Pinwheel

Pinwheel is the leading direct deposit and bill switching API, powering deposit primacy and account activation for the world's top banks, credit unions, and fintech companies. Founded in 2018 as the world's first payroll API, Pinwheel provides the infrastructure layer that enables financial institutions to seamlessly connect to payroll systems and deliver modern banking experiences.

The company's platform covers over 80% of US workers and enables use cases across automated income verification, direct deposit switching, earned wage access, and bill payment management. Pinwheel's API integrates with 1,800+ payroll platforms and 40+ time-and-attendance systems, including partnerships with major providers like ADP, Workday, Paychex, QuickBooks, and SAP. The company serves leading brands including Robinhood, DoorDash, Credit Karma, American Express, Discover, Intuit, Acorns, and Visa, helping them win customer primacy through superior deposit and account activation solutions.

Pinwheel's mission is to create a fairer financial system by unlocking access to payroll data. Their products include Deposit Switch for seamless direct deposit switching, Verify for income and employment verification, Taxes for automated tax form retrieval, and Earnings Stream for real-time income insights. The company is SOC 2 Type 2 and ISO 27001 certified, and FCRA and PCI DSS Level 2 compliant, ensuring the highest standards of security and data protection.