Payscore
Payscore is a Seattle-based PropTech company that automates bank-verified income and identity verification for residential property managers, consumer lenders, vehicle lenders, and tenant screening companies, distributing via API integrations with all major U.S. property management software platforms.
- Company typePrivate
- Founded2017
- HeadquartersSeattle, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Payscore does
Payscore is a Seattle-based PropTech company founded in October 2017 (originally as The Closing Docs, rebranded in January 2023) that provides automated income and identity verification for property managers, lenders, and tenant screening companies. The platform connects applicants' bank and payroll accounts to generate 100% bank-verified income reports, eliminating document fraud in the rental and lending application process. Payscore's technology aggregates data through Envestnet | Yodlee with coverage across 99% of North American financial institutions and over 20,000 financial institutions globally, supporting government IDs from 200+ countries. The platform includes proprietary classification algorithms for recurring versus non-recurring income detection, pay gap analysis, duplicate account identification, business versus personal account classification, and name mismatch detection, alongside biometric identity verification with selfie comparison.
Payscore generates revenue primarily through per-report fees for income verification reports delivered via API, dashboard, or embedded widget to property management software companies, property managers, tenant screening firms, and lenders. Its go-to-market is API-first, with native integrations into all major U.S. property management platforms including Yardi, RealPage, Entrata, AppFolio, ResMan, and DoorLoop, supplemented by a self-serve offering for direct customers. The company sells across multiple customer segments—residential property managers (primary), consumer lenders, vehicle lenders (over 2,500 motorsports dealerships), affordable housing operators, PMS companies, and tenant screening firms—with reported reach across 700,000+ properties. Pricing is not publicly disclosed, though the company offers free trials and uses a freemium onboarding model. The company is privately held and venture-backed, having closed one disclosed funding round in March 2023 led by ff Venture Capital with participation from SeaChange Fund, Hamilton Ventures, and Alliance of Angels.
Payscore firmographics
Firmographics- Name
- Payscore
- Legal name
- Payscore Inc.
- Website
- https://payscore.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Payscore is a Seattle-based PropTech company that automates bank-verified income and identity verification for residential property managers, consumer lenders, vehicle lenders, and tenant screening companies, distributing via API integrations with all major U.S. property management software platforms.
- Ownership category
- akta.pro rank
Payscore industry classification
Industry- Product category
- Income Verification Software
- NAICS
- Credit Bureaus (56145)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Income & Employment Verification (VOI/VOE, payroll-linked data) (FSAGACAE)
Keywords
Where Payscore is headquartered
LocationHeadquarters
- HQ city
- Seattle
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Payscore business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Income Verification Reports: Payscore charges for income verification reports delivered to property managers, property management software companies, tenant screening companies, or lenders. Reports can be delivered via API, dashboard, or embedded widget.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free Trial Available |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Payscore product offering
Product offeringCore offering
Payscore provides automated income and identity verification by connecting applicants' bank or payroll accounts to generate bank-verified income reports for property managers and lenders. The platform delivers reports via API, dashboard, or embedded widget through integrations with major property management software (Yardi, RealPage, Entrata, AppFolio, ResMan, DoorLoop). It eliminates pay stub fraud, captures gig and irregular income streams, and supports household income aggregation across multiple applicants.
Product overview
Payscore is a cloud-based PropTech platform offering automated income and employment verification and identity verification as core products. The primary Income and Employment Verification product connects applicants' bank or payroll accounts to generate 100% bank-verified income reports, while the Identity Verification module provides government ID validation with biometric comparison. Both capabilities are delivered through the Payscore Platform via dashboard, API integration with property management software (Yardi, RealPage, Entrata, AppFolio, ResMan, DoorLoop), or embedded widget. Reports cover up to 12 months of income history including recurring deposits, non-recurring income, account balances, and employment verification.
Differentiator
Problem solved
Functional benefit
Products and services
- Income and Employment Verification
Quantifiable outcome
- Up to 20% increase in rental application approval rates compared to credit-only screening
- +6 more outcomes
Companies that use Payscore
Customer profileNamed customers7 records
Segments6 records
Ideal customer profiles4 records
Payscore technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
AI capability4 records
Feature8 records
Payscore partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- DoorLoopcoreIntegration partnership announced at Apartmentalize 2026. DoorLoop is an AI-native property management software provider. The integration embeds Payscore's real-time income verification into DoorLoop's tenant screening workflow for multifamily housing operators.
- RealPagecoreIntegration bringing automated income and identity verification directly into the RealPage platform. Announced February 2026.
- EntratacoreFull integration with Entrata, one of the most widely used property management platforms in the industry.
- YardicoreIntegration accelerates income verification for Yardi user community. Reduces prospect review time and elevates accuracy.
- ResMancoreIntegration embedded in ResMan to reduce delinquency and treat non-traditional earners fairly while providing a seamless user experience.
- AppFoliocoreProperty management software integration that allows automatic sending of invites and upload of reports directly within AppFolio.
- Envestnet | YodleecoreThird-party data aggregation service used to process bank credentials and retrieve financial data. Yodlee collects bank data and provides it to Payscore.
- Alliance 2020minorTenant screening company that added Payscore automated income verification to their portfolio of services via TazWorks platform integration.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
Payscore competitors and assessment
Company assessmentDirect peers
- Truework: Truework provides automated income and employment verification primarily for mortgage lenders, consumer lenders, and tenant screening — directly competing with Payscore's VOI/VOE product on the lender side of Payscore's customer base.
- Pinwheel: Pinwheel offers payroll-linked income and employment data APIs for lenders, fintechs, and background-screening platforms. Competes directly with Payscore in delivering verified income to consumer-lending and tenant-screening use cases.
- Argyle: Argyle provides real-time income and employment verification sourced directly from payroll providers, with a strong emphasis on gig and non-traditional earners. Directly comparable to Payscore's bank-data verification approach, especially in the vehicle-lending and rental verticals.
Broad incumbents
- Plaid: Plaid is the dominant U.S. bank-data aggregator with growing income, employment, and identity verification products. Payscore relies on Plaid's competitor (Yodlee) for data, and Plaid represents the most credible threat of vertical integration into Payscore's core use case.
- Equifax Workforce Solutions (The Work Number): The Work Number is the dominant U.S. employment and income verification database for mortgage and consumer lending. As Payscore expands into consumer and vehicle lending, it directly competes against Equifax's entrenched VOE platform with much greater scale.
- Envestnet | Yodlee: Yodlee is one of the largest U.S. bank-data aggregators and is also Payscore's primary upstream data supplier. It competes broadly with Plaid and offers its own income-verification capabilities to financial institutions, representing both a key partner and competitive risk.
- TransUnion SmartMove: TransUnion SmartMove is a tenant-screening service used by independent landlords and small property managers, combining credit, background, and income data. Overlaps directly with Payscore's tenant-screening customer segment and competes via an established brand.
- Experian RentBureau: Experian's RentBureau aggregates rental payment and screening data, and Experian broadly competes in credit reporting and identity verification — directly adjacent to Payscore's FCRA consumer-reporting and identity-verification offerings.
- CoreLogic: CoreLogic provides real-estate data, analytics, and decisioning to mortgage lenders and property managers. As property managers digitize leasing workflows, CoreLogic's data assets and lender relationships position it to add or acquire income-verification capability adjacent to Payscore's product.
Emerging players
- Checkr: Checkr is a leading background-check API used across gig, consumer, and tenant screening. Adjacent to Payscore — both are API-first screening data providers — and could expand into automated income verification as a feature of its screening product.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Payscore social profiles
Digital presencePayscore compliance and trust
Trust signalCompliance2 records
Payscore financial estimates
Financial estimateRevenue estimate
Valuation estimate
Payscore leadership team
Management profileNumber of profiles
Profiles2 records
Payscore funding detail
Funding detailFunding overview
Funding rounds1 record
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Payscore M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Payscore
What does Payscore do?
Payscore provides automated income and identity verification by connecting applicants' bank or payroll accounts to generate bank-verified income reports for property managers and lenders. The platform delivers reports via API, dashboard, or embedded widget through integrations with major property management software (Yardi, RealPage, Entrata, AppFolio, ResMan, DoorLoop). It eliminates pay stub fraud, captures gig and irregular income streams, and supports household income aggregation across multiple applicants.
Is Payscore a public or private company?
Payscore is a private company. It is classified as venture growth investor backed and is currently operating.
When was Payscore founded?
Payscore was founded in 2017. It employs 11 to 50 people.
Where is Payscore based?
Payscore is headquartered in Seattle, United States, in the North America region.
How does Payscore make money?
One revenue line is on record: income Verification Reports.
Who are Payscore's main competitors?
Direct peers on record are Truework, Pinwheel and Argyle. Broad incumbents are Plaid, Equifax Workforce Solutions (The Work Number), Envestnet | Yodlee, TransUnion SmartMove, Experian RentBureau and CoreLogic. Checkr is listed as an emerging player.
Does Payscore have an API?
Yes. Payscore provides an API to embed income and identity verification into any workflow or website through an embedded widget. The API allows partners to receive income verification reports via webhook when an applicant completes screening. Setup can be completed in less than 5 minutes with a code snippet for integration. Reports are delivered via API or dashboard and can be downloaded as PDF. Developer documentation is at docs.payscore.com.
What industry is Payscore in?
Payscore's product category is Income Verification Software. Its primary akta.pro industry code is FSAGACAE, Income & Employment Verification (VOI/VOE, payroll-linked data). Its NAICS code is 56145 and its SIC code is 7320.