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Open banking & real-time data for faster, safer ACH

Embed a flexible interface that sits directly in your existing onboarding experience, allowing customers to easily permission access to their bank account, streamlining payments.  

GrailPay aggregates leading open banking providers to increase coverage, boosting onboarding conversion.

Simple SDK setup, onboarding new customers in record time

Access reliable financial data compliantly with open banking, without friction for customers, with a fully customizable, embedded experience.

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Setup Bank Link 

Adapt the interface to your branding and connect to open banking APIs that deliver real-time data, securely. 
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Customer Links Accounts

Customers linking accounts are routed to their financial institution’s login experience to confirm the connection. 
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Transact ACH & Manage Risk

Trigger payments with the account information and run checks on the account behavior. 

What you can do with Bank Link

GrailPay delivers real-time account validation on linked accounts, as well account owner identity, balance, and transaction checks to deliver a customer-centric bank payment experience.

Validate Account Owner

Fetch the owner account owner’s
information institution to verify identity.

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Balance Checks

Review a linked account’s balance to determine its ability to transact.

Transaction History

Review transaction activity to assess behavioral characteristics of an account.

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Validate Account Owner

Fetch the owner account owner’s information institution to verify identity.

Balance Checks

Review a linked account’s balance to determine its ability to transact.

Transaction History

Review transaction activity to assess behavioral characteristics of an account.

Onboard customers, transact, and oversee account behavior to reduce risk in your ACH program.

With secure, reliable access to customer-permissioned data, build a comprehensive tool for the operations of your ACH.

Tailored Risk Models
Multi-Factor Payer Checks
Instant Onboarding
Real-time Account Validation
Open Banking Account Links
Increased Data Coverage
Unified Underwriting
Fast ACH Settlement
Flexible Payout Routing
Real-time Account Validation
Open Banking Account Links
Increased Data Coverage
Unified Underwriting
Fast ACH Settlement
Flexible Payout Routing
Tailored Risk Models
Multi-Factor Payer Checks
Instant Onboarding

Leverage real-time account insights with open banking, to build payment experiences your customers will love