Payments
Pay by bank, guaranteed
See why businesses choose Aeropay for a guaranteed pay by bank checkout, not just a routing layer.
100% guaranteed ACH deposits
Branded pay by bank checkout
Aerosync, our multi-source aggregator
See why businesses choose Aeropay for a guaranteed pay by bank checkout, not just a routing layer.
See why businesses choose Aeropay for a guaranteed pay by bank checkout, not just a routing layer.
100% guaranteed ACH deposits
Return risk on client in some setups
Branded pay by bank checkout
Infrastructure API, no PBB checkout
Aerosync, our multi-source aggregator
Common linking flow runs on Plaid
Predictive, in-house recapture
Negative balances pulled from reserve
Bank-first pay-ins and payouts
Many core flows are push/pull to card
Transparent, all-in pricing
Usage-based; rates not public
Astra is money-movement infrastructure: an API that routes across ACH, RTP, FedNow, Visa Direct and Mastercard Move. Many of its core use cases are card-based, and it doesn't offer a reusable consumer pay by bank checkout. Bank linking commonly runs through Plaid, no payment guarantee is publicly confirmed, and in some configurations Astra's documentation places sufficient-funds and ACH-return responsibility on the client, recovered from a reserve account.
Aeropay is the checkout and the guarantee. Consumers link through Aerosync, our own multi-source aggregator, and Guard's real-time AI risk scoring supports a 90% approval rate with 100% guaranteed ACH deposits. Instead of funding a reserve against returns, merchants rely on predictive in-house recapture. Payouts run on the same platform, so the account a customer deposits from is the one they get paid back to.