Aeropay Pricing

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Guaranteed payments

Highest approvals + zero returns = maximum revenue

Remove the risk of failed or returned payments, with a 95% payment success rate.

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How it works

Guarantee your business revenue

Aeropay’s technology predicts user balances, manages dispute patterns, and removes the risk of failed or returned payments — guaranteeing transaction success.

1. Onboard and authenticate users

Link user banks in 15s or less using a simple flow that doesn’t require personal financial information.

2. Verify transaction success

Aeropay checks the consumer’s account to verify if sufficient funds are available.

3. Risk assessment

Real-time risk checks analyze user financial data like transaction history, available funds, and historical spending patterns.

4. Payment guarantee

When funds are verified and risk meets an acceptable threshold, Aeropay guarantees the payment.

5. Real-time fund movement

Access funds within 60 seconds, regardless of when the ACH network processes the transfer

6. Payment collection

Aeropay handles money movement via the ACH network and assumes the responsibility of collecting funds from the consumer’s bank account.

Benefits of Guaranteed ACH payments

Protect your revenue to max out profits.

Zero returns

Aeropay assumes the responsibility for any potential returns, insulating you from the financial impact of chargebacks, bad account info, insufficient funds, and 50+ other return codes.

Real-time fund availability

Unlike traditional ACH payments that take 2-3 days to clear, Guaranteed ACH delivers funds to your business in real-time, reducing cash flow gaps and improving financial planning.

Low processing cost

Guaranteed ACH offers significantly lower fee pricing compared to debit or credit card payments.

Transaction certainty

Guaranteed ACH transactions are a successful and instant form of payment, so you don’t need to give up inventory before getting paid. This eliminates the risk of revenue reconciliation and consumer dissatisfaction.

95% approval rate

Our industry-leading approval rates mean your business eliminates the highest possible risk, without blocking legitimate transactions.

Greater return code coverage

Aeropay’s model handles over 50 return codes to avoid costly additional fees for any returned transactions.

Effective risk model

Aeropay tracks users across multiple merchants — meaning users entering a new platform bring robust financial data that helps accurately predict returns.

“We aim to exclusively use Aeropay for adding bank accounts, minimizing our administrative headaches.”
Anthony Cugnetto, Head of Product

80% reduction in fraudulent transactions

Read about Dabble

See how you can eliminate returns and failed payments

FAQs

What kind of businesses use Aeropay?

Aeropay’s modern ACH solution works anywhere a customer typically pays by cash, check, or card.

How much does Aeropay cost?

ACH processing with Aeropay is up to 70% less than accepting cards. We don’t charge monthly fees, set up fees, or closure fees. Instead, we work with your business to build a custom pricing plan that’s built to scale.

What types of ACH transactions are there?

ACH transfers are either credits or debits, depending on which direction money is flowing and who initiates the transaction.

How long do ACH transfers take?

In 2024, the Automated Clearing House network offers increasingly fast fund settlement options, like same-day or next-day. In fact, NACHA found 80% of ACH Network volume settles in one business day or less.  

You can even access ACH payments in real-time with Aeropay’s guarantee. We’ll deliver funds immediately and handle collecting the customer’s payment once it settles.

What’s different about Aeropay’s user onboarding process?

Aeropay doesn’t require customer account numbers or routing numbers. Instead, onboard customers with a branded, embedded bank login flow that takes less than 15 seconds for first-time users.