Welcome

Welcome to Pinwheel, the API for Payroll and Bill Switch.

Pinwheel makes it easy for your customers to securely connect both payroll and billing accounts through your application. With user permission, you can:

Update direct deposit allocations
Retrieve income and employment data
Switch payment methods for recurring bills and subscriptions

To request access to the Pinwheel API, please contact [email protected].

Implementation Overview

The Pinwheel API is easy to integrate and highly customizable. Implementing Pinwheel involves a simple client and server side integration, which are outlined in five key steps:

Link token: Your application server sends a request to our REST API to generate a short-lived Link Token.
Pinwheel Link: Using the Link Token, your application client initializes the client SDK to launch the Link modal. Your users interact with Link to submit their login credentials to authenticate with their payroll provider over a secure and encrypted connection.
Account Creation: Once the user successfully authenticates via Pinwheel Link an Account is created representing the user's payroll account.
Jobs: Our servers execute the requested jobs. We read and store data from the user's payroll account, and if requested, modify their direct deposit allocations.
Webhooks: Webhooks are delivered to your server in real time, notifying your application whenever data is available or updated. Your server can then fetch data from our REST API.

Solutions

Pinwheel's SDK, called Link, provides multiple solutions in one bundle:

Deposit Switch - provide instant direct-deposit switching
Verify - get user-permissioned access to employment & income data, as well as paystub and tax documents
Bill Switch - provide instant payment-method switching for bills and subscriptions paid out of an external user account
Switch Kit - provide direct-deposit and bill-switch capabilities in a single user experience
Bill Navigator - provide recurring bill & subscription management services and features for your users
Merchant Connectivity - perform bill switch or bill cancellation for a known merchant

You can specify which solution to open for your users with the solution parameter when creating a Link Token.

Features/Jobs

After a user authorizes access to their payroll or merchant account, several jobs can be executed. Direct Deposit jobs update direct deposit allocations in the payroll account. Income and Employment jobs provide access to payroll account data. Bill Switch jobs update the payment method on billing/merchant accounts. You can specify the jobs to execute with the features parameter when creating a Link Token.

Job	Type	Description
`direct_deposit_switch`	Direct Deposit	Switches the payroll account direct deposit, in partial or full, to the specified bank account. This job can also be used to enable paycheck-linked lending when a specific amount is required.
`direct_deposit_allocations`	Direct Deposit	Provides data about existing allocations of a user's payroll account.
`paystubs`	Income and Employment	Provides access to the user's paystubs as structured data.
`employment`	Income and Employment	Provides data about the user's employment, such as the name of their employer and their start date.
`identity`	Income and Employment	Provides data about the identity of the payroll account owner, such as name and date of birth.
`income`	Income and Employment	Provides income data such as annual salary or hourly wage.
`shifts`	Income and Employment	Provides access to ongoing and completed work performed by the user.
`tax_forms`	Income and Employment	Provides access to tax forms.
`bill_switch`	Bill Switch	Switches the payment method for the user's merchant account (e.g. Netflix) to the specified credit/debit card or bank account.
`bill_cancellation`	Bill Switch	Cancels payment for the user's merchant account.