Verify faster. Decide smarter.

T2C verifies the identity and health of private businesses in seconds. We pull from 100,000+ sources to build a single, authoritative profile on any of 42 million U.S. companies, so you can onboard faster, make smarter credit decisions, and catch risk before it hits your portfolio.

T2C is built for lenders, acquirers, processors, and card networks that need reliable business identity data at scale. If you are approving merchants, underwriting equipment deals, or managing commercial credit risk, T2C is purpose-built for your workflow.

Standard KYB confirms a business exists. T2C goes further. It tells you whether that business is active, financially stable, and worth doing business with. Our Commercial Viability Score layers behavioral signals, licensing status, financial health indicators, and identity resolution into a single risk rating that traditional KYB cannot provide.

No commitment required. Getting started takes three steps: Step 1 — Intro Call (30 min): We map your current workflow and confirm fit. Step 2 — Proof of Concept: You share a batch of application records. We run them through T2C. No integration needed. Step 3 — Results Readout: We return a full analysis: hit rate, verification gaps, risk flags, and the dollar value of the lift. Fast, free, and no strings attached.

Just a batch of your application records, typically a file export of past or current applications. We sign an MNDA first to protect your data. No technical integration or API setup is required at this stage.

Your results readout will answer three questions using your own data: How many good files are being declined? We identify verified active businesses your current process is turning away. How can you decide faster? We show where manual review can be replaced with a single API call. How much risk is in your approved pipeline? We surface early payment default indicators and suspicious files before they cost you.

For acquirers and processors, T2C provides a behavioral Merchant Risk Rating built on actual transaction history, including chargebacks, returns, and velocity, combined with verified business identity signals. This gives you decision-grade merchant risk data at onboarding and throughout the relationship, not just at application.

Near-immediately. Once you share your batch file, T2C searches, matches, standardizes, and scores your records automatically. Your results readout is typically delivered within a few business days of your intro call.

T2C was founded by the creators of PayNet, the industry standard for small business credit data and risk scores. We have spent decades in financial data, compliance, and risk analytics, and built T2C specifically because no existing product was purpose-designed for private company identity verification at scale.