Grailpay
“Can a modern ML risk-and-financing layer make ACH payments as safe and revenue-generative for platforms as card payments have become?”
HQNew York, New York, United States
Total raised$6.7M
Latest roundSeed, 2025
IndustryInfrastructure / Payments
The story
GrailPay was founded as a B2B payments risk and data network focused on the ACH rail, where fraud and credit risk have historically lagged behind card-based infrastructure. The company positioned itself as a modern intelligence layer — providing ML-driven risk analytics, KYB/KYC, sanctions screening, and guaranteed ACH settlement — for fintechs, ISOs, ISVs, and payment processors. It has added a net-terms financing product layered directly onto the ACH rail, monetising each financed transaction for partners.
Product timeline
2025
Raised $6.7M seed round led by Construct Capital to build risk infrastructure for the ACH payment market.· banking
2025
Launched embedded ACH processing with Grasshopper Bank, N.A. as the ODFI/Financial Institution Partner.· banking
2025
Launched net terms / B2B financing program built directly on the ACH payment rail.· lending
The stack
4 layers disclosed in Grailpay’s embedded-finance stack
Money movement
Banking / BaaS
in the full report
Lending
in the full report
Sponsor bank
in the full report
Accounting gap: minor
4 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.