Out of Wallet Verification

Still Relying on Gut Instinct for Risky Applications?
Download our free Out-of-Wallet Verification Call Cheat Sheet to give your Risk team a proven, structured approach for identifying identity fraud during manual reviews.

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What's Inside?

A concise, battle-tested checklist used by top PSPs and PayFacs to spot:

Synthetic identities
Fake merchants with stolen documents
Inexperienced applicants who can't explain their own business

This guide includes:

Clear, categorized questions to ask during a verification call
Behavioral red flags to watch for
Real-world prompts used by expert underwriters

If your team still escalates “weird-feeling” applications to senior Risk, this cheat sheet will help standardize your approach — without slowing down approvals.

Why It Matters

Automation gets you most of the way. But when something doesn’t add up, you need a manual process that works.
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Gratify powers real-time onboarding and underwriting for modern PSPs — but we also support the human workflows that still matter.

Use this cheat sheet when:

An identity verification fails

You’re seeing signs of impersonation or fraud

Documents don’t match the application

Built by Risk Teams, For Risk Teams

This is the same structured flow our clients use inside Gratify — a merchant onboarding platform trusted by leading acquirers and ISOs to:

Automate KYB, fraud checks, and document collection
Trigger manual reviews only when truly necessary
Empower underwriters with context-rich data and tools

What's Inside?

Why It Matters

Built by Risk Teams, For Risk Teams

Speed up onboarding. Unblock underwriters. And finally fix the parts of the process that everyone knows are broken.