“Can a modern ML risk-and-financing layer make ACH payments as safe and revenue-generative for platforms as card payments have become?”
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.
Grailpay discloses Grasshopper Bank, N.A. as its banking provider, according to the Embedded Finance Index 2026.
Grailpay does not disclose a bank charter of its own; its banking services are provided through Grasshopper Bank, N.A..
Grailpay moves money over ACH.
The Embedded Finance Index 2026 maps 4 layers in Grailpay's stack: Money movement (ACH); Banking / BaaS (Grasshopper Bank, N.A.); Lending (Net terms financing on ACH rail and Short-term B2B financing); Sponsor bank (Grasshopper Bank, N.A.).
Grailpay is headquartered in New York, New York, United States.
Grailpay has raised $6.7M in total (latest round: Seed, 2025).
Get a read on where your own stack stands against Grailpay and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.