This article explains how to read a payroll-based income verification report from Payscore. Payroll reports use verified employment and payroll data rather than bank deposits to calculate income and evaluate criteria.
Many sections of the report—such as the Report Header, Criteria, and Net Income Summary—appear in the same location and format as bank-based income reports. This article highlights what’s unique to payroll reports and how to interpret payroll-specific information.
What this report shows
A payroll-based income verification report uses verified payroll records to:
Calculate income
Evaluate income criteria
Provide employment context alongside income results
This report is typically used when applicants connect a supported payroll provider.
1. Report header
The report header displays:
Applicant name
Report creation date
Property name
Monthly rent used for evaluation
This section is consistent across bank, payroll, and document-based income reports.
2. Criteria
The Criteria section evaluates the applicant’s income against your configured requirements.
For each criterion, you’ll see:
Your Requirement — the threshold you configured
Outcome — the applicant’s calculated result
Color indicates whether the criterion is met:
Green values indicate the requirement is met or exceeded
Red values indicate the requirement is not met
Criteria behavior is the same across report types. In payroll reports, income values are derived from verified payroll data, not bank deposits.
3. Gross Income & Employment Summary
This section is specific to payroll reports and provides employment context alongside income data.
It may include:
Employer name
Job title
Employment start date
Pay rate
Pay frequency (for example, weekly or bi-weekly)
This information helps confirm that payroll income is tied to active or recent employment.
4. Net Income Summary
The Net Income Summary aggregates payroll income and presents it using the same structure as bank-based income reports.
This section includes:
Recurring income
Non-recurring income (if applicable)
Total income
Monthly averages over different time periods
In payroll reports, these values are calculated from payroll records rather than deposit transactions.
For a detailed explanation of how recurring, non-recurring, and total income are calculated, see How to Read a Bank-Based Income Verification Report.
5. Net Income Sources
The Net Income Sources section shows how income is grouped by source.
In payroll reports, income sources typically reflect:
Payroll providers
Employers associated with the applicant
Each source includes totals and monthly income amounts derived from payroll data.
6. Paystubs
This section replaces deposit-level transaction data found in bank-based reports.
It displays individual payroll records, which may include:
Gross pay
Base pay
Net pay
Pay period
Pay date
These records support the income calculations shown in the Net Income Summary above.
Important notes
Payroll-based reports do not include bank account balances or deposit-level transactions
Pay gaps and deposit timing logic found in bank reports do not apply to payroll data