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Embedded Orders

Use this guide to embed orders in your platform workflow.

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Overview

Follow the step-by-step guide below to use Truv Orders in your application for income and employment verification and other products

Summary of sequence diagram

The diagram below shows the overview of token and data exchanges. The sequence covers your application, Truv Bridge, your server and backend, as well as the Truv API. View the Steps section to get started.

  1. Create an order from your backend. In the response there will be a bridge_token to initiate the Truv Bridge.
  2. Initialize Truv Bridge in your application and pass the bridge_token to TruvBridge.init.
  3. Listen to the onSuccess and onClose callbacks from the order page to learn when a user has completed connecting their accounts.
  4. After the connections are initiated, webhook events begin to arrive.
  5. Make an API request to retrieve the order and fetch the data and reports.

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User can connect multiple accounts, and a user-level report is generated (e.g. for the mortgage use case). The provided report ID is GSE approved.

Authentication

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Note

Requests to Truv APIs must use HTTPS with TLS 1.2v encryption or higher.

All API requests require the X-Access-Client-Id and X-Access-Secret headers. These contain your Client ID and Access secret. These values are in your Truv Dashboard.

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Warning

The Client ID and Access secret may allow access to sensitive information. Store these in a secure and private place.

For API requests, the base URL https://prod.truv.com/v1/ is the same in each environment. Update the access key with the prefixes below for use with their respective environments.

  • sandbox
  • dev
  • prod

Steps

The steps below cover each action for setting up your Truv workflow.

1. Create an Order and a Bridge Token

Create an Order in the Truv backend to link different data providers. See the sample cURL request below.

curl --request POST \
     --url https://prod.truv.com/v1/orders/ \
     --header 'X-Access-Client-Id: {{client_id}}' \
     --header 'X-Access-Secret: {{access_key}}' \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '
{
  "first_name": "John",
  "last_name": "Doe",
  "ssn": "991919991"
  "products": [
    "income"
  ]
}
'

Retrieve a bridge_token from the API response. View the response sample below:

{
  "id": "39aa1486ccca4bc19cda071ffc1ba392",
  "products": [
    "income"
  ],
  "first_name": "John",
  "last_name": "Doe",
  "user_id": "99dd17074ac94aa9ace2621d657c7610",
  "bridge_token": "e4100fccdae94691b4414c7306220c06",
...
}

2. Initiate Truv Bridge

Using the Bridge Token, initialize the Truv Bridge in your user interface. Follow the example below and pass the Bridge Token to TruvBridge.init.

<script src="https://cdn.truv.com/bridge.js"></script>
<script>
  // Step 2 - Call backend to retrieve a bridge_token from Truv
  const bridgeToken = <%= Value returned by API call to create an order %>

  // Step 3 - Initialize Bridge
  const bridge = TruvBridge.init({
        isOrder: true,
        bridgeToken: bridgeToken,
    })
</script>

Callbacks

The functions in this table cover specific actions.

CallbackDescriptionRequired
onLoadTruv Bridge has finished loading order pageoptional
onEventTruv Bridge received an event from order page or connection widgetoptional
onCloseTruv Bridge closed the order pageoptional
onSuccessUser has successfully connected all accounts and clicked 'I'm done' buttonoptional

Payload format for the events:

{
   "type": "LOAD",
   "source": "order" | "bridge"
   "payload": {}, // Only present for source=bridge
}

For all supported event types and payloads refer to Event Reference For Truv Bridge

3. Test Credentials

Test your implementation using sample credentials. Refer to Testing or view the sample usernames and passwords below.

UsernamePasswordDescription
goodlogingoodpasswordFull time current employment
hourly.part-timegoodpasswordHourly part-time worker
multiple.employmentsgoodpasswordMultiple employments with different employers

4. Monitor webhooks

Webhooks to your server can help monitor and notify you of any connection attempts with Task status changes. Use user_idto match the webhook events with a specific order.

{
  "webhook_id": "17a80437ce23411dbfd656694d19a8c6",
  "event_type": "task-status-updated",
  "event_created_at": "2024-07-11T21:43:08.073930Z",
  "product": "income",
  "link_id": "d8a8945ee2b049b193110cfba643f5df",
  "user_id": "adbe707dddee4334bffaeb5866272740",
  "data_source": "payroll",
  "task_id": "871fef2e79ea444ea2019c8845305d31",
  "tracking_info": null,
  "status": "parse",
  "template_id": null,
  "updated_at": "2024-07-11T21:43:08.075540+00:00"
}

Once the user finishes connecting all their accounts the order level webhooks will be initiated:

{
  "webhook_id": "0aac461e7b774a38a72fd9c7c0eef8ee",
  "event_type": "order-status-updated",
  "event_created_at": "2024-07-11T21:40:48.424610Z",
  "product": "income",
  "link_id": "d8a8945ee2b049b193110cfba643f5df",
  "user_id": "adbe707dddee4334bffaeb5866272740",
  "data_source": "payroll",
  "order_id": "ddd192646b3c48be96651a0ff25cef85",
  "order_number": "4138538",
  "employer_id": "d7166cffbfef4bd6a9e830cf5508e615",
  "status": "completed",
  "template_id": null,
  "updated_at": "2024-07-11T21:40:48.424655+00:00"
}

5. Retrieve data

Use the permanent order_id to retrieve order details which will contain the data from all linked accounts and have a specific voie_report_id report ID which is accepted by GSE (Fannie Mae and Freddie Mac)

The JSON data below contains a sample payload.

{
  "id": "39aa1486ccca4bc19cda071ffc1ba392",
  "products": [
    "income"
  ],
  "source": "floify",
  "order_number": "1534332",
  "custom_field": "string",
  "first_name": "John",
  "last_name": "Doe",
  "user_id": "99dd17074ac94aa9ace2621d657c7610",
  "bridge_token": "e4100fccdae94691b4414c7306220c06",
  "share_url": "https://cdn.truv.com/employment.html?bridge_token=63b4af88facb40e48f517c1e8c7abdf4&order_group_id=39aa1486ccca4bc19cda071ffc1ba392",
  "created_at": "2021-04-21T21:45:14.418542Z",
  "updated_at": "2021-04-21T21:45:14.418542Z",
  "canceled_at": "2021-04-22T21:45:14.418542Z",
  "expired_at": "2021-04-24T21:45:14.418542Z",
  "is_expired": true,
  "initial_order": "f5dc0239e2094dbc90ab2edc1918a9df",
  "refresh_order": "9b96606355b94e8abff8ed8d75aa2027",
  "employers": [
    {
      "id": "ad9f14440d624ec3b0f66e81e44518c7",
      "product_type": "income",
      "status": "pending",
      "suborder_number": "133982343355",
      "created_at": "2021-04-21T22:12:59.346109Z",
      "bridge_token": "e4100fccdae94691b4414c7306220c06",
      "link_id": "e4100fccdae94691b4414c7306220c06",
      "access_token": "e4100fccdae94691b4414c7306220c06",
      "pdf_report": "https://citadelid-resources.s3-us-west-2.amazonaws.com/report.pdf",
      "data_source": "payroll",
      "provider": {
        "id": "truv_api",
        "name": "Sandbox Provider",
        "logo_url": "https://citadelid-resources.s3.us-west-2.amazonaws.com/providers/truv-blue.svg"
      },
      "is_suspicious": true,
      "start_date": "2019-08-24",
      "end_date": "2019-11-27",
      "company_name": "Facebook Demo",
      "company_address": {
        "street": "1 Hacker Way",
        "city": "Menlo Park",
        "state": "CA",
        "zip": "94025"
      },
      "company_domain": "facebook.com",
      "employments": [
        {
          "income": "70000.00",
          "income_unit": "YEARLY",
          "pay_rate": "6500.00",
          "pay_frequency": "M",
          "statements": [
            {
              "id": "24d7e80942ce4ad58a93f70ce4115f5c",
              "check_number": "29205182",
              "pay_date": "2018-05-15",
              "net_pay": "11500.32",
              "net_pay_ytd": "31980.64",
              "gross_pay": "13900.11",
              "gross_pay_ytd": "49200.00",
              "bonus": "100.00",
              "commission": "12000.00",
              "hours": "40.00",
              "basis_of_pay": "S",
              "period_start": "2018-05-01",
              "period_end": "2018-05-15",
              "regular": "1695.11",
              "regular_ytd": "23000.00",
              "other_pay_ytd": "700.00",
              "bonus_ytd": "1000.00",
              "commission_ytd": "24000.00",
              "overtime": "45.00",
              "overtime_ytd": "500.00",
              "other_pay": "60.00",
              "earnings": [
                {
                  "name": "Regular",
                  "amount": "1935.77",
                  "category": "regular",
                  "rate": null,
                  "units": null
                },
                {
                  "name": "Overtime",
                  "amount": "60.58",
                  "category": "overtime",
                  "rate": "30.29",
                  "units": "2"
                }
              ],
              "earnings_ytd": [
                {
                  "name": "Regular",
                  "amount": "1935.77",
                  "category": "regular",
                  "rate": null,
                  "units": null
                },
                {
                  "name": "Overtime",
                  "amount": "60.58",
                  "category": "overtime",
                  "rate": "30.29",
                  "units": "2"
                }
              ],
              "deductions": [
                {
                  "name": "Social Security Tax",
                  "amount": "127.01",
                  "category": "socialsec"
                },
                {
                  "name": "VA State Income Tax",
                  "amount": "46.23",
                  "category": "state"
                },
                {
                  "name": "Medicare Tax",
                  "amount": "29.7",
                  "category": "medicare"
                }
              ],
              "deductions_ytd": [
                {
                  "name": "Social Security Tax",
                  "amount": "127.01",
                  "category": "socialsec"
                },
                {
                  "name": "VA State Income Tax",
                  "amount": "46.23",
                  "category": "state"
                },
                {
                  "name": "Medicare Tax",
                  "amount": "29.7",
                  "category": "medicare"
                }
              ],
              "md5sum": "03639d6a6624f69a54a88ea90bd25e9d",
              "file": "https://citadelid-resources.s3-us-west-2.amazonaws.com/paystub_sample.pdf",
              "derived_fields": [
                "basis_of_pay"
              ],
              "missing_data_fields": [
                "earnings_ytd"
              ]
            }
          ],
          "annual_income_summary": [
            {
              "id": "24d7e80942ce4ad58a93f70ce4115f5c",
              "year": 2018,
              "regular": "23000.00",
              "bonus": "1000.00",
              "commission": "24000.00",
              "overtime": "500.00",
              "other_pay": "700.00",
              "net_pay": "31980.64",
              "gross_pay": "49200.00"
            }
          ],
          "bank_accounts": [
            {
              "account_number": "1234567890",
              "routing_number": "123456789",
              "account_name": "My Bank",
              "account_type": "C",
              "deposit_type": "A",
              "deposit_value": "200.00",
              "bank_name": "TD Bank"
            }
          ],
          "w2s": [
            {
              "file": "https://citadelid-resources.s3-us-west-2.amazonaws.com/W2_sample.pdf",
              "md5sum": "f65e30c39124ad707ac4b3aeaee923a7",
              "year": 2020,
              "wages": "900.50",
              "federal_tax": "75.01",
              "social_security_wages": "900.50",
              "social_security_tax": "56.30",
              "medicare_wages": "900.50",
              "medicare_tax": "13.15",
              "gross_pay": "18211.48"
            }
          ],
          "id": "24d7e80942ce4ad58a93f70ce4115f5c",
          "is_active": false,
          "job_title": "PR associate",
          "job_type": "F",
          "start_date": "2018-01-01",
          "original_hire_date": "2017-06-21",
          "end_date": "2024-07-16",
          "external_last_updated": "2024-07-16",
          "dates_from_statements": false,
          "derived_fields": [
            "is_active"
          ],
          "missing_data_fields": [
            "w2s"
          ],
          "manager_name": "Jenny McDouglas",
          "profile": {
            "id": "48427a36d43c4d5aa6324bc06c692456",
            "created_at": "2022-06-07T15:00:00Z",
            "updated_at": "2022-06-31T15:00:00Z",
            "first_name": "John",
            "last_name": "Doe",
            "full_name": "John Doe",
            "middle_initials": "K",
            "email": "[email protected]",
            "ssn": "123456789",
            "date_of_birth": "1992-03-03",
            "home_address": {
              "street": "1 Morgan Ave",
              "city": "Los Angeles",
              "state": "CA",
              "zip": "90210",
              "country": "US"
            }
          },
          "company": {
            "name": "Facebook Demo",
            "address": {
              "street": "1 Morgan Ave",
              "city": "Los Angeles",
              "state": "CA",
              "zip": "90210",
              "country": "US"
            },
            "phone": "6503087300",
            "ein": "12-345678"
          }
        }
      ]
    }
  ],
  "insurance": {
    "id": "ad9f14440d624ec3b0f66e81e44518c7",
    "product_type": "insurance",
    "status": "pending",
    "suborder_number": "133982343355",
    "created_at": "2021-04-21T22:12:59.346109Z",
    "bridge_token": "e4100fccdae94691b4414c7306220c06",
    "link_id": "e4100fccdae94691b4414c7306220c06",
    "access_token": "e4100fccdae94691b4414c7306220c06",
    "pdf_report": "https://citadelid-resources.s3-us-west-2.amazonaws.com/report.pdf",
    "data_source": "insurance",
    "provider": {
      "id": "truv_api",
      "name": "Sandbox Provider",
      "logo_url": "https://citadelid-resources.s3.us-west-2.amazonaws.com/providers/truv-blue.svg"
    },
    "is_suspicious": true,
    "provider_id": "geico"
  },
  "manager": {
    "email": "[email protected]",
    "name": "John Doe"
  },
  "financial_accounts": [
    {
      "id": "ad9f14440d624ec3b0f66e81e44518c7",
      "product_type": "transactions",
      "status": "pending",
      "suborder_number": "133982343355",
      "created_at": "2021-04-21T22:12:59.346109Z",
      "bridge_token": "e4100fccdae94691b4414c7306220c06",
      "link_id": "e4100fccdae94691b4414c7306220c06",
      "access_token": "e4100fccdae94691b4414c7306220c06",
      "pdf_report": "https://citadelid-resources.s3-us-west-2.amazonaws.com/report.pdf",
      "data_source": "financial_accounts",
      "provider": {
        "id": "truv_api",
        "name": "Sandbox Provider",
        "logo_url": "https://citadelid-resources.s3.us-west-2.amazonaws.com/providers/truv-blue.svg"
      },
      "is_suspicious": true
    }
  ],
  "loan": {
    "loan_number": "MUUT220700012",
    "originator_name": "John Doe",
    "originator_email": "[email protected]",
    "loan_processor_name": "John Doe",
    "loan_processor_email": "[email protected]"
  },
  "template_id": "9b96606355b94e8abff8ed8d75aa2027",
  "voie_report_id": "b19c454a98594b4084b71e3b62873d29",
  "voa_report_id": "b19c454a98594b4084b71e3b62873d29",
  "aim_check_report_id": "FM-1234-39aa1486ccca4bc19cda071ffc1ba392"
}

Data Refresh and Re-verification

Data refresh order can be created using Order Refresh endpoint.

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Note

Depending on the payroll system, user authentication may expire. For multi-factor authentication or one-time passcode (OTP) configurations, users may need to re-authenticate before data refresh can continue.

Updated about 1 month ago