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Gather for Dealerships

Stop handing keys to fraud.

Verify identity and insurance before the test drive, before delivery, before the signature — on your customer’s phone, in minutes. No hardware. No photocopier.
Protect your dealership
Discover our solutions
Mobile Identity and Insurance Verification by Gather.
Gather x CLEAR®

Data records

The problem in numbers.

Every verified deal protects everyone who touches it. Pick your seat at the table and see what Gather does for you.

$ 0 B
Auto loan fraud in 2025 — up 16.5% year over year.
Point Predictive
0 %
Of dealers report increased fraud activity in the last 24 months.
eLEND, 2026
0 %
Of affected dealerships lost four or more vehicles to identity fraud.
eLEND, 2026
0 %
Of dealers report navigating synthetic identity attempts.
Experian Automotive, 2026

What Gather does for dealers.

Fraud stops before the keys move.

Identity checked against CLEAR®, insurance confirmed live — before the test drive, not after the vehicle is gone. And no licence sits on a copier waiting to become someone else’s problem.

A complete customer record, without re-keying it.

Name, address, phone, licence and policy land in your DMS, CRM and BDC as structured data. The desk stops typing.

No active coverage? Insured on the spot.

When verification finds no valid policy, the customer activates on-demand coverage in a few taps, tied to their verified identity. The gap that used to kill a delivery closes before anyone feels it.

No hardware install. Just your mobile.

Verification runs from the palm of your hand — no kiosks, no scanners, no new equipment on the showroom floor.

Audit evidence, filed by default.

Identity, licence and OFAC screening, timestamped and attached to the deal — already filed when someone asks, not reconstructed. See section 7b for how it fits your Red Flags and Safeguards programs.

Minutes at the desk, and live in 24 hours.

61% of verifications finish in under a minute, 87% inside five. Onboarding is 12 clicks, no install, no scanner, no IT project.
Gather’s promise

Gather's Golden Record

One customer’s information, verified once, with every field confirmed against a reliable or government source – not typed in, no typos, no abbreviations, clean, accurate, no errors.

How it works, from your seat.

Step 1.

Get started by QR or text.

Gather sends a text to your customer to start the verification process. Customer clicks on the link to get started.

Step 2.

Customers use their phone to verify.

Customers don’t need to download an app, they can just their phone to verify ID, and insurance. 

Step 3.

Confirmation within minutes.

Usually automatic from your policy details. No cover yet? You can get insured on the spot.

Protected.

Backed by a $1M no-fraud guarantee.
If your car-buying customer passes Gather’s identity and insurance verification and turns out to be a fraudulent consumer, resulting in the theft of a vehicle, Gather will reimburse your dealership up to $299,999 MSRP per incident and $1,000,000 in aggregate. Terms and Conditions apply.
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How it works

How it reaches you.

From the palm of your hand: every customer becomes a verified Golden Record before the deal moves.

deliver

Clean data, ready for your DMS

Real-time coverage verification at the point of sale — and a channel to bind new, valid policies the moment a gap appears.

Verification Verified
Contact information
Identity verification
Driver's license
Auto insurance — valid
OFAC screening — clear
DMS Synced just now
CRM Synced just now
BDC Updated just now
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Verify

Identity & insurance, matched and verified

Real-time coverage verification at the point of sale — and a channel to bind new, valid policies the moment a gap appears.

Identity
Jordan Rivera DL · verified
Insurance
Policy ••4821 Carrier response
Coverage check Real time
Named insured Match
Policy status Active
Limits & dates In force
Gap found · unit 2 uninsured
Bind policy
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cover

Coverage confirmed in the moment

Real-time coverage verification at the point of sale — and a channel to bind new, valid policies the moment a gap appears.

Coverage
Policy
No active policy
Add On-Demand Insurance
Identity
License
Verified
Jordan Rivera
On-demand coverage Active
Activated on the spot a few taps
Tied to verified identity linked
Coverage confirmed in minutes
Insured in the moment
Explore for Finance

Watch how Gather works in your dealership

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VERIFIED RECORDS FLOW STRAIGHT INTO YOUR DMS

1.

Identity, checked and recorded.

A CLEAR® identity verification and an insurance validation integrated with Verisk, run before the keys change hands. Each one produces a Gather Verification Report your team can download for 30 days. That is the kind of detection step a Red Flags program is written around, and the record shows it was done.

2.

Less customer data sitting in your store.

Gather collects a Social Security number only on a vehicle purchase, never for a test drive or a loaner. Every record is de-identified after 30 days: the personal information is stripped, the verification record stays for statistics and audit. Less data on hand is a smaller Safeguards exposure to explain.

3.

Applied to every customer, every time.

Gather runs at fixed points — every test drive, every purchase — never at a salesperson’s discretion. Consistency is what makes a Red Flags program hold up, and verifying some customers but not others invites disparate-treatment exposure under ECOA and Section 5 of the FTC Act. A uniform process removes the judgment call; store-level reporting lets a group confirm the pattern holds at every rooftop.

4.

The cost of getting it wrong.

FTC civil penalties currently run up to roughly $50,000 per violation.¹ A single FTC fine is worth more than a decade of Gather service.
On-demand insurance

Verification your compliance program can point to.

The FTC’s Red Flags and Safeguards Rules already require every dealer to keep written identity-theft and information-security programs. Gather gives you a documented verification step that fits inside both.

One verification protects everyone at the table.

Gather for Consumers
Gather for Dealers
Gather for Carriers
Gather for Finance
Gather for OEMs
Testimonials

Customer success stories.

"We found Gather after being stung by some synthetic fraud that flew right by our and OEM fraud checks. After catching several more fraudsters thanks to Gather, now we also use it to check loan car users and the truck drivers that pick up our vehicles for trade, delivery or auction. Combine that with a cleaned customer record that speeds up F&I, we love Gather."

Brendan Harrington, Dealer
Autobahn BMW

"With more customers buying remotely, it's critical to have a process we can trust. Gather gives us a consistent way to verify customers -- no matter where they are."

Scott O’Connell, General Manager
Coggins Toyota

"I'm excited about our partnership with Gather. They bring a new level of technology to auto dealers that will help prevent fraud, and their customer service has been very helpful anytime we have needed assistance."

Victor Kadish, General Manager
Bluebonnet Ford

Gather for you

Frequently Asked Questions

No. Gather opens in their phone’s browser from a text or QR code.
You see exactly which step failed and why. Most failures are a bad photo, not a bad actor — they can retry immediately. If a verification fails in a way that concerns you, contact Gather: you may be looking at identity fraud.
Yes. Dealerships offering financing or leases must run an identity-theft prevention programme under the FTC’s Red Flags Rule; you need a valid licence on file before anyone drives off the lot; and your lenders require verified applicant data to fund. Requiring verification is not an imposition on the customer — it is the programme you are already obliged to run, done properly.
Gather runs while you are doing the paperwork you would be doing anyway.
They activate on-demand coverage on the spot, tied to their verified identity, in a few taps.

Download or print the Gather Verification Report within 30 days. After that, the record is de-identified and cannot be reissued — and a guarantee claim has to be filed inside that same window, with a police report.

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