Inside the Aeropay Network: Financial intelligence for smarter payments

Payments in the US have a tendency to be fragmented, redundant, and reactive. This is particularly true when infrastructure operates on brittle credentials, one-time authentications, and siloed risk models, leaving businesses with:

• Disconnected onboarding flows that increase customer acquisition costs.
• High fraud / false declines that create costly fees that quickly build up.
• Redundant verifications for returning users resulting in an experience that lowers trust with users in your application.

Suboptimal payment experiences hurt your bottom line, but they can be avoided with prupose-built tools that prioritize secure, structured data tp enhance transaction efficiency.

The Aeropay Network helps bridge the gaps in traditional payments to solve for inefficiencies related to onboarding, risk assessment, settlement and more. 

Background

From the start, our mission at Aeropay has been simple: build a better payments network for the United States.

To ensure the Aeropay Network would deliver positive, compounding results for our merchants and consumers, we built with two key areas of focus:

1. Create end to end transaction ownership within the product suite; from bank linking to risk assessment to money movement to settlement.

2. Prioritize a user onboarding flow that acts as a passport for recognition across the network. This is a tokenized financial identity that:

• Links once for instant recognition across the ecosystem
• Is enriched with behavioral insights from real time network activity
• Delivers faster onboarding, smarter transaction approvals, and better fraud protection

The Network is the foundation that powers Aeropay's pay by bank platform, enabling smarter payments, stronger security, and a seamless user experience across every transaction. 

Take a look inside the Aeropay Network below.

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Interconnectivity via tokenized financial data

To solve for pain points caused by disjointed payment experiences, Aeropay’s Network is built on three core components:

Secure, tokenized bank connections

One-time user onboarding is completed with Sync, our proprietary data aggregator. The user bank connection is tokenized, encrypted, and saved in Aeropay’s network.

Persistent identity

Once users complete  their one-time onboarding experience, their identity and bank connection persist across the entire network. When a user visits any other merchant that accepts Aeropay, they’ll bring their tokenized bank information along with them. 

Behavioral intelligence

Aeropay’s network-driven risk intelligence learns from every transaction in the network, identifying trusted users and flagging potential fraud using shared network signals.

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Benefits for merchants

The Aeropay Network improves each step in the payment journey by unifying a bank-linked identity with behavioral data and intelligent infrastructure.

Here’s how that translates into real business value:

Faster onboarding 

Users only need to link their bank once. After that, their identity and account are instantly recognized across the entire merchant network.

This eliminates repeat friction and accelerates time to first transaction. Sync and the Aeropay Network can complete full end-to-end user onboarding in under 14 seconds.

Smarter risk decisioning informed by network data

Every transaction strengthens our risk models.

Because Aeropay owns the entire transaction lifecycle, we continuously train our fraud engine with real-time behavioral insights. This improves approval accuracy without adding friction for legitimate users.

Stronger, network-wide fraud defense

When fraud is detected at any merchant, the entire network benefits.

Our system flags malicious activity and immediately updates intelligence across merchants, enabling faster mitigation and a shared layer of protection. Our payment analyst system and compliance team becomes an extension of your application.

Data protection

User bank accounts credentials are securely encrypted and never directly exposed to merchants.

Each transaction uses encrypted, merchant-specific tokens, ensuring privacy, while still allowing frictionless payments and account recognition.

Compounding value as the network grows

Every new user, merchant, and transaction strengthens the system. This provides greater context and wider adoption that directly improves risk assessment, user conversion, and approval accuracy. 

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A tipping point in US payments

Pay by bank is accelerating across the US, but adoption stalls when onboarding is clunky, fraud is high, or approvals lag.

The Aeropay Network already powers:

• 6M+ users
• $5B+ in connected transaction volume
• And thousands of connected merchants seeing measurable uplift.

With accelerating adoption across gaming, regulated retail, financial services, and health & wellness, we’ve reached critical mass. Every new connection compounds value for the entire network.

Aeropay is building America’s first intelligent pay by bank network, it’s designed for long-term merchant performance at scale.

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Join the Network

Aeropay is America’s platform for pay by bank. We help businesses improve their bottom line, increase revenue, and build flexible, efficient payments for optimal performance.

Are you ready to start building your future-proof payments stack? Talk with our team to get started!