IMSS verification API — confirm employee enrollment?
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IMSS data has up to 2-month lag depending on when the employer files. Most lenders accept a recent pay stub alongside IMSS verification API results to cover recent hires.
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We're building a payroll lending product and need an IMSS verification API to confirm that loan applicants are actively employed and enrolled in IMSS. The specific check: is this person currently registered as an active worker with IMSS, and who is their current registered employer?
I'm concerned about data lag — IMSS enrollment updates are monthly from employers. If someone was just hired, their IMSS enrollment might not show up for weeks. How do lenders handle this verification gap?