Traditional ACH carries high return risk. Aeropay’s risk tools combines highly-relevant data, artificial intelligence, and network insights to achieve card-level approval rates with lower fraud.
Models continuously retrain on network-wide data, adapting in real time to new fraud patterns.
Specialization for industries like gaming, retail, and more, each with unique risk profiles.
Balance fraud prevention with acceptance, approving good users while blocking bad actors.
Recognize and re-authenticate returning users instantly with biometrics.
Decide when to block, flag, or allow payments so risk management works the way you need it to.
Your team can easily understand, test, and trust the rules driving payment decisions.
Start with guardrails tuned to your industry, then adjust as needed for your unique use case.
Route good users to VIP tiers through User Reputation APIs. Reward power users with higher deposit limits and faster approvals.
Returning trusted users skip unnecessary checks and move through payments faster.
Recognize and block fraudulent users continuously and proactively.
Optimize processing costs without sacrificing reliability or risk so you capture more revenue at lower expense.
Ongoing scans of every transaction.
Benchmarking against standardized datasets to ensure accuracy.
Rejection and decline reasons surfaced via dashboards.
Symbiotic fraud monitoring between intelligent AI models and human oversight.
Approve the most good transactions possible.
Aerosync reduces R03/R04 by 60% with direct API connections for real-time balance checks.
Risk assessment models are tuned to your industry, customers, and use case.
Risk teams work with you to adjust thresholds and respond to immediate trends.
Predictive, automatic retries automatically collect failed payments without third-parties.
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'Daily Fantasy Sports is an around-the-clock passion, Aeropay helps ensure we are meeting these needs on a 24/7, 365 basis.'
'Partnering with Aeropay gives Coverd users a seamless way to buy game tokens and live big.'
Aeropay adapts its risk and compliance features to each vertical. Gaming platforms benefit from real-time fraud detection on high-volume deposits and withdrawals. Subscription businesses use durable bank connections and balance checks to reduce failed renewals. Healthcare and wellness merchants rely on Aeropay’s compliance controls to accept cashless payments in heavily regulated environments.
Aeropay combines bank-verified identity data (name, phone, address) with device fingerprinting and transaction history to ensure each user is legitimate. This reduces risks from synthetic identity fraud, account takeovers, and duplicate sign-ups, all of which are growing challenges in digital payments.
Aeropay’s models analyze billions of data signals across the network, flagging suspicious behaviors such as duplicate account creation, unusual transaction velocity, or mismatched identity details. These models retrain continuously, adapting to new fraud patterns as they emerge. Businesses benefit from cutting-edge fraud protection without needing in-house machine learning teams.
Aeropay is registered as a money transmitter where required, operates under BSA/AML standards, and complies with NACHA operating rules. The platform includes KYC/KYB onboarding, transaction monitoring, and suspicious activity reporting, helping businesses remain compliant while processing pay by bank at scale.
ACH returns are a common pain point, with industry-wide failure rates between 1–3%. Aeropay reduces these by validating account data during bank linking and checking balances before a payment is processed. As a result, R03/R04 invalid account returns drop by up to 66%, and R01 insufficient funds returns by over 40%, leading to higher approval rates and fewer operational costs.
Fraud in ACH and bank payments often stems from stolen credentials, duplicate accounts, or insufficient funds. Aeropay addresses these risks by verifying bank accounts at onboarding, running balance checks before transactions, and applying AI fraud models trained on millions of data points. This reduces insufficient funds returns by more than 40% and eliminates chargebacks entirely.
If a payment is returned for insufficient funds or another ACH return reason, Aeropay still guarantees that the merchant gets paid. This removes financial risk for businesses and ensures confidence in scaling pay by bank as a reliable addition to cards.
Aeropay builds security into every layer of the payment flow. Transactions use bank-level encryption, tokenization, and multifactor authentication to ensure credentials are never exposed. Real-time monitoring and AI-driven fraud detection add another layer of protection, while Aeropay undergoes SOC 2 Type II audits annually.
Guardrails are configurable rules that businesses can set to control risk in real time. Examples include flagging transactions above $1,000, blocking high-velocity activity, or requiring stronger verification for new users. Guardrails work alongside Aeropay’s fraud models, giving businesses flexibility to tailor risk settings without sacrificing approval rates.
