Make confident decisions with real-time financial data
One bank connection unlocks a full view of your users' accounts for payments, underwriting, and whatever you build next.
Instant onboarding
Reliable data
Smarter decisions
Authenticate and connect in under 10 seconds.
Designed for your brand. Built to convert.
White-label your authentication flow to build trust and improve account connection rates.
Connect any bank account without micro-deposits
Enable manual verification for edge cases where open connections aren't available and verify accounts at 98% of US banks.
See the full financial picture
Retrieve financial data to verify accounts, understand behavior, and make sharper decisions.
“We love Aerosync. Its suite of tools have allowed PrizePicks to greatly increase customer conversions while simultaneously lowering costs on ACH returns and bad data.”
Smarter with every transaction
Millions of users and billions of data points work together to improve conversion and performance with every payment.
Built for however you use financial data
Make faster, more accurate lending decisions
Go beyond static credit data with faster, more accurate financial insights.
Build financial products your users trust
Seamlessly connect, verify, and retain users without building bank infrastructure from scratch.
Scale payments your customers will love
Fewer drop-offs, faster payouts, and data you can actually trust—all from one connection.
Turn onboarding into deposits
Reduce onboarding friction and accelerate funding with real-time account verification.
Bring your users with you
Customize everything
Integrate and make calls today
Cut costs without cutting corners
Fewer redundant charges and no hidden fees mean you pay only for the data you actually use.
FAQs
What is Aerosync?
Aerosync is Aeropay's bank-linking and financial data product. One Aerosync connection returns account, balance, identity and transaction data for payments and risk decisions. Users link and verify a bank account in under 10 seconds with Aerosync, and Aerosync's gray-label flow reduces total onboarding time by 26%.
How many banks does Aerosync connect to?
Aerosync connects to more than 12,000 US banks and credit unions. Wherever the bank supports it, customers log in directly with their bank and the bank issues a token, so no passwords are shared with Aeropay and no screen scraping is involved. Aeropay also helps define US open banking standards through its leadership within the Financial Data Exchange (FDX).
Can Aerosync verify bank accounts without micro-deposits?
Yes. Users link and verify a bank account in under 10 seconds with Aerosync when a direct connection is available. Where it isn't, Aerosync's manual verification verifies accounts at 98% of US banks without micro-deposits, so customers can verify right away instead of waiting days for test deposits.
Read more: What is real-time bank account verification? →
What data does Aerosync provide for lenders?
Aerosync returns real-time balances, account ownership and identity details, and up to 24 months of transaction history, depending on the institution, including category-enriched transaction data. Deposit history shows whether a borrower is paid weekly, biweekly or monthly, and lenders can refresh a borrower’s balance on demand, usually without the borrower logging in. At some banks, identity data depends on the user agreeing to share it.
What is the difference between Aeropay and Aerosync?
Aeropay is the company and its pay by bank network, and Aerosync is Aeropay's bank-linking and financial data product. Aerosync connects a customer's bank account and returns account, balance, identity and transaction data, and Aeropay's payments, payouts and Guard risk scoring all run on that connection.
Does Aeropay offer white-label payment solutions?
Aeropay offers gray-label integrations rather than fully white-label ones, across every integration it provides. Merchants embed Aeropay’s bank linking and payment flows in their own branded experience, and Aeropay’s name stays visible to customers inside the flow. Aerosync’s gray-label flow reduces total onboarding time by 26%.
Does Aeropay offer an API?
Yes. Aeropay's APIs cover bank linking through the Aerosync SDK, payments, refunds, payouts and webhooks for payment status. Developers can test a live integration in Aerosync's self-serve sandbox before talking to sales, and merchants can move existing bank connections to Aeropay by API so users keep their current links.
Read more: What does a bank payment API need to handle both pay-ins and payouts? →
Start building: Aerosync sandbox →
Does Aeropay work with banks and Banking-as-a-Service platforms?
Yes. Banks and BaaS platforms can use Aerosync to link and verify customer bank accounts at more than 12,000 US banks and credit unions. Aeropay announced an integration with Jack Henry on June 2, 2026, to strengthen instant pay by bank infrastructure.