Banking API for Payroll & Income Verification

Fiskil analyses bank transaction history to identify regular income patterns. Our algorithms detect salary deposits by analysing transaction amounts, frequency, payer details, and consistency over time. This provides verified income data directly from the source.

Bank transaction-based income detection is highly accurate for regular employment income, typically achieving over 95% detection rates for salary payments. The accuracy increases with longer transaction history and consistent payment patterns.

Yes. Beyond regular salary payments, Fiskil can identify patterns in irregular income such as freelance payments, gig economy earnings, rental income, and investment distributions. Multi-source income analysis provides a complete picture of earning capacity.

CDR provides access to up to 12 months of transaction history. For income verification, 3-6 months typically provides sufficient data to establish income patterns, though longer periods improve accuracy for irregular income sources.

No. Customers simply authorise access to their bank data through a quick consent flow (under 2 minutes). No document uploads, payslip scans, or employer letters are needed — income is verified directly from bank transactions.

Income verification from bank data is used across lending (personal loans, mortgages, BNPL), property (rental applications), government services (benefit eligibility), employment screening, and financial planning. Any process requiring proof of income can benefit.

Bank-based verification is faster (seconds vs days), more reliable (bank-verified vs self-reported), harder to manipulate (direct from bank vs paper documents), and covers multiple income sources automatically. It also eliminates the operational cost of manual document processing.