> ## 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.
# Payroll Income
> Verify applicant income and employment directly from payroll providers
Verify income and employment by connecting directly to the applicant's payroll provider. This delivers the highest data quality -- verified pay history, employer details, and current employment status -- for lending decisions.
**Integration pattern:** [Bridge Widget](/developers/integration/bridge-widget/overview) | **Products:** VOIE | **Demo:** [Payroll Income](/developers/demos/consumer-credit/payroll-income)
***
## Get started
Clone and run the [Payroll Income demo](/developers/demos/consumer-credit/payroll-income) to see the full payroll income verification flow working locally.
```bash theme={null}
git clone https://github.com/truvhq/demo-apps.git
cd demo-apps
npm install && npm start
```
Open `http://localhost:5173`, select **Consumer Credit > Payroll Income**, and walk through a verification using sandbox credentials (`goodlogin` / `goodpassword`).
See [full setup instructions](/developers/quickstarts-overview#demo-apps) for ngrok and environment configuration.
The demo follows this sequence:
1. **Search for employer** -- Your server calls [GET /v1/company-mappings-search/](/api-reference/companies/company_autocomplete_search) to find the applicant's employer by name. The response returns a `company_mapping_id`.
2. **Create a user** -- Your server calls [POST /v1/users/](/api-reference/users/users_create) to create a Truv user.
3. **Create a bridge token** -- Your server calls [POST /v1/users/{id}/tokens/](/api-reference/bridge-token/users_tokens) with `product_type: "income"`, `data_sources: ["payroll"]`, and `company_mapping_id` to [deeplink](/developers/integration/bridge-widget/deeplinking) Bridge to the employer.
4. **Initialize Bridge** -- Your frontend opens [Truv Bridge](/developers/sdks/overview) with the `bridge_token`. The applicant connects their payroll account.
5. **Receive webhooks** -- Truv sends a `task-status-updated` [webhook](/api-reference/webhooks) when verification completes. Verify the signature using the `X-Webhook-Sign` header with HMAC-SHA256.
6. **Retrieve the VOIE report** -- Fetch the report with [POST /v1/users/{user_id}/reports/](/api-reference/user-income-and-employment-reports/users_reports). The report contains verified income and employment data from the payroll provider.
Each step maps to a specific file in the demo. Use these as reference when building your integration.
| Step | Demo file | API reference |
| --------------------- | -------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------- |
| Employer search | [`src/components/CompanySearch.jsx`](https://github.com/truvhq/demo-apps/blob/main/src/components/CompanySearch.jsx) | [Company Search](/api-reference/companies/company_autocomplete_search) |
| User creation | [`server/routes/bridge.js`](https://github.com/truvhq/demo-apps/blob/main/server/routes/bridge.js) | [POST /v1/users/](/api-reference/users/users_create) |
| Bridge token | [`server/routes/bridge.js`](https://github.com/truvhq/demo-apps/blob/main/server/routes/bridge.js) | [POST /v1/users/{id}/tokens/](/api-reference/bridge-token/users_tokens) |
| Bridge initialization | [`src/demos/PayrollIncome.jsx`](https://github.com/truvhq/demo-apps/blob/main/src/demos/PayrollIncome.jsx) | [Bridge SDK](/developers/sdks/overview) |
| Webhook verification | [`server/webhooks.js`](https://github.com/truvhq/demo-apps/blob/main/server/webhooks.js) | [Webhooks](/api-reference/webhooks) |
| Report retrieval | [`server/routes/user-reports.js`](https://github.com/truvhq/demo-apps/blob/main/server/routes/user-reports.js) | [Income reports](/api-reference/user-income-and-employment-reports/users_reports) |
***
## Consumer Credit-specific configuration
### Bridge token for payroll income
Set `data_sources` to `["payroll"]` to restrict Bridge to payroll connections only:
```json theme={null}
{
"product_type": "income",
"data_sources": ["payroll"],
"company_mapping_id": "COMPANY_MAPPING_ID"
}
```
Pass `company_mapping_id` from the [company search](/api-reference/companies/company_autocomplete_search) to deeplink Bridge directly to the employer's payroll provider. Without it, Bridge shows a generic employer search screen.
Payroll income uses `company_mapping_id` (not `provider_id`). The `provider_id` field is for financial institutions like banks. Passing the wrong identifier type causes Bridge to show a generic search screen.
### VOIE report
Payroll income verification returns a standard [VOIE report](/api-reference/user-income-and-employment-reports/users_reports) containing:
* Current and historical income (base pay, overtime, bonuses, commissions)
* Employment details (employer name, hire date, status)
* Pay frequency and YTD earnings
The `income` product type includes employment data automatically. You do not need to request `employment` separately.
***
## Next steps
Automatically recommend payroll, bank, or documents based on employer coverage
Fall back to bank transactions when payroll coverage is low
Full implementation guide for user creation, bridge tokens, and Bridge initialization
Skip the employer search when you already know the company