Finicity is part of the Mastercard family. Our open banking platform provides the financial data you need.


Smart data for lending

Leverage Mastercard’s open banking services and lend with confidence. Simple, quick, accurate—and smart. Our income verification data is constantly evolving to provide better results.

Your decisioning engine just got a lot more powerful

Lenders want better information and borrowers want a better experience. In seconds, our income verification service gives you up to twenty four months of accurate income history. 

Lending income verification - payroll & deposits illustration

Income includes

Financial institutions icon

Financial institution for each account

Transactions icon

Up to 24 months of deposit transactions

Monthly income icon

Average monthly income

Historical income icon

Historical and estimated annual income

Key benefits

  1. Easily identified and validated income streams
  2. Mitigate risk with real-time data
  3. Simple, intuitive consumer experience
  4. Supplement existing decision models 
Consumer interacting with mobile device - key benefits

Now imagine what you can do

It’s not just about possessing the best data and insights—it’s about having a platform to innovate, transform and create your income verification system.

More accurate, complete view of consumer’s income flow

Flexible income views for all lending segments

Meet consumers where they are digitally

Make better decisions 

Control costs of doing business

Mortgage API - borrower income, assets, and employment verification

Income verification API - VOI API

Income verification API

Check out our income verification API. Get started and test our APIs or view our documentation at Mastercard Developers.

More Resources

Get started with Income data today

How open banking is solving five key credit decisioning problems

How digital income verification is improving financial inclusion

Certain open banking solutions are provided by Finicity, a Mastercard company.