Income Verifier
Stated income is not verified income.
Income Verifier confirms income and employment: the buyer connects a bank account or payroll, read at the source, or uploads documents screened for tampering, on their own phone. Here is every piece, and what your team sees from each.
Three ways in
The buyer proves income on their own phone.
Bank connection
Connect a bank account in minutes.
The buyer finds their bank and signs in on their own phone. Access is read-only, and Paays never sees the password. Deposits, balances and up to a year of transactions come back structured, with no statement to print.
- Insights
- Account
- Income and Deposits
- Expenses
- Your team sees
- Income and deposits, the balance and the transaction history, for the period you choose.
Payroll connection
Income and employment, straight from payroll.
The buyer connects their employer or payroll provider. Employment status, title, start date, pay cycle, and gross and net pay come back from the payroll record itself, with the pay stubs on file. On a riskier deal, it is also a second proof that the identity is real.
- Profile
- Employment
- Income
- Documents
- Your team sees
- The employer, the title, the pay cycle, gross and net pay, and the pay stubs.
Document upload
Pay stubs and statements, screened for tampering.
When the buyer prefers documents, they upload pay stubs or bank statements. Every file is analyzed for signs of tampering and comes back with a status your team reads at a glance.
- Tampering check
- Font and layout consistency
- File metadata check
- Your team sees
- Trusted, Warning or High Risk on every file, with the indicators behind it.
Where it runs
In your flow, at your moment
Send the link by text message or show a QR code to scan, at any step. The customer verifies on their own phone.
The results
Income read from the source, not from a claim.
Income verification
A verified figure for the deal.
The income on the application comes from deposits or the payroll record, not from memory. Your team sees the figure, its source and the period behind it.
- Your team sees
- The verified annual income, the average monthly deposits and the source.
Income insights
Deposits, read as income.
Employer income is set apart from government income, other income and transfers, with the employer, the pay frequency and the trend read from the deposits.
- Employment Income
- Government Income
- Other Income
- Transfers
- Your team sees
- Employer income per month, the payment frequency and the income trend.
Transaction history
The statement, without the paper.
Every transaction for the last 30, 90, 180 or 365 days, read from the account itself: loans and bills, NSF fees and the balance. No printout to edit.
- 365 Days
- 180 Days
- 90 Days
- 30 Days
- Your team sees
- Debits and credits, loans and bills, NSF fees and the balance trend.
Employer verification
The employer behind the income.
The employer is confirmed from the payroll record or matched to the deposits, with the position, the status and the start date when payroll is connected.
- Employer
- Title
- Status
- Start Date
- Your team sees
- The employer, the position, the employment status and the start date.
At the desk
From your dashboard to the funding file.
Every income verification lands in your dashboard with the buyer's income and deposits. From there it becomes a report for the lender, documents you already hold get checked at the desk, and the payment is set up without a void cheque.
Dashboard
Income and deposits, at a glance.
Employer income, government income, other income and transfers, the employer and the pay frequency, month by month, for everyone on your team.
PDF report
The Income Verifier Report.
Export the verification as a report for the deal jacket or the lender: the overview, income and deposits, expenses and the account.
Upload
Documents you already hold, checked at the desk.
A pay stub came in by email? Upload it from the dashboard. Every file comes back Trusted, Warning or High Risk, with the indicators behind it.
Pre-authorized debit
Payments, without a void cheque.
The bank connection returns verified account details, the institution, transit and account number with the account holder, so the payment is set up without waiting for a void cheque.
ExportSee Income Verifier on a real deal.
A 20-minute call, focused on your operation.
Flexible schedulingPick a time that works for you and your team.
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Questions?Write to us directly at info@paays.com
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