Skipify

Skipify

Skipify sells an identity-based checkout platform that lets shoppers pay using any linked payment method — debit, credit, buy now pay later — without creating an account or entering card details. The company says its technology recognizes over 60% of returning shoppers by connecting financial institution data at checkout. It works alongside existing payment service providers and ecommerce platforms, reducing integration friction for merchants. The platform targets ecommerce merchants and financial institutions, offering products including an embeddable CheckoutSDK, payment links via SkipifyPaylinks, and agentic AI checkout tools. Skipify claims 9% higher conversion rates and 98% authorization rates through direct bank connections. It supports payment methods like Pay by Bank and BNPL. The company positions its Commerce Identity Cloud as an alternative to wallet- or button-based checkout flows, emphasizing identity verification via passcode or biometrics. Skipify does not publicly disclose team size, funding history, or revenue. Its website references partnerships with unnamed financial institutions. No operational events from the last 24 months were available in source material. The company appears minimally staffed, with no named executives, board members, or advisors identified. A structural differentiator is Skipify's claim that merchants do not need to change their existing payment stack or ecommerce provider to use the platform. The system provisions payment credentials in real time from issuing banks rather than relying on stored token vaults. This architecture reduces fraud risk and authorization declines, the company says, while keeping the checkout flow inside the merchant's own domain.