Paycheck Linked Lending Testing

Test Paycheck Linked Lending (PLL) flows in sandbox using the credentials below. Pass product_type: pll on the bridge token, and search for Truv Payroll Provider in Truv Bridge. PLL testing is more behavioral than report-driven. Unlike VOIE and VOA, PLL produces a setup confirmation plus an ongoing stream of deduction events as the borrower’s paychecks land. Plan your sandbox tests around the lifecycle, not around a one-shot report.

For additional login fields, use Phone: (111)111-1111 and Email: goodlogin@domain.com.

Quick start

Credential	Provider	What you get
`goodlogin` / `goodpassword`	Truv Payroll Provider	Successful PLL link with the deduction routed to your test account

For the PLL integration architecture, see the PLL integration guide. For the product surface area and use cases, see the PLL product page.

Check coverage first

Before launching Bridge for a real borrower, call the Company Mapping endpoint with product_type: pll to get the success likelihood for the borrower’s employer. This is the same check you should run in production — sandbox returns a representative response so you can wire the flow.

curl --request GET \
  --url "https://prod.truv.com/v1/companies/mapping/?company_name=Walmart&product_type=pll" \
  --header 'X-Access-Client-Id: YOUR_TRUV_CLIENT_ID' \
  --header 'X-Access-Secret: YOUR_TRUV_CLIENT_SECRET'

Tenure-based eligibility scenarios

PLL eligibility commonly depends on the borrower’s tenure with their current employer — a minimum employment length (typically 12 months) is a frequent underwriting requirement. Use these credentials to validate your eligibility logic against sub-minimum-tenure borrowers.

Scenario	Credential	Returns
`PLL-T1`	`goodlogin.tn1` / `goodpassword`	Active employment with less than 12 months tenure — use to confirm your eligibility check correctly declines or routes this borrower
`PLL-T2`	`goodlogin.tn2` / `goodpassword`	Active employment with less than 12 months tenure (alternate profile when your QA matrix needs multiple sub-12-month test cases)

For your happy-path (eligible) case, use the standard goodlogin / goodpassword — the underlying profile has multi-year tenure that passes the typical 12-month threshold.

Error scenarios

PLL shares the universal authentication-error credentials. Use them to confirm your error handling and retry UX.

Scenario	Credential	Task status
`PLL-X1`	`goodlogin` / `mfa`	`mfa` → `done` (enter code `12345`)
`PLL-X2`	`error.user` / `login_error`	`login_error`
`PLL-X3`	`error.user` / `mfa_error`	`mfa_error`
`PLL-X4`	`error.user` / `account_locked`	`account_locked`
`PLL-X5`	`error.user` / `config_error`	`config_error`

See Task lifecycle for the full status reference.

What sandbox returns

A completed PLL task produces a deposit allocation setup confirmation (same shape as DDS — the underlying mechanism is the same) plus ongoing webhooks as payroll deposits land and Truv recognizes them as repayment events.

Sample webhook payload

{
  "webhook_id": "609a82aab21e4d9ba2569f35e9e8f26a",
  "event_type": "task-status-updated",
  "updated_at": "2026-04-26T13:02:20.369267+00:00",
  "task_id": "67f2924530564282bbaf6d27655e94a4",
  "link_id": "64f8e374949c4b769706028022626bf1",
  "product": "pll",
  "tracking_info": "your-loan-id",
  "status": "done"
}

Behavior and limitations

No PDF report

PLL’s deliverable is the setup confirmation plus the ongoing webhook stream — there is no PDF report to render or persist. Store the JSON setup response and the per-deduction events alongside your loan record.

Known sandbox gaps

Sandbox PLL coverage is lighter than VOIE / VOA / DDS:

There is no scripted way to simulate a missed paycheck or a borrower who loses their job during repayment. Validate those scenarios against your own webhook handler with simulated payloads.
There is no scripted way to simulate the borrower disconnecting their payroll connection mid-repayment. Use a real refresh failure (goodlogin / mfa_captcha on the original verification, then trigger a refresh) to approximate.

Next steps

PLL Integration

Full PLL implementation guide

PLL Product

Product overview and use cases

Company Mapping API

Run the PLL coverage check before launching Bridge

Webhook Events

Subscribe to ongoing deduction events

​Quick start

​Check coverage first

​Tenure-based eligibility scenarios

​Error scenarios

​What sandbox returns

​Behavior and limitations

​No PDF report

​Known sandbox gaps

​Next steps

PLL Integration

PLL Product

Company Mapping API

Webhook Events

Quick start

Check coverage first

Tenure-based eligibility scenarios

Error scenarios

What sandbox returns

Behavior and limitations

No PDF report

Known sandbox gaps

Next steps