EmpInfo
EmpInfo operates a US-based, three-sided Verification-as-a-Service platform that automates employment and income verification for commercial verifiers (lenders, landlords, screeners, government), employers, and employees via integrations with HR/payroll and loan origination systems.
- Company typePrivate
- Founded2011
- HeadquartersSan Jose, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What EmpInfo does
EmpInfo, Inc. is a US-based provider of automated employment and income verification, operating a Verification-as-a-Service (VaaS) platform headquartered in San Jose, California. The company connects three user segments — commercial verifiers (banks, mortgage lenders, auto finance companies, landlords, background screeners, and government agencies), employers (HR and payroll teams), and individual employees — through a cloud-based platform hosted on Amazon AWS. Its core technical stack integrates with HR and payroll systems (including Workday) on the supply side and with loan origination systems (including NetOxygen) on the demand side, exposing verification logic through both a web/batch interface and a real-time API. Security and compliance posture is a stated focus, with 256-bit AES encryption, one-way hashing of sensitive data, role-based authentication, and third-party SOC2 Type 2 audits by Ernst & Young and Deloitte, alongside FCRA NSCRA classification, PCI DSS, and CCPA compliance.
The business model is a multi-sided freemium and transaction-fee structure. Employers receive the platform at no cost because they supply the underlying employment and income data, which produces a network effect: more employer integrations attract more verifiers, and vice versa. Commercial verifiers pay per transaction via credit card, while enterprise customers (high-volume lenders and financial institutions) negotiate usage-based pricing for API and batch integrations. Employees access a free self-service portal for employment letters and authorization codes. Reported scale includes 25,000+ verifiers served, 3M+ applications processed cumulatively, $50B in loans funded through platform verifications, and thousands of verifications processed daily. Customer logos span financial services (Discover Home Loans, Prosper, Upgrade, LendingPoint, Open Road Lending, Roostify), real estate (Divvy Homes), healthcare (Mount Sinai, VitalConnect), education (Texas Christian University, University of Utah), and technology (Zoom, Square, Agilent, CA Technologies/Rally, Accuray). EmpInfo is privately held, backed by a 2018 funding round led by Array Ventures with participation from CreditEase, Firebolt Ventures, KAAJ Ventures, and Global Fintech, and has no subsequent disclosed financing. The company operates exclusively in the United States.
EmpInfo firmographics
Firmographics- Name
- EmpInfo
- Legal name
- EmpInfo, Inc.
- Website
- https://empinfo.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- EmpInfo operates a US-based, three-sided Verification-as-a-Service platform that automates employment and income verification for commercial verifiers (lenders, landlords, screeners, government), employers, and employees via integrations with HR/payroll and loan origination systems.
- Ownership category
- akta.pro rank
EmpInfo industry classification
Industry- Product category
- Employment & Income Verification Software
- NAICS
- Payroll Services (541214), Investigation and Personal Background Check Services (561611), Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121)
- SIC
- Services-Employment Agencies (7361), Finance Services (6199)
- akta.pro primary industry
- Income & Employment Verification (VOI/VOE, payroll-linked data) (FSAGACAE)
- akta.pro secondary industries
- Underwriting Automation & Income/Employment Verification (FSAGAHAD), Identity Verification & Digital ID (IDV, eIDAS, biometrics) (FSAGAFAA), Payroll, Contractor Payments & SME HR Finance (FSAGAJAI), Digital Account Opening & Onboarding (eKYC, eSignature, Origination) (FSAGAAAB)
Keywords
Where EmpInfo is headquartered
LocationHeadquarters
- HQ city
- San Jose
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
EmpInfo business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Verifier Transaction Fees: Verifiers (banks, mortgage lenders, landlords, background screening firms) pay for verification services. Credit card processing via Authorize.net with PCI DSS compliance.
- Free Employer Platform: Employers receive the platform at no cost as they provide the employment and income data. This creates the data network effect for verifiers.
- Enterprise API/Batch Services: Enterprise customers (lenders, financial institutions) pay for volume API and batch processing services with customized pricing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free for employers - they provide data, not pay for service |
| Transaction based/ take rate | Pay-as-you-go | Standard verifier pricing with credit card payment |
| Usage-based | Pay-as-you-go | Enterprise API and batch processing |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels7 records
EmpInfo product offering
Product offeringCore offering
EmpInfo operates a Verification-as-a-Service (VaaS) platform that automates employment and income verification for any applicant working for any US employer. The platform connects verifiers (banks, mortgage lenders, auto finance firms, landlords, background screeners, and government agencies) with employers' HR and payroll data through web/batch interfaces and APIs, providing instant, consent-based verification with employee control over data access.
Product overview
EmpInfo offers a unified Verification-as-a-Service (VaaS) platform that automates employment and income verification for the US market. The platform consists of a core VaaS engine with three main user-facing modules: the Verifier Portal (for banks, lenders, landlords, and government organizations), the Employer Dashboard (free for employers to automate verification responses), and the Employee Portal (for self-service access to employment letters and authorization codes). The platform also provides API and batch processing capabilities for enterprise integrations, with specialized features like the PSLF Solution for public sector employees. The system integrates with HR/Payroll systems and loan origination systems to enable instant, secure verification processing.
Differentiator
Problem solved
Functional benefit
Products and services
- Verification-as-a-Service (VaaS) Platform Core cloud-based platform that automates employment and income verification for any US employer. Connects commercial verifiers, employers, and employees through web/batch interfaces and APIs with consent-based data sharing, role-based authentication, and SOC2 Type 2 audited security controls.
- Public Service Loan Forgiveness (PSLF) Solution Specialized solution that streamlines Public Service Loan Forgiveness (PSLF) form completion and submission for employers and qualifying employees, reducing manual paperwork and turnaround time for loan forgiveness processing.
Quantifiable outcome
- 25,000+ verifiers served on the platform
- +3 more outcomes
Companies that use EmpInfo
Customer profileNamed customers17 records
Segments4 records
Ideal customer profiles3 records
EmpInfo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature5 records
EmpInfo partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- Ernst & YoungcorePerforms third-party SOC2 Type 2 audits of EmpInfo's security controls and compliance environment.
- DeloittecorePerforms third-party SOC2 Type 2 audits of EmpInfo's security controls and compliance environment.
- NetOxygencoreLoan Origination System (LOS) integration partner. EmpInfo integrates with NetOxygen enabling seamless verification processing within the loan origination workflow for lenders.
- WorkdaycoreHR system integration partner. EmpInfo has integrated with Workday for smooth data connection and automated employment verification processing.
- Authorize.netcorePayment processing partner for securely processing credit card transactions from verifiers. Provides PCI DSS compliant payment processing.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
EmpInfo competitors and assessment
Company assessmentBroad incumbents
- Plaid: Plaid is a broad open banking and consumer financial data platform that has expanded into income/employment data via Plaid Income. Its scale and lender integrations make it an adjacent competitor to EmpInfo's verification product, especially in digital lending workflows.
- Sterling: Sterling is an established background screening and identity services provider offering employment verification as part of its suite. It competes with EmpInfo for enterprise verifier customers in HR and talent-related use cases.
- The Work Number (Equifax): Operated by Equifax, The Work Number is the largest U.S. employment and income verification database with millions of employer payroll records. It is the dominant incumbent that EmpInfo competes against for VOI/VOE in lending, background screening, and government use cases.
Emerging players
- Veriff: Veriff is an identity verification provider that complements or competes with the identity and authentication layers of employment verification. It overlaps where EmpInfo handles verifier authentication and consumer identity validation within its workflow.
- Checkr: Checkr is a leading background check platform that increasingly bundles employment verification into its product suite. It is comparable as an enterprise verifier-facing platform serving overlapping end customers (lenders, employers, gig economy platforms).
- TazWorks: TazWorks is a background screening platform serving independent background screening firms, often including employment verification capabilities. It is comparable as part of the verifier ecosystem that EmpInfo serves and competes with at the screening-firm layer.
Direct peers
- Truework: Truework is a direct competitor offering employment and income verification primarily to mortgage lenders, with a network of employer integrations. It overlaps with EmpInfo's verifier-facing offering and serves many of the same bank, lender, and mortgage customers.
- Pinwheel: Pinwheel offers payroll-linked income and employment data through a consumer-permissioned API, used by lenders, banks, and consumer finance apps. It is a direct competitor in payroll-driven verification, taking a different consumer-consent approach versus EmpInfo's employer-direct model.
- Argyle: Argyle provides real-time income and employment verification via consumer-permissioned payroll connections, primarily serving consumer lenders. It competes with EmpInfo on VOI/VOE for fintech and online lending customers.
Regional players
- Yardi (Renter's Journey / screening): Yardi provides tenant screening and income/employment verification solutions primarily for the real estate and property management industry. It overlaps with EmpInfo's landlord and tenant screening use cases, particularly for property managers and landlords.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
EmpInfo social profiles
Digital presenceEmpInfo compliance and trust
Trust signalCompliance5 records
EmpInfo financial estimates
Financial estimateRevenue estimate
Valuation estimate
EmpInfo leadership team
Management profileNumber of profiles
Profiles4 records
EmpInfo funding detail
Funding detailFunding overview
Funding rounds1 record
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
EmpInfo 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 EmpInfo
What does EmpInfo do?
EmpInfo operates a Verification-as-a-Service (VaaS) platform that automates employment and income verification for any applicant working for any US employer. The platform connects verifiers (banks, mortgage lenders, auto finance firms, landlords, background screeners, and government agencies) with employers' HR and payroll data through web/batch interfaces and APIs, providing instant, consent-based verification with employee control over data access.
Is EmpInfo a public or private company?
EmpInfo is a private company. It is classified as venture growth investor backed and is currently operating.
When was EmpInfo founded?
EmpInfo was founded in 2011. It employs 11 to 50 people.
Where is EmpInfo based?
EmpInfo is headquartered in San Jose, United States, in the North America region.
How does EmpInfo make money?
Three revenue lines are on record. Verifier Transaction Fees are the primary driver. The others are free Employer Platform and enterprise API/Batch Services.
Who are EmpInfo's main competitors?
Broad incumbents on record are Plaid, Sterling and The Work Number (Equifax). Emerging players are Veriff, Checkr and TazWorks. Direct peers are Truework, Pinwheel and Argyle. Yardi (Renter's Journey / screening) is listed as a regional player.
Does EmpInfo have an API?
Yes. EmpInfo provides a Seamless API interface for real-time verification processing. The platform supports both web/batch interface for uploading batch files to process multiple applicants, and API integration for direct system connectivity. Verifiers can send verification requests directly and receive responses quickly, with analytics available for reports, efficiency measurement, performance tracking, and order status monitoring.
What industry is EmpInfo in?
EmpInfo's product category is Employment & Income Verification Software. Its primary akta.pro industry code is FSAGACAE, Income & Employment Verification (VOI/VOE, payroll-linked data), with a secondary code of FSAGAHAD, Underwriting Automation & Income/Employment Verification. Its NAICS code is 541214 and its SIC code is 7361.