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Aeropay vs. Straddle
Payments

Pay by bank, guaranteed

See why businesses choose Aeropay over an emerging stack that has yet to publish a guarantee.

100% guaranteed ACH deposits
Guard: AI risk built for bank payments
Predictive, in-house recapture
Payments

Aeropay vs. Straddle

See why businesses choose Aeropay over an emerging stack that has yet to publish a guarantee.

Aeropay
North America's pay by bank network
Straddle
Early-stage identity and pay by bank stack
Guaranteed ACH
Guaranteed

100% guaranteed ACH deposits

Not offered

No public payment guarantee

Risk decisioning
Proven

Guard: AI risk built for bank payments

Early

Watchtower thresholds not public

Recovery
Built in

Predictive, in-house recapture

Tools only

Resubmission APIs; merchant runs it

Track record
Established

North America's pay by bank network

Emerging

Early-stage; funding not verified

Pricing
Predictable

Transparent, all-in pricing

Layered

$99 to $499/mo plus unpublished fees

Built for
Specialized

Gaming, predictions, digital assets, billing

Platforms

Marketplaces, PayFacs and SaaS

Why choose Aeropay

Why businesses choose Aeropay

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Straddle
Straddle

Straddle is one of the more structurally similar emerging competitors, pairing identity, bank linking, ACH payments and payouts with a reusable Paykey token and Watchtower monitoring. But it's early. No payment guarantee is publicly confirmed, Watchtower's thresholds and decision explanations aren't public, and instant-rail availability isn't disclosed. Pricing starts with $99 to $499 monthly platform tiers, with transaction fees not published.

Aeropay

Aeropay brings the same unified vision with a decade of production behind it. Aerosync, our own multi-source aggregator, links 12,000+ banks and credit unions, and Guard's real-time AI risk scoring supports a 90% approval rate with 100% guaranteed ACH deposits. Predictive in-house recapture recovers more of what fails. Merchants get a proven platform and a partner that already knows their regulators.

Join the network

Start building with the leading pay by bank technology.