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October 28, 2025

Introducing Multi-Entity Mode: One Connection Per Employer

Finch
Product
Payroll
API
Lauren Wan
Product Manager
Table of Contents

As any employer will tell you, payroll is far from straightforward. Different pay types, schedules, and locations create complexity, which is why payroll software has grown into a multi-billion-dollar industry.

That complexity also extends to how payroll systems organize employees. Most rely on entities — groupings like EIN, division, or location — that give employers flexibility to reflect the unique structure of their business and ensure payroll runs smoothly.

Until now, connecting employers with multiple entities often meant managing multiple Finch connections.

Today, we’re excited to announce multi-entity mode: a new capability in Finch that allows employers to connect multiple entities through a single Finch Connection.

One connection, unlimited entities

Multi-entity mode creates a true 1:1 relationship between an employer and a connection. Employers can now connect all of their entities — whether that’s two EINs or ten divisions — through a single Finch connection.

Why does this matter? Multi-entity mode streamlines onboarding for employers and simplifies data management for developers building on top of Finch:

  • Faster onboarding: Employers authenticate just once, with the option to select one or many entities in their account. 
  • Simpler management: Developers handle one connection per employer, with entity-level visibility preserved in the Finch Dashboard.
  • Predictable billing: Pricing is tied to the employer, not the number of entities, eliminating inflated costs for complex organizational structures.
  • Enterprise-ready: Multi-entity mode is designed to support businesses of all sizes, from small companies with multiple EINs to global enterprises with layered structures.

How it works

Connect once, select many

Employers can select one or many entities during the Finch Connect session. Finch issues a single access token that covers all selected entities, while preserving entity-level detail. If only one entity exists, the “select entities” screen is skipped automatically.

For example, imagine a company that operates many branch locations is connecting its payroll provider with its 401(k) platform. If each of those branches is assigned its own entity in the payroll system, the administrator would be given the option to share employee and payroll data from some or all of those branch locations with the 401(k) platform.

Clearer visibility in the Dashboard

A new column in the Dashboard shows how many entities are included in each connection. You can then click into the connection to see more details about each entity.

Revisiting our previous example, the 401(k) provider can view and manage all of the entities for the multi-branch employer through a single connection. They can see when data was most recently synced, the status of the connection, and more.

From the Dashboard, you can click into a connection to see more details about each entity.

Re-auth and adding entities

If the company from our example missed a branch location or wants to add a new one, the administrator can return to Finch Connect later to re-authenticate with new entities. Entities remain linked until the developer or Finch disconnects them, ensuring secure, long-lasting connections.

Getting started

Multi-entity mode is now the default experience for all new Finch customers.

If you’re an existing customer, reach out to your Account Manager to enable the feature and learn more about migrating existing connections to the new experience. 

For developers, implementation details are available in our Help Center.

97% of HR professionals say it’s important for your app to integrate with their employment systems

Learn more in our State of Employment Technology report ->

97% of HR professionals say it’s important for your app to integrate with their employment systems

Download the report to learn more

Payroll Integrations Made for Retirement

Finch lets recordkeepers and TPAs integrate with the payroll systems their sponsors use to pull pay and census data and manage deductions automatically.

Learn how ->
Visualize the employment ecosystem

Thousands of applications make up the employment ecosystem, spanning uses from financial planning to employer-sponsored benefits. Get the full picture of how these applications fit together with our market map.

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Visualize the employment ecosystem

Thousands of applications make up the employment ecosystem, spanning uses from financial planning to employer-sponsored benefits. Get the full picture of how these applications fit together with our market map.

Download the map
Key Takeaways:
  • On average, 80% of participants default into their retirement plan, demonstrating that the majority of Americans aren’t actively engaged in their retirement planning — and highlighting the opportunity for recordkeepers to engage participants more directly.
  • Recent legislative changes and technological advancements represent a prime opportunity to get more individuals thinking about their financial futures and participating in the savings opportunities available to them.
  • Greater payroll connectivity provides recordkeepers with more comprehensive data, mitigating challenges introduced through file exchanges and arming recordkeepers with the up-to-date information they need to best support sponsors and participants alike.