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Income

Smart data for lending

Leverage Mastercard’s open banking services and lend with confidence. Simple, quick, accurate—and smart. Our income verification data is constantly evolving to provide better results.

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Income includes

Financial institution for each account

Up to 24 months of deposit transactions

Average monthly income

Historical and estimated annual income

What makes us different

Your decisioning engine just got a lot more powerful

Lenders want better information and borrowers want a better experience. In seconds, our income verification service gives you up to twenty four months of accurate income history. 

Key benefits

  1. Easily identified and validated income streams 
  2. Mitigate risk with real-time data 
  3. Simple, intuitive consumer experience 
  4. Supplement existing decision models  

Key use cases

Mortgage

Personal Lending

Tenant Screening

Now imagine what you can do

More accurate, complete view of consumer’s income flow

Flexible income views for all lending segments

Meet consumers where they are digitally

Make better decisions 

Control costs of doing business

Income verification API

Check out our income verification API. Get started and test our APIs or view our documentation at Mastercard Developers.

Get API keys