Employment and Income Verification
Obtain first-party secure and untampered income data to reduce your lending risk
Reduce costs by eliminating income and employment fraud
Enable a truly, fully digital process - Achieve higher conversion by having faster response times
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.
Mistho easily seamlessly integrates into your user experience at any part of the process you'd like
Technology-enabled Solutions
Legacy Solutions
| Mistho | Open Banking | Credit Agencies | Paper Documents |
|---|---|---|---|
 Up-to-date data | Up-to-date data |  Historical data | Up-to-date data |
Tamper-proof | Possible Fraud | Tamper-proof | Possible Fraud |
Granular Data | Only Total Income | Granular Data | Granular Data |
Enables fully-digital UX | Enables fully-digital UX | Slow, manual process | Slow, manual process |
Large Cost Savings | Large Cost Savings | Expensive Reports | Free, but unverified |
Privacy: One-time Access only | Privacy: Continuous Data Stream | Privacy: One-time Access only | Privacy: One-time Access only |
Technology-enabled Solutions
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
Employment
Income Summary
Payslip
Industry-Leading Coverage across UK and Europe, and expanding.
Privacy and Security are our priority. That's why, we are getting our GDPR and ISO20007 security certifications
Be notified on our progress
Pricing
Sandbox
Access our Sandbox to start building your product completely free of charge.
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
For our enterprise customers we offer more attractive offerings with lower cost per API call and minimum SAAS fees per month