Data Processing

API Reference

Platform

Income & Employment

Financial Accounts

Document Processing

Direct Deposit Switch

Insurance Verification

Truv processes verification data in sequential stages. Each stage produces progressively more data. Large documents and certain formats may require longer processing times.

Processing stages

Stage	Approximate time	Description
`login`	< 10 seconds	User authentication with payroll provider
`mfa`	10–30 seconds	Payroll provider multi-factor authentication request from user
`parse`	~30 seconds	Collecting basic information about identity, employment, and list of paystubs with pay dates
`full_parse`	< 45 seconds, up to 5 minutes	Downloading and parsing paystubs, W-2s, and income sources. Data processing continues in the background after successful authentication and closing Truv Bridge
`switch_deposit`	~30 seconds	Updating pay allocations and specified distributions within user account

Median stage times

Processing durations are approximations and may vary.

Login: 5 to 15 seconds
Parse: 30 to 60 seconds (Base parsing)
Full parse: 1 to 5 minutes

Each task has a maximum limit of 20 minutes to complete.

Data available at each stage

Stage	Data available
Login	—
Base parse	Identity, Employment, List of paystubs with pay dates
Full parse	Paystubs, Parsed income, W-2s, Bank accounts

When using VOIE endpoints, data from the base parse is available without waiting for full parse to complete. Use webhooks or the Tasks API to track progress.