Gr4vy
“Can a cloud-native payment orchestration layer become the single control plane through which enterprise merchants manage every PSP, payment method, and checkout experience globally?”
Founded in 2020 as a cloud-native payment orchestration platform, Gr4vy positioned itself as the infrastructure layer sitting between merchants and their PSPs — solving the fragmentation problem John Lunn observed throughout his PayPal tenure. The company expanded rapidly from PSP routing into card vaulting (Cloud Vault, 2023), multi-provider settlement reporting, and open-banking A2A payments (Plaid partnership, 2026). Rather than competing with PSPs, Gr4vy's embedded-finance angle is enabling enterprise merchants to treat payments as a managed, cloud-hosted capability rather than a bespoke engineering project.