Onboard real merchants. Send the doubtful ones to review.

Check that a merchant, seller or supplier is a registered business run by the people who signed up — at onboarding, and again every time the record changes.

• 35.7M businesses
• 52.4M owners & officers
• 1 key every record type
• Webhooks when a record changes

Know the merchant behind the sign-up.

• Merchant and seller onboarding — Confirm the business is registered and active, and that its name and address match what was entered at sign-up.
• Signer on file — Check that the person opening the account is an officer or manager on the registration.
• Shell and mail-drop signals — Brand-new entities, mass-registration addresses and officers tied to many companies are surfaced for a reviewer.
• Changes after onboarding — A dissolved merchant or a replaced officer reaches your systems the day it is filed.

Flags for a reviewer. Never an automatic no.

Use CoverFi for

• Confirming a merchant or seller is a registered business
• Checking the signer against officers on file
• Flagging new or mass-registered entities for manual review
• Fraud-awareness research on businesses
• Monitoring onboarded businesses for filed changes

Use a consumer report instead

• Deciding consumer eligibility for credit, pay-later or advances
• Automatically rejecting a person on a “no match”
• Vetting gig workers, contractors or employees
• Decisions about housing or tenancy
• Government-ID or biometric verification

A match, no match or needs-review outcome means only that submitted details are or are not consistent with records on file. It is not document verification and not a verdict on a person: route doubtful cases to a reviewer or to step-up verification.

From sign-up to steady state.

1. Call the API at sign-up — Send the business name and state. Get the registration, officers and status back as JSON.
2. Review what is flagged — New entities, shared addresses and mismatched signers go to your review queue with the record attached.
3. Subscribe to changes — Add onboarded businesses to a watch list and receive changes by webhook.

CoverFi is not a consumer reporting agency. Results are informational and may not be used to decide eligibility for credit, employment, insurance, housing or any other FCRA-regulated purpose.

Verify your next merchant in one call.

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Read the API docs → · All use cases