EarnIn API integration services (earned wage access & OpenFinance)

Cash Out advance API

Returns each $50/$100/$150 daily Cash Out, the chosen Lightning Speed fee, optional tip, the linked checking account masked tail, and the destination bank (Lead Bank or Evolve Bank & Trust). Use it for payday-cycle reconciliation, fraud-rules training data, or showing employees a clean repayment-deduction view.

Earnings & available-balance API

Surfaces the "amount earned today" figure EarnIn calculates from timesheets and direct-deposit history, plus the per-pay-period limit ($1,000 cap). Drives in-app advance offers in HRIS portals or BNPL underwriting.

Early Pay paycheck events

The 2025 Early Pay product, announced via PYMNTS, delivers paychecks up to two days early into a Lead Bank or Evolve Bank deposit account. Our wrapper exposes the deposit timestamp, expedited-fee flag, and ACH metadata for cashflow-forecasting tools.

Balance Shield smart-transfer feed

Captures the low-balance threshold the user set, the alert that fired, and any automatic transfer EarnIn sent from earned wages to head off an overdraft. Useful for budgeting apps and treasury/HR dashboards comparing overdraft-avoidance impact.

Tip Yourself savings ledger

Reads each scheduled savings transfer, the goal label, and the running balance held at Evolve Bank & Trust (0% APY). Plug into financial-wellness scorecards or net-worth aggregators.

VantageScore 3.0 monitoring snapshot

Pulls the free Experian VantageScore 3.0 score and last-refresh date EarnIn shows in-app, so credit-monitoring dashboards or lender prequalification flows can ingest the same number the user already sees.

Deliverables checklist

• OpenAPI / Swagger spec for every wrapped EarnIn flow
• Protocol analysis report: login, MFA, device-binding, token refresh
• Runnable source code in Python and Node.js (Cash Out, Early Pay, Balance Shield, Tip Yourself, VantageScore)
• Pytest / Jest harness with replay fixtures for sandboxed CI
• Compliance memo (CFPB Covered EWA criteria, state EWA licensing map, GLBA / CCPA notes)
• Postman collection & webhook receiver scaffolding

API example: Cash Out history (pseudocode)

POST /api/v1/earnin/cashout/history
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  "user_ref": "u_8f3a...",
  "from_date": "2026-03-01",
  "to_date":   "2026-03-31",
  "include_tips": true
}

200 OK
{
  "advances": [
    {
      "id": "co_01HXY...",
      "amount_usd": 100.00,
      "lightning_fee_usd": 3.99,
      "tip_usd": 1.00,
      "status": "settled",
      "destination_bank": "Lead Bank",
      "earned_basis": "timesheet+deposit",
      "settled_at": "2026-03-14T18:22:11Z"
    }
  ],
  "period_cap_usd": 1000.00,
  "period_used_usd": 450.00
}

Webhook example: Early Pay

POST {your_endpoint}
X-EarnIn-Signature: sha256=...
Content-Type: application/json

{
  "event": "early_pay.deposit_available",
  "occurred_at": "2026-04-26T09:14:00Z",
  "user_ref": "u_8f3a...",
  "scheduled_payday": "2026-04-28",
  "amount_usd": 1842.55,
  "expedited": true,
  "expedited_fee_usd": 2.99,
  "deposit_partner": "Evolve Bank & Trust"
}

1. Personal-finance aggregator unified ledger

A US PFM app already aggregates checking and credit cards via Plaid but wants the EarnIn-side view its users keep asking for. We pipe Cash Out advances, Early Pay deposits, Tip Yourself transfers, and Balance Shield events into the aggregator's transaction store, tagged with EarnIn-specific categories. The aggregator's net-cashflow chart now reflects EWA usage instead of leaving a gap between paydays.

2. Lender prequalification & affordability checks

A small-dollar lender needs evidence of recurring earned-wage activity before approving a $500 line. The integration returns 90 days of Cash Out history, the per-period cap utilization, the active VantageScore, and any Balance Shield interventions, so underwriters can score affordability without forcing the borrower through a separate Plaid handshake.

3. HR-tech & employer financial-wellness dashboards

An HRIS vendor that adopted EarnIn Payroll (the B2B product launched in 2025, per American Banker) wants to surface usage at the population level: how many employees use Cash Out, how often Balance Shield prevents an overdraft, average savings via Tip Yourself. We aggregate the relevant endpoints and emit anonymized rollups for the employer's wellness scorecard.

4. Accounting / bookkeeping sync for gig & hourly workers

Hourly and 1099 workers track Cash Out advances and tips for tax purposes. We map each EarnIn record to a QuickBooks / Xero journal entry — fees go to "service charges", tips to "optional service fees", repayments back to the linked checking account — eliminating manual CSV exports each pay period.

5. Risk & fraud monitoring webhook

A neobank partner wants to detect unusual same-day stacking across multiple EWA apps. Our webhook fires on every Cash Out, includes a hashed device signal, and lets the bank's risk engine correlate against Dave / Klover / MoneyLion / Brigit / Empower events received through similar wrappers, flagging stacking before the next ACH pull.

Authentication & session

POST /api/v1/earnin/auth/login
Content-Type: application/json

{
  "phone_e164": "+1...",
  "device_id":  "drv_...",
  "client_ts":  1714291200
}

200 OK -> { "challenge_id": "ch_...", "method": "sms_otp" }

POST /api/v1/earnin/auth/verify
{
  "challenge_id": "ch_...",
  "otp": "123456",
  "device_attestation": "..."
}

200 OK -> {
  "access_token": "...",
  "refresh_token": "...",
  "expires_in": 1800
}

Balance Shield event stream

GET /api/v1/earnin/balance-shield/events
Authorization: Bearer <ACCESS_TOKEN>
?since=2026-04-01T00:00:00Z&limit=100

200 OK
{
  "events": [
    {
      "type": "low_balance_alert",
      "fired_at": "2026-04-19T12:03:55Z",
      "linked_account_tail": "4218",
      "threshold_usd": 100.00,
      "balance_usd": 78.41
    },
    {
      "type": "auto_transfer_sent",
      "fired_at": "2026-04-19T12:04:01Z",
      "amount_usd": 50.00,
      "from": "earned_wages",
      "to_account_tail": "4218"
    }
  ],
  "next_cursor": "evt_01HXZ..."
}

Error handling & rate limits

HTTP 401 { "error":"token_expired", "hint":"refresh_then_retry" }
HTTP 409 { "error":"period_cap_reached", "cap_usd":1000.00 }
HTTP 423 { "error":"step_up_required", "step":"reauth_otp" }
HTTP 429 { "error":"rate_limited", "retry_after_s":30 }

# Suggested retry policy
- exponential backoff on 429 / 5xx (cap 60s)
- on 401: refresh once, then surface to user
- on 423: route user back to MFA, do not loop

About us

We are an independent technical service studio focused on App interface integration and authorized API integration for fintech, e-commerce, travel, and social apps. The team has shipped earned wage access, neobank, and open banking work for clients across North America, Europe, and Asia, with hands-on experience in Plaid, payroll-data providers, and bank-partner ACH plumbing.

• Earned wage access, cash advance, and small-dollar lending integrations
• OpenBanking / OpenFinance protocol analysis and authorized data extraction
• Custom Python / Node.js / Go SDKs, Postman collections, and CI replay harnesses
• Source code delivery from $300 — runnable API source code & full documentation; pay after delivery upon satisfaction
• Pay-per-call API billing — call our hosted endpoints, pay only for what you use, no upfront cost

Contact

To request a quote, share your target app and requirements, or kick off an EarnIn-specific integration:

Contact page

Tell us your engagement model preference (source-code delivery vs. pay-per-call API) so we can scope correctly on the first reply.

Engagement workflow

1. Scope confirmation: which EarnIn flows you need (Cash Out, Early Pay, Balance Shield, Tip Yourself, VantageScore, EarnIn Payroll).
2. Protocol analysis & API design — 2–5 business days, depending on flow count and MFA depth.
3. Build & internal validation — 3–8 business days; replay fixtures land in CI on day one.
4. Docs, samples, Postman collection, & compliance memo — 1–2 business days.
5. Typical first delivery: 5–15 business days; partner-bank or payroll-side dependencies may extend the timeline.

FAQ

What do you need from us to start?

How long does delivery take?

How do you handle EWA-specific compliance?

Can you bundle EarnIn with Dave, Klover, MoneyLion, etc.?