Trust infrastructure · Starting with repayment history

Know who to trust.

Meritt is trust infrastructure: behavioral history becomes a portable reputation layer you can query anywhere. Today we start where the signal is clearest—your customers' repayment history—so landlords and operators can decide with confidence before extending credit again.

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Trust signal
B2B beta
Avg score82
On-time rate91%
Outstanding$12,400
01
Import
02
Score
03
API
How it works

From raw history to a reputation you can use.

Start with repayment history

CSV import or manual entry—your first behavioral signal. We normalize messy spreadsheets so nothing gets lost in translation.

Define what "trustworthy" means to you

Weight the signals that matter for your portfolio today—consistency, speed, volume, longevity—and evolve the model as you grow.

Query reputation via API

One call returns a portable standing you can use in leasing flows, POS, or internal tools—the same pattern future platforms will plug into.

Simple pricing

Plans built for operators

Compare tiers below. Creating an account is free; you'll need an active subscription to finish setup and use the dashboard.

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Starter

$49/month

For small operators just getting organized.

  • Up to 50 customers
  • CSV import with column mapping
  • Payment score dashboard
  • Custom scoring weights
  • Email support
  • —API access
  • —Query by phone or ID
Most popular

Pro

$99/month

For growing businesses that need API access.

  • Unlimited customers
  • CSV import with column mapping
  • Payment score dashboard
  • Custom scoring weights
  • API access — 500 queries/month
  • Email support

Growth

$199/month

For larger portfolios with high query volume.

  • Unlimited customers
  • CSV import with column mapping
  • Payment score dashboard
  • Custom scoring weights
  • API access — 2,000 queries/month
  • $0.10 per query over limit
  • Priority support
Why Meritt

Built for operators who carry the risk today—the same layer platforms will need tomorrow.

Phase 1 is deliberately focused: landlords, rent-to-own, and service businesses upload repayment history they already have—the raw material for a reputation signal.
You define what trustworthy looks like for your book—not a one-size-fits-all credit score.
The HTTP API is how trust becomes infrastructure: pull standing into your leasing flow, POS, or internal tools now—the same integration pattern marketplaces and gig platforms use later.

Start with repayment history. Build toward everything else.

Create an account, then subscribe to activate your workspace and dashboard.

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