Gratify uses proprietary AI to power real-time merchant onboarding, underwriting, and identity verification for the world’s most innovative payment companies.

Our platform is built for Payment Service Providers (PSPs), ISOs, and fintech lenders who need fast, accurate decisions—whether you're approving new merchants, assessing credit risk for merchant cash advances, or launching embedded lending products like white-label BNPL.

We combine identity verification, credit insights, and AI decisioning into a single, seamless workflow. That means faster approvals, reduced manual effort, and smarter risk management.

Built by payments veterans and backed by years of experience in scalable identity and transaction systems, Gratify helps you go from application to activation—in seconds, not days.

Gratify

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