Merchant applications that actually
scale

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Built for Payment companies

Payment companies use Gratify to automate merchant onboarding, eliminate setup errors, and scale operations without adding headcount. All in one platform. All powered by AI with human oversight.

Gratify - Merchant Onboarding Platform
Integrated to automatically pull from the data sources you know
WHO WE WORK WITH

Organizations we proudly support

Growing Retail ISOs
Close deals fast with statement analysis, application checklists, and smart Merchant Application forms.
Ambitious Wholesale ISOs
The fastest onboaridng platform for Wholesale ISOs. We support you with an end-to-end solution that starts with statement and analysis and finishes with complete credit underwiriting.
Leading Acquirers
Lightning fast onboarding from any channel. Streamline your onboarding to create amazing experiences for agents, VARs, sales reps and merchants.
Dynamic ISV's
Control your entire onboarding flow with our real-time data validation via API. Accelerate your onboarding without changing your flows.

Why Merchant Operations are Broken

Fragmented Systems

Your team jumps between statement analyzers, onboarding tools, screening platforms, and CRMs. Every handoff creates delays and errors.

  • Too many tools to manage
  • Re-keying data has become normalized
  • Tool adoption is inconsistent
Data-driven merchant performance report generated by Gratify software.

Manual Bottlenecks

Sales reps handle compliance checks. Underwriters verify the same data multiple times. Teams clear 500+ false positive alerts manually.

  • Manual tasks don't scale
  • Backlog management out of control
  • Manual processes take time
Business owner reviewing merchant onboarding using Gratify.

Silos of Knowledge

Your best people carry critical processes in their heads. When they leave, your operations grind to a halt.

  • Rules live in someone's head
  • Auto-approval becomes hard to reach
  • Intelligence is locked away
Data-driven merchant performance report generated by Gratify software.
This is how you grow

AI Tools Built For Payments

Automated KYC verification for ISOs on Gratify
Merchant Statement Analysis

The best merchants shop around and want proof they're getting competitive rates. Keep deals moving fast with statement analysis in under a minute.

  • Consistent analysis
  • Branded proposals
  • Competitor Intelligence
Gratify partner portal for independent sales organizations
Smart Forms

Auto-populate from trusted sources for low-risk merchants. Apply your underwriting requirements early to avoid wasted effort and confusion.

  • Only receive complete applications
  • Better completion rates with intelligent friction
  • Leverage data you already have
SO merchant approval process with Gratify platform
Onboarding Automation

Scale your underwriting team with automation. Get instant approval recommendations with complete evidence documentation to reduce pends.

  • Collate evidence automatically
  • Score and grade consistently
  • 1-Click evidence pack
"What I see from Gratify is a direct replacement... our tool currently does not do very well. The ability to capture information at the time we're entering the form - rather than waiting for someone to call the merchant later - solves a massive problem."
Key facts

Statistical Insights

Reduction in manual underwriting time
80%
Saved in human labour per merchant
$200
Hours back per merchant
6
Fewer applications pended back to the merchant or agent
90%

Join the payment companies scaling onboarding

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Built for Payment companies
Gratify - Merchant Onboarding Platform

Level up your Onboarding game with Gratify

Everyday we talk to experts in payments, underwriting and merchant onboarding. They share their insights with us, and we want to share them with you.

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