GrailPay Raises $10.5M Series A to Scale Payments Risk Engine

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GrailPay, a New York based payments company, has raised $10.5 million in Series A funding to expand the risk decisioning infrastructure behind its B2B payments platform. The round was announced on June 25, 2026.

MissionOG led the financing. Other investors taking part included EJF Ventures, Counterpart Ventures, Construct Capital, Commerce Ventures, and SSC Venture Partners.

GrailPay’s core product is a composable risk decisioning engine paired with a payments platform built to move money instantly and autonomously. The idea is to replace older batch-based systems with a trust layer that pulls together first-party processing data and third-party sources to assess the risk tied to a given bank account. The company serves fintech, banking, and embedded finance customers, and says its Payments Identity Network now reaches more than 99 percent of U.S. bank accounts.

The fresh capital is earmarked for data analytics, modeling research, and go-to-market expansion into agentic and instant payments. GrailPay also plans to widen its Payments Identity Network, deepening coverage across banking infrastructure, payment processors, embedded fintech platforms, accounts receivable and payable systems, and other risk platforms.

The raise reflects continued investor appetite for the infrastructure that sits underneath modern payments, particularly as instant and automated money movement becomes more common.