Pinwheel website screenshot

Pinwheel

Pinwheel is the leading payroll connectivity platform providing a REST API for direct deposit switching, income verification, employment history, and tax form retrieval from 1,800+ payroll providers and 40+ time-and-attendance systems. Financial institutions and fintechs use Pinwheel to activate customer accounts, verify income and employment, automate bill switching, and build primary banking relationships through a single, SOC 2 Type 2 and ISO 27001 certified integration.

Pinwheel publishes 14 APIs on the APIs.io network, including Accounts API, API Keys API, Company Connect API, and 11 more. Tagged areas include Payroll, Direct Deposit, Income Verification, Employment, and Tax Forms.

The Pinwheel catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Pinwheel’s developer surface includes authentication, documentation, engineering blog, pricing, and 11 more developer resources.

50.8/100 developing ▼ -6.5 Agent 37/100 agent ready Full breakdown ↓
scored 2026-07-28 · rubric v0.6
AccessFreemiumSelf serve⚡ Free to try
14 APIs
PayrollDirect DepositIncome VerificationEmploymentTax FormsFintechOpen FinanceBill SwitchingFinancial Data

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6
Composite quality — 50.8/100 · developing
Contract Quality 17.7 / 25
Developer Ergonomics 4.3 / 20
Commercial Clarity 11.6 / 20
Operational Transparency 6.8 / 13
Governance 7.0 / 12
Discoverability 7.4 / 10
Agent readiness — 37/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 7 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/pinwheel: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 14

Individual APIs this provider publishes, each with its own machine-readable definition.

Pinwheel Accounts API

The Accounts API from Pinwheel — 4 operation(s) for accounts.

Pinwheel API Keys API

The API Keys API from Pinwheel — 3 operation(s) for api keys.

Pinwheel Company Connect API

The Company Connect API from Pinwheel — 7 operation(s) for company connect.

Pinwheel Direct Deposit Allocations API

The Direct Deposit Allocations API from Pinwheel — 1 operation(s) for direct deposit allocations.

Pinwheel Earnings Stream API

The Earnings Stream API from Pinwheel — 1 operation(s) for earnings stream.

Pinwheel Employers and Platforms API

The Employers and Platforms API from Pinwheel — 6 operation(s) for employers and platforms.

Pinwheel End Users API

The End Users API from Pinwheel — 4 operation(s) for end users.

Pinwheel Income and Employment API

The Income and Employment API from Pinwheel — 6 operation(s) for income and employment.

Pinwheel Jobs API

The Jobs API from Pinwheel — 1 operation(s) for jobs.

Pinwheel Link Tokens API

The Link Tokens API from Pinwheel — 1 operation(s) for link tokens.

Pinwheel Sandbox API

The Sandbox API from Pinwheel — 1 operation(s) for sandbox.

Pinwheel Tax Forms API

The Tax Forms API from Pinwheel — 2 operation(s) for tax forms.

Pinwheel Verification Reports API

The Verification Reports API from Pinwheel — 2 operation(s) for verification reports.

Pinwheel Webhooks API

The Webhooks API from Pinwheel — 2 operation(s) for webhooks.

Scroll for all 14

Pricing Plans 1

Published pricing tiers and plan structures.

Rate Limits 1

Documented rate limits and quota policies.

Pinwheel Rate Limits

3 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Pinwheel Context

135 classes · 9 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Pinwheel API Rules

5 rules · 4 warnings 1 info

SPECTRAL

JSON Schema 99

Standalone JSON Schema definitions for this provider's data models.

Address

7 properties

JSON SCHEMA

Allocation

4 properties

JSON SCHEMA

Allocation

10 properties

JSON SCHEMA

AnnualIncomeResponseObj

7 properties

JSON SCHEMA

ApplicantNameAndAddress

2 properties

JSON SCHEMA

BankAccount

8 properties

JSON SCHEMA

BankAccountDetails

4 properties

JSON SCHEMA

BankAccountTransaction

5 properties

JSON SCHEMA

Bill Navigator Status Update Request

2 properties

JSON SCHEMA

object

10 properties

JSON SCHEMA

CompanyConnect

1 properties

JSON SCHEMA

CompanyConnectionBase

5 properties

JSON SCHEMA

CompanyConnectionPostBody

1 properties

JSON SCHEMA

LinkTokenPostBody

6 properties

JSON SCHEMA

CompanyEmploymentObjResponse

12 properties

JSON SCHEMA

CompanyIdentityObjResponse

11 properties

JSON SCHEMA

CompanyIncomeObjResponse

6 properties

JSON SCHEMA

CompanyPaystubObjResponse

15 properties

JSON SCHEMA

object

2 properties

JSON SCHEMA

CreateAdminTokenResponse

1 properties

JSON SCHEMA

object

5 properties

JSON SCHEMA

object

1 properties

JSON SCHEMA

CreateAPIKeyResponse

1 properties

JSON SCHEMA

object

5 properties

JSON SCHEMA

Direct Deposit Allocations

5 properties

JSON SCHEMA

Deduction

4 properties

JSON SCHEMA

DirectDepositAllocationDetail

3 properties

JSON SCHEMA

Document

3 properties

JSON SCHEMA

Earning

5 properties

JSON SCHEMA

EarningsStreamPayoutsResponse

4 properties

JSON SCHEMA

EarningsYtds

2 properties

JSON SCHEMA

EmployeeName

4 properties

JSON SCHEMA

EmployeeNameAndAddress

2 properties

JSON SCHEMA

EmployeeResponseObj

5 properties

JSON SCHEMA

EmployerNameAndAddress

2 properties

JSON SCHEMA

Employer

12 properties

JSON SCHEMA

Employment

11 properties

JSON SCHEMA

EmploymentResponseObj

9 properties

JSON SCHEMA

EndUser

1 properties

JSON SCHEMA

Document for end user

8 properties

JSON SCHEMA

FieldWarning

3 properties

JSON SCHEMA

FreshnessPaginationListMeta

4 properties

JSON SCHEMA

Identity

10 properties

JSON SCHEMA

IncomeAndEmploymentResponseObj

10 properties

JSON SCHEMA

Income

8 properties

JSON SCHEMA

IncomeResponseObj

6 properties

JSON SCHEMA

Job

9 properties

JSON SCHEMA

Job

9 properties

JSON SCHEMA

LinkTokenPostBody

19 properties

JSON SCHEMA

LinkToken

5 properties

JSON SCHEMA

object

8 properties

JSON SCHEMA

object

7 properties

JSON SCHEMA

ListMeta

1 properties

JSON SCHEMA

MerchantPayment

5 properties

JSON SCHEMA

NetPayObjResponse

2 properties

JSON SCHEMA

PaginationMeta

2 properties

JSON SCHEMA

ParamsPayload_v2023_11_22

22 properties

JSON SCHEMA

object

23 properties

JSON SCHEMA

PayrollAccountDataRefreshed

6 properties

JSON SCHEMA

PayrollAccountDataUpdated

6 properties

JSON SCHEMA

Account

12 properties

JSON SCHEMA

object

1 properties

JSON SCHEMA

Paystub

22 properties

JSON SCHEMA

PaystubWithEarningsResponseObj

18 properties

JSON SCHEMA

Phone

2 properties

JSON SCHEMA

Platform

14 properties

JSON SCHEMA

RefreshableMeta

1 properties

JSON SCHEMA

RefreshablePaginationListMeta

3 properties

JSON SCHEMA

RevokeAPIKeyResponse

1 properties

JSON SCHEMA

object

5 properties

JSON SCHEMA

SearchResult

14 properties

JSON SCHEMA

SharedFraud

1 properties

JSON SCHEMA

Earning

5 properties

JSON SCHEMA

Shift

10 properties

JSON SCHEMA

ShiftTimestamp

2 properties

JSON SCHEMA

TargetAccount

3 properties

JSON SCHEMA

TaxForm

8 properties

JSON SCHEMA

TaxForm

5 properties

JSON SCHEMA

TaxFormW2

22 properties

JSON SCHEMA

Tax

3 properties

JSON SCHEMA

TimeOff

5 properties

JSON SCHEMA

UploadedBankStatement

8 properties

JSON SCHEMA

UploadedDeduction

4 properties

JSON SCHEMA

UploadedEarning

4 properties

JSON SCHEMA

UploadedPaystub

14 properties

JSON SCHEMA

UploadedSSIAwardLetter

8 properties

JSON SCHEMA

UploadedTax

4 properties

JSON SCHEMA

UploadedTimeOff

5 properties

JSON SCHEMA

UploadedW2Informed

12 properties

JSON SCHEMA

W2Box12

2 properties

JSON SCHEMA

W2Box13

3 properties

JSON SCHEMA

W2Box15To20

7 properties

JSON SCHEMA

W2BoxC

2 properties

JSON SCHEMA

WebhookPostBody

5 properties

JSON SCHEMA

Webhook

8 properties

JSON SCHEMA

WebhookPatchBody

4 properties

JSON SCHEMA

Scroll for all 99

Examples 51

Example request and response payloads for these APIs.

Scroll for all 51

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Pinwheel Authentication

apiKey/http · 2 schemes

SECURITY

Pinwheel Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Pinwheel Trust Center

SOC 2, ISO 27001, PCI DSS

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Pinwheel Agentic Access

46 operations · 13 acting · 3 human-in-the-loop

46 operations · 13 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

Build 1

SDKs, sample code, and the tooling you integrate with

Access & Security 3

Authentication, authorization, and security posture

Operate 2

Status, limits, changes, and where to get help

Commercial 3

Pricing, plans, and the legal terms of use

Company 3

The organization behind the API

Other 1

Properties that don't map to a standard resource type

Source (apis.yml)

apis.yml Raw ↑
aid: pinwheel
name: Pinwheel
description: Pinwheel is the leading payroll connectivity platform providing a REST API for direct deposit switching, income
  verification, employment history, and tax form retrieval from 1,800+ payroll providers and 40+ time-and-attendance systems.
  Financial institutions and fintechs use Pinwheel to activate customer accounts, verify income and employment, automate bill
  switching, and build primary banking relationships through a single, SOC 2 Type 2 and ISO 27001 certified integration.
type: Index
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/pinwheel.png
url: https://raw.githubusercontent.com/api-evangelist/pinwheel/refs/heads/main/apis.yml
created: '2026-06-13'
modified: '2026-06-13'
specificationVersion: '0.19'
tags:
- Payroll
- Direct Deposit
- Income Verification
- Employment
- Tax Forms
- Fintech
- Open Finance
- Bill Switching
- Financial Data
apis:
- aid: pinwheel:pinwheel-accounts-api
  name: Pinwheel Accounts API
  description: The Accounts API from Pinwheel — 4 operation(s) for accounts.
  humanURL: https://www.pinwheelapi.com
  baseURL: https://api.getpinwheel.com
  tags:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/pinwheel-accounts-api-openapi.yml
  - type: Documentation
    url: https://docs.pinwheelapi.com/public/docs/getting-started
  - type: JSONSchema
    url: json-schema/
  - type: Examples
    url: examples/
  - type: Vocabulary
    url: vocabulary/pinwheel-vocabulary.yml
  - type: JSONLDContext
    url: json-ld/pinwheel-context.jsonld
- aid: pinwheel:pinwheel-api-keys-api
  name: Pinwheel API Keys API
  description: The API Keys API from Pinwheel — 3 operation(s) for api keys.
  humanURL: https://www.pinwheelapi.com
  baseURL: https://api.getpinwheel.com
  tags:
  - API Keys
  properties:
  - type: OpenAPI
    url: openapi/pinwheel-api-keys-api-openapi.yml
  - type: Documentation
    url: https://docs.pinwheelapi.com/public/docs/getting-started
  - type: JSONSchema
    url: json-schema/
  - type: Examples
    url: examples/
  - type: Vocabulary
    url: vocabulary/pinwheel-vocabulary.yml
  - type: JSONLDContext
    url: json-ld/pinwheel-context.jsonld
- aid: pinwheel:pinwheel-company-connect-api
  name: Pinwheel Company Connect API
  description: The Company Connect API from Pinwheel — 7 operation(s) for company connect.
  humanURL: https://www.pinwheelapi.com
  baseURL: https://api.getpinwheel.com
  tags:
  - Company Connect
  properties:
  - type: OpenAPI
    url: openapi/pinwheel-company-connect-api-openapi.yml
  - type: Documentation
    url: https://docs.pinwheelapi.com/public/docs/getting-started
  - type: JSONSchema
    url: json-schema/
  - type: Examples
    url: examples/
  - type: Vocabulary
    url: vocabulary/pinwheel-vocabulary.yml
  - type: JSONLDContext
    url: json-ld/pinwheel-context.jsonld
- aid: pinwheel:pinwheel-direct-deposit-allocations-api
  name: Pinwheel Direct Deposit Allocations API
  description: The Direct Deposit Allocations API from Pinwheel — 1 operation(s) for direct deposit allocations.
  humanURL: https://www.pinwheelapi.com
  baseURL: https://api.getpinwheel.com
  tags:
  - Direct Deposit Allocations
  properties:
  - type: OpenAPI
    url: openapi/pinwheel-direct-deposit-allocations-api-openapi.yml
  - type: Documentation
    url: https://docs.pinwheelapi.com/public/docs/getting-started
  - type: JSONSchema
    url: json-schema/
  - type: Examples
    url: examples/
  - type: Vocabulary
    url: vocabulary/pinwheel-vocabulary.yml
  - type: JSONLDContext
    url: json-ld/pinwheel-context.jsonld
- aid: pinwheel:pinwheel-earnings-stream-api
  name: Pinwheel Earnings Stream API
  description: The Earnings Stream API from Pinwheel — 1 operation(s) for earnings stream.
  humanURL: https://www.pinwheelapi.com
  baseURL: https://api.getpinwheel.com
  tags:
  - Earnings Stream
  properties:
  - type: OpenAPI
    url: openapi/pinwheel-earnings-stream-api-openapi.yml
  - type: Documentation
    url: https://docs.pinwheelapi.com/public/docs/getting-started
  - type: JSONSchema
    url: json-schema/
  - type: Examples
    url: examples/
  - type: Vocabulary
    url: vocabulary/pinwheel-vocabulary.yml
  - type: JSONLDContext
    url: json-ld/pinwheel-context.jsonld
- aid: pinwheel:pinwheel-employers-and-platforms-api
  name: Pinwheel Employers and Platforms API
  description: The Employers and Platforms API from Pinwheel — 6 operation(s) for employers and platforms.
  humanURL: https://www.pinwheelapi.com
  baseURL: https://api.getpinwheel.com
  tags:
  - Employers and Platforms
  properties:
  - type: OpenAPI
    url: openapi/pinwheel-employers-and-platforms-api-openapi.yml
  - type: Documentation
    url: https://docs.pinwheelapi.com/public/docs/getting-started
  - type: JSONSchema
    url: json-schema/
  - type: Examples
    url: examples/
  - type: Vocabulary
    url: vocabulary/pinwheel-vocabulary.yml
  - type: JSONLDContext
    url: json-ld/pinwheel-context.jsonld
- aid: pinwheel:pinwheel-end-users-api
  name: Pinwheel End Users API
  description: The End Users API from Pinwheel — 4 operation(s) for end users.
  humanURL: https://www.pinwheelapi.com
  baseURL: https://api.getpinwheel.com
  tags:
  - End Users
  properties:
  - type: OpenAPI
    url: openapi/pinwheel-end-users-api-openapi.yml
  - type: Documentation
    url: https://docs.pinwheelapi.com/public/docs/getting-started
  - type: JSONSchema
    url: json-schema/
  - type: Examples
    url: examples/
  - type: Vocabulary
    url: vocabulary/pinwheel-vocabulary.yml
  - type: JSONLDContext
    url: json-ld/pinwheel-context.jsonld
- aid: pinwheel:pinwheel-income-and-employment-api
  name: Pinwheel Income and Employment API
  description: The Income and Employment API from Pinwheel — 6 operation(s) for income and employment.
  humanURL: https://www.pinwheelapi.com
  baseURL: https://api.getpinwheel.com
  tags:
  - Income and Employment
  properties:
  - type: OpenAPI
    url: openapi/pinwheel-income-and-employment-api-openapi.yml
  - type: Documentation
    url: https://docs.pinwheelapi.com/public/docs/getting-started
  - type: JSONSchema
    url: json-schema/
  - type: Examples
    url: examples/
  - type: Vocabulary
    url: vocabulary/pinwheel-vocabulary.yml
  - type: JSONLDContext
    url: json-ld/pinwheel-context.jsonld
- aid: pinwheel:pinwheel-jobs-api
  name: Pinwheel Jobs API
  description: The Jobs API from Pinwheel — 1 operation(s) for jobs.
  humanURL: https://www.pinwheelapi.com
  baseURL: https://api.getpinwheel.com
  tags:
  - Jobs
  properties:
  - type: OpenAPI
    url: openapi/pinwheel-jobs-api-openapi.yml
  - type: Documentation
    url: https://docs.pinwheelapi.com/public/docs/getting-started
  - type: JSONSchema
    url: json-schema/
  - type: Examples
    url: examples/
  - type: Vocabulary
    url: vocabulary/pinwheel-vocabulary.yml
  - type: JSONLDContext
    url: json-ld/pinwheel-context.jsonld
- aid: pinwheel:pinwheel-link-tokens-api
  name: Pinwheel Link Tokens API
  description: The Link Tokens API from Pinwheel — 1 operation(s) for link tokens.
  humanURL: https://www.pinwheelapi.com
  baseURL: https://api.getpinwheel.com
  tags:
  - Link Tokens
  properties:
  - type: OpenAPI
    url: openapi/pinwheel-link-tokens-api-openapi.yml
  - type: Documentation
    url: https://docs.pinwheelapi.com/public/docs/getting-started
  - type: JSONSchema
    url: json-schema/
  - type: Examples
    url: examples/
  - type: Vocabulary
    url: vocabulary/pinwheel-vocabulary.yml
  - type: JSONLDContext
    url: json-ld/pinwheel-context.jsonld
- aid: pinwheel:pinwheel-sandbox-api
  name: Pinwheel Sandbox API
  description: The Sandbox API from Pinwheel — 1 operation(s) for sandbox.
  humanURL: https://www.pinwheelapi.com
  baseURL: https://api.getpinwheel.com
  tags:
  - Sandbox
  properties:
  - type: OpenAPI
    url: openapi/pinwheel-sandbox-api-openapi.yml
  - type: Documentation
    url: https://docs.pinwheelapi.com/public/docs/getting-started
  - type: JSONSchema
    url: json-schema/
  - type: Examples
    url: examples/
  - type: Vocabulary
    url: vocabulary/pinwheel-vocabulary.yml
  - type: JSONLDContext
    url: json-ld/pinwheel-context.jsonld
- aid: pinwheel:pinwheel-tax-forms-api
  name: Pinwheel Tax Forms API
  description: The Tax Forms API from Pinwheel — 2 operation(s) for tax forms.
  humanURL: https://www.pinwheelapi.com
  baseURL: https://api.getpinwheel.com
  tags:
  - Tax Forms
  properties:
  - type: OpenAPI
    url: openapi/pinwheel-tax-forms-api-openapi.yml
  - type: Documentation
    url: https://docs.pinwheelapi.com/public/docs/getting-started
  - type: JSONSchema
    url: json-schema/
  - type: Examples
    url: examples/
  - type: Vocabulary
    url: vocabulary/pinwheel-vocabulary.yml
  - type: JSONLDContext
    url: json-ld/pinwheel-context.jsonld
- aid: pinwheel:pinwheel-verification-reports-api
  name: Pinwheel Verification Reports API
  description: The Verification Reports API from Pinwheel — 2 operation(s) for verification reports.
  humanURL: https://www.pinwheelapi.com
  baseURL: https://api.getpinwheel.com
  tags:
  - Verification Reports
  properties:
  - type: OpenAPI
    url: openapi/pinwheel-verification-reports-api-openapi.yml
  - type: Documentation
    url: https://docs.pinwheelapi.com/public/docs/getting-started
  - type: JSONSchema
    url: json-schema/
  - type: Examples
    url: examples/
  - type: Vocabulary
    url: vocabulary/pinwheel-vocabulary.yml
  - type: JSONLDContext
    url: json-ld/pinwheel-context.jsonld
- aid: pinwheel:pinwheel-webhooks-api
  name: Pinwheel Webhooks API
  description: The Webhooks API from Pinwheel — 2 operation(s) for webhooks.
  humanURL: https://www.pinwheelapi.com
  baseURL: https://api.getpinwheel.com
  tags:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/pinwheel-webhooks-api-openapi.yml
  - type: Documentation
    url: https://docs.pinwheelapi.com/public/docs/getting-started
  - type: JSONSchema
    url: json-schema/
  - type: Examples
    url: examples/
  - type: Vocabulary
    url: vocabulary/pinwheel-vocabulary.yml
  - type: JSONLDContext
    url: json-ld/pinwheel-context.jsonld
common:
- type: AgenticAccess
  url: agentic-access/pinwheel-agentic-access.yml
- type: TrustCenter
  url: security/pinwheel-trust-center.yml
- type: DomainSecurity
  url: security/pinwheel-domain-security.yml
- type: Authentication
  url: authentication/pinwheel-authentication.yml
- type: Website
  url: https://www.pinwheelapi.com
- type: Documentation
  url: https://docs.pinwheelapi.com/public/docs/getting-started
- type: GitHubOrg
  url: https://github.com/underdog-tech
- type: LinkedIn
  url: https://www.linkedin.com/company/pinwheelhq/
- type: Blog
  url: https://www.pinwheelapi.com/resources
- type: Pricing
  url: https://www.pinwheelapi.com/contact
- type: StatusPage
  url: https://www.pinwheelapistatus.com/
- type: X
  url: https://twitter.com/PinwheelAPI
- type: Plans
  url: plans/pinwheel-plans-pricing.yml
- type: RateLimits
  url: rate-limits/pinwheel-rate-limits.yml
- type: FinOps
  url: finops/pinwheel-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com