The Future of ACH and Instant Payments

What this episode covers

ACH has long been a frustrating part of payments — slow settlement, complex onboarding, and limited control. In this episode of the Merchant Sales Podcast, James Shepherd sits down with Will Messina, CEO of GrailPay, to break down how modern infrastructure is transforming ACH. They discuss why legacy ACH has struggled for decades, how better risk modeling enables faster funding, and what it takes to create a seamless experience for agents, ISOs, and merchants. The episode also features Patti Murphy’s Today in Payments segment, covering Walmart’s AI checkout results, new interchange legislation, Klarna’s growth, and Mastercard’s move into stablecoins. If you’re an agent or ISO looking to improve cash flow, reduce risk, and stay competitive, this episode is a must-listen.

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Frequently Asked Questions

How long is this episode of Merchant Sales Podcast?

This episode is 55 minutes long.

When was this Merchant Sales Podcast episode published?

This episode was published on March 27, 2026.

What is this episode about?

ACH has long been a frustrating part of payments — slow settlement, complex onboarding, and limited control. In this episode of the Merchant Sales Podcast, James Shepherd sits down with Will Messina, CEO of GrailPay, to break down how modern...

Can I download this Merchant Sales Podcast episode?

Yes, you can download this episode by clicking the download button on the episode player, or subscribe to the podcast in your preferred podcast app for automatic downloads.