Payments veterans and technologists building the infrastructure that high-risk merchants deserve.
We've spent years in the trenches of payment processing, seeing firsthand how the industry fails legitimate businesses.
Strategic Vision
20+ years in payment processing and financial technology. Previously led merchant services at a top-10 acquiring bank.
Technology & Platform
Former engineering lead at fintech unicorn. Built systems processing $50B+ annually. Obsessed with uptime and developer experience.
Compliance & Security
15 years in payment risk management. Built fraud prevention systems for major card networks. PCI QSA certified.
We watched too many good businesses get crushed by the payment industry's one-size-fits-all approach to risk.
A nutraceutical company with 15 years of clean history — terminated without warning. A subscription box service with a 0.3% chargeback rate — denied processing because of their "category." An e-commerce brand doing $10M/year — stuck with a 4.5% rate because no one else would touch them.
These weren't bad actors. They were legitimate businesses that didn't fit the risk models of traditional processors.
We built GrayPay because someone had to. The technology existed to do this better — to give merchants visibility into their transactions, to catch problems before they became chargebacks, to connect them with sponsor banks who actually understood their business.
We just had to put it all together.
No hidden fees. No surprises. Clear explanations for every decision.
We succeed when our merchants succeed. Your risk is our risk.
99.9% uptime isn't a target — it's the minimum. We build for scale.
We do the right thing, even when it's hard. Especially when it's hard.
We're always looking for talented people who believe in what we're building.
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