Know what they actually earn, not what they typed.
We show detected income back to the customer inside the journey so they can confirm each source and add every account, consumer income or business revenue, until the number is the true one. No guesswork, no gross-ups.
Assessed income
The real number, confirmed by the customer.
We connect every account, show the customer what we found, and let them confirm it. Income for consumers, revenue for businesses, one verified figure.
Confirm in the journey
We relay detected income back to the applicant to verify, not just scrape it silently. They see what we found and say yes.
Every account counts
Add multiple current, savings and joint accounts so nothing is missed, and the figure reaches the true number.
Consumer income
Salary, benefits, pensions and irregular pay, categorised and attributed to the person who receives it.
Business revenue
Turnover and trading income for SME and self-employed applicants, read from the same connected accounts.
Source-level detail
Each income stream identified, dated and labelled, so every pound in the total can be traced to where it came from.
One true figure
Customer-confirmed, multi-account and fully categorised, so you lend against real income or revenue, not an estimate.
Why Income Verification Is Hard
Traditional income verification relies on self-declaration and manual checks, slow, fraud-prone and fragile.
Fragmented Sources
Income is scattered across sources.
Document Fraud
54% of fraud has doctored payslips.
Source: Open Banking
Point-in-Time Snapshots
Single documents miss income shocks.
Three Ways to Verify Income
Different applicants need different methods. Use one or layer all three.
Open Banking Income Trends
Secure income from bank accounts via open banking. Track trends over 12 months for reliable profiles validated with customers.
Payslip & Document Capture
Request payslips where open banking isn't available. Document verification protects against the 54% fraud with doctored payslips.
Source: Open Banking
Bureau Solutions & HMRC Direct
Use credit bureau data and HMRC income verification for highest assurance. Self-assessment data from HMRC is authoritative.
Detect Income Shocks Before They Become Defaults
Income shocks are a key vulnerability indicator. Credit Canary detects drops before missed payments hit.
Trend Analysis
Track income month-over-month with automated alerts for pattern changes and seasonal variations.
Payment Prediction
Predict salary dates and flag at-risk income.
Vulnerability Signals
Identify vulnerability beyond income.
Turning 40% of loan declines into approvals, with better data, not lower standards.
TSB partnered with Credit Canary to challenge rigid decline rules using real-time Open Banking data.
Access Income Data Your Way
White-label console, embeddable module, raw API or reports, income intelligence your way.
White-Label Console
A branded underwriting interface with search, filters and full income views.
Embeddable Module
SSO-enabled widgets you can embed directly into Salesforce, Dynamics or your own platform.
REST API + Webhooks
Full JSON via webhooks with scores.
PDF & Reports
Auto-generated income verification reports as downloadable PDFs for audit and compliance.
Income Verification That Serves the Whole Business
Income identification supports every stakeholder from automated origination to regulatory reporting.
Lending & Origination
Automate income verification at application point with algorithm-driven real-time matching.
Underwriting
Give underwriters a complete, pre-verified income picture before approval.
Compliance & Audit
Full audit trail of income sources and verification methods for FCA Consumer Duty compliance.
One product, wired into the whole platform
Buy Income Verification on its own, prove it, extend. It runs on the Origination Agent, sits in the Originate module, and grows into the next step of the journey.
A read-only open banking connection to the customer's account.
Ready to Transform Your Income Verification?
See how multi-source delivers faster verification.