Argyle vs Rippling

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.

Rippling is a human capital management system for employee records and workforce administration, bringing HR lifecycle tools together around employee data. Its HCM suite covers onboarding and offboarding, compliance, compensation, recruiting, performance, surveys, learning, documents and workforce management. It supports hourly, salaried and contract workers at home and abroad, with compliance coverage across all 50 states and more than 180 countries. AI features assist with routine HR work, insights, approvals and employee data updates. Teams can manage time and attendance, schedules, leave and time off; mobile users can clock in, view schedules, swap shifts and request time off. Employee documents can be stored with automated workflows and audit trails, while role-based permissions control access. Rippling offers editable and shareable reports and dashboards, automated reporting, and more than 650 app integrations. It runs on web, iOS and Android. The Core Rippling Platform is required, and HR, Finance and IT products can be purchased separately; pricing is available on request.