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How Argyle Works

Learn about Argyle's features and get started with your implementation.

Argyle provides user-permission-based solutions that enable transparent, continuous, and secure data transmission of user income and employment records in real time.

Argyle provides robust data granularity, read-and-write data access, and continuous data monitoring.

Connect payroll accounts#

Get real-time access to your users' payroll accounts with Argyle Link — a front-end element that your users interact with to connect their payroll accounts and grant you access to their income and employment data.

Link manages credential validation, multi-factor authentication, and error handling for each employer, gig platform, and payroll provider that Argyle supports.

Link can be embedded into any part of your application on Web, iOS, Android, and React Native.

Link can be tailored to fit your current implementation. Our UI Toolkit (accessible via Console) contains design templates that outline common ways to introduce Argyle to your users, as well as advanced user flows designed to improve end-to-end conversion. Duplicate the project, then drag and drop screens into your workspace to match your application's flows.

Argyle also lets you initialize the connection process on a hosted instance of Link by sending invites to your users. The hosted option is optimal for integrating Link into your workflow without coding.

Visit our Link Overview Guide to learn more about how your users connect their payroll accounts with Argyle and how data is securely transmitted between parties.

Retrieve payroll data#

The income and employment data your users granted you access to via Argyle Link can be retrieved via the Argyle's API or Argyle Console, a dashboard for viewing data and managing your Argyle implementation.

With Argyle Console#

Visit the Connections page in Argyle Console to view all connected payroll accounts and associated payroll data. Visit our Console Overview to learn more about what's possible in Console.

With Argyle's API#

Use Argyle's API to programmatically retrieve any of the 150+ data fields available per connected payroll account.

You can view data in a JSON format (as you would see it if you called the API directly) in Console as well.

Visit data structure in our API reference to learn more about how Argyle structures and manages your user's data.

Extended features#

Direct deposit switching#

Enable users to easily re-allocate all or some of their paycheck without ever leaving your app. Increase conversion, grow deposits, and become your users' primary financial account.

For direct deposit switching:

  1. Users find their employer or payroll provider and log in using their payroll credentials.
  2. Users confirm their direct deposit switch through your embedded Link flow.

Check out our Direct Deposit Switching Guide to learn more.

Document processing#

With built-in Document upload, Argyle also provides users who are not able to connect their payroll accounts with a streamlined way to verify their income.

Argyle's document processing features allow your users to upload Paystubs, W-2s, and 1099s to seamlessly verify their income and employment data. The Argyle API provides you with endpoints to retrieve your users' documents from the system.

Manage data and privacy#

Continuous data updates#

After a user connects their payroll accounts, their payroll information can be accessed at any time through Argyle Console or Argyle's API.

Payroll data is updated periodically as new data is generated and made available through the user's payroll account. You can subscribe to webhooks through Console or via the API to be notified when specific data has been updated or added.

Webhooks notify you instantly and automatically of any changes to a user's income and employment data on an ongoing basis, empowering you to make better underwriting, lending, and sales-related decisions.

If a user decides to revoke access to a payroll account, the payroll data from that account will no longer be made available through Argyle Console and Argyle's API, and webhooks will no longer send notifications for that payroll account.

Permission access#

Argyle's consent-based model provides a mechanism for end users to access and share their payroll data with third-party services.

At a user's instruction, Argyle retrieves information using log-in credentials the user provides through Argyle Link. This information is then made available to Argyle's customers through Argyle Console or Argyle's API.

Consult Argyle's privacy notice to learn more about how Argyle manages user data and privacy.

Protecting users' personal information is our top priority.

Argyle uses rigorous encryption protocols, point-of-entry controls, and takes all necessary infrastructure precautions in our commitment to data privacy and security.

We continuously adapt and evolve our processes to maintain compliance with the highest security and privacy standards.

Consult Security and compliance at Argyle for technical details regarding Argyle's encryption tools and protocols.

Revoke access#

Users can revoke access to their payroll accounts and delete their log-in credentials at any time through Argyle Link or by contacting Argyle support. Once a user revokes access to a payroll account, payroll data from that account will no longer be made available through Argyle Console or Argyle's API.

Argyle shares and retains payroll data with a user's consent for no longer than necessary to fulfill the purposes described in Argyle's privacy notice.

Argyle Sample Apps#

The Argyle team has developed a set of sample apps that make implementation easier than ever and help you ramp up with Argyle in no time. Explore Argyle's capabilities and its app development potential to build your solution.

Take advantage of our pre-built technologies to accelerate your implementation and get up and running with the help of our pre-coded solutions.

  • Bank App: A banking app powered by an integration with Argyle, Unit, and Stytch.
  • EWA App: An earned wage access solution powered by Argyle.
  • Employer Search: A tool for standardizing your data and streamlining your underwriting process.
  • Unit Pay Connector: A tool for reconciling payments from multiple payroll providers and attributing them to the correct borrowers for paycheck-linked lending.
  • Income Visualizer: Functional, interactive dashboards that demonstrate how Argyle data can be visualized to unlock real-time insights.
  • Loan App: An end-to-end demonstration of Argyle's solutions for loan origination and servicing.
  • Application Autofill: An example application showing auto-filling capabilities that can be unlocked with user-permissioned data through Argyle.
  • Returning Users: Learn how and when to return users to Argyle Link for additional actions.

To learn more, visit our documentation for each Sample App.

Have more questions?#

If you want to know more about how Argyle works, or need help getting up and running with your financial solutions, reach out to your Customer Success Manager, Account Executive, or the Support team.

Additional resources#

  • Argyle API Reference: See the collection of all available endpoints and data fields.
  • Sample Apps: Browse Argyle integrations to get you up and running quickly.
  • Solutions Guides: View Argyle's core solutions for your financial services.
  • Link Documentation: Learn how to integrate Argyle Link into your Web, iOS, Android, or React Native application.
  • Console Documentation: Learn more about Argyle's data visualization and administration dashboard.
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