Payments
Pay by bank, guaranteed
See why businesses choose Aeropay for guaranteed bank payments they control, at pay by bank economics.
100% guaranteed ACH deposits
Up to 50% lower than card networks
90% approval rate*, guaranteed deposits
See why businesses choose Aeropay for guaranteed bank payments they control, at pay by bank economics.
See why businesses choose Aeropay for guaranteed bank payments they control, at pay by bank economics.
100% guaranteed ACH deposits
Instant Bank Payments only when eligible
Up to 50% lower than card networks
Disputes debit merchant plus fee
90% approval rate*, guaranteed deposits
ACH Direct Debit: up to 4 days, $4 fails
Transparent, all-in pricing
Instant Bank Payments at 2.6% + $0.30
Fully branded checkout
Stripe chooses when bank pay is shown
Gaming, predictions, digital assets, billing
Businesses of all sizes, card-first
Stripe's guaranteed bank payments live inside Link as Instant Bank Payments, and Stripe decides when they appear. Eligibility is set dynamically by Stripe's risk systems, is shown by default only under $7,500, and is priced like a card at 2.6% + $0.30. Customer-initiated disputes are excluded and debit the merchant plus a fee. Everything else falls back to ACH Direct Debit, which is not guaranteed, can take up to four business days, and charges $4 per failed payment.
Aeropay puts the merchant in control of pay by bank. Every eligible payment runs through the same guarantee, with 100% guaranteed ACH deposits, and a 90% approval rate backed by Guard's real-time AI risk scoring. Processing costs run up to 50% lower than card networks. Merchants brand the full checkout as their own, and our team brings deep experience in the regulated industries across the US and Canada that general platforms treat as edge cases.