About Aeropay

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

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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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.