Trust Every Transaction: Empowering Banks with Real-Time Identity Solutions

As the financial landscape evolves, trust, compliance, and seamless customer experiences have never been more critical. Gratify’s real-time identity platform equips banks with innovative tools to streamline onboarding, reduce chargebacks, and unlock new revenue through flexible credit products like Buy Now, Pay Later (BNPL).

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Three Core Solutions Tailored for Banks

White-Label BNPL: Unlock New Credit Opportunities

Gratify’s BNPL solutions are fully customizable for issuing banks, helping them embed BNPL into credit card products, and for acquiring banks, enabling merchants to offer flexible, secure payment plans at the point of sale.

Increase Credit Utilization: Offer customers the flexibility they seek, boosting engagement and credit card utilization.
Serve a New Demographic: Attract younger consumers and underserved markets with predictable, interest-free installments
Boost Revenue: BNPL increases transaction volume and deepens customer relationships by offering flexible payment options for high-ticket purchases

KYB & KYC: Accelerate Onboarding with Real-Time Identity

Onboarding both businesses and consumers is a critical function for banks, but it’s often bogged down by manual processes and inefficiencies. Gratify’s AI-driven KYB and KYC solutions streamline and secure your onboarding processes, allowing you to:

Onboard Faster: Automate identity verification, cutting onboarding time from days to minutes, reducing drop-off rates
Stay Compliant: Meet global regulatory requirements with real-time verification and auditable results, giving you peace of mind in every transaction
Reduce Fraud: Identify and mitigate fraudulent activity early with advanced AI systems that cross-reference multiple data sources in real time

CheckoutID: Reduce Chargebacks, Increase Trust

For banks supporting merchants with high-risk or age-restricted products, CheckoutID is the solution that ensures secure and compliant transactions, reducing the costly burden of chargebacks. With CheckoutID, your merchants can:

Reduce Chargebacks: Real-time identity verification at checkout prevents fraudulent transactions and disputes
Improve Payment Acceptance: Automate verification processes to reduce false declines and increase successful transaction rates
Ensure Compliance: Help merchants stay compliant with local and global regulations for restricted goods, all while delivering a smooth customer experience.

Why Gratify?

Gratify’s real-time identity platform brings together the power of AI and big data to give banks the tools they need to grow, secure, and future-proof their operations. Whether it’s expanding your credit offerings through BNPL, enhancing compliance through KYB/KYC, or reducing chargebacks with CheckoutID, we offer a fully integrated solution tailored for your needs.

Ready to Transform Your Bank’s Payments and Credit Products?