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Aeropay vs. Interchecks
Payments

Pay by bank, guaranteed

See why businesses choose Aeropay for guaranteed pay-ins, in-house bank linking, and recovery that goes beyond retries.

100% guaranteed ACH deposits
Aerosync, our multi-source aggregator
Predictive, in-house recapture
Payments

Aeropay vs. Interchecks

See why businesses choose Aeropay for guaranteed pay-ins, in-house bank linking, and recovery that goes beyond retries.

Aeropay
North America's pay by bank network
Interchecks
Payout platform with funding added
Guaranteed ACH
Guaranteed

100% guaranteed ACH deposits

Not offered

No public payment guarantee

Bank linking
In house

Aerosync, our multi-source aggregator

Third party

Funding relies on Plaid-linked accounts

Recovery
Built in

Predictive, in-house recapture

Retry only

Automated retries of R01 returns

Risk decisioning
Automated

Guard scores risk in real time

Configurable

Merchant-set risk levels and velocity limits

Product focus
Pay-in first

Deposits, checkout and payouts in one flow

Payout first

Disbursements with funding added

Built for
Specialized

Gaming, predictions, digital assets, billing

Broad

Gaming, brokerage, billers and lenders

Why choose Aeropay

Why businesses choose Aeropay

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Interchecks
Interchecks

Interchecks grew up as a payouts platform and has been adding account funding, most recently backed by a $50M Series C in June 2026. Its bank funding depends on Plaid-linked accounts, and no payment guarantee is publicly documented, so return risk on ACH deposits stays with the merchant. Recovery is limited to automated retries of R01 insufficient-funds returns, and risk controls are thresholds and velocity limits the merchant has to set and maintain.

Aeropay

Aeropay was built pay-in first. Aerosync, our own multi-source aggregator, links and verifies the account, Guard scores the payment's risk in real time, and ACH deposits are 100% guaranteed. When a payment does fail, predictive in-house recapture works to bring it back. Payouts run on the same platform, so deposits and withdrawals share one account connection, one risk view and one partner.

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