Let’s fix your slow merchant onboarding

Underwriting isn’t slow because of policy . It’s slow because your team is chasing documents, switching between tools, and manually collecting risk signals.

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Why onboarding still takes days - even with a great team
Your risk team isn’t underperforming. They’re underpowered. Most delays come from manual work that shouldn’t exist:
Meet Gratify: Your AI-enabled underwriting assistant
Gratify replaces hours of manual effort with one seamless workflow. Every merchant application is enriched, assessed, and scored in real time — using AI to do the work you'd normally assign to a junior analyst.

Pre-Filled, Structured Applications

Auto-enriched with business and principal data - no document chasing.

AI-Powered Evidence Gathering

We check public and proprietary sources and return a risk summary.

Automate Reviews

Follow best practices to confidently evaluate every merchant application.

Real-Time Risk Decisions

Rules-based approvals, credit scoring, and policy guardrails.
Built for modern risk teams
We started by creating fintech solutions to enhance our own consumer experiences. Those are now available to partners seeking scalable financial solutions under their own brand.

CheckoutID

Secure every transaction with real-time identity verification. Ensure that only the right customers complete purchases, enhancing security and trust.

CheckoutID
Seccure transaction with checkout identification
White-Label BNPL

White-Label BNPL

Offer flexible financing solutions under your brand. Enable credit for your merchants with BNPL, backed by real-time identity checks, for both online and in-store purchases.

White Label BNPL

KYB

Automate and streamline business onboarding with real-time verification. Ensure compliance while accelerating approvals.

Merchant Onboarding
Automate and streamline business onboarding with real-time verification