Guide to Merchant Statement Analysis

merchant lifecycle

AI-powered tool for payment pros

Full Lifecycle Platform

One platform replaces your patchwork of tools. From statement analysis through underwriting, boarding, and revenue assurance — data flows forward and never gets re-entered.

Automated Underwriting

62+ configurable data points with letter-grade scoring, six external verification integrations, and auto-generated evidence packs. Your rules, your risk appetite, our intelligence.

Processor-Agnostic Boarding

Board merchants to TSYS, Fiserv, Dejavoo, and Repay via direct API. Zero re-keying, no processor lock-in. One submission workflow for every processor relationship.

Single Merchant Record

Every stage enriches one merchant record. Statement data feeds underwriting. Underwriting feeds boarding. No duplicate entry, no data silos, no reconciliation headaches.

Level up your Onboarding game with Gratify

Everyday we talk to experts in payments, underwriting and merchant onboarding. They share their insights with us, and we want to share them with you.

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