Argyle vs Employment 360

Argyle provides income, employment, and asset verification using information consumers authorize it to obtain from payroll, bank, and document sources. Consumers can share current payroll and employment details, connect bank accounts to verify assets and income deposits, or upload paystubs and W-2s for processing. Doc VOI extracts income information and submits it to Freddie Mac’s AIM Check. The API offers standardized reports, granular datasets, real-time visibility, webhook alerts, and REST integration. Argyle names integrations for point-of-sale systems and mortgage loan origination systems, and is an authorized supplier for Fannie Mae’s Desktop Underwriter validation service and an approved provider for Freddie Mac AIM. The company says it covers about 90% of the U.S. workforce and returns more than 170 income data fields with supporting documents. Implementation can use the browser-based Argyle Console or a custom API integration. Argyle lists SOC 2 Type II, ISO 27001, RSA 4096 encryption, SHA-256 signing, and annual independent security audits. Pricing is on request.

Employment 360 is Cashfree Payments’ employee background verification solution, checking employment details against EPFO databases. Businesses can submit a phone number, UAN, PAN or combinations of those inputs. Results may include a person's name, gender, UAN, phone number and masked Aadhaar details, plus latest and past employer information such as member ID, establishment ID, relieving date and registered employer name. Additional returned data may include phone number, email address, bank account and IFSC code. The product page describes retrieval as real-time and says the end user does not need to intervene. Businesses can work through a dashboard or integrate the developer-friendly API into their own platform; API documentation is linked from the product page. Cashfree lists banks and NBFCs, lending, background checks and employee onboarding as use cases. Coverage is domestic, the source is government data, and typical turnaround is instant. Cashfree launched in 2015. Its privacy policy lists ISO/IEC 27001:2022, PCI-DSS v4.0.1 and SOC 2 standards and certifications, and notes that no internet transmission or electronic storage method is completely secure. Pricing is on request.