We're building the payment infrastructure that high-risk merchants deserve — transparent, reliable, and built for scale.
Too many legitimate businesses get shut out of traditional payment processing. They're labeled "high-risk" not because they're bad actors, but because their industry doesn't fit a cookie-cutter risk model.
We've seen it firsthand: merchants with great products, loyal customers, and solid track records — rejected by Stripe, Square, and PayPal without explanation. Left scrambling for alternatives that charge predatory rates or provide terrible service.
GrayPay was built to change that. We created a platform that bridges the gap between merchants and the sponsor banks willing to work with them. Our technology handles the complexity so you can focus on your business.
To give every legitimate merchant access to reliable, transparent payment processing — regardless of their industry classification.
No hidden fees, no surprise holds, no black-box decisions. You'll always know exactly why a transaction succeeded or failed.
Our VAMP scoring and decline intelligence catch problems before they become chargebacks. We're your partner in risk, not just a payment processor.
Merchants, banks, ISOs, and partners all get their own dedicated portals. Everyone sees the data they need, the way they need it.
298+ API endpoints, 99.9% uptime SLA, PCI DSS compliance. We're not a startup playing at enterprise — we're built for serious volume.
Most payment processors treat high-risk merchants as a problem to be managed. We see them as businesses that deserve better tools.
Our platform doesn't just process payments — it gives you intelligence. Every decline becomes a learning opportunity. Every chargeback gets tracked and analyzed. Every routing decision is optimized for your specific risk profile.
We work directly with sponsor banks who understand that "high-risk" doesn't mean "bad business." Together, we've built relationships that give our merchants access to processing capacity that would otherwise be impossible to find.
CEO & Founder
15+ years in payment processing. Previously VP at a top-10 US acquirer. Built multiple fintech platforms from zero to $1B+ in annual volume.
CTO
Former engineering lead at Stripe. Expert in distributed systems and real-time payment processing. PhD in Computer Science from MIT.
Chief Risk Officer
20+ years in risk management. Former Head of Risk at a major sponsor bank. Developed VAMP scoring algorithms that power GrayPay.
Chief Compliance Officer
Former regulator and compliance expert. Specializes in PCI DSS and high-risk merchant compliance. Ensures we stay ahead of regulations.
Join the merchants who've found a payment partner that actually works for them.
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