Argyle vs Payroll Engine

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.

Payroll Engine is an open-source framework for embedding payroll processing into larger software platforms. Released under the MIT License, it provides a backend that processes payroll data through a REST API and configurable regulation layers; country regulations are commercial. It supports time-stamped payroll data, recurring and non-recurring payruns, and reports for payslips, legal filings, or data exchange. Its API covers tenant and employee management, payrun jobs, result queries, report output, and backend event webhooks. A browser application manages tenants, employees, regulations, case data, payruns, reports, tasks, and developer logs. The .NET Client SDK includes typed REST clients, test runners, local script tools, and JSON schemas for regulation validation. A built-in test framework supports case validation, payrun assertions, and regression testing. The backend is designed for local or Docker Compose deployment, and a database must be provided separately. API key and OAuth authentication are supported but disabled by default; audit trails are also disabled by default unless configured. The maker says the backend is a service and should not be used on the public Internet.