Highline Pay by Paycheck API

aid: highline-fi:pay-by-paycheck-api
name: Highline Pay by Paycheck API
description: 'The Highline API lets billers, lenders, and platforms verify consumer

  eligibility for paycheck-deduction payments, present the Highline Link

  flow to authorize a connection, submit and manage payment requests, and

  reconcile daily ACH settlements. It is documented at docs.highline.co

  with API keys, webhooks, simulations, and an llms.txt index for AI

  agents.

  '
humanURL: https://docs.highline.co/
tags:
- Payments
- Eligibility
- Link
- Webhooks
- Settlements
- Reconciliation
properties:
- type: Documentation
  url: https://docs.highline.co/
- type: Website
  url: https://highline.co/
- type: Payroll
  url: https://highline.co/payroll/
- type: PayrollAndHR
  url: https://highline.co/for-payroll-and-hr-providers/
- type: LLMsTxt
  url: https://docs.highline.co/llms.txt
- type: LinkedIn
  url: https://www.linkedin.com/company/highlineco/
features:
- name: Eligibility API
  description: Check whether a consumer qualifies for Pay by Paycheck based on payroll connections.
- name: Highline Link
  description: Client-side widget for users to authorize a connection between their employer payroll and
    the biller or lender.
- name: Payment Requests
  description: Submit, update, and cancel payment requests for upcoming paychecks.
- name: Payment Monitoring
  description: Track status of in-flight payments in real time.
- name: Daily ACH Settlements
  description: Receive funds via same-day or daily ACH batch transfers.
- name: Reconciliation Reports
  description: Pull settlement reports for arbitrary date ranges.
- name: Webhooks
  description: Subscribe to payment lifecycle events with signed webhook verification.
- name: Sandbox Simulations
  description: Test integration flows end-to-end against a sandbox environment.
- name: llms.txt for AI Agents
  description: Markdown-formatted page index and OpenAPI endpoints exposed at docs.highline.co/llms.txt.
useCases:
- name: Lender Loan Repayment
  description: Lenders ensure on-time, in-full loan repayments by collecting from paychecks before consumer
    checking accounts receive funds.
- name: Biller Recurring Payments
  description: Billers reduce churn by routing recurring bills through paycheck deductions.
- name: Payroll Platform Partnership
  description: Payroll providers offer Highline as a partner capability to their employer customers.
- name: Embedded Consumer Apps
  description: Consumer fintech apps embed Pay by Paycheck for automated bill management.
- name: Hardship Programs
  description: Lenders and billers offer paycheck-aligned hardship programs to consumers.
integrations:
- name: ACH network
- name: Payroll providers
- name: Direct deposit systems
- name: Banking platforms
- name: Lending platforms
- name: Billing platforms
authentication:
- type: APIKey
  description: API keys issued through the Highline dashboard, with sandbox and live environments.
- type: Webhooks
  description: Signed webhooks for payment lifecycle events with verification mechanisms.