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If you're receiving an error for insufficient funds but believe you have enough in your account, it's possible you have pending payments in your account. Deposits may appear in your account, but will not be available for transacting until they've fully settled.

If you have not made recent deposits or payments and believe you received the error by mistake, please contact support@aeropay.com.

Here’s a detailed look at Aeropay’s super simple payment process:

1. Create an account. We only need a few details to keep you and your money safe.

2. Link your bank. Aeropay connects to 12,000+ banks.

3. Send payment. Aeropay securely transfers funds from your bank to your destination.

4. Voilà! Payment complete.

Aeropay accounts link directly to your bank. This means you are not able to use a credit or debit card.

If you see an insufficient funds error in Aeropay, it may be due to pending payments in your bank account. While deposits may appear in your balance, they are not available for transactions until fully settled.

What to do:

• Check for any pending payments or holds in your bank account.
  
  
• If you haven’t made recent deposits or payments and believe the error is incorrect, contact support@aeropay.com for assistance.
  
  

Why this happens:

• Bank balances can show pending deposits before they are cleared.
  
  
• Transactions may temporarily reduce available funds even if the balance appears sufficient.

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To confirm a payment, check your Aeropay account activity or use this link to view your payments. You will also receive an email receipt for each payment. Please allow time for the payment to appear in your bank account.

1. I want to create an Aeropay account. How do I start?

To create an Aeropay account, click “Create an account” and follow these steps: 1) Enter your information, 2) Use the verification code sent to your phone, 3) Click “Add Bank Account”, 4) Select your bank, 5) Enter your credentials, 6) Select your account, 7) You’re ready to pay!

2. I entered the wrong phone number or email address. What should I do?

If you entered the wrong phone number or email, contact support@aeropay.com to reset your account so you can create a new one with the correct information.

I need a refund

If you need a refund for a purchase made with Aeropay, please contact the merchant directly to initiate the process. For further concerns, reach out to support@aeropay.com.

I need to cancel a payment

To cancel a payment, such as a duplicate transaction, contact the merchant directly. For assistance or escalation, email support@aeropay.com.

I’ve already linked my bank. Why am I being asked to reconnect it?
Aerosync may prompt you to reconnect your bank for several reasons: your bank login information has changed, your bank has updated security protocols, or other security checks required by your financial institution. Re-linking your account ensures a secure connection between Aerosync and your bank.

Why can’t I connect my savings account?
To maximize payment success rates, Aerosync currently only supports checking accounts.

Aerosync is directing me to a webpage outside of the app. What’s happening?
This redirection is a security measure. When you select your bank and click “Continue to [Bank Name],” you are sent to a secure web browser to enter your credentials directly on your bank’s site. After authentication, you’ll return to the app or platform you were using.

I connected my bank, but my account isn’t showing up. What happened?
You may have revoked permission for your bank to share information with Aerosync. Check your bank’s online banking app to confirm you’re still authorizing the connection. For example, in the Chase app: More > Security and Privacy > Linked Apps and Websites to review your connections.

My Chase account number is different in Aeropay. Why?
A recent change at Chase means that substitute bank account numbers are displayed in Aeropay after connecting. The last four digits in Aeropay may not match your actual bank account. Chase provides information about this change during the connection process. Substitute account numbers help enhance security for your Chase account.

Can I connect my family member’s bank account?
No. Only bank accounts in your name can be connected. Please do not connect accounts belonging to family or friends.

Can I connect my mother, brother, or partner’s bank account?
No. Only bank accounts in your name can be connected. Please do not connect accounts belonging to family members or friends.

Can I link my credit or debit card?
No. Aeropay accounts link directly to your bank, so credit or debit cards cannot be used.

I don’t remember my online banking credentials. How do I get connected?
Visit your bank’s website or open their online banking app to reset your username and/or password. Once updated, you can reconnect your account in Aerosync.

I can’t link my bank. What should I do?
If you can’t find your bank or have trouble connecting, try again using the bank selection screen. If issues persist, email support@aeropay.com, and a member of the Customer Care team will assist in linking your bank.

Is connecting my bank secure?
Yes. Aerosync uses bank-level encryption to protect your credentials. Your information is never stored or shared. During bank linking, you are redirected to a secure browser hosted by your bank to complete authentication.

I don’t see my bank listed. How can I connect it?
Aerosync connects to over 12,000 banks, with new ones added daily. If your bank isn’t listed, manually link it by selecting “Link Bank Manually”, entering your name, account number, and routing number, and receiving instant confirmation.

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1. When is Aeropay Day and when will I get my rewards?

Aeropay Day occurs every other Thursday of the month. On Aeropay Day, eligible customers receive their rewards automatically. You can check the exact date of your upcoming Aeropay Day and view your rewards by logging into your Aeropay account under the Rewards tab. Rewards are deposited directly into your bank account, and your bank statement will show the deposit amount next to “AeroPayments.”

2. I don’t see my rewards in my account. Why?

Rewards may not appear immediately for several reasons: if you made a qualifying payment on the day of Aeropay Day, your reward will post on the next Aeropay Day; only online payments that meet reward criteria qualify; refunded payments void the associated reward; declined payments during the reward period void rewards for that period; if none of these apply, contact support@aeropay.com for investigation.

3. How do I access my rewards?

Rewards are automatically deposited into your bank account on Aeropay Day. You can also view them in your Aeropay account profile under the Rewards tab.

1. Can I create an Aeropay account without a cell phone?

No. A cell phone is required to set up an Aeropay account. For security purposes, both your bank and Aeropay use your phone number to authenticate your identity and protect your account information.

2. How do I delete my Aeropay account?

To delete your Aeropay account, please complete the account deletion form.

Important: If you have any pending transactions, your account will only be removed after those transactions are fully processed.

3. How can I update my email or phone number?

If you need to change the email address or phone number linked to your Aeropay account, contact support@aeropay.com.

When submitting your request, include:

• Your current email or phone number
  
  
• Your new email or phone number
  
  

Aeropay support will update your account and ensure your payments and notifications continue without interruption.

If you’re an Aeropay or Aerosync client or partner and need support, you can access our dedicated Client Help Center for documentation, step-by-step integration guides, and troubleshooting tips here: https://help.aeropay.com/. Our client support team also offers direct assistance for technical questions, onboarding, or payment configuration. Contact us through CS@aeropay.com to get expert help and ensure your integration runs smoothly.

1. What is a Payment Terminal?

A payment terminal is a device merchants use to accept credit or debit card payments by swiping, dipping, or tapping a card. Traditional terminals require hardware, card networks, and PCI compliance, which can increase costs and operational complexity.

Aeropay Alternative: Aeropay is a pay-by-bank solution that eliminates the need for traditional card terminals. Customers pay directly from their bank account using QR codes or links, making transactions faster, more secure, and hardware-free.

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2. How Does Aeropay’s Payment Terminal Alternative Work?

1. Merchant displays a QR code or payment link on a screen, receipt, kiosk, or table.
   
   
2. Customer scans the QR code or taps the link on their phone.
   
   
3. Customer selects their bank and authenticates via bank login or biometrics.
   
   
4. Funds move bank-to-bank instantly, with real-time confirmation for both merchant and customer. The POS updates automatically via API or webhook.
   
   

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3. What Are the Advantages of Using Aeropay Over Traditional Terminals?

• 100% hardware-free: Merchants go live instantly with static or dynamic QR codes or links.
  
  
• Lower processing fees: Direct bank transfers bypass card networks, saving up to 70% compared to card payments.
  
  
• Faster checkout: Payments complete in seconds without PIN prompts, card errors, or swiping.
  
  
• Reduced fraud & compliance scope: No card data is handled; strong bank authentication protects both merchants and customers.
  
  
• Better for regulated industries: Ideal for healthcare, cannabis, and SaaS businesses where card networks are limited.
  
  

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4. How Does Aeropay Compare to Stripe Terminal or Other Card Terminals?

• Stripe Terminal: Requires dedicated chip/tap devices and incurs card network fees and PCI obligations.
  
  
• Aeropay: Uses bank-to-bank payments with QR codes or links, eliminating hardware, lowering costs, and reducing fraud risk and compliance burden.
  
  

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5. Can Aeropay Replace All Card-Terminal Transactions?

Yes. Aeropay’s pay-by-bank solution works for in-store, online, and kiosk-based payments. Customers can complete transactions without a card, and merchants can receive instant or same-day settlements via ACH, RTP, or FedNow.

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6. Are Bank-to-Bank Payments via Aeropay Safe?

Absolutely. Customers authenticate directly with their bank using login credentials or biometric verification. Because Aeropay never stores card information, bank-authenticated payments reduce fraud risk and eliminate chargebacks.

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7. Who Can Benefit from Aeropay’s Terminal-Free Solution?

• Retail stores looking to eliminate card terminal costs
  
  
• Gaming operators and e-commerce businesses needing instant payouts
  
  
• Wellness and subscription-based companies wanting recurring pay-by-bank billing
  
  

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ACH (Automated Clearing House) is a U.S. electronic payment network that moves money directly between bank accounts. Governed by Nacha, ACH is widely used for payroll, rent, bill payments, B2B invoices, and e-commerce checkout. Unlike card networks, ACH payments are bank-to-bank, batch-processed, and cost-effective—up to 70% cheaper than traditional card payments.

Key Features of ACH:

• Bank-to-bank payments: No card networks involved
  
  
• Batch processing: Settles in defined clearing windows
  
  
• Supports credits and debits: Push (credits) and pull (debits) transactions
  
  
• Cost-effective: Significantly lower fees than card payments
  
  
• Common uses: Payroll, subscriptions, invoices, and online checkout
  
  

How Aeropay Utilizes ACH Payments

Aeropay builds on traditional ACH with modern pay-by-bank technology to deliver faster, safer, and more cost-effective payments:

• Durable bank tokens: Replace card-on-file subscriptions for recurring payments
  
  
• Smart retries: Automatically handle declined transactions to reduce involuntary churn
  
  
• Faster settlement: Leverages RTP and FedNow for instant or same-day transfers
  
  
• Lower costs & reduced operational burden: Up to 70% savings vs. card networks
  
  
• Real-time analytics: Track churn, retry outcomes, and cost savings
  
  

How Businesses Can Migrate from Card-Based Subscriptions

• Segment card-on-file customers by renewal window
  
  
• Promote Aeropay enrollment via email, SMS, or in-app messaging
  
  
• Incentivize switching with loyalty points, discounts, or uninterrupted service
  
  
• Tokenize bank accounts and sync with subscriber profiles
  
  
• Monitor performance and optimize using churn analytics
  
  

Are Bank-to-Bank Online Payments Safe?

Yes. Customers authenticate directly with their bank app or via biometric login, which is more secure than static card numbers. Aeropay’s bank-authenticated payments eliminate card fraud risk and chargebacks, making bank-to-bank payments safer than traditional card methods.

Online payments are digital transactions between customers and merchants. Most platforms, like Stripe, PayPal, Square, Adyen, or Amazon Pay, route transactions through card networks, which adds high fees, slower settlement, and chargeback risk.

Aeropay provides a cardless alternative using ACH, RTP, and FedNow, enabling bank-to-bank payments that are faster, more secure, and cheaper.

Key benefits of Aeropay online payments:

• 50–70% lower costs compared to card networks
  
  
• Zero card chargebacks because payments are bank-authenticated
  
  
• Instant or same-day settlement via RTP or FedNow
  
  
• Secure, bank-authenticated checkout using credentials or biometrics
  
  

How it works:

1. Customer selects Aeropay at checkout
   
   
2. Secure redirect or embedded frame shows bank login
   
   
3. Customer authenticates with bank credentials or biometrics
   
   
4. Funds move directly bank-to-bank
   
   
5. Merchant receives instant confirmation and faster settlement
   
   

Implementation options:

• Web checkout button
  
  
• API integration
  
  
• Hosted checkout page
  
  
• QR-to-web for hybrid in-person/online flows
  
  

How Does Aeropay Handle Subscription and Recurring Payments?

Aeropay offers Aerosync, a pay-by-bank subscription solution that replaces card billing with tokenized bank credentials. This reduces involuntary churn and eliminates card declines.

Why cards fail for subscriptions:

• Expired or reissued cards lead to involuntary churn
  
  
• Declines and chargebacks disrupt revenue
  
  
• High interchange fees reduce margins
  
  

Aeropay’s solution:

1. Customer opts in to recurring payments
   
   
2. Aeropay generates a tokenized bank credential
   
   
3. Funds are pulled each cycle via ACH, RTP, or FedNow
   
   
4. Smart retries handle temporary declines
   
   
5. Merchant dashboards show churn analytics and retry outcomes
   
   

Benefits:

• Stable recurring revenue
  
  
• Fewer failed payments and cancellations
  
  
• Higher customer lifetime value
  
  
• Reduced operational burden from dispute management
  
  

50–70% lower costs vs card-based subscriptions

Aeropay offers Aerosync, a pay-by-bank subscription solution that replaces card-based billing with tokenized bank credentials. This approach keeps recurring revenue flowing, reduces involuntary churn, and lowers processing costs by 50–70% compared to traditional card networks like Stripe or PayPal.

Why card-based subscriptions fail:

• Cards expire or get reissued, causing involuntary churn
  
  
• Declines and chargebacks disrupt revenue streams
  
  
• High interchange fees reduce margins month after month
  
  
• Result: businesses often lose 10–15% of recurring revenue due to failed card payments alone
  
  

How Aeropay’s Aerosync works:

1. Customer opts into recurring payments with Aeropay.
   
   
2. Aeropay generates a tokenized bank credential tied to the customer’s account.
   
   
3. Each billing cycle, funds are pulled directly bank-to-bank via ACH, RTP, or FedNow.
   
   
4. Smart retries automatically handle temporary declines, increasing payment success.
   
   
5. Merchants get dashboard insights on churn, retry outcomes, and customer behavior.
   
   

Key benefits for merchants:

• Stable recurring revenue and fewer failed payments
  
  
• Reduced involuntary churn and higher customer lifetime value
  
  
• Lower operational burden from dispute management
  
  
• Secure, bank-authenticated billing that prevents fraud and chargebacks
  
  
• Cost savings: 50–70% cheaper than card-based subscription billing
  
  

Aeropay’s Aerosync makes recurring payments durable, predictable, and friction-free, helping businesses scale subscription models while cutting costs and operational headaches.

What is Paya?

Paya is a U.S.–based payment processor that primarily handles credit and debit card transactions, with ACH offered as an add-on. It serves a wide range of industries including retail, healthcare, and nonprofits.

How is Aeropay different from Paya?

Aeropay is a native pay-by-bank platform. Instead of relying on card networks, Aeropay moves money directly between bank accounts using ACH, RTP, and FedNow rails. This delivers lower fees, faster settlement, and fewer chargebacks for merchants.

Why do businesses switch from Paya to Aeropay?

• Lower costs: Bank-to-bank rails bypass card network fees, saving merchants 50–70% on processing.
  
  
• Fewer disputes: Bank-authenticated payments eliminate card chargebacks and reduce fraud risk.
  
  
• Faster settlement: Same-day ACH or instant RTP/FedNow improves cash flow and payouts.
  
  
• Stronger compliance: Tokenized bank credentials reduce PCI scope and regulatory burden.
  
  
• Better for regulated industries: Aeropay works well in sectors where card networks are limited or restricted, such as healthcare, cannabis, or SaaS.
  
  

Example:
A healthcare platform using Paya for card billing switched to Aeropay and achieved:

• 63% lower fees
  
  
• Zero chargebacks after 6 months
  
  
• Same-day ACH settlement for provider payouts
  
  
• Streamlined compliance with tokenized bank credentials
  
  

Is Paya the same as Aeropay?

No. Paya is primarily a card and ACH processor, while Aeropay is a native pay-by-bank platform built on ACH, RTP, and FedNow for lower costs and fewer chargebacks.

Does Aeropay support ACH like Paya?

Yes. Aeropay supports ACH but also offers instant balance checks, RTP/FedNow settlement, and bank-authenticated payments that reduce fraud and disputes.

Which is cheaper: Aeropay or Paya?

Aeropay is typically 50–70% less expensive than card processing rates offered by providers like Paya because it bypasses card networks entirely.

Why is Aeropay better for regulated industries?

Aeropay avoids card rails, provides tokenized credentials, and uses bank-authenticated flows, making it safer and more compliant for industries like healthcare, cannabis, and SaaS.

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There are several reasons Aerosync may prompt you to reconnect your bank, including changes to your bank login information, updates on your bank's security protocols, etc. Re-linking your account when prompted ensures a secure connection with your financial institution.

This redirection is a security measure. When you select your bank and click “Continue to [Bank Name],” you’re directed to a secure browser to enter your credentials on your bank’s site. This step is required by most large banks. After authentication, you'llbe returned to where you were.

1. What is Aeropay?

Aeropay is an alternative payments platform that enables customers to pay participating businesses through direct bank transfers. By bypassing credit cards and digital wallets, Aeropay offers a faster, more secure, and cost-effective way to pay, ideal for both consumers and businesses.

2. What is Pay by Bank and How Does Aeropay Use It?

Pay by bank is a bank-to-bank payment method that allows consumers to send funds directly from their bank accounts to businesses. With Aeropay, pay by bank:

• Simplifies transactions: No cards, no apps—just scan a QR code or select Aeropay at checkout.
  
  
• Reduces costs for businesses: Eliminates card network fees and lowers operational expenses.
  
  
• Improves compliance and security: Ideal for regulated industries, with ACH-based, bank-authenticated payments and industry-leading fraud prevention.
  
  
• Provides instant confirmation: Both merchants and customers see payment approval immediately.
  
  

3. Is There a Fee to Pay with Aeropay?

No. There are no consumer fees to pay with Aeropay. Businesses benefit from lower processing costs compared to card payments.

4. Is There an Aeropay App?

Aeropay is web-based, so there is no app required. Payments can be made by:

• Scanning a QR code that opens a secure web page
  
  
• Selecting Aeropay at checkout to send funds directly from your bank account
  
  

This approach ensures a fast, secure, and frictionless payment experience on any device.

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5. Why Choose Aeropay?

• Faster payments: Direct bank transfers reduce settlement times.
  
  
• Lower costs: Bank-to-bank payments bypass card networks.
  
  
• Secure and compliant: Bank-authenticated transactions reduce fraud risk and PCI obligations.
  
  

Flexible integration: Works for web, in-store, or kiosk-based payments without hardware.

It is no longer possible to access your Aeropay account using Facebook. If you were accessing your account using Facebook, please create a new account here.

If you have any questions, please fill out the form below or reach out to support@aeropay.com.

To confirm a successful payment, you can view your activity in your Aeropay profile. You will also receive an email receipt following every payment.

Please allow time for the payment to appear in your bank.