Grailpay Risk Intelligence Platform is a modular, API-driven service designed to evaluate risk at critical decision points in the payment lifecycle. Built to support secure and scalable financial operations, the Risk Intelligence platform provides real-time analysis for both bank account validation and transaction risk evaluation, helping partners make informed decisions before onboarding users or moving funds.

Whether you’re evaluating a new payee or assessing the safety of a payment, Risk Intelligence gives you the insights needed to reduce fraud, enforce compliance, and protect your financial network.

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Account Intelligence

Account Intelligence enables you to evaluate the validity of a bank account before funds are moved or accounts are created. It is intended to support safe onboarding and payment setup by providing insight into the integrity of account and routing number combinations to prevent operational returns.

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Transaction Intelligence

Transaction Intelligence evaluates the risk associated with a specific transfer of funds between two parties at that moment in time. It helps determine whether a transaction should be allowed, flagged, or blocked—based on a range of contextual and behavioral inputs.

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Use Cases

  • Prevent fraudulent ACH payments before they happen.
  • Automate onboarding checks for new users and/or businesses.
  • Enforce compliance policies.
  • Establish a defensible audit trail for transaction decisions.

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Built for Security & Scale

Risk Intelligence is deployed as a dedicated, high-performance API that integrates seamlessly into your existing systems. It’s built to scale with your application, whether you’re processing thousands of transactions per day or vetting high volumes of bank accounts during onboarding.