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Guard

Know the risk
before money moves

Real-time fraud prevention for pay by bank, powered by AI models trained on billions of network interactions.

Talk to an expert
→
Customer paying on his phone while a $412.00 Pay by Bank payment is approved instantly with an 8% risk score.

Protect revenue from
approval to recovery

Area chart showing approval rate rising 20%.

Raise acceptance

A 20% lift means good customers get through the first time.

Prevent fraud

The network has stopped $1B+ in fraud and counting.

Win back failed payments

Retries timed to available funds bring back 62%+ of payments that fail.

GuardAI

Your risk isn't the
industry average

Generic risk models score every business the same way. This one learns what's normal for your users.

Spot anomalies the moment a user's behavior drifts from their baseline
Retrain models continuously as new fraud patterns emerge
Tune approval thresholds with our team to match your risk tolerance.
Cut ML overhead with fully managed risk models
Trusted user program

Fast-track customers
you already trust

A customer with a proven history isn't a first-time payer. Why cover them the same way?

Promote users to Trusted User status whenever want.
Reduce payment friction for your best customers
Free up guarantee spend for the payments that need it
Protect every trusted payment with real-time balance checks and transaction limits.
Fraud monitoring

Know why a
payment gets flagged

AI and human analysts watch for fraud signals around the clock and flag what needs your attention.

Get the decline reason and a suggested fix the moment a payment is rejected.
Scan every payment as it happens
Reach our fraud team directly on emerging threats
Draw on $1B+ in fraud already prevented across the network
Smart retries

Recover payments
without starting over

Failed payments retry automatically once funds are available, with no manual follow-up from your team.

Separate a timing issue from a real decline
Trigger retries off real-time signals like balance updates and timing windows
Recapture 62%+ of failed payments
Cut collections and follow-up work for your team
Network

Smarter with every transaction

Millions of users and billions of data points work together to improve conversion and performance with every payment.

20%
conversion lift
12k
institutions
2 years
of account data history
5B+
interactions
60%
fewer returned payments
Light globe line illustration used as a background for bank network labels.
Customer stories

“We love Aerosync. Its suite of tools have allowed PrizePicks to greatly increase customer conversions while simultaneously lowering costs on ACH returns and bad data.”

Jay Deuskar
Co-Founder & CTO

FAQs

What is Aeropay Guard?

Aeropay Guard is an AI risk engine for pay by bank payments that scores each transaction in real time to predict fraud and return risk before funds move. Guard's models are trained on billions of interactions across Aeropay's network and learn what normal behavior looks like for each merchant's users. Aeropay pairs those models with human fraud analysts.

How do Aeropay's smart retries work?

When a bank payment fails, Aeropay Guard waits for real-time signals that show funds are available and retries the payment then, rather than on a fixed schedule. This separates timing issues from real declines.

What is Aeropay's Trusted User Program?

Aeropay's Trusted User Program lets merchants move proven customers onto a lower-cost payment path, while every trusted payment still gets a real-time balance check and transaction limits. The program runs separately from Aeropay Guaranteed ACH, so merchants choose which customers to move onto it and manage those payments' returns directly.

Read more: Optimize transaction efficiency with the Trusted User program →

Does Aeropay offer fraud protection and payment guarantees?

Yes. Aeropay Guard scores each transaction in real time to predict fraud and return risk before funds move, and Aeropay pairs its AI models with human fraud analysts. Aeropay Guaranteed ACH covers eligible bank-initiated returns, across 50+ return types including insufficient funds, up to the merchant's agreed coverage limit.

Read more: Is pay by bank secure for US businesses? →

How does Aeropay reduce ACH returns?

Aerosync's direct bank connections reduce R03 and R04 returns caused by bad account data. Real-time balance checks confirm funds before Aeropay approves a payment, and Aeropay Guard scores fraud and return risk before funds move. Aeropay Guaranteed ACH then covers eligible bank-initiated returns up to the merchant's agreed coverage limit.

Read more: What is real-time bank account verification? →

What happens if an Aeropay payment fails?

The merchant receives a specific reason code (balance-related, risk-score-related or uncategorized) instead of a generic decline, and Aeropay Guard's smart retries try the payment again once real-time signals show funds are available. Aeropay Guaranteed ACH covers eligible bank-initiated returns on approved payments, up to the merchant's agreed coverage limit.

Read more: How do you recover a failed bank payment? →