Scale Your Merchant Onboarding Today

Verifying and cross-checking data sources costs time. Gratify automates manual tasks and evidence packs so underwriters can move faster.

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Bloom Coffee Co.

MCC 5814 · Portland, OR
Ready for review
Generated in 47 seconds
Risk score
82
Low risk
Avg. monthly volume
$127,400
Recommended reserve
5% · $6,370
Compliance checks
KYC / KYB verification Passed
PEP & Sanctions Clear
OFAC check Clear
Decline
Approve & board

What LegitScript gets right

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Compare Gratify vs. [Competitor]

See how Gratify's full-lifecycle platform stacks up feature by feature.

Gratify
[Competitor]
Merchant Statement Analysis
✓
✗
Smart Application Forms
✓
✗
KYC / KYB Verification
✓
✗
Automated Underwriting
✓
✗
Processor-Agnostic Boarding
✓
✗
Revenue Assurance & Re-Pricing
✓
✗
AI-Powered Automation
✓
✗
Single Merchant Record
✓
✗
Built for ISOs, PayFacs & Banks
✓
✗
merchant lifecycle

Merchant lifecycles should be managed.

Growing Retail ISOs
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.
Ambitious Wholesale ISOs
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.
Loading acquirers
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.
Dynamic Isv's onboarding for payment
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.
Our Features

Start automating your merchant operations today

Explore the features designed to keep your merchants happy and your revenue flowing

Analyze statements in seconds

Upload a merchant's processing statement and get a margin analysis with branded quote. Manual review time collapses from 20-45 minutes to the time it takes to send a follow-up email.

Pre-fill your Merchant Agreements

Smart MPA forms put an end to pends. Your rules enforce the right data collection, and our AI enriches and verifies in real-time. Put an end to pends.

Automated KYB & KYC

PEP and sanctions screening, OFAC checks, BBB complaint lookup, and prohibited MCC validation. Compliance runs as a continuous process, not a one-time gate at application time.

Underwriting on autopilot

Configurable data points across three risk categories with letter-grade scoring and reserve recommendations. Your risk rules, your risk appetite, our AI engine to keep underwriters on top of their game.

1-Click Onboarding

One click from approved merchant to live processor — no re-keying, no gateway lock-in, no manual data transfer between systems.

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Intelligent Repricing

Daily monitoring of volume, active merchants, average markup BPS, and effective rate keeps portfolio margin from leaking.,
FAQ's

Frequently Asked Questions

Is Ballerine a good fit for ISOs and PayFacs?

What does Gratify do that Ballerine does not?

Is Ballerine's open-source model a risk for payments companies?

Can Ballerine board merchants to processors?

How long does it take to deploy Gratify vs Ballerine?

Does Gratify replace Ballerine or work alongside it?

Join the payment companies scaling onboarding

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Gratify - Merchant Onboarding Platform
Gratify merchant onboarding platform
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Acquirer
Product
Statement AnalyzerSmart FormsMerchant OnboardingWhite label BNPL
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