Application program interfaces (APIs)
Bridges to innovation
Bridges to innovation
Enhance your sponsor experience with APIs that support faster, scalable data transfers.
Before APIs, we managed multiple SFTP files and hoped nothing broke at cutoff. With the API, our deferrals, loans, and demographic data flow automatically and validate at the field level. We’ve reduced rework, eliminated late payroll adjustments, and improved participant trust because changes appear the same day.
Payroll & Benefits Lead, Northeast Region1
April, 2024
Connect to data that drives your business
Use connected systems to streamline processes, broaden capabilities, and improve participant experiences.
Accuracy
Automate repetitive tasks to reduce errors, avoid duplication, and maintain strong data integrity.
Speed
Combine data from multiple sources and use real-time insights to support timely, informed decisions.
Scale
Deliver faster, more tailored experiences with integrated third-party applications.
Coming soon
DC participant personal rate of return
Will allow clients to review the overall investment return for their participants’ portfolios.
DC plan provisions
Will provide snapshots of current plan provisions.
DC investments
Will provide overviews of how plan assets are invested.
Ready to take the next step?
Contact your Empower representative and explore how these APIs can add value to your organization. Visit our developer portal to view detailed specifications and submit a request for API access when you’re ready.
FAQ
FAQ
An API (application programming interface) is a secure, standardized framework that allows for two systems to exchange information automatically. Instead of manual files, emails, or custom integrations, APIs allow systems to “talk” to each other in real time using agreed-upon rules. Examples include travel booking and "login with" functionality.
APIs enable providers to integrate more easily with plan sponsors, payroll providers, advisors and TPAs. This reduces operational friction; improves data accuracy; and supports faster, more scalable services without rebuilding core systems.
APIs can enable near-real-time data updates (e.g., contributions, eligibility, balances), reduce delays caused by batch files or manual processing, and support more seamless digital experiences across platforms. This results in fewer errors, faster resolution times, and a more modern experience for sponsors and participants.
- Security by design: Empower’s API platform is built with security as a core principle, aligned to the controls defined in our enterprise security policies. We use best-in-class security capabilities and a security-first methodology, supported by continuous monitoring to help detect anomalous activity and potential weaknesses
- Strong authentication and authorization based on modern API standards: Our API security standards align with industry standards. OWASP API Security guidance and include OAuth 2.0 with OpenID Connect, and the early adoption of Financial-grade API (FAPI) standards.
- Security in depth: Our API gateway, web application firewall (WAF), and network segmentation provide protections such as DDoS mitigation, rate limiting, throttling, and payload validation to help defend against common API threats on top of our zero-trust architecture foundation.
