← Embedded Finance Index 2026/Vendor

Pinwheel

Provider
Unified Payroll/HRIS

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 5 companies across 1 category.

pinwheel.com ↗Also analysed as a company — its own stack →Open Banking Tracker profile ↗
CategoriesUnified Payroll/HRIS
Rank#7 of 21 in Unified Payroll/HRIS
Buyers5 companies
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Who uses Pinwheel
5 companies disclose Pinwheel in their stack
LendAPIPerpayGoogle PixelLendlyMotorola
Buyer mix · 5 of 5 classified
E-commerce / Platform · 1Fintech / Consumer lending · 1Fintech / Lending · 1Hardware / Consumer Electronics · 1Infrastructure / Lending · 1
US · 5
What the disclosures say
LendAPI
“The income verification marketplace page lists Truv, Pinwheel, and The Work Number by Equifax as data providers for employment/income verification — these are KYC/underwriting data integrations, not payroll infrastructure LendAPI operates.”
Perpay
“Pinwheel case study (pinwheelapi.com) explicitly names Perpay: 'Pinwheel's paycheck linked lending solution removed friction from Perpay's customer journey, leading to increased conversion and repayment rates.' Perpay homepage confirms repayments made via payroll direct deposit.”
Google Pixel
“Pinwheel lists Google Pixel as a customer — Pinwheel is a payroll/income data connectivity platform (unified_apis.payroll_hris).”
Lendly
“The Pinwheel case study describes Lendly as 'an authorized servicer of a bank,' consistent with a bank-as-lender / servicer structure where Capital Community Bank is the originating bank.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Pinwheel? Claim this profile above to unlock your own full list.
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Alternatives to Pinwheel

Other Unified Payroll/HRIS providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Finch44 buyers →Apideck9 buyers →Argyle8 buyers →Atomic7 buyers →Remote7 buyers →Merge5 buyers →ADP4 buyers →Array4 buyers →
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Ranked #7 of 21 in Unified Payroll/HRIS — Embedded Finance Index 2026
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