Gratify provides a white-label Buy Now Pay Later (BNPL) solution that integrates real-time identity verification and credit decisioning for payment facilitators, service providers, and merchants across Canada, the U.S., Australia, and New Zealand. This platform addresses the need for seamless BNPL offerings by enabling merchants to enhance customer financing options while ensuring compliance and reducing onboarding times.
Funding
Funding not disclosed
Founders
Product
Problem
Many businesses lack the resources to offer Buy Now Pay Later (BNPL) options directly, missing out on potential revenue from customers who prefer flexible payment plans. Integrating BNPL solutions can be complex, requiring real-time identity verification, credit decisioning, and compliance management across multiple regions.
Solution
Gratify provides a white-label BNPL platform that allows payment facilitators, service providers, and merchants to offer financing options under their own brand. The platform integrates real-time identity verification and credit decisioning to enable seamless BNPL offerings for both online and in-store purchases. Gratify's unified platform combines data integration, real-time credit decisions, and flexible solutions for onboarding and payments, empowering businesses to enhance customer financing options while ensuring compliance. The stackable rules engine allows for fast decisions, accelerating revenue growth.
Target Audience
Gratify primarily targets payment facilitators, service providers, and merchants across Canada, the U.S., Australia, and New Zealand seeking to offer BNPL options to their customers.
Features
- White-label BNPL solution enabling merchants to offer branded financing options.
- Real-time identity verification to secure transactions and ensure compliance.
- Instant credit decisioning for rapid customer onboarding.
- Stackable rules engine for customizable and adaptable decision-making processes.
- KYB (Know Your Business) automation to streamline business onboarding with real-time verification.
- CheckoutID feature for secure transactions with real-time identity verification.
- Unified platform combining data integration, insights, and actionable solutions.