Side by side
Mastercard Employment Verification API vs MicroBilt SPOT Employment Locator
Both stand on employment verification software. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Consider Mastercard Employment Verification API if your organization needs employment and income verification through an API for lending, tenant screening, or background checks. The service supports multiple verification routes and report formats, while pricing is provided on request. The TXVerify paystub workflow has a specific file constraint: it requires the latest paystub per employment and cannot process files with multiple paystubs.
Visit Mastercard Employment Verification APISPOT provides employment records through web, batch, and API access for collection, hiring, and lending use cases. Pricing is not posted, and customers must meet the stated permissible-use and documentation requirements.
Visit MicroBilt SPOT Employment LocatorThe facts
| Mastercard Employment Verification API | MicroBilt SPOT Employment Locator | |
|---|---|---|
| Free plan | Not published | Not published |
| Open source | Not published | Not published |
| Runs on | API | API, Web |
| Lowest paid plan | Free or on request | Not published |
| Plans published | 1 | None |
| Maker | Not published | Not published |
| Website | mastercard.com | microbilt.com |
| On employment verification software | #16 of 28 | #20 of 28 |
Mastercard Employment Verification API: what it does well
- Returns employment details covering up to 36 months.
- Described as delivering digital verification results in seconds.
- Offers paystub digitization or direct payroll-provider connections.
- Report formats include JSON/XML data and PDF.
- Supports Freddie Mac's Loan Product Advisor asset and income modeler.
What to know first
- Pricing is available on request.
- The TXVerify workflow cannot process files containing multiple paystubs.
- Prospective customers are directed to request a demo.
MicroBilt SPOT Employment Locator: what it does well
- Reports can include up to six employers.
- Available through web, batch, and API.
- Includes employer contact details and report dates.
- MicroBilt says systems use TLS 1.3 encryption.
What to know first
- Pricing is available on request.
- Consumer credit reports require a permissible purpose.
- Customers must retain supporting documentation.
Alternatives to Mastercard Employment Verification API Alternatives to MicroBilt SPOT Employment Locator The whole list