Gratify: Solutions for Merchant Onboarding, BNPL and Identity Verification

Real Time Merchant Decisions

Finally, a merchant onboarding platform that sales and risk teams can agree on

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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:

Business info in one system, website data in another

Manual KYB, fraud, and credit checks across multiple platforms

Risk signals lost in emails, PDFs, and browser tabs

No standard way to apply policy at scale

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

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

Pre-Filled, Structured Applications

AI-Powered Evidence Gathering

Automate Reviews

Real-Time Risk Decisions

CheckoutID

White-Label BNPL

KYB

Speed up onboarding. Unblock underwriters. And finally fix the parts of the process that everyone knows are broken.