Verify income & employment
Instantly confirm your customers’ current income and employment status with their payroll provider.
Mitigate risk with real time monitoring
Know your information is always up to date with ongoing payroll provider data visibility and change notifications
Mitigate risk with real time monitoring
Know your information is always up to date with ongoing payroll provider data visibility and change notifications
Confidently determine eligibility and set limits with verified data
Ensure repayment
Check that you are the recipient of customers’ direct deposit allocation to guarantee reimbursement.
Calculate cash advance levels
Access historical cash flows to qualify customers’ cash advance amounts.
Verify income & employment
Instantly confirm your customers’ current income and employment status with the source of truth - their payroll provider.
Ensure repayment
Confirm you will be receiving customers' direct deposit to guarantee repayment.
Calculate cash advance levels
Access historical cash flows to qualify customers’ cash advance limits.
Drive value for customers and for your business
Meet customer needs
77%
of consumers said they would use EWA if their credit union or bank offered it
Grow deposits
By requiring a direct deposit to qualify for earned wage access, you create a powerful incentive for customers to make a deposit switch
63%
Meet customer needs
of consumers said they would use EWA if their credit union or bank offered it
Grow deposits
By requiring a direct deposit to qualify for earned wage access, you create a powerful incentive for customers to make a deposit switch
The industry's only holistic bill management solution:
Instant detection of recurring payments
Frictionless switching for bills paid both through card and ACH
Visibility into upcoming payment due dates to avoid account overdraft
Ongoing management of existing and new recurring payments over time
Security at Pinwheel
Pinwheel's security program meets or exceeds industry standards. With multiple controls in place, we ensure your personal information remains safe. Plus, we're the only API provider with a Chief Information Security Officer (CISO).
Earned wage access (EWA) has helped consumer finance companies to become the primary financial account by leveraging a powerful incentive. Download this guide to learn the basics of EWA, along with best practices for implementation, risk reduction, and data accuracy.
Read more about Pinwheel’s dedication to security ➔
Primacy in personal banking: A moving target
Learn about changes to consumer behavior that have affected financial institutions' ability to achieve and defend primacy.
Getting started is easy
Let’s talk about how Pinwheel can deliver game-changing results for your acquisition funnel.