# 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.

- **Role:** Co-Founder & CEO at GrailPay
- **Organizations:** GrailPay
- **Nationality:** American
- **Education:** BS, Finance and Computer Science, Boston College
- **Known for:** Founded GrailPay as a college student and grew it into a venture-backed payments infrastructure company., Raised a total of roughly $17-18M in venture funding, including a $10.5M Series A led by MissionOG in June 2026., Built the Payments Identity Network covering over 99% of US bank accounts.

## Career timeline

- **2021** — Founded GrailPay while still a student at Boston College, originally as a modern bank payments API platform focused on ACH.
- **2022** — Graduated and began working on GrailPay full-time.
- **2025-06** — GrailPay raised $6.7M to build the risk and intelligence layer for bank payments.
- **2026-06** — GrailPay raised a $10.5M Series A led by MissionOG to scale its risk decisioning infrastructure and Payments Identity Network.

## Achievements

- Founded GrailPay as a college student and grew it into a venture-backed payments infrastructure company.
- Raised a total of roughly $17-18M in venture funding, including a $10.5M Series A led by MissionOG in June 2026.
- Built the Payments Identity Network covering over 99% of US bank accounts.
- Grew GrailPay to near $5 billion in annualized payment volume, a roughly 20x increase year over year.
- Maintained zero customer churn with average customer spend growing over 200% in the first year of partnership.
- Helped a B2B platform cut KYC delays from days to seconds while reducing fraud losses through real-time account screening.

## Latest updates

- **2026-06** — GrailPay raised a $10.5M Series A led by MissionOG to scale risk decisioning infrastructure for instant and agentic payments.
- **2025-06** — GrailPay raised $6.7M to build the risk and intelligence layer for bank payments.

## Links

- Website: https://grailpay.com
- LinkedIn: https://www.linkedin.com/in/williammessina/

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