# GrailPay

> GrailPay is a New York-based fintech building the risk and intelligence layer for bank payments. Its API-driven platform scores transactions, verifies bank accounts and identities, and moves money via ACH and instant rails - helping fintechs, processors, lenders and software companies reduce failed payments and fraud. Founded in 2021 by Will Messina and Lee Jones, the company positions itself as a trust layer for B2B commerce as instant settlement, stablecoins and agentic payments reshape how money moves.

- **Founded:** 2021
- **Headquarters:** New York, New York, United States
- **Founders:** Will Messina (Co-Founder & CEO), Lee Jones (Co-Founder & CTO)
- **Team size:** ~23 employees
- **Products:** Transaction Intelligence, Account Intelligence, Open Banking, Money Movement, Guaranteed ACH
- **Notable:** Raised $18.03M total across seed and Series A rounds ($6.7M seed in 2025, $10.5M Series A in 2026)., Approaching $5 billion in annualized payment volume, a reported ~20x increase year over year., Reports supporting over 10,000 businesses on its bank payments risk platform.

## Products & services

- **Transaction Intelligence** — Real-time risk scoring on individual payments, combining fraud, identity and credit signals to decide whether money should move.
- **Account Intelligence** — Bank account validation with roughly 99% US coverage, including real-time routing number and account verification.
- **Open Banking** — Live account connections for balance checks, account-owner identity verification and transaction oversight.
- **Money Movement** — Standard, fast and instant ACH plus flexible settlement and payout routing through a single API.
- **Guaranteed ACH** — Dynamic indemnification on underwritten transactions to de-risk bank payments for platforms.
- **Payments Identity Network** — A proprietary data network that verifies counterparties and builds bank account risk intelligence across GrailPay's customer base.

## Achievements

- Raised $18.03M total across seed and Series A rounds ($6.7M seed in 2025, $10.5M Series A in 2026).
- Approaching $5 billion in annualized payment volume, a reported ~20x increase year over year.
- Reports supporting over 10,000 businesses on its bank payments risk platform.
- Built a proprietary Payments Identity Network with roughly 99% US bank account coverage.

## Latest updates

- **2026-06** — Raised a $10.5M Series A led by MissionOG to scale risk decisioning infrastructure for instant and agentic payments and expand the Payments Identity Network.
- **2026-06** — Reported approaching $5B in annualized payment volume, roughly a 20x year-over-year increase.
- **2025-06** — Raised $6.7M led by Construct Capital to build the risk and intelligence layer for bank payments.

## Links

- Website: https://grailpay.com
- LinkedIn: http://www.linkedin.com/company/grailpay
- Twitter/X: https://x.com/grailpay

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Profile page: https://yespress.io/grailpay
Published by YesPress — https://yespress.io
Last updated: 2026-07-20