GracePay is the free point-of-sale built for funeral service. Families choose card, bank transfer, or simple installments — and your funeral home receives 100% of the invoice upfront, no matter what they pick.
Free to install · Zero merchant fees · No change to your arrangement process
of funeral invoices end up written off industry-wide (NFDA)
of American families can't cover a $1,000 emergency expense
upfront payout to your funeral home with GracePay — on every service
The insurance assignment that drags on for 60, 90, 120 days — while your payroll, your casket supplier, and your mortgage didn't agree to wait.
The payment plan you never wanted to be in the business of offering — you're a funeral director, not a bank. But every at-need family without savings turns you into one.
The collection call you dread making — there is no comfortable way to call a grieving widow about an unpaid balance. So the balance sits. And sits.
The write-offs you've learned to accept as "part of the business" — one or two in every ten services, quietly coming straight out of your family's livelihood.
It's not one problem. It's a chain: families can't pay all at once → you extend terms → you carry the risk → you absorb the loss. GracePay breaks the chain.
You shouldn't have to choose between compassion for a grieving family and protecting your business. With GracePay, you don't.
You're paid in full when arrangements are made — not in 90 days, not "when the insurance comes through." Whatever payment option the family chooses, your payout is the same: all of it, upfront.
No hardware cost, no monthly software bill, no processing fees out of your pocket — ever. Consumer fees are carried by the family's chosen payment option, never deducted from your payout.
Short-term, low-interest installments with accessible approval standards — built for real families in a hard week, not just perfect credit scores. Approval happens in minutes, right at the arrangement table.
Credit card, direct bank transfer (ACH), and pay-over-time financing in a single point of sale. One screen for your arrangers, one receipt for the family, one deposit for you.
GracePay fits inside the arrangement conference you already run — no new workflow, no retraining, nothing for your staff to learn beyond one simple screen.
During the arrangement conference, the family sees their choices on one screen: pay by card, pay by bank, or pay over time.
They pick what fits their situation. If they choose installments, approval takes minutes — at the table, with compassion built in.
Your funeral home receives 100% of the invoice upfront. GracePay handles everything after that. No balances. No follow-up calls.
Once a family completes payment through GracePay — card, bank, or installments — your payout is 100%, upfront, final. If the family stops paying their installments later, that risk belongs to GracePay and our lending partners. Not to you.
You will never field a collection call, track a balance, or write off a GracePay-processed service. That's not a feature. It's the whole point.
| Payment Method | What the Family Gets | What You Get |
|---|---|---|
| Credit Card | Familiar checkout, points and protections they already use | Full payout, upfront |
| BankPay (ACH) | Direct bank transfer — the lowest-cost way to pay | Full payout, upfront |
| Pay Over Time | Short-term, low-interest installments when paying in full isn't possible | Full payout, upfront |
Whatever the family chooses, your payout is the same: 100%, upfront. Consumer fees are carried by the payment option — not your funeral home.
See exactly how GracePay would work in your arrangement room — with your numbers. Tell us a little about your funeral home and we'll reach out to schedule it.
Now onboarding a limited group of founding partner homes.
Prefer to talk now? Call 712-260-2176 or email contact@trygracepay.com