AccessPay vs Gr4vy

AccessPay connects business finance and back-office systems to banks for payments, collections, and bank statement retrieval. It supports Bacs, Faster Payments, CHAPS, SWIFT, SEPA, and Direct Debit collections, and says it connects finance applications with more than 11,000 banks worldwide. ERP, payroll, and other back-office systems can connect through SWIFT, Host-to-Host, EBICS, sFTP, or API. Its file transformation engine handles formats including CSV, Standard18, and PAIN, as well as less common formats. Fraud and error controls include payment screening, beneficiary checking, sanctions screening, and Confirmation of Payee capabilities. Security measures listed include masked and encrypted transaction data, MFA or SSO login, user access controls, segregation of duties, and audit trails. The platform does not cap transaction count or value, though payment schemes may set their own value limits. Pricing is on request and depends on estimated annual transaction volumes, users, and required configurations and workflows. Initial setup carries a one-time professional services fee of 25%; bank fees are separate.

Gr4vy is a cloud payment orchestration platform for merchants and payment platforms. The company says it connects to more than 400 payment methods and anti-fraud providers through one integration. Users can set no-code rules for routing, retries, and payment workflows, and tailor checkout options to factors such as region, currency, or cart contents. Gr4vy for Platforms offers a white-label way to manage sub-merchants through a single integration. Payment channels include cards, digital wallets, BNPL, bank-to-bank transfers, gift cards, and local payment methods. Documentation describes web payments, native iOS and Android SDKs, React Native support, and pre-built plugins for commercetools, Magento, and Salesforce Commerce Cloud. Gr4vy describes its infrastructure as single-tenant IaaS, with independent customer instances and regional deployment options. The company states that it is PCI DSS Level 1 compliant and SOC 2 Type 2 certified, and supports multiple data-protection regimes. Pricing is on request. There is no free trial or live demo, but a sandbox is available for testing.