# Pinwheel

**Canonical:** https://apis.io/providers/pinwheel/  
**Website:** https://www.pinwheelapi.com  
**APIs profiled:** 14

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.

## Kin Score — 48.8 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 48.8).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 70.1 |
| Governance | 9.8 |
| Contract Governance | 9.8 |
| Operational Transparency | 52.6 |
| Developer Ergonomics | 23.8 |
| Commercial Clarity | 57.9 |
| Access Clarity | 57.9 |

Regulatory layer — **Banking & Open Finance**: 27.8 (matched via tags).

## Agent readiness — 35.0 (agent-ready)

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

## Access

Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high).

## APIs (14)

- **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.

## Agentic access (1)

- **Pinwheel Agentic Access** — 46 operations · 13 acting · 3 human-in-the-loop

## Security (3)

- **Pinwheel Authentication** — apiKey/http · 2 schemes
- **Pinwheel Domain Security** — TLSv1.3 · HSTS · DMARC
- **Pinwheel Trust Center** — SOC 2, ISO 27001, PCI DSS

## Plans (1)

- **Pinwheel Plans Pricing**

## Tags

Payroll, Direct Deposit, Income Verification, Employment, Tax Forms, Fintech, Open Finance, Bill Switching, Financial Data

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