Pay by bank advantages

Instant Cashback

Earn on-the-spot cashback when you pay directly from your bank account. No credit. No fees. No hassle.

Ultra-fast Checkout

Link your bank account once (like with Venmo), then pay with your phone number anywhere GrailPay is accepted.

Safe and reliable

Rest assured knowing you are paying with merchants’ preferred, secure payment partner.

Pay less when you pay with your bank account.

Earn Instant Cashback whether you're buying groceries, shoes, or soap. Kick the fee-ridden, confusing credit card to the curb and save instantly.

Experience cashback – instantly.
  • No credit necessary
  • No fees
  • Unparalleled security & privacy
  • No confusing points – just savings

Ultra-fast and trustworthy.

Experience checkout as it should be — seamless.

Payment as easy as confirming your phone number.

Your privacy & safety is our number one priority – we mean it.

Pay safely with our world - class fraud management & dispute system on the backend.

How does it work?

Enjoy one-time setup. After you link your account, securely pay with just your phone number. GrailPay offers the ultra-fast checkout experience you desire.

  • Shop
  • Pay by bank
  • Authenticate
  • Get Cashback

Frequently Asked Questions

We are here to help.

GrailPay is a new way for you to pay directly from your bank accounts at checkout. Instead of using the card networks (Visa, Mastercard, AMEX, Discover) which are often ridden with fraud (bad actors can steal your card number), you can use the secure, easy, and rewarding pay by bank alternative.

Link your bank account once then all you need to use GrailPay is your phone number thereafter!

There is no need to create a username and password when you shop at a GrailPay partner merchant.

All we need is your name, cell phone number, email and a linked bank account of your choice.

No need to dig up account or routing numbers, all you need to do for your bank account link is login.

The first time you shop and link your bank account, we remember your info. The next time you pay-by-bank using GrailPay, at a merchant, all you need is your phone number for us to send an OTP (one-time passcode). Once you enter your passcode all you have to do is confirm your order and you're all set!

Instant Cashback is GrailPay's way of rewarding the shopper when they pay with GrailPay at checkout.

Instant Cashback serves as a discount on GrailPay transactions which translate to free money back in your wallet – instantly.

No points, no gift cards, just cash, back in your pocket.

For example, on a $100 purchase with 5% Instant Cashback, you'll only pay $95!

No! GrailPay moves money via ACH which is free to shoppers.

GrailPay makes money by charging merchants a small fee on every transaction. This fee is much lower than any other payment method (sometimes 75% less!) so paying with GrailPay is the best way to support your favorite businesses.