Historically, direct deposit switches have required too much coordination—not to mention paperwork—between you, your users, and their employer or payroll providers. It can be so cumbersome that many users never complete the process.
Enable your users to authorize a direct deposit switch instantly. Argyle automates account switching so that there’s no work on your end. For your users, it’s practically as simple. With just a few clicks and without leaving your platform, they can authorize a direct deposit switch or allocate a percentage of their wages to you.
We suggest integrating Argyle in two phases:
There are five aspects to consider when thinking about the user flow:
Typically, we see banks show an option to change a direct deposit upon signup and when prompting users to set up direct deposit to access gated features, like cash advance, early paycheck access, etc.
There are a few ways how Argyle can be initiated:
Send all users through Argyle and leverage Argyle as a switchboard to alternative direct deposit switching options. Our experience with clients shows that sending all users through Argyle provides the best user experience and highest conversion rates.
For users where Argyle has coverage, they can connect their account. For users where Argyle does not have coverage, a user will be shown a “Don’t see your company?” button, which when pressed will close Argyle Link and initiate a callback for you to funnel the user back to your application for an alternative path. The callback function will receive an object containing a search query that was entered by the user.
This option requires you to know who employs the user. You can then check that employer against the Argyle system to confirm coverage. The user will be dropped straight into the login screen (without the need to show the search screen).
You can utilize the search Link items endpoint to query the Link items database and power the company search field in your application. You will want to check for Link items where
If Argyle does not cover a particular employer, you then funnel the user to an alternative flow:
Now that you've determined 1) where in your flow, and 2) to which users, you want to surface Argyle, it's important to frame Argyle correctly for your users. Best in class implementations provide two things:
An example on-ramp screen is provided below:
If you want to receive 100% of the user's paycheck, you can drop the user directly into Argyle Link. However, if you want to be able to receive a smaller proportion as well, you will need to adjust the on-ramp screen or have an additional screen like this:
Moreover, you will need to determine if the user should be able to edit the proportion at a later time (see below: How can a user manage connected deposits?).
After a user connects their account and they are funnelled back into your application, it is important to let the users know where they can adjust their accounts if their work situation changes:
By default Argyle will have your users grant ongoing access to their employment accounts. Provide users with an option to invoke Argyle Link (e.g. from an account settings page) so that they can update direct deposit allocations (if you allow for that option) and disconnect their account: