The underwriter signed off. Now someone on your ops team is manually keying 47 fields into a processor portal. Merchant onboarding automation from Gratify turns that into a single click.
We hear this from every ISO we talk to. The underwriter approves the merchant, and then an ops person opens the processor portal and starts typing. Business name. DBA. EIN. Bank account. Routing number. MCC code. Pricing tier. Equipment config. That's not onboarding. That's transcription.
Someone on your team re-keys every field from the approved application into the processor portal. It's the same manual process whether you're onboarding merchant number five or merchant number five hundred.
Manual entry means typos. A wrong digit in the routing number means the merchant doesn't get funded. Multiple processors mean multiple portals with different field layouts and validation rules. There's no unified workflow.
The merchant is approved. One click. The data flows via API directly to the processor. No portal login. No field-by-field entry. No transcription errors. We connect to processors including Fiserv and TSYS at the API level. The approved merchant record already contains every field the processor needs because it was captured in SmartMPA and verified through KYC/KYB verification.
One-click merchant onboarding is the last step in the workflow, not a second data entry project.
Standalone processor onboarding software still requires manual data entry because it doesn't have the upstream data. Our single merchant view means the data captured in SmartMPA, verified through Merchant ID, and scored in underwriting automation flows directly into onboarding. No re-keying. No copy-paste from a PDF. The merchant submitted their information once. That's the only time anyone should have to enter it.
Most ISOs board to more than one processor. Each processor has different field requirements, different validation rules, and a different portal. We normalize all of it. One merchant record. One click. The system maps the data to whichever processor the merchant is being boarded to. Your ops team doesn't need to know five different portal layouts.
Direct API connection to processors. No portal login, no manual field entry. One click from approved merchant to boarded merchant.
Automatic translation of the merchant record into each processor's required field format. Handles naming differences, field order, and validation rules between processors.
View pending, in-progress, and completed onboardings in one place. Track which merchants are waiting, which are submitted, and which are confirmed.
If a processor rejects a submission, the system surfaces exactly which field failed and why. No guessing. No resubmitting blind.
Real-time return of the merchant ID and onboarding status from the processor. Your ops team knows immediately whether onboarding succeeded.
Onboarding pulls from the same merchant record used in SmartMPA, Merchant ID, and Merchant Risk. One record. No re-entry.
Onboarding is the fifth stage of Gratify One. The merchant record flows from Statement Analyzer through SmartMPA, KYC/KYB verification, and underwriting automation into one-click boarding. Every field the processor needs was already captured and verified upstream.
Approved merchant to boarded merchant with no manual data entry. The merchant record maps to the processor's format and submits via API in a single action.
Reduce merchant onboarding time from 30 minutes of manual portal entry to a single API submission. Multiply by your monthly volume to see the real number.
Humans don't re-key the data. The verified merchant record flows directly to the processor via API. No typos. No wrong routing numbers.
Book a demo. We'll show you how approved merchants go from signed off to boarded without anyone touching a processor portal.
