# Pinwheel

**Canonical:** https://apis.io/providers/pinwheel-api/  
**Website:** https://pinwheelapi.com/  
**APIs profiled:** 12

Pinwheel is an employment and income data platform that connects banks, fintechs, and lenders directly to payroll systems. The API covers direct deposit switching (PreMatch, NativeLink), income and employment verification, paystub and shift data, tax form retrieval (W-2, 1099), bill switch, and bill manager. Pinwheel maintains direct integrations with 1,600+ payroll platforms covering an estimated 80% of U.S. workers and is the first Consumer Reporting Agency (CRA) in the payroll-connectivity space.

## Kin Score — 40.9 / 100 (developing)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 40.9).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 43.3 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 42.1 |
| Developer Ergonomics | 71.4 |
| Commercial Clarity | 14.5 |
| Access Clarity | 14.5 |

## Agent readiness — 29.1 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (12)

- **Pinwheel Deposit Switch API** — The Pinwheel Deposit Switch API automates moving a customer's direct deposit allocations from one financial institution to another by connecting directly to 17,000+ payroll prov...
- **Pinwheel Verify API** — Pinwheel Verify is a payroll-connected income and employment verification API that returns identity, employment status and dates, current and historical paystubs, shifts (for ho...
- **Pinwheel Taxes API** — The Pinwheel Taxes API retrieves W-2, 1099-K, 1099-MISC, and 1099-NEC documents directly from a worker's payroll provider, returning them as both PDF and structured JSON. Tax-pr...
- **Pinwheel Bill Switch API** — The Pinwheel Bill Switch API updates a user's stored payment method across merchant and biller accounts (streaming, telecom, utilities, insurance, subscriptions) so that a finan...
- **Pinwheel Bill Manager API** — Pinwheel Bill Manager detects, organizes, and acts on a customer's recurring bills and subscriptions. It auto-identifies recurring charges with 80% greater accuracy than categor...
- **Pinwheel Switch Kit API** — Switch Kit bundles Pinwheel's Deposit Switch and Bill Switch products into a single onboarding experience banks and fintechs can drop into account-opening and reactivation flows...
- **Pinwheel Connected Accounts API** — The Pinwheel Connected Accounts API gives applications ongoing, consented access to a user's payroll and external-account data after the initial link. Builders use it to keep em...
- **Pinwheel Link Token API** — The Pinwheel Link Token API mints short-lived link_tokens that initialize the Pinwheel Link drop-in UI (Web, iOS, Android, React Native, Flutter, Capacitor). The token scopes th...
- **Pinwheel Accounts API** — The Pinwheel Accounts API exposes the linked payroll accounts a user has connected through Pinwheel Link, surfacing account-level metadata such as platform, status, employment r...
- **Pinwheel Jobs API** — The Pinwheel Jobs API is the asynchronous execution surface for every Pinwheel job — direct_deposit_switch, direct_deposit_allocations, paystubs, employment, identity, income, s...
- **Pinwheel Platforms API** — The Pinwheel Platforms API exposes the catalog of supported payroll providers and employer-side platforms (ADP, Workday, Paychex, Paycom, Gusto, Rippling, plus 1,600+ others). C...
- **Pinwheel Webhooks API** — The Pinwheel Webhooks API is how the platform delivers asynchronous events — job completions, link events, account status changes, deposit switch outcomes, tax-form availability...

## Security (2)

- **Pinwheel Api Domain Security** — TLSv1.3 · HSTS · DMARC
- **Pinwheel Api Trust Center** — SOC 2, ISO 27001, PCI DSS

## Use cases (7)

- **Banking Primacy** — National banks, credit unions, and challenger banks use Deposit Switch + Bill Switch to make a newly-opened account the customer's primary financial relationship.
- **Mortgage & Auto Lending** — Lenders use Verify as a real-time alternative to Work Number for payroll-direct income and employment verification.
- **Personal Loan / BNPL Underwriting** — Consumer lenders use Verify and Connected Accounts to refresh income at underwriting and during re-pricing windows.
- **Tax Preparation** — Tax-prep software uses the Taxes API to skip manual W-2 / 1099 uploads and pull forms directly from payroll.
- **Gig Worker Quarterly Tax Estimation** — Gig platforms use prior-year 1099 retrieval to power quarterly self-employment tax estimates for their workers.
- **Property Management & Rental Screening** — Property managers use Verify to confirm tenant employment and income at application time.
- **Subscription & Recurring Bill Management** — Personal finance apps and challenger banks use Bill Manager to give users a single view of recurring obligations with one-click switch and cancel.

## Tags

Employment, Income, Payroll, Direct Deposit, Identity, Verification, Financial, Tax, Bill Pay

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/pinwheel-api/). Scores are computed from the provider's own public artifacts under a published rubric.