Gr4vy vs Stark Bank
Side-by-side comparison of AI visibility scores, market position, and capabilities
Cloud-native payment orchestration platform with a vendor-agnostic vault and visual routing engine, deployed in the merchant's own cloud environment for data sovereignty.
About
Gr4vy is a San Jose-based payment orchestration company founded in 2020 that provides enterprises with a cloud-native payment infrastructure layer deployed directly into the merchant's own cloud environment — a differentiated architecture that addresses data residency, sovereignty, and security concerns that arise when payment data flows through a third-party SaaS platform. The platform includes a vendor-agnostic payment vault for securely storing card data across any processor, a visual routing engine for configuring transaction routing rules without code, and pre-built integrations to major payment processors including Stripe, Braintree, Adyen, and Checkout.com. By deploying within the customer's AWS, GCP, or Azure account, Gr4vy ensures that tokenized card data and transaction records never leave the merchant's infrastructure perimeter, meeting the requirements of enterprise security teams and regulated industries with strict data residency mandates. The platform's visual workflow editor allows payment operations teams to build complex routing logic — including processor failover, A/B testing on checkout flows, and currency-based routing — without engineering involvement. Gr4vy raised $27M from investors including Nyca Partners and Citi Ventures. It competes with Spreedly, Primer, and CellPoint Digital in the payment orchestration market, targeting enterprise merchants for whom data control and deployment flexibility outweigh the simplicity of a hosted SaaS orchestration layer.
São Paulo Brazil YC W20 open banking API at 155B BRL ($31B) payments 2023 with 3x YoY growth and doubled net income; $58.2M total ($45M Ribbit/Bezos Series B 2022) serving Gol/Localiza/QuintoAndar competing for Brazil fintech infrastructure.
About
Stark Bank is a São Paulo, Brazil-based open banking API platform and digital business bank — backed by Y Combinator (W20) with $58.2 million in total funding including a $45 million Series B in April 2022 led by Ribbit Capital with Lachy Groom and Bezos Expeditions (Jeff Bezos's personal investment vehicle) — providing companies with payment processing infrastructure, banking APIs, and financial services built on Brazil's open banking framework. In 2023, Stark Bank processed 155 billion reais ($31 billion USD) in payments (3x year-over-year growth), doubled net income to 71.5 million reais, and serves 600+ enterprise clients including Gol Airlines, Localiza, Ultragaz, Loft, and QuintoAndar. Founded in 2018 by Rafael Stark.
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