MassPay Validate expands cross-border payments

MassPay, a seven‑year‑old payments firm headquartered in Las Vegas, has built a network that moves electronic payouts to recipients in 180 countries, positioning it as a global conduit for both consumer disbursements and B2B settlements.

MassPay Validate is offered as a separate product that can be adopted by any enterprise, even those that do not run their regular payouts through the MassPay platform. The service is engineered to work with both personal and corporate bank accounts, extending its utility across a wide range of payment scenarios.

Why failed payouts keep happening

About 13% of electronic payouts fail because of incorrect or outdated account information, according to MassPay. Errors can stem from manual entry mistakes, stale records, or even deliberate tampering with payment instructions. The company says these failures often leave recipients expecting funds that never arrive.

“Every failed payout has a person on the other end of it who did nothing wrong,” said Ran Grushkowsky, MassPay’s cofounder and CEO. “They were told they were paid. They check, and the money isn’t there.” Grushkowsky took over as CEO in January, replacing cofounder Jeffrey Katz, who remains on the company’s board.

How the verification works

MassPay Validate checks account ownership in real time and assigns a “confidence score” to the name match. Businesses can then decide whether to proceed with the transfer, flag it for review, or block it entirely. The service can be used during supplier onboarding or just before a payment is initiated.

The tool also complies with new payment rules, including Nacha’s WEB Debit rule, which requires account verification for ACH transactions in the U.S. Pricing is set at an “agreed rate” with no minimum volume requirements, the company says.

For businesses that rely on cross‑border payments, the stakes are higher than just delayed funds. A failed transfer can mean lost trust, disrupted supply chains, or even legal disputes if the money was meant for a time‑sensitive obligation. The verification step doesn’t just catch errors—it shifts the burden of proof back to the sender, forcing them to confirm the recipient’s details before any money moves.

MassPay’s latest financials show a 408% year-over-year increase in payout volume for the June quarter, along with a 98% rise in revenue. The company did not disclose absolute figures.

The service arrives as businesses increasingly seek ways to reduce payment failures without adding friction to their processes. Whether it gains traction may depend on how well it balances speed with accuracy—and whether companies see enough value to pay for an extra layer of validation.

By delivering verification at the moment a payment instruction is created, MassPay Validate eliminates the need for a separate pre‑screening batch. This immediacy allows finance teams to keep workflows uninterrupted while still obtaining a clear indication of whether the destination account truly belongs to the intended payee.

The confidence score generated during the check reflects how closely the supplied name aligns with the account holder’s official records. A higher score signals a strong match, giving issuers the assurance to release funds, whereas a lower score prompts a manual review or outright block, reducing exposure to fraud or misdirected transfers.

Because the pricing model does not impose volume thresholds, organizations of any size—from startups handling a few dozen payouts a month to multinational corporations processing millions—can adopt the validation layer without committing to a baseline spend. This flexibility is intended to encourage broader uptake across diverse market segments.

In addition to mitigating accidental errors, the real‑time verification helps companies satisfy regulatory expectations tied to the Nacha WEB Debit rule. By confirming account ownership before an ACH debit is initiated, firms demonstrate proactive compliance, which can be critical during audits or when addressing regulator inquiries.

The ability to embed validation at both onboarding and pre‑payment stages gives businesses a two‑pronged defense. During onboarding, the service can verify new vendor details before they are entered into the procurement system, while the pre‑payment check acts as a safety net for any changes that might have occurred after the initial data capture.