The Future of ACH and Instant Payments

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.

You can listen to The Future of ACH and Instant Payments online on Radio and Podcast. Open the player on this page to stream the available audio.

The Future of ACH and Instant Payments is an episode from Merchant Sales Podcast by Merchant Sales Podcast.

This episode is 00:55:16 long.

This episode was published on Mar 27, 2026.

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