Payments innovation happens fast at the point of sale. Tap on phone, same day settlement, AI payments. But in the engine room? Payment operations is still built on paper applications, manual statement analysis, and multi-day setups.
We knew there had to be a better way.
Our first back office product was BNPL for Payfacs, and we needed to onboard merchants in real-time for our own BNPL platform. We built an AI system that could verify businesses, analyze financials, and enforce compliance rules automatically, all with human oversight.
Our onboarding ran in minutes, not days.
Then payment companies started asking: "Can we use that?"
Today, Gratify powers merchant operations for wholesale ISOs, retail ISOs, acquirers, and PayFacs. We automate the workflows that used to require armies of people.
We don't believe in black-box AI. Our platform does the manual work, then presents results to your team with full transparency. That's explainable AI.
We believe that technology, even AI, should empower people. Not replace them.
Your underwriter has 7 browser tabs open: one for Equifax, one for GIACT, one for the MPA, one for Google Maps... and it all adds time.
The average ISO spends $200 in labor per merchant application. At 500 merchants/month, that's $100K in manual work that AI handles in seconds.
Your best people carry critical processes in their heads. When they leave, your operations grind to a halt.
ISOs processing 1,000 merchants/year spend $250K on manual onboarding. See your numbers.
Get Your Cost AnalysisEveryday we talk to experts in payments, underwriting and merchant onboarding. They share their insights with us, and we want to share them with you.
