Here you'll learn about the Add Income step, where you can link your employer, payroll, or benefits accounts for income verification.
After you've verified your identity and shared some of your basic information, you may be prompted to Add Income to your rental application, which will allow you to connect directly with your employer, payroll, or benefits accounts.
By utilizing this tool, you will be able to easily share verified income data with the leasing team, allowing you to present a robust rental application.
In this article, we'll review how to connect to your accounts, how to disconnect, how to proceed in the event your provider is not available for direct connection, and how to solve any issues you may encounter while linking.
How to Connect Payroll, Employer, or Benefits Accounts
1. Start from the "Let's talk about your income" screen
From the "Let's talk about your income" screen, click the "Yes, I have income" button.
Click the purple Continue button at the bottom of the page to move forward.
2. Search For Your Account
From the "Connect your income & we'll handle the rest" screen, click the purple Connect button.
This will load a pop-up modal for you to search.
You can search for your employer, payroll, or benefits account by browsing the sections (Popular, Employer, Benefits, Payroll) or by using the search bar.
Once you've found the connection you wish to make, select the option along with any additional selections required by the provider.
3. Log In to your Account
After selecting your provider, enter your account credentials to log in.
You may need to complete additional authentication steps based on your provider or if you have MFA enabled.
4. Confirm your Employment Details
Once connected, you'll click 'Finish Linking Accounts,' and your connected account will insert your income information directly from the information provided by your employer account.
5. Finish the Add Income step
If your employer was successfully connected, you will be greeted with a "Great! We found your Income" screen. From here, simply select "No, this is all my Income" to complete the step!
After selecting the option, you can select the purple Continue button to move forward.
Tip: Click the back arrow button to connect additional payroll, employer, or benefits accounts. You can click on the trash can icon next to your current connected employer to remove it as well.
I Don't See My Payroll Provider or Employer
If you're having trouble locating your payroll or employer, try the following:
1. Confirm the Account Provider
Confirm that you're searching the correct provider or employer. Try using the full legal name of the employer in your search as it appears on your paychecks.
If your employer is not listed, try searching for the payroll provider used by your company to issue paychecks instead.
2. Skip the Employment Link and Link Bank Account Instead
If you've confirmed your payroll or employer is not available to connect, click the “x” in the top corner to exit the "Add Income" modal.
Click the 'Click here to connect your bank account instead' button to continue to the next step, where you can link a bank account for income verification.
When you load the Add Accounts step, this will launch a connection that allows you to provide verified income through a linked bank account. More information on this can be found here.
I Received an Error When Trying to Connect to my Employer, Payroll, or Benefits Account
There are a number of errors that can present when trying to connect to your payroll, employer, or benefits account. When this happens, you should be shown details on what has caused the error on screen. Some common errors are listed below with solutions:
Error Message: Log In Failed
Possible Reasons and Solutions
Incorrect login credentials were entered. Confirm that you are using the correct login credentials and try again. You may wish to log in directly to your payroll, employer, or benefits account to confirm your credentials.
The incorrect MFA response was entered, or too many failed MFA attempts. Try logging in again. You may need to log in directly to your payroll provider or reach out to your HR to reset your MFA.
Too many login attempts. Try again in a few hours.
Your payroll, employer, or benefits account is inactive or has been disabled. If you are no longer employed with this entity, this may explain the issue.
Error Message: Error
Possible Reasons and Solutions
Your payroll or employer account has disabled the ability to log in via this method. Try another method or reach out to your HR team for assistance.
The payroll, employer, or benefits system is offline or experiencing service interruptions. Try again later.
An unexpected connection error occurred. This could be due to connectivity issues. Confirm your internet connection is stable and try again.
Error Message: Account Inactive, Account Disabled, No Record Found, or Account not Supported
Possible Reasons and Solutions
Your payroll, employment, or benefits account has not been fully set up or configured. Please log in directly to your account and finish setting up your account.
Your payroll, employment, or benefits account has been disabled. Reach out directly to your employer or benefits admin.
Your personal or login details did not match what the payroll, employer, or benefits account was expecting. Please reach out directly to your employer or benefits admin.
The account type is not supported through the payroll provider, or you entered credentials that are not associated with your employee account. This is common with gig employers, like Uber, where you may have a separate user account and an employee account.
VERO Support can help troubleshoot with employer, payroll, or benefits account connection errors if the above do not help solve the issue you're experiencing.
I received a "You've already responded" Message with no linked Employer
While VERO tries to support a connection with as many Employers and Payroll providers as possible, there will be times when some Employers or Payroll providers are not supported directly.
If you receive this message when attempting to make a connection (particularly with Workday), you will need to close the Add Income pop-up to proceed with the rest of your application and opt to link your bank account or manually upload financial documents in later steps.
The Income Amount on my Employer, Payroll, or Benefits Connection is Incorrect or Blank
VERO uses the information pulled directly from your employer account to calculate your income using the paystub information shared through this connection. Some reasons why income amounts may appear incorrect are:
Bonuses may not be reflected in your paystubs in a way that can be shared or calculated with VERO
Your payroll provider may be able to connect successfully, but may not share specific or sufficient income information, or it may still be calculating through connection.
Check back in 24 hours to confirm if your payroll provider was able to supply the required information to calculate your income.
You are a seasonal or contracted employee whose contract may not be listed as active in your payroll system. Contact your HR team for additional assistance.
I Want to Connect Multiple Payroll, Employer, or Benefits Accounts
After linking your first account in the Add Income pop-up modal, click "Connect More Accounts" to add another one. If you’ve already exited, click the back arrow button again to launch the modal and add more accounts.
You can add as many employer, payroll, or benefits accounts as are available to be connected to during this step.
I Want to Disconnect my Payroll, Employer, or Benefits Accounts
VERO gives you control over the information you share in your application, so you can disconnect your accounts at any time while your application is in progress. To do this:
From the Income Sources section, click the section to expand it.
Click "Edit/Add Additional Income."
From the Add Income step, select the trash can icon to remove the connected employer.
Confirm you'd like to unlink the employer by selecting the red "Remove" button in the pop-up that appears.
I Don't Want to Connect my Payroll, Employer, or Benefits Accounts
While connecting your accounts to VERO is secure and safe, you may still wish not to connect directly to your accounts.
If that's the case, you can click the "x" at the top corner of the Add Income pop-up window in order to close this pop-up, and continue onto the next step by clicking the 'Click here to connect your bank account instead' button to continue to the next step, where you can link a bank account for income verification:
Some properties require verified income through a linked employer/payroll account or bank account as part of their income verification process. Skipping this step may not meet their application requirements and may prevent you from being able to submit your application.
If you're not sure, ask your leasing agent for confirmation on their requirements.
If you cannot submit your application due to not meeting these income requirements, please reach out to your leasing agent for next steps.
How is my verified income calculated using my connected Employer, Payroll, or Benefits Account?
Successfully linking Employer, Payroll, or Benefits accounts provides VERO with income data that will show up under your Application's Income & Balances tab as Verified Income as a projected annual amount.
VERO calculates this in one of two ways based on how we receive the data from your employer, payroll, or benefits account: using an average of your paystubs or using the base pay and frequency.
Average Payment Calculation
When your employer, payroll, or benefits provider provides the data of your recurring payments, we use that to determine the pay frequency between payments and the average pay for each pay period over the last year. We then multiply that to get your projected annual income. This gives the projected income consistency when your payment amount may fluctuate based on seasonal hours or other variables.
Base Pay and Frequency Calculation
When you're employer, payroll, or benefits provider does not provide historical payments to use but does provide base rate and frequency of payments, we will multiply them together to calculate a projected annual income amount.
Connecting Benefits Accounts for Retired, Unemployed, Disability, or other Benefits recipients
You can connect your benefits accounts in this step as well in order to demonstrate any non-employment income for your rental application.
To do this, follow the same steps to Connect to your Account. Then click on the Benefits tab and select the corresponding agency, or click on the search engine and type in the specific agency with which you have an account. There are many options, including various State Unemployment Benefits, Social Security, Veterans Affairs, and others.
If the provider of your benefits account is not an available option to link directly but you receive your payments to a bank account, you can connect the bank account where you receive these payments on the Add Accounts step. This is also helpful if you wish to indicate available assets on your application, like IRA or 401k or savings accounts.
For more information on alternative options to verify your income, see Income Verification Methods