> ## Documentation Index
> Fetch the complete documentation index at: https://docs.truv.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Smart Login

> Truv Smart Login presents the best authentication method for each user to maximize deposit switch and PLL conversion

Truv's Smart Login has business logic in place to present the best authentication method with the highest likelihood of success based on:

* Employer selected
* Historical successes
* Payroll system compatibility

***

## Authentication methods

<CardGroup cols={2}>
  <Card title="Native OAuth" icon="arrow-right-arrow-left">
    In-bridge redirect to payroll provider. A Truv patented solution available across some of the largest provider integrations to increase coverage and leverage password managers.
  </Card>

  <Card title="Single Sign-On (SSO)" icon="key">
    Leverage employee credentials to access payroll systems. Truv has integrations to 64 SSO systems, enabling customers to log in the same way they do at work.
  </Card>

  <Card title="Credential-less Login" icon="shield-check">
    Leverage trusted phone or email for one-time passcode. Currently supported by ADP and Paycom.
  </Card>

  <Card title="AppClip & Instant App" icon="mobile">
    For employers behind VPNs: iOS uses Apple's AppClip, Android uses Instant App. QR codes available for desktop users.
  </Card>

  <Card title="Mapped Payroll" icon="map">
    Truv maps over 300,000 employers to payroll providers so customers don't need to make that selection.
  </Card>

  <Card title="Unmapped Payroll" icon="magnifying-glass">
    For unmapped employers, Truv recommends providers based on historical data and employer size distribution.
  </Card>
</CardGroup>

***

## Fallback options

When primary authentication paths are unavailable, Truv provides fallback options for Deposit Switch and Paycheck Linked Lending flows:

<AccordionGroup>
  <Accordion title="eSigned PDF" icon="file-signature">
    Customers can generate a prefilled, e-signed PDF with account number, routing number, and allocation information to download and send to HR.
  </Accordion>

  <Accordion title="Manual Entry" icon="keyboard">
    Truv displays the customer's account number, routing number, and bank details so they can manually enter the information in their payroll system.
  </Accordion>
</AccordionGroup>

***

## Why this matters for banking

Smart Login is particularly important for Deposit Switch and Paycheck Linked Lending because:

* **Higher conversion**: Presenting the right login method first reduces drop-off during the payroll authentication step
* **Broader coverage**: Multiple authentication paths mean more employers are supported, expanding your eligible customer base
* **Fallback safety net**: Even if a direct connection fails, eSigned PDF and manual entry options ensure the member can still complete the flow
* **Reduced support burden**: Fewer authentication failures mean fewer support tickets and better member experience

***

## Next steps

<CardGroup cols={2}>
  <Card title="Direct Deposit Switch" icon="arrow-right-arrow-left" href="/banking/integration/dds">
    Implement Direct Deposit Switch
  </Card>

  <Card title="Paycheck-Linked Loans" icon="money-bill" href="/credit/integration/pll">
    Implement Paycheck Linked Lending
  </Card>
</CardGroup>