GrailPay Raises $6.7 Million to Build the Risk and Intelligence Layer for Bank Payments

Funding led by Construct Capital, joined by Commerce Ventures, Broadhaven Ventures, Soma Capital, Grasshopper Bank, and leading fintech operators, following the initial funding led by Noemis Ventures.

GrailPay, a risk and data platform for bank payments, announced $6.7 million in funding to expand its suite of tools that make ACH transactions safer, smarter, and faster. The fundraise was led by Construct Capital, joined by Commerce Ventures, Broadhaven Ventures, Soma Capital, Grasshopper Bank, and a network of experienced fintech operators and angels. This follows an initial fundraise led by Noemis Ventures.

GrailPay is currently powering ACH risk tooling and infrastructure for more than 10,000 businesses.

ACH is the backbone of the U.S. financial system—moving over $86 trillion last year alone—but remains riddled with fraud, credit risk, and operational failures. While cards have benefited from decades of innovation in risk infrastructure, bank payments still rely on manual reviews and legacy tooling.

GrailPay is closing that gap with a modern intelligence platform designed to detect and prevent risk across the ACH lifecycle, before a transaction is ever initiated.

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“Credit cards have seen decades of innovation—fraud tooling, risk engines, analytics,” said Will Messina, CEO and co-founder of GrailPay. “But the same hasn’t happened for bank payments. We’re building the modern intelligence layer to unlock the next growth wave of payments tied to a bank account.”

GrailPay’s platform offers predictive analytics and real-time signals across account enrollment, transaction monitoring, and merchant underwriting. Its tools are used by payment platforms, lenders, fintechs, and software vendors to reduce failed payments, accelerate decisioning, and automate operations.

“What stood out with GrailPay wasn’t just their tech—it was how quickly they became a real partner in helping us move funds reliably and intelligently,” said Scott Agatep, CEO at Infinicept.

Though GrailPay provides ACH processing, its tools are designed to be modular and standalone—meaning customers can adopt the platform’s intelligence offerings with or without using it for payments.

“GrailPay is building what every modern payments company needs: a flexible, intelligent risk layer purpose-built for bank payments,” said Camila Saruhashi from Construct Capital. “The traction they’ve already seen speaks to how overdue this is.”

GrailPay is currently powering ACH risk tooling and infrastructure for more than 10,000 businesses.

The company will use the funds to grow its product and engineering teams, expand go-to-market efforts, and bring new capabilities to market—reducing risk and speeding up bank payments by continuously iterating on best-in-class risk models.

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