Super-simple. Ultra-fast.

Link your bank account once and experience ultra-fast checkout.

  • Shop at the brands you love

    Shop at your favorite brands knowing you’re going to earn Instant Cashback at checkout.

  • Choose GrailPay

    Choose GrailPay when you’re going to pay, knowing you’re paying with merchants’ preferred and secure checkout payment partner.

  • Pay with just your phone number

    If you’ve paid with GrailPay before, all you need is your phone number to pay. Checking out and earning Instant Cashback has never been so easy.

  • One-time setup

    Link your bank account once (same way you would with Venmo/PayPal) to pay your favorite brands direct from your bank account. We never sell your info and your privacy is our top priority.

  • Earn Instant Cashback on every purchase

    Checkout and reap immediate savings with Instant Cashback discounts. Shopping has never been this easy and rewarding!

Your privacy & security is our number one priority—we mean it.

Shop worry-free with our easy and fair dispute resolution process

Our in-house dispute management team ensures that in the unlikely scenario you dispute a transaction, we’re there to help recover your money.

Pay safely with the most secure payments infrastructure

GrailPay maintains the highest levels of data security to ensure your personal information is always kept safe. Rest easy knowing your privacy & security is our top priority.

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.