Income Verification#

Income Verification provides detailed income analysis including employment verification, pay stub data, and payroll records. Income data is available as part of Verification Reports and Score Reports.

Income Data Structure#

{
  "annual_gross": 7200000,
  "annual_net": 5400000,
  "pay_frequency": "monthly",
  "currency": "gbp",
  "employment": {
    "employer": "Acme Corporation",
    "title": "Software Engineer",
    "start_date": "2021-03-01",
    "status": "active",
    "verified_via": "payroll_provider"
  },
  "sources": [
    {
      "type": "employment",
      "employer": "Acme Corporation",
      "amount": 600000,
      "frequency": "monthly",
      "currency": "gbp",
      "verified": true
    },
    {
      "type": "investment",
      "description": "Dividend income",
      "amount": 25000,
      "frequency": "quarterly",
      "currency": "gbp",
      "verified": true
    }
  ],
  "history": [
    { "month": "2025-01", "gross": 600000, "net": 450000 },
    { "month": "2024-12", "gross": 600000, "net": 450000 },
    { "month": "2024-11", "gross": 600000, "net": 450000 }
  ]
}

Income Source Types#

Type	Description
`employment`	Regular employment income
`self_employment`	Self-employment / freelance income
`investment`	Investment returns, dividends
`rental`	Rental income from other properties
`pension`	Pension or retirement income
`benefits`	Government benefits or allowances
`other`	Other income sources

Verification Methods#

Method	Description	Confidence
`payroll_provider`	Direct payroll data access	High
`bank_transactions`	Income inferred from bank deposits	Medium-High
`document_upload`	Manually uploaded paystubs	Medium
`self_reported`	Applicant-declared income	Low

For the highest confidence income verification, encourage applicants to connect through payroll providers. Bank transaction analysis is the next best option.