Buy Now, Pay Later
Earned Wage Access
If you work for a lender, bank, or fintech, you can use Smile API to verify identity and income, review employment history, fast track applications, and inform credit approvals. Using employment and income data can result in better decisions, increased adoption and conversion, reduced cost, and lower risk. Permission to access their own data is given by each individual user, so they can seamlessly share this data with the parties they trust.
Instant access to the most recent, comprehensive, verified data about your users' identity, employment, and income, made available with their consent.
Get vetted identity information from current and previous employers such as name, birthday, gender, contact information, and address.
Get financial information, including account balances, previous transactions, and other relevant financial information.
Get previous employment history, including job title, job description status, tenure, employer names, and others.
Get historical, summarized income information such as base pay, gross pay, net pay, and other components that make up income.
Get past ratings or performance evaluations. Get date, ratings and related work performed. Rating can be a leading indicator for credit-worthiness.
Get documentary information such as ID cards, diplomas, certificates, and other types of documentary information owned by a person..
Get data on assets owned and used for employment such as vehicles, devices, equipment and others that may be useful for qualification and verification.
Get data on any outstanding liabilities such as the number and amount of any outstanding loans, the terms of the loans, and any amounts in arrears,
Contact us so we can assist you with understanding the API, how to implement it in your organization, and how to go live with Smile in your product or service. You can also subscribe to our Newsletter to get the latest updates on Smile.
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