Merchants can add account-to-account payments through a single integration within Gr4vy’s orchestration layer

San Mateo, March 31, 2026: Gr4vy, the cloud-based payment orchestration platform, today announced a strategic partnership with Plaid, the global data network powering open-banking connections for fintechs and financial institutions. The collaboration enables merchants using Gr4vy to offer Pay-by-Bank, also known as account-to-account (A2A) payments, as part of their core checkout experience, providing a lower-cost alternative to card transactions without additional integration complexity.

Account-to-account payments are becoming an increasingly important part of the global payments mix as merchants seek to reduce fees and improve payment reliability. Industry estimates project the global A2A payments opportunity to reach approximately $4 trillion (£3 trillion) by 2030, driven by the expansion of open banking and real-time payment infrastructure across major markets.

Through the integration, Gr4vy merchants gain direct access to Plaid’s bank connectivity, allowing customers to authenticate and pay directly from their bank accounts during checkout. Plaid’s network supports millions of financial interactions each day and connects users to more than 12,000 financial institutions across the U.S., Canada, the U.K., and Europe. Its technology is used by leading fintech platforms, Fortune 500 companies and global banks.

John Lunn, Founder and CEO of Gr4vy, said the partnership reflects a shift in how merchants approach payment strategy. “By integrating Plaid into our orchestration layer, we’re enabling merchants to introduce Pay by Bank globally through a single connection, helping them reduce costs, improve conversion, and offer a trusted alternative to card payments.”

The integration also enables merchants to apply real-time ACH risk insights via Plaid Signal, approving more good payments and reducing failed payments due to insufficient funds or fraud. This allows payment routing and risk decisions to be managed within the same orchestration layer, rather than through separate systems.

“Our partnership with Gr4vy makes it easier for merchants to adopt Pay by Bank within a modern payment architecture,” said Adam Yoxtheimer, Head of Partnerships at Plaid. “As open banking continues to shape how payments are initiated and authorised, this integration gives businesses a straightforward way to offer bank-based payments alongside cards.”

The partnership combines Plaid’s open-banking connectivity with Gr4vy’s flexible orchestration layer, enabling merchants to add Pay by Bank with minimal development effort, benefit from lower processing costs through ACH, and improve conversion by routing bank transfers using real-time, risk-aware decisioning. The Gr4vy–Plaid integration is now available to enterprise merchants and platforms looking to modernise their payment infrastructure and support bank-based payments through a unified orchestration layer.

The eCommerce solutions leader partners with Gr4vy to unify fulfillment and payments across channels

San Mateo, March 12, 2026: Radial, a leading 3PL set to become Paxon later this year, has chosen Gr4vy, the cloud-based payment orchestration platform, to enhance its commerce and payments capabilities for enterprise retailers operating at scale.

Supporting national and global retailers, Radial helps brands run complex, high-volume eCommerce operations from order management and fulfillment to the handling of payments, fraud, and returns at scale. As payments play a growing role in conversion, fraud performance, and the overall shopping experience, Radial identified the need for a payment orchestration layer that could work within its existing commerce and fulfillment architecture, without disrupting how retailers already operate at scale.

“Radial works with retailers operating at a level of scale and complexity where payments can’t be treated in isolation,” said John Lunn, Founder and CEO of Gr4vy. “This partnership is about giving enterprises flexibility while keeping their payments stack under control as logistics, fulfillment, and risk requirements evolve.”

Through Gr4vy’s cloud-native payment orchestration platform, Radial can integrate and manage multiple payment service providers, fraud tools, and payment methods without disrupting existing checkout or fulfillment workflows. The collaboration enables Radial to extend more value to its retail clients behind the scenes, supporting optimization across authorization rates, fraud performance, and customer experience.

As part of this setup, Radial will leverage its current PSP  for core payment processing while integrating Gr4vy into its chosen fraud stack, enabling coordinated decision-making across payments and risk without creating operational silos.

“Retail doesn’t stop at checkout,” Michael Habermann, Senior Director of Commerce Solutions at Radial. “Payments must operate seamlessly with the broader operational ecosystem. Gr4vy gives us the flexibility to orchestrate payments in a way that matches the complexity of our clients’ omnichannel environments, while delivering the scale, resilience, and reliability enterprise retailers require.”

The collaboration reflects how Radial continues to evolve its platform in response to changing retail demands, as payments take on a more central role in commerce. By working with Gr4vy as a strategic partner, Radial is strengthening the connection between payments and fulfillment, giving retailers greater flexibility while maintaining the performance, reliability, and regulatory standards required across global operations.

Enterprises can now access AI-driven fraud prevention and compliance tools directly through Gr4vy’s payment orchestration layer

San Mateo, February 17, 2026: Gr4vy, the cloud-based payment orchestration platform, today announced a new integration with Sardine, the leading agentic platform to fight financial crime. The integration allows Gr4vy customers to embed fraud solutions, including real-time transaction monitoring, fraud interdiction, and BSA/AML compliance tools, directly into their payment orchestration stack without additional development. 

The announcement comes as fraud becomes an ongoing operational reality for merchants, with 98% of businesses experiencing at least one form of fraud each year. Sardine supports enterprises operating in more than 70 countries by detecting fraud in real-time using device intelligence, behavioral biometrics, and machine-learning models. To date, Sardine has protected over $1T in transaction volume for 565M consumers and 2.7M businesses. 

Integrated into Gr4vy’s orchestration layer, Sardine’s fraud fighting capabilities can now be activated through a single connection, simplifying how merchants manage risk across payment flows. Gr4vy merchants can automate fraud decisions, reduce manual reviews, and limit false positives while maintaining fast checkout experiences. Risk logic can be updated without disrupting payment routing or performance, helping teams respond more efficiently as fraud patterns evolve.

John Lunn, Founder and CEO of Gr4vy, said the integration reflects the growing need to treat fraud as part of the core payment infrastructure rather than a separate system. “Fraud prevention shouldn’t slow down payments; it should improve how decisions are made,” said Lunn. “By integrating Sardine, merchants can manage fraud detection and payment orchestration together, while preserving the flexibility and speed required to operate at scale.”

“When you have payments, you will inevitably have fraud. And as payment ecosystems become more complex, merchants need solutions that can address risk and compliance without impacting performance,” said Soups Ranjan, CEO and Co-Founder of Sardine. “Our partnership with Gr4vy allows merchants to run fraud and AML controls through a single integration, simplifying how risk is managed across payment methods and geographies.”

Together, Gr4vy and Sardine provide a more integrated approach to managing fraud and risk. Merchants can leverage device fingerprinting, behavioral biometrics, and real-time webhook updates to detect and respond to suspicious activity across payment flows. Gr4vy’s event streaming shares transaction outcomes with Sardine’s fraud models to continuously improve detection accuracy over time. As a result, merchants can strengthen fraud protection while improving acceptance rates and reducing friction and costs across their payments stack.

Merchants Can Now Run Fraud Engines in Parallel Without Impacting Checkout Performance

San Mateo, January 28, 2026: Gr4vy, the cloud-based payment orchestration platform, today announced the release of Silent Mode for its anti-fraud connectors, a new feature that lets merchants deploy multiple fraud detection services in parallel, enabling evaluation, warming up, or migration of new providers without disrupting live payment decisions or slowing checkout.

Fraud and financial crime remain significant challenges for global merchants. In fact, 79% of organizations experienced attempted or actual payment fraud in 2024. As the scale and sophistication of attacks grow, businesses are seeking ways to test and optimize fraud systems without putting live transactions at risk. With Silent Mode, merchants can now designate one anti-fraud service as their active engine, determining the live transaction outcome, while additional services operate in the background.

“Silent Mode represents a fundamental shift in how enterprises approach fraud management,” said Cristiano Betta, Chief Product Officer at Gr4vy. “For the first time, merchants can run multiple fraud providers in parallel, collect live data, and make confident decisions, all without sacrificing speed or customer experience.”

Through Gr4vy’s single integration, merchants can activate and configure a new silent service in minutes, eliminating the complex, high-risk development work traditionally required to test new fraud tools. This ability to run multiple services in parallel significantly de-risks vendor migration, allowing merchants to confidently switch anti-fraud providers with zero downtime and a complete performance record. The system operates asynchronously, meaning calls are processed independently of the active transaction flow and do not affect checkout speed. The global online payment fraud detection market is expected to reach US $41.25 billion by 2034, growing at a 14.6% CAGR from 2025. Within this landscape, Silent Mode offers merchants a practical way to test tools, benchmark providers, and strengthen fraud strategies while maintaining uninterrupted checkout performance.

Gr4vy continues to lead the orchestration space by helping merchants streamline complex payment and risk infrastructures through a single, cloud-native platform. Silent Mode extends Gr4vy’s focus on giving merchants clearer control over their payment and risk operations, along with more room to test and refine their fraud strategies.

San Mateo, January 7, 2026: Gr4vy, the cloud-based payment orchestration platform, today announced a new partnership with Affirm (NASDAQ: AFRM), the payment network that empowers consumers and helps merchants drive growth. This integration enables merchants using Gr4vy to offer Affirm’s flexible and transparent payment options to eligible customers across online and mobile checkout. 

Merchants can enable Affirm directly from their Gr4vy dashboard without modifying checkout code or adding new integrations. Once a merchant is approved by Affirm, the API key is securely connected to their dedicated Gr4vy instance, enabling rapid deployment across online and mobile checkout. By offering Affirm at checkout, Gr4vy merchants give approved customers the option to split eligible purchases into biweekly or monthly payments. Customers undergo an eligibility check each time they choose Affirm and will never incur late or hidden fees.

“Merchants want to meet customers where they are, with flexibility and trust,” said John Lunn, Founder and CEO of Gr4vy. “By integrating Affirm directly into our orchestration platform, we’re making it easier for businesses to offer transparent payment options that drive sales and customer loyalty without adding operational complexity.”

Offering Affirm at checkout can help businesses drive overall sales, increase average order value, and reach new customers. Merchants can go here to learn more about Affirm.

Strategic partnership increases payment approval rates and gives FuturHealth greater control over its payment infrastructure

San Mateo, december 9, 2025: FuturHealth, a leading provider of personalized weight-loss solutions, today announced that it has selected Gr4vy, the cloud-native payment orchestration platform, to strengthen its payment infrastructure and improve performance across the board. Since going live with Gr4vy, FuturHealth has increased its authorization rate, reducing failed transactions and driving more successful checkouts.

Digital health depends on reliability, and that includes payments. When transactions fail, it can disrupt access to care and damage trust. Before switching to Gr4vy, FuturHealth’s authorization rate suboptimal, largely due to limited retry capabilities and rigid transaction routing. By partnering with Gr4vy, FuturHealth can now intelligently route transactions across multiple payment service providers (PSPs) and dynamically retry failed payments. 

“Every failed payment is a missed opportunity. Our goal is to give companies like FuturHealth the tools to recover revenue, improve performance, and adapt quickly, without adding complexity,” said John Lunn, Founder and CEO of Gr4vy.

FuturHealth selected Gr4vy for its ability to deliver full orchestration capabilities, including dynamic routing, built-in retries, and the flexibility to adapt quickly to changing payment needs. Gr4vy worked closely with FuturHealth to design a tailored optimization strategy, combining built-in retry capabilities with multi-PSP routing to recover failed transactions and reduce unnecessary declines. 

With Gr4vy, FuturHealth now benefits from a 360° orchestration platform built for flexibility and speed. The no-code, drag-and-drop interface allows their team to configure routing strategies and respond to payment trends in real-time. This has made it easier to optimize checkout conversions while reducing payment processing costs.

“Gr4vy gave us the flexibility and control we needed to fix our payments performance,” said Luke Mahoney, CEO and Co-Founder at FuturHealth. “The improvements to our authorization rate were immediate, and the platform has made it easier for us to move quickly and adapt to changing needs.”

Gr4vy’s cloud-native platform provides the infrastructure needed to scale payments securely, optimize across multiple PSPs, and maintain a consistent experience as the business grows. By improving transaction performance and increasing approvals, the partnership supports FuturHealth’s focus on delivering a better experience to every customer. 

It also reflects Gr4vy’s broader goal: to help merchants capture more of the revenue they’ve already earned by turning preventable declines into approved transactions.

San Mateo, December 4, 2025: Gr4vy, the cloud-native payment orchestration platform, has been recognized in both of FinTech Futures’ award programs this year, winning Best Business Payments Solution for Merchants & Sellers at the PayTech Awards USA 2025 and Best Digital Solution Provider – PayTech for Businesses at the UK BankingTech Awards. As Gr4vy’s first year being nominated in either program, the dual recognition marks an important milestone in its work to modernize enterprise payment infrastructure.

The awards acknowledge the practical impact Gr4vy has on merchants facing increasingly complex payment requirements. Instead of juggling separate systems and workarounds, Gr4vy gives companies a single cloud-native platform to add providers, adjust routing, and monitor performance with far less operational strain, making it easier to support new markets and maintain resilience as they scale.

“Our aim has always been to give enterprises practical control over their payment stack without adding complexity,” said John Lunn, Founder and CEO of Gr4vy. “This recognition reflects a broader shift in the industry. Enterprises need infrastructure that moves at the same speed as the surrounding changes, and that’s the direction we’re investing in.”

Enterprises today navigate fragmented PSP integrations, rising operational demands, and increasingly strict localization and compliance rules. Gr4vy was built to address these exact challenges through: 

• Multi-PSP routing that helps merchants improve approval rates, manage costs, and maintain continuity during provider outages.

• No-code workflows that let teams build, test, and adjust payment logic without relying on engineering resources.

• Tokenization and PCI Level 1 compliant vault that supports secure sensitive data storage and network token management.
  
• Single-tenant deployment that gives merchants dedicated infrastructure, full data control, and easier compliance with regional regulations.
  
• Checkout SDKs and APIs that enable fast integration across channels and allow customization for different markets.

• Operational tooling that provides real-time monitoring, detailed logs, and clearer reconciliation for finance and ops teams.

In 2025, Gr4vy further expanded its capabilities with the launch of Gr4vy Insights, an embedded analytics suite that brings enterprise-grade visibility and intelligence to the payments layer. Insights gives cross-functional teams actionable reporting, configurable alerts, A/B testing for routing strategies, and granular filtering across issuer, currency, region, and card scheme, all from a single dashboard. The goal is to replace manual processes and fragmented dashboards with a single source of truth for payment performance.

Companies including WPay, Trek, and Grammarly (now Superhuman) use Gr4vy to simplify payment operations and scale across markets. Merchants typically reduce engineering workload by about 30%, improve approval rates through smarter routing, and rely on 99.999% uptime thanks to Gr4vy’s platform architecture. With support for over 400 global providers and features tailored for enterprise needs, Gr4vy has become a core layer in many enterprise payment stacks.

The awards are organized by FinTech Futures and recognize achievements across the payments and banking technology sectors. For Gr4vy, the recognition aligns with its 2026 priorities, which include expanding orchestration capabilities, strengthening analytics, and adding more automation across the payments layer. It also reflects the broader industry shift toward payment systems that can absorb regulatory change, new methods, and cross-market complexity without constant rebuilds. Gr4vy is focused on providing that foundation through a cloud-native platform that continues to expand its connectivity to PSPs and APMs, improving acceptance, cost management, and routing across providers.

Building on 2024 strategic alliance, partnership expands to new regional and industry initiatives, helping merchants scale payments globally with greater speed, flexibility, and local relevance.

San Mateo, November 19th 2025 – Gr4vy, the cloud-based payments orchestration platform, and Worldline, a global leader in payment services, have strengthened their partnership to expand global payment capabilities for merchants. Since announcing their strategic alliance in August 2024, the collaboration has matured from initial integration to delivering new initiatives across markets and industries, helping businesses streamline cross-border payments, localize experiences, and accelerate international growth.

The partnership combines Gr4vy’s flexible payment technology with Worldline’s global acquiring network and regional infrastructure, giving merchants a single, scalable way to enter new markets and optimize payments locally. Together, the two companies are delivering solutions that reduce technical complexity and operational overhead while improving customer experience and conversion across regions.

Expanding Industry Solutions Beyond Initial Focus

Building on the partnership’s initial focus on gaming, media, retail and digital goods (areas where transaction volumes, recurring billing, and compliance requirements create additional challenges), the collaboration now includes specialized solutions for the travel industry. The integration includes Worldline’s TravelHub, designed specifically for airlines, OTAs, and hospitality brands. TravelHub provides a single interface for accessing local payment methods, FX conversion, refund automation, and fraud protection, simplifying multi-market operations and enabling faster expansion.

“Our mission has always been to remove complexity from payments,” said John Lunn, Founder and CEO of Gr4vy. “Through our continued collaboration with Worldline, we’re giving merchants the tools and connections to grow faster, supported by the reach, reliability, and expertise of a global payments leader.”

“We’re excited to expand our relationship with Gr4vy,” said Guillaume Tournand, VP of Strategic Expansion & Partnerships at Worldline Merchant Services. “Together, we’re combining innovation and scale to help merchants optimize their global payment strategies and deliver exceptional customer experiences.”

Roadmap for Continued Innovation

The partnership roadmap continues to expand, with new integrations planned across Worldline Direct, enabling local acquiring for Australian merchants, and Worldline Connect, designed to simplify global scalability. Both companies also plan to collaborate on subscription and recurring payment solutions, reflecting their shared commitment to powering long-term merchant growth.

With a shared focus on innovation, simplicity, and global reach, Gr4vy and Worldline continue to explore new ways to deliver value through technology, connectivity, and expertise, empowering merchants to scale with confidence in every market.

Welcome to the Q3 2025 edition of Gr4vy Pulse, your go-to source for the latest product updates, new features, and enhancements designed to give merchants more control, flexibility, and reach in their payment strategies.  

At Gr4vy, we’re always innovating to give merchants more flexibility, visibility, and control over their payments. This quarter’s Gr4vy Pulse release introduces new connectors, fraud tools, and infrastructure enhancements that help enterprises boost authorization rates, manage risk, and expand into new markets, all while staying fully compliant.Below is a look at what’s new in Q3 2025.

Transaction Dispute Flagging

Gain chargeback visibility directly in the Gr4vy Dashboard. Merchants can now view chargebacks and reversals for any connector with settlement reporting, plus use a new “Disputed” filter to instantly surface flagged transactions for a centralized view of dispute activity.

Expanded Settlement Reporting

We’ve added support for Cybersource settlement reports and dLocal end-to-end reconciliation, giving merchants deeper visibility into settlements, refunds, and cross-border transactions—all through the Gr4vy Settlement Report.

3DS Enhancements for Security and Resilience

Two major 3DS updates this quarter:

• Cartes Bancaires 3DS Support: Meeting regional requirements in France with co-badged card compatibility.

• 3DS Failover Orchestration: An intelligent layer that boosts uptime and reliability by routing between providers when needed.

Fraud Prevention with Sardine

Our new Sardine connector integrates advanced device fingerprinting, behavioral biometrics, and real-time webhook notifications—helping merchants reduce fraud losses, strengthen compliance, and deliver a smoother, more secure checkout.

PayFac Support via Fiserv

Gr4vy now supports Payment Facilitators (PayFacs) through Fiserv, including PayFac API integration, sub-merchant data fields, and zero-dollar authorizations for card verification and tokenization.

New Payment Connections Worldwide

• Gr4vy continues to expand local payment coverage with five new connectors:
• Przelewy24 (P24) via Nuvei – Poland’s leading bank transfer method.
• Moneris – Direct integration for Canada’s largest processor, supporting card lifecycle and digital wallets.
• BlueSnap – Global card processing with 3DS and recurring payment support.
• iDEAL via Buckaroo – Built on iDEAL 2.0 for a streamlined Dutch checkout experience.
• Pagos Seguros en Línea (PSE) via Nuvei – Colombia’s trusted real-time bank transfer option.oo integration supports card transactions for the Dutch market, making it easier for enterprise merchants to improve local acceptance and drive regional growth.

Together, these updates empower merchants to scale globally, meet local payment preferences, and deliver secure, optimized experiences worldwide. To learn more about how these updates can help you streamline payments, expand globally, and future-proof your checkout, check out our documentation or visit gr4vy.com/pulse

San Mateo, October 20, 2025: Gr4vy, the cloud-based payment orchestration platform, has announced its collaboration with Mastercard to optimize and streamline payment capabilities for global merchants and platforms. The partnership enables Gr4vy’s merchant customers to integrate Mastercard Merchant Cloud to access advanced payment solutions—including network tokenization, Click to Pay, and Gateway services—directly through Gr4vy’s platform. 

Gr4vy’s no-code platform reduces the technical complexity of integrating payment services. Once connected, merchants can activate Mastercard’s payment solutions on demand—without additional development work—reducing time to market and allowing them to adapt quickly to changing customer expectations. 

“Working with Mastercard marks a significant milestone in our mission to simplify and enhance digital payments for merchants worldwide,” said John Lunn, founder and CEO of Gr4vy. “By integrating Mastercard’s solutions like network tokenization and Click to Pay, we’re helping businesses reduce fraud risk and create a faster, more reliable checkout experience. Together, we’re shaping the future of digital commerce.” 

For example, an enterprise retailer using Gr4vy can enable Mastercard’s network tokenization to replace static card credentials with secure, dynamic tokens, following initial setup and provisioning. At the same time, Click to Pay removes the need for customers to manually enter card details, resulting in a faster and more user-friendly checkout flow. 

Johan Lindstrom, Senior Vice President, Global Partnerships said, “Mastercard’s technologies are helping to remove common barriers that merchants experience when expanding and growing their businesses. Through our collaboration, Gr4vy’s merchant can now implement our card-on-file tokens and Click to Pay solution, enhancing security, accelerating time to market, and transforming the check-out experience for consumers. This agility helps businesses stay ahead in an increasingly competitive digital commerce landscape.” 

Gr4vy was one of only six startups selected to join Mastercard’s inaugural Start Path Acceptance program in 2024, aimed at supporting fintech innovators focused on expanding the acceptance ecosystem around the world.  This recognition underscores Gr4vy’s commitment to helping businesses simplify and strengthen their payment infrastructure. 

This partnership marks a practical step toward broader adoption of tokenized payments. As more merchants look to modernize their infrastructure, Gr4vy is helping to remove complexity from the process—making it easier to integrate secure technologies and keep up with evolving customer expectations.