ach-payments
(5)
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.
Qualpay
Qualpay is a San Mateo-based payments company that combines a merchant account and a payment gateway into a single cloud-based platform. Founded in 2014 by payments-industry veterans, it lets businesses accept card and ACH payments across online, in-person, phone and recurring channels, with tokenization, a customer vault, real-time reconciliation reporting and PCI DSS Level 1 security. In 2022 Synovus Bank took a majority stake to build an embedded finance platform on top of Qualpay's technology.
Will Messina
Will Messina is the co-founder and CEO of GrailPay, a New York-based fintech building the risk and intelligence layer for bank payments. He started the company as a broke college kid at Boston College who wanted people to pay straight from their bank accounts, then pivoted from a consumer idea into the unglamorous plumbing of ACH: fraud detection, account verification, and settlement certainty. In June 2026 GrailPay raised a $10.5M Series A led by MissionOG to scale its Payments Identity Network, which covers over 99% of US bank accounts and aims to become the trust layer for instant and agentic B2B payments.
Wholesail
Wholesail is a San Francisco fintech building the accounts receivable platform for the food and beverage supply chain. It helps food and beverage distributors onboard customers, automate collections, manage credit risk, and accept ACH and card payments so they get paid faster while keeping customer relationships intact. Founded by ex-OpenTable product and engineering leaders, the company targets the largely paper-driven, trillion-dollar US food distribution market.
Darragh Buckley
Darragh Buckley is the founder and CEO of Increase, an enterprise-grade banking API company that lets technology businesses programmatically store, move, and reconcile money by connecting directly into the Federal Reserve's payment rails. He was Stripe's first employee, joining the Collison brothers - fellow natives of Limerick, Ireland - in 2010 to build the banking and money-movement foundations of the company. After leaving Stripe in 2016, he founded Increase (YC Summer 2020), which now processes well over $100 billion a year with a famously tiny team. A contrarian who believes in the staying power of community banks, he has personally acquired stakes in small Washington-state banks, including a 10%-plus position in Twin City Bank that triggered Federal Reserve disclosure.