      x-tags:
      - Schemas
  securitySchemes:
    apiSecret:
      type: apiKey
      in: header
      name: X-API-SECRET
      description: API Secret
    bearerAuth:
      description: Bearer token
      type: http
      scheme: bearer