The unified API for income verification.
Stop integrating multiple providers. One API call, one schema and Teal automatically routes through direct payroll connections, user-authorised logins, and document scanning to maximise hit rates on every verification.
POST/verification
{
"id": "ver_9a8b7c6d",
"sources": [
"direct_connect",
"user_connect",
"doc_scan"
],
"lookback_months": 3,
"recurrence": "disabled",
"journey_outcome": "sync",
"webhook_url": "https://…/hook"
}One API. Multiple sources.
Everything you need to build, test, and scale income verification. From intelligent routing to enterprise-grade compliance.
Smart Source Routing
Define primary and fallback sources. Teal automatically routes requests through the optimal path to maximise hit rates.
Consistent Data Format
No matter the source: direct payroll, user login, or document scan. The output is always the same standardised format.
Webhooks & Events
Real-time notifications for status changes, verification completions, and required actions. No polling needed.
SDKs & Libraries
Official SDKs for Node.js, Python, and direct REST. Production-ready with full type safety and comprehensive docs.
Sandbox Environment
Test against realistic mock data before going live. Full API parity with production, so you can ship with confidence.
Security & Compliance
ISO 27001 certified, ICO registered, GDPR compliant. End-to-end encryption and API key scoping as standard.
How smart source routing works.
A single API call triggers an intelligent routing sequence. Teal tries the fastest, most reliable source first and falls through to alternatives only when needed, maximising both speed and coverage.
Teal API
Routes requests and delivers consistent, verified data across multiple sources
Direct Connect
Try first, fastest path
User Connect
Fall through, user-authorised
Doc Scan
Final fallback, universal
Total control over every verification.
Define how Teal collects, delivers, and monitors income data. Every parameter is configurable per client or per request.
Data Sources
Choose which verification methods to enable: Direct Connect, User Connect, Doc Scan. Enable or disable any source to tailor the user experience and data flow.
Lookback Period
Set how many months of payroll data to retrieve. From the latest payslip to a full 12-month history, depending on your underwriting needs.
Data Recurrence
Run verifications once at onboarding, or schedule recurring checks at any cadence. Stay informed as borrower circumstances change.
Journey Outcome
Choose between synchronous, where the applicant completes the journey in your flow, or asynchronous, where Teal delivers results via webhook for your team to action.
{
"data_sources": {
"direct_connect": true,
"user_connect": true,
"doc_scan": true
},
"lookback_months": 6,
"recurrence": {
"enabled": true,
"frequency": "monthly"
},
"journey_outcome": "async",
"webhook_url": "https://api.yourapp.com/teal/callback"
}Built for UK-first verification.
Deep payroll integrations across the UK, with fallback coverage to ensure no applicant is left behind.
Direct integrations with the UK's leading payroll and accounting platforms.
Direct connection coverage across PAYE employees via payroll providers.
Teal can verify income for 100% of your application funnel via direct connections, user logins, and document scanning.
Enterprise-grade infrastructure with redundancy and real-time monitoring.
Ready to integrate?
Get sandbox access, explore the docs, and ship your first verification in minutes.