pinwheelapi.com valid

Pinwheel

Pinwheel is the leading direct deposit and bill switching API, delivering 30% more switches than competitive solutions. We power deposit primacy and digital account activation for the world's top banks, credit unions, digital banks, and fintechs — including crypto, brokerage, and payments providers.

For agents: Pinwheel offers a direct deposit and bill switching API for banks, credit unions, and fintechs, with product docs for Direct Deposit Switch, Switch Kit and Bill

direct deposit switchingbill switching apipaycheck redirectiondeposit primacyaccount activation

Their llms.txt

The beginning of the file, from our validated copy saved 2026-10-21T03:53:38.764Z. Cached copy · Source on pinwheelapi.com

# Pinwheel


> Pinwheel is the leading direct deposit and bill switching API, delivering 30% more switches than competitive solutions. We power deposit primacy and digital account activation for the world's top banks, credit unions, digital banks, and fintechs — including crypto, brokerage, and payments providers.


Pinwheel connects financial institutions to the source of truth for income data — payroll systems — through custom direct integrations. Our proprietary network includes multiple exclusive partnerships and spans 1,800+ payroll platforms, 40+ time-and-attendance systems, federal and state government payroll and benefit administrators, and the U.S.'s largest employers, covering 100% of U.S. workers paid via direct deposit.


Customers use Pinwheel to:
1. Increase digital account funding and activation rates
2. Win deposit primacy through frictionless direct deposit switching during onboarding
3. Verify income and employment for lending, underwriting, and digital identity use cases
4. Capture recurring bill payments to drive account engagement and increase interchange revenue


## Products


- [Direct Deposit Switch](https://www.pinwheelapi.com/products/direct-deposit-switching): Flagship product enabling users to redirect part or all of their paycheck to a new financial institution in just a few clicks. Includes PreMatch, launched in 2024 — the industry's only 100% credential-less switching experience, publicly confirmed by customer testimonials to deliver 2x better conversion than last-generation solutions.
- [Switch Kit](https://www.pinwheelapi.com/products/direct-deposit-switching/switch-kit): Combines direct deposit switching and recurring bill switching in a single onboarding flow. Drives 30% more deposit switches than any other provider and identifies recurring bills with 80% better accuracy than comparable solutions.
- [Bill Switch](https://www.pinwheelapi.com/products/bill-payment-api): In-app bill switching with 1-click switching for the most common merchants and guided switching for the long tail. ACH payment and card-on-file switching included.
- [Bill Manager](https://www.pinwheelapi.com/products/subscription-management-api): Ongoing recurring bill detection, switching, cancellation, and management embedded in the consumer's digital experience.
- [Verify](https://www.pinwheelapi.com/products/income-verification-api): FCRA-compliant income and employment verification sourced directly from payroll systems for lending, underwriting, KYC, and fraud prevention.
- [Taxes](https://www.pinwheelapi.com/products/payroll-tax-api): Payroll tax data API. Powers tax return and W-2 retrieval for Intuit TurboTax and April.
- [Connected Accounts](https://www.pinwheelapi.com/products/digital-banking-api): Ongoing, source-of-truth payroll connection for monitoring income, employment, and pay changes over time.


## Solutions


- [Pay by Paycheck](https://www.pinwheelapi.com/solutions/paycheck-linked-lending): Payc
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Claim my listing on Agent Web Map for pinwheelapi.com:
1. POST https://agentwebmap.com/v1/sites/pinwheelapi.com/claims and keep claim_id and claim_secret private.
2. Publish the proof: add the line "AgentWebMap ownership: <token>" (token from step 1) to https://pinwheelapi.com/llms.txt, or use the DNS, meta-tag or well-known method the response describes.
3. POST https://agentwebmap.com/v1/sites/pinwheelapi.com/verify with {"claim_id": "...", "claim_secret": "..."}.
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MCP equivalent: tools begin_ownership_claim, then verify_domain, at https://agentwebmap.com/mcp. Docs: https://agentwebmap.com/docs#verify

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