Earn your financial freedom

No credit necessary

We’ll never do a credit check or impact your credit score.

No fees

GrailPay will never charge you fees – savings without the catch.

Security + privacy

Payments using the most secure payments infrastructure.

Amazing savings

Pay less when you pay with your bank account.

Ultra-fast rewards.

Link your bank account once then all you need is your phone number to checkout and earn Instant Cashback.

When we say Instant—we mean it.

  • Auto-applied

    Instant Cashback is auto-applied as a discount to your purchases with GrailPay.

  • One account—many merchants

    Earn Instant Cashback whether you're buying groceries, shoes, or soap.

  • First purchase reward

    You are rewarded a bonus amount the first time you pay with your bank account.

GrailPay is the best way to pay.

The fastest, most secure way to pay at checkout. Rewards appear in real-time, so you'll always earn what you deserve.

Traditional Checkout
  • quiz Confusing point systems
  • thumb_down_off_alt Fees & interest eat into cashback
  • do_disturb Fraud-prone
  • sentiment_dissatisfied Clunky checkout
  • task_alt First purchase rewards
  • task_alt Instant Cashback (way more than credit cards)
  • task_alt Highly secure
  • task_alt Ultra-fast checkout Verify your phone number to pay

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.