VERIFY SUITE / VERIFIED DATA

Identity, employment, and income in one verified response.

Get a complete, verified income and employment profile for every applicant. Real-time data mapped to a single, predictable schema. Whether it comes from direct payroll, user logins, or document scanning.

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Identity Cross-Validation

Match applicant details against authoritative payroll records.

  • Full Legal Name
  • Date of Birth
  • Verified Address
  • Contact Information

Employment Verification

Confirm current job status and historical tenure with certainty.

  • Current Employer Name
  • Job Title
  • Employment Status (Active/Inactive)
  • Start Date & Tenure

Income Analysis

Granular breakdown of earnings to calculate exact affordability.

  • Gross & Net Pay
  • Pay Frequency
  • Projected Annual Income
  • Bonus & Commission Split
CONSISTENT OUTPUT

A single data format for multiple sources.

Stop handling different formats from different providers. Teal normalises every source into one clean, consistent data structure.

direct_payrolluser_connectdoc_ocr
verification_response.json
200 OK
{
  "payroll_submissions": [{
    "id": "8f3b2a1c-9d4e-48b2-b1c3-7f6e5d4c3b2a",
    "account_id": "c9a8b7c6-d5e4-4f3a-9b2c-1d0e9f8a7b6c",
    "entry_id": "e5d4c3b2-a1b2-4c3d-8e7f-6a5b4c3d2e1f",
    "created_at": "2023-11-28T08:15:32.000Z",

    "identity_information": {
      "name": "David Sterling",
      "date_of_birth": "1988-08-22T00:00:00.000Z",
      "address": {
        "street": "42 Highfield Road",
        "county": "Greater Manchester",
        "city": "Manchester",
        "post_code": "M19 3LW",
        "country": "United Kingdom"
      },
      "email": "david.sterling@techflow.co.uk",
      "phone": 447700900451,
      "NI_number": "JL654321D"
    },

    "employment_information": {
      "employer_name": "TechFlow Solutions Ltd",
      "role": "Senior Product Manager",
      "type": "Full-time",
      "status": "active",
      "start_date": "2020-03-15T00:00:00.000Z",
      "leave_date": null
    },

    "income_information": {
      "pay_date": "2023-11-28T00:00:00.000Z",
      "pay_interval_start": "2023-11-01T00:00:00.000Z",
      "pay_interval_end": "2023-11-30T00:00:00.000Z",
      "pay_frequency": "Monthly",
      "earnings": {
        "gross_pay": 5500,
        "net_pay": 3850,
        "base_salary": 5000,
        "bonus": 500
      },
      "deductions": {
        "income_tax": 950,
        "employee_ni": 350,
        "employee_pension": 350,
        "total_deductions": 1650
      }
    }
  }]
}
RECURRING CHECKS

Verifications that keep running.

Income verification is not just a one-time event. Schedule recurring checks to monitor borrower income and employment changes over time. Ideal for ongoing affordability monitoring, dynamic credit products, and Consumer Duty compliance.

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