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GrailPay Raises $6.7M Seed to Build Risk Infrastructure for the $86T ACH Payment Market
- GrailPay raises $6.7 million in seed funding to develop risk infrastructure for the $86 trillion ACH payment market, aiming to address fraud, credit risk, and operational challenges in bank payments.
- The company offers a modern intelligence platform for ACH payments, providing predictive analytics and real-time signals across account enrollment, transaction monitoring, and merchant underwriting.
- GrailPay's tools are modular, allowing businesses to integrate intelligence-driven risk management without changing their payment processors.
- Investors in the $6.7 million seed round included Construct Capital, Commerce Ventures, Broadhaven Ventures, Soma Capital, and experienced fintech operators and angels.
- GrailPay targets payment platforms, fintechs, lenders, and software vendors operating in the ACH payment space, which moved $86 trillion last year alone.
- The company generates revenue through a combination of SaaS and usage-based pricing for its intelligence tools and payments stack.
- GrailPay plans to focus on product expansion and market growth in the next six months, aiming to enhance account validation, monitoring, and underwriting capabilities.
- The funding process was relationship-driven, emphasizing the urgency of modernizing ACH infrastructure to investors understanding the complexity and importance of the market.
- GrailPay differentiates itself by offering real-time risk signals and predictive intelligence specific to ACH payments, with an emphasis on automating risk decisions and reducing payment failures.
- The company's core focus on critical infrastructure tools aimed at revenue impact, fraud reduction, and operational automation positions it well for potential economic slowdowns.
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