Lightning-Fast Approvals, Ironclad Oversight

Faster Onboarding. Better Experiences. One Integration.

Gratify provides an entirely new way for payment providers onboard and manage merchants that leverages AI to accelerate onboarding, enhance fraud detection, and reduce friction, all while maintaining the integrity of human oversight.

80%

Reduction in Onboarding Time

65%

Drop in Merchant Churn

∞

Boost in Compliance Confidence

Why is Merchant Onboarding so Hard?

Traditional merchant onboarding often requires manual verifications, endless paperwork, and reactive risk checks. The result? Lengthy wait times, higher costs, and frustrated merchants.

Fragile Processes

Multiple handoffs between compliance teams, underwriters, and ops

Incomplete Checks

Infrequent and piecemeal compliance checks leave regulatory gaps

Merchant Churn

Delayed approvals and confusing requirements push merchants to competitors

Trusted By

Move from Reactive to Proactive

Gratify replaces tedious, manual processes with an automated, always-on engine. From the moment merchants apply, our system enriches the application with supporting documents and verifies their account with supporting evidence. From that moment onwards, compliance checks, risk scoring, and identity verifications are continuously run in the background.

Our Approach

Proactive Execution: Instant application processing and enrichment
‍
‍Autonomous Compliance: AI-driven intelligence uses reasoning to identify fraud

‍Seamless Integration: APIs into your tooling or use our platform to see everything at once.

Key Benefits & Differenciators

Speed and Accuracy

• Instant Verification: Automatically validates business documents, KYC data, and more.

• Reduced Errors: AI eliminates human oversight and potential compliance blind spots.

Engaged Merchants

• Frictionless Experience: New merchants are up and running in minutes, not days.

• Boost Merchant Confidence: Easy, transparent onboarding reduces drop-offs.

Proactive Fraud & Risk Detection

• Always-On Monitoring: Continuous checks for red flags, ensuring issues are spotted immediately.

• Auto Remediation: Pre-set workflows take action on suspicious activity before it becomes a problem.

How It Works

Application Submitted

Merchants provide essential details; our system handles the cumbersome back-and-forth required.

AI Enhancement and Verifications

Our AI-driven engine evaluates the merchant’s risk level, compliance history, and more—in seconds.

Instant Approval or Actions

Low-risk merchants receive immediate onboarding; higher-risk applications trigger automated follow-up steps.

Continuous Monitoring Post-Onboarding

Even after going live, merchants are constantly evaluated for compliance and performance anomalies.

How AI enabled KYB lifted onboarding Speed by 80%

One Payment Service Provider (PSP) saw an 80% improvement in onboarding speed after implementing AI-snabled KYB solutions

The Future of Onboarding

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How AI enabled KYB lifted onboarding Speed by 80%

Ready to transform your onboarding process?

Request a demo today to see how Gratify can accelerate your operations and deliver faster, more secure merchant onboarding.