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.
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