Real-Time Merchant Decisions

Faster applications for merchants, more cost effective for business, more convenient for underwriters.

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Merchant Onboarding is Painful
Manual data collection and slow onboarding processes burden teams—delaying approvals and causing merchants to drop out before their first transaction. Mounting compliance demands further escalate into costly, burdensome audits.
Easy Compliance & Fast Activation
Our proactive merchant management platform does what no other legacy system can: always-on compliance that scales, and fast, frictionless onboarding that keeps merchants engaged.

Better Experiences

Reduce the size of your applications and get merchants processing on your rails as fast as possible.

Faster Decisions

Gratify processes applications instantly for evidence backed recommendations.

Automate Reviews

Follow best practices to confidently evaluate every merchant application.

Reduce Risk

Gratify's AI system will reference hundreds of sources for complete investigations.
Gratify’s Suite of Fintech Tools
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