# GrailPay Holdings

Startup profile on Capital Atlas: https://capitalatlas.ai/startups/grailpay-holdings

- Industry: Financial Services
- Headquarters: New York, US
- Website: www.grailpay.com
- Total disclosed funding: $17M
- Latest round: Series A (Jun 25, 2026)
- Investors on record: 9

## About

GrailPay Holdings, Inc. is a US-based company specializing in a risk platform that enhances ACH payments through robust transaction risk management solutions. GrailPay was founded in 2021 by William (Will) Messina (CEO) and headquartered in New York, US, GrailPay Holdings, Inc. offers a platform focused on improving the ACH payments process. In June 2026, GrailPay Holdings, Inc. raised USD 10.5 million in series A funding led by MissionOG, with participation from EJF Capital, Counterpart Ventures, SSC Venture Partners, Construct Capital, and Commerce Ventures. GrailPay's primary offering is a comprehensive risk platform designed to enhance the ACH (Automated Clearing House) payments experience by mitigating risks associated with bank accounts and transactions. The suite of APIs provided by GrailPay allows clients to customize the assessment processes for bank account capabilities, ensuring real-time validation prior to processing transactions. The platform incorporates advanced features such as fraud, identity, and credit assessments to provide users with a holistic view of their financial ecosystem, thereby improving transaction integrity. GrailPay's services cater to fintech companies, payment processors, financial institutions, and independent software vendors (ISVs), primarily within the United States and select international markets, enhancing their payment solutions by embedding GrailPay's technology into their existing systems.GrailPay generates revenue through transaction-based models that leverage its suite of risk management APIs, which facilitate secure and efficient ACH payments. Clients typically engage with GrailPay under a partnership structure, where they integrate GrailPay's services into their payment processing infrastructures. This collaboration allows for customized pricing plans based on the specific needs of the client, such as volume-based fees or subscription models for utilizing advanced features like real-time account validation and Transaction Intelligence. By offering tailored risk models and flexible payout options, GrailPay is positioned to capture revenue from various sectors, including B2B services and direct consumer transactions, thereby establishing a broad client base reliant on secure payment processing. The company plans to utilize the June 2026 funding to strengthen its risk-detection infrastructure.

## Funding rounds

- Series A, Jun 25, 2026, $11M — EJF Capital, Commerce Ventures, MissionOG, Counterpart Ventures, Construct Capital, SSC Venture Partners
- Seed, Jun 11, 2025, $6.7M — Broadhaven Capital Partners, Commerce Ventures, Soma Capital Management, Grasshopper Bank, Construct Capital

## Investors

- Broadhaven Capital Partners (https://capitalatlas.ai/funds/broadhaven-capital-partners) — Seed
- Commerce Ventures (https://capitalatlas.ai/funds/commerce-ventures) — Seed, Series A
- Soma Capital Management (https://capitalatlas.ai/funds/soma-capital-management) — Seed
- Grasshopper Bank — Seed
- Construct Capital (https://capitalatlas.ai/funds/construct-capital) — Seed, Series A
- EJF Capital (https://capitalatlas.ai/funds/ejf-capital) — Series A
- MissionOG (https://capitalatlas.ai/funds/missionog) — Series A
- Counterpart Ventures (https://capitalatlas.ai/funds/counterpart-ventures) — Series A
- SSC Venture Partners (https://capitalatlas.ai/funds/ssc-venture-partners) — Series A