Pull gross pay, net pay, deductions, and year-to-date earnings from any employer’s pay stub format—built for underwriters, property managers, and verification services.
Upload any document — PDF, scan, or photo — and get structured data back immediately. No setup, no templates, no waiting.
Audited controls over a sustained period, not a point-in-time check.
Bank-grade encryption at rest and TLS 1.2+ in transit.
Documents deleted within 24 hours. No copies retained.
Drag and drop files, connect a cloud drive, or set up email auto-forwarding. Any file format works—PDF, JPEG, PNG, TIFF, or digital documents.
The AI identifies fields by context and meaning, not fixed coordinates. Names, dates, amounts, and custom fields are extracted automatically.
Get structured output in Excel, Google Sheets, CSV, or JSON. Use the REST API for direct integration into your systems.
“We underwrite 1,500 mortgages per month. Pay stub extraction eliminated the manual income calculation step, which cut our average processing time by two days per application.”
“Applicants submit pay stubs from hundreds of different employers. The extractor handles every format we have seen, including screenshots and phone photos.”
“The confidence scoring is essential for our compliance team. We can document exactly which figures were automatically extracted and which were manually verified.”
Pay stub extraction is a critical automation for mortgage underwriters, property managers, auto lenders, and employment verification services. These organizations process thousands of pay stubs from applicants, each generated by a different employer using a different payroll system. Manual review of each pay stub to identify gross pay, net pay, year-to-date earnings, and deduction breakdowns creates bottlenecks that delay decisions and increase processing costs.
The fundamental challenge of pay stub extraction is that no two employers format their pay stubs the same way. ADP, Paychex, Gusto, Workday, and proprietary systems all produce different layouts with different field labels, positions, and structures. Template-based extraction requires a separate configuration for each employer format, which is impractical when processing applications from hundreds of different workplaces.
AI-powered pay stub extraction reads each document contextually, identifying income fields by their semantic meaning rather than fixed coordinates. Lido extracts employee name, employer name, pay period, gross pay, net pay, federal and state tax withholding, FICA deductions, retirement contributions, health insurance premiums, and year-to-date totals from any pay stub format on the first upload.
For lending and verification organizations, the critical evaluation criteria for pay stub extraction are accuracy on financial fields, processing speed for application pipelines, API availability for system integration, and compliance certifications that satisfy regulatory auditors. Lido provides field-level confidence scores, SOC 2 Type 2 compliance, and a REST API that returns structured data for direct integration with loan origination and verification platforms.
Pay stub extraction is the automated process of reading employee pay stubs and pulling out structured data such as gross pay, net pay, tax withholdings, deductions, and year-to-date earnings. It eliminates manual data entry for income verification, lending, and compliance workflows.
AI-powered extraction reads each pay stub contextually, identifying fields by meaning rather than position. Whether the pay stub comes from ADP, Paychex, Gusto, or a proprietary system, the AI extracts the same set of income and deduction fields automatically.
Standard extracted fields include employee name, employer name, pay period dates, gross pay, net pay, federal and state tax withholding, Social Security and Medicare, 401(k) contributions, health insurance premiums, and year-to-date totals. Custom fields can be added using AI extraction rules.
Lido typically processes a single pay stub in under five seconds. Batch uploads of hundreds of pay stubs are processed in parallel, making it practical for high-volume verification pipelines that handle thousands of applications per month.
Yes. All documents are encrypted with AES-256 at rest and TLS 1.2+ in transit. Documents are deleted within 24 hours of processing. Lido is SOC 2 Type 2 compliant and eligible for HIPAA business associate agreements.
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Built on Lido’s OCR engine
Built on Lido’s OCR engine
Built on Lido’s OCR engine
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