Sample Evidence Pack

See Exactly What Backs Up Every Underwriting Decision

Every merchant Gratify underwrites gets a full evidence pack: the data points checked, the sources each one was verified against, and the letter grade behind the outcome. Download a real sample below and see it before you ask us a single question.

Download the Sample Pack

Real output from a live underwriting decision, redacted for this sample.

62+

Configurable Data Points

6

External Verification Sources

A-F

Underwriting Grade Scale

100%

Of Results Cited to a Source

What's Inside the Sample

This is not a summary or a marketing mockup. It is a real evidence pack, the same document Gratify generates behind every underwriting decision on the platform.

  • Company name, address, and director identity checked against the merchant application, corporate docs, bank letters, and processing statements
  • Every result tagged verified, inconsistent, or suggested, with a citation back to the exact source
  • Financial risk scoring based on account age, balance, and transaction size
  • MCC classification with the reasoning behind the suggested code
  • Underwriter notes explaining how flagged inconsistencies were resolved
  • Final letter grade rolling all of it into one decision

This is what your underwriting team gets on every merchant, not just the sample ones.

Merchant Underwriting Evidence Pack

A
Company Name
Checked against 6 sources
Verified
Company Address
Checked against 4 sources
Inconsistent
Directors
Checked against 9 sources
Inconsistent
Finances
Account age, balance, transaction size
Verified
MCC Analysis
Classification with supporting reasoning
Suggested

Why Retail and Wholesale ISOs Choose Gratify

Underwriting is the stage where speed and defensibility both matter. Gratify gives you both without adding headcount.

You can see the evidence, not just a score

A letter grade with no backup is a black box. Gratify shows the source behind every result, so your team can defend a decision without digging through five systems.

Inconsistencies get flagged, not buried

Gratify shows an address and a director flagged as inconsistent, with underwriter notes explaining the resolution. Nothing gets waved through silently.

New underwriters can work from this

The AI does the analytical heavy lifting. Your new underwriters operate from your existing rules, built into the Gratify AI platform.

Common Questions

Will my sponsor bank accept this?

Yes. We make sure your sponsor bank accepts the output. If they need changes, we make the changes for you to ensure merchant applications flow through smoothly.

What about an auditor - will they accept this?

Yes. Because we explain every data source with evidence. That's what sets Gratify apart.

How many data points does underwriting actually check?

62+ configurable data points across identity, address, financials, and risk, verified against six external sources. This sample shows a subset of the full output.

Can we configure which data points get checked?

Yes. The scoring formula, the data points, and the grading thresholds are configurable to your risk appetite, not a fixed rule set.

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See a real underwriting decision, fully documented, before you talk to us.

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