Marshall Greenwald

Marshall Greenwald is the Founder and CEO of IoniaPay, a fintech company he established in February 2015 and has led continuously since. He concurrently serves as CEO of Cray Pay, a role also held since February 2015. IoniaPay's flagship product is a consumer-to-merchant payment rail called Instant Direct Payments (IDP), which delivers instant payments and instant settlement without multiple intermediaries, funds merchants within minutes, and is designed to eliminate fraud and reduce acceptance costs. The product creates a direct connection between consumers and merchants, bypassing traditional card network infrastructure and removing the intermediaries that Greenwald identifies as introducing fraud risk and settlement delays into conventional payment processing.

Greenwald entered the payments industry in the late 1990s working at a bank's credit card division, an experience he has described as formative in identifying systemic inefficiencies in payment processing. By 1999 he had resolved to operate independently, leading to the founding of Discount Payment Services, where he served as President and CEO from April 2002. He subsequently founded Ionia in February 2015, which became the parent entity for IoniaPay. Outside his operating roles, he serves as a Strategic Advisory Board Member at WHEN Enterprises Corp, a Key Thought Leader and Advisory Board Member at UC Irvine, an ETA Crypto and Blockchain Committee Member, and an Industry Leader affiliate at KeyBank Commercial. He attended Arizona State University and Mesa Community College.