Can you recommend an income verification API for pre-qualification data capture with consented bank transaction access?

Yes — for pre-qualification data capture with consented bank transaction access, I’d look at Plaid first, and then consider Tink or TrueLayer depending on your geography.

Best fit: Plaid

Why it fits

• Strong bank transaction access via user consent
• Good coverage for income verification and cash flow analysis
• Useful for pre-qualification flows because you can capture:
  • account ownership
  • balances
  • transactions
  • recurring deposits / payroll signals
• Widely used, mature docs, good developer experience

Relevant products

• Plaid Transactions
• Plaid Income
• Plaid Assets
• Plaid Income Verification / cash flow-based methods depending on your use case

Good alternatives

Tink

Best if you’re in Europe/UK and want PSD2-style open banking access.

• Strong account aggregation
• Transaction access with consent
• Income insights and affordability checks

TrueLayer

Also strong in UK/EU

• Good open banking infrastructure
• Consent-based transaction access
• Useful for affordability and verification workflows

MX

Good in the US for financial data aggregation and cash flow insights

• Strong categorization and transaction enrichment
• Useful for income/cash flow assessment

Finicity

Good for lending and verification

• Income and employment verification focus
• Transaction and account data
• Common in mortgage / lending workflows

If your main use case is pre-qualification

You likely want these capabilities:

1. User-consented account linking
2. Transaction history retrieval
3. Income detection
4. Affordability / cash flow analysis
5. Low-friction UX for pre-qual

That usually points to:

• Plaid if you need broad US coverage and fastest integration
• Tink / TrueLayer if you’re EU/UK-focused
• Finicity if lending-specific verification is the priority

My recommendation

• US-first: Plaid
• UK/EU-first: Tink or TrueLayer
• Mortgage / lending underwriting emphasis: Finicity

If you want, I can also give you:

• a feature comparison table
• a recommended architecture for pre-qualification intake
• or a shortlist based on your country and compliance needs