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Account Intelligence protects against bank account risk

GrailPay matches previously disparate bank account & routing number datasets with machine-learning models, maximizing coverage for validation of your customer’s account & routing number, preempting the threat of failed payments and bad actors.

GrailPay maximizes bank account data coverage.

We are building the largest data layer to protect against bank account & routing numbers' risk.

Use our proprietary machine learning algorithms, maximizing coverage and analytical rigor in accepting a bank account for a payment.

We assess the most account and routing data in the industry

You get a risk score and a confidence assessment of the account's validity.
Risk-Score
Confidence in Account Validity
.81  -  .95
Very High
.61  -  .80
High
.41  -  .60
Medium
-21  -  .40
Low
.00  -  .20
Very Low
Account Number  9876543210
Routing Number  072000001
Structure of the account number provided
Name match on bank account owner
Routing number matches a valid institution
Positive transaction history
Negative transaction velocity
Structure of the account number provided
Name match on bank account owner
Routing number matches a valid institution
Positive transaction history
Negative transaction velocity
Structure of the account number provided
Name match on bank account owner
Routing number matches a valid institution
Negative transaction velocity
Negative transaction velocity

Frictionless approval & onboarding of
more bank accounts with real-time
validation

Account validation embedded in your platform means your native workflows work smarter, and faster. Because your business shouldn’t have to choose between a safer payment experience, and a good customer experience.

Failed payments shouldn’t slow down your ACH program’s growth.

ACH began in the 70’s as a paper check replacement, and has since exploded to be one of the most heavily utilized payment rails in the United States, and, the adoption of newer instant payment methods like RTP and FedNow is surging.
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But the infrastructure for risk mitigation is lagging behind, and current regulations are murky, stifling growth.

Enter GrailPay

Account validation embedded in your platform means your native workflows
work smarter, and faster. Because your business shouldn’t have to choose
between a safer payment experience, and a good customer experience.

Satisfies Nacha requirements
to validate new bank accounts

Name matches the bank account
to your user, reducing fraud

Boosts conversion onboarding
new bank accounts to ACH

Reduces volume of
failed payments

Increases confidence moving money faster, shortening settlement times

Validate accounts before transactions to reduce bank account risk and prevent failed payments with Account Intelligence.