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v51

latestOpenAPI 3.0.0raw.githubusercontent.com2026-07-313352,3122.9 MB
plaid

Check income verification eligibility and optimize conversion

/credit/payroll_income/precheck is an optional endpoint that can be called before initializing a Link session for income verification. It evaluates whether a given user is supportable by digital income verification. If the user is eligible for digital verification, that information will be associated with the user token, and in this way will generate a Link UI optimized for the end user and their specific employer. If the user cannot be confirmed as eligible, the user can still use the income verification flow, but they may be required to manually upload a paystub to verify their income.

While all request fields are optional, providing employer data will increase the chance of receiving a useful result.

When testing in Sandbox, you can control the results by providing special test values in the employer and access_tokens fields. employer_good and employer_bad will result in HIGH and LOW confidence values, respectively. employer_multi will result in a HIGH confidence with multiple payroll options. Likewise, access_good and access_bad will result in HIGH and LOW confidence values, respectively. Any other value for employer and access_tokens in Sandbox will result in UNKNOWN confidence.

post/credit/payroll_income/precheck

Request body

client_idstring

Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.

secretstring

Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.

user_tokenstring

The user token associated with the user for which data is being requested. This field is used only by customers with pre-existing integrations that already use the user_token field. All other customers should use the user_id instead. For more details, see New User APIs.

user_idstring

A unique user identifier, created by /user/create. Integrations that began using /user/create after December 10, 2025 use this field to identify a user instead of the user_token. For more details, see New User APIs.

access_tokensAccessToken[]

An array of access tokens corresponding to Items belonging to the user whose eligibility is being checked. Note that if the Items specified here are not already initialized with transactions, providing them in this field will cause these Items to be initialized with (and billed for) the Transactions product.

Response

OK

request_idstring required

A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.

confidence'HIGH' | 'LOW' | 'UNKNOWN' required

The confidence that Plaid can support the user in the digital income verification flow instead of requiring a manual paystub upload. One of the following:

"HIGH": It is very likely that this user can use the digital income verification flow.

"LOW": It is unlikely that this user can use the digital income verification flow.

"UNKNOWN": It was not possible to determine if the user is supportable with the information passed.