Employment and Income Verification

Obtain first-party secure and untampered income data to reduce your lending risk

wallet Reduce costs by eliminating income and employment fraud

clock Enable a truly, fully digital process - Achieve higher conversion by having faster response times

Learn more about our potential Use Cases:

How Mistho Works

Users search for their payroll provider and logs in once. We retrieve the payroll data and securely and deliver it to you in a standardized format. Unlike Open Banking, our one-time access gives privacy assurance to your users.

Your Flow
How It works
How It works
How It works
Mistho App
How It works
Your Flow
How It works

Mistho easily seamlessly integrates into your user experience at any part of the process you'd like

Technology-enabled Solutions

Open Banking
Available
Up-to-date data
Unavailable
Possible Fraud
Unavailable
Only Total Income
Available
Enables fully-digital UX
Available
Large Cost Savings
Unavailable
Privacy: Continuous Data Stream

Our data is structured so you don’t have to do the work

Via our standard JSON output you get all the info you need securely stored on our servers and available only to you (even we can’t access). And even better if you need, you still receive all the original documents in PDF format.

  • Employee

Identity

Employment

Income Summary

Paystub

Identity

John Doe
Name
•••••1234
NI
123456A
Tax Code
johndoe@email.com
E-mail

Employment

Company Ltd.
Name
London Street
Address
EC4M 8AD
01/01/2021
Start date
£24,000
Annual Salary

Income Summary

August
Month
05
Tax Month
2,000
Salary
300
Bonus
-200
Tax
-100
N.I.
-50
Student Loan
1,950
Net pay

Payslip

31/08/2021
Pay Data
GBP
Currency
BACS
Payment Method
johndoe@email.com
E-mail
insert_drive_filePayslip 31.08.2021

Industry-Leading Coverage across UK and Europe, and expanding.

70%

Of Workforce

Privacy and Security are our priority. That's why, we are getting our GDPR and ISO20007 security certifications

Be notified on our progress
GDPR Logo

Pricing

Sandbox
Free of charge

Sandbox

Access our Sandbox to start building your product completely free of charge.

Pay per use
Fixed fee per API

Pay per use

For application with less than 2000 API calls per month our pay-per-use model is adequate and scales with your needs.

Enterprise grade
SAAS + fee per call

Enterprise grade

For our enterprise customers we offer more attractive offerings with lower cost per API call and minimum SAAS fees per month

Only successful API calls are chargeable