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:
- Customer opts into recurring payments with Aeropay.
- Aeropay generates a tokenized bank credential tied to the customer’s account.
- Each billing cycle, funds are pulled directly bank-to-bank via ACH, RTP, or FedNow.
- Smart retries automatically handle temporary declines, increasing payment success.
- 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.
