The bank-connected layer for intelligent
‍payments

Onboarding is where most payment providers lose customers. With legacy aggregators, conversion rates on bank linking flows can drop by 20–40% due to inefficient redirects, failed logins, or unsupported banks. Aerosync solves this with OAuth-first connections, biometric re-entry for returning users, and smart fallback verification methods for smaller institutions. Businesses using Aerosync typically see 15–20% higher first-time bank link success rates, which translates directly into higher checkout conversions and faster revenue capture.

When a user selects their bank, Aerosync establishes a direct, encrypted connection through OAuth or secure login. The system retrieves tokenized account details—account number, routing number, type, and balance—without ever storing credentials. Data is refreshed automatically every 24 hours and can be pulled in real time to confirm available funds before a transaction. This eliminates the need for microdeposits, which can take 1–3 days and cause significant drop-off in onboarding flows.

ACH returns—such as R01 (insufficient funds) and R03/R04 (invalid accounts)—are a major pain point for merchants. Industry data shows that ACH transactions fail 1–3% of the time, with higher rates in high-risk verticals. Aerosync mitigates this by verifying account details at the time of link and refreshing balances in real time before payments are authorized. This reduces R03/R04 returns by up to 66% and R01 returns by over 40%, leading to higher approval rates and fewer operational headaches.

Security is core to Aerosync. All connections use bank-level encryption, tokenization, and multifactor authentication where available. Credentials are never stored or exposed. The platform exceeds NACHA security standards for ACH, and Aeropay undergoes SOC 2 Type II audits annually. Compared to screen-scraping aggregators that store sensitive login information, Aerosync’s OAuth-first approach dramatically reduces the risk of breaches and fraud.

Aerosync supports more than 12,000 financial institutions in the United States, including the largest banks (Chase, Bank of America, Wells Fargo, Capital One) as well as thousands of regional banks and local credit unions. By comparison, many legacy providers lack deep coverage across regional FIs, which account for more than 15% of U.S. banking customers. Aeropay’s multi-source connections ensure both broad coverage and reliable uptime (>99.9%).

Incumbent solutions were built for data aggregation, not payments. They often rely on screen scraping, which is less reliable and less secure, and they charge on a per-API-call basis that makes costs scale poorly. Aerosync, by contrast, was designed in-house for high-volume payments. It prioritizes OAuth connections, uses redundant data sources to maximize uptime, and has favorable economics, especially when bundled with Aeropay transactions—delivering better unit economics for businesses.

Any business that depends on fast, reliable bank connections benefits from Aerosync. In gaming, it enables players to deposit in seconds and withdraw winnings instantly. In subscriptions, it supports durable account connections that reduce churn and failed renewals. In marketplaces, it improves seller onboarding and payout reliability. In regulated industries like CBD or healthcare, it ensures compliant, secure bank connectivity where cards are not a viable option.

In Europe, open banking is standardized under PSD2, but in the U.S. no such standard exists and connections can vary by bank. Aerosync bridges this gap by normalizing data from multiple providers into a consistent format, while prioritizing OAuth-first connections for major FIs. This ensures U.S. businesses get the reliability of European-style open banking, with the flexibility to support 12,000+ banks and credit unions across the fragmented U.S. landscape.

Yes. Unlike generic aggregators that provide a one-size-fits-all widget, Aerosync can be fully branded with your company’s logos, fonts, and messaging. Businesses can create multiple versions of the widget for different user segments or flows (e.g., deposits vs. payouts). This not only builds trust with customers but also drives higher conversion, since users feel like they’re still within your ecosystem rather than being redirected to a third-party provider.

Refunds processed through Aeropay move directly back to the customer’s bank account, often settling instantly. This improves the customer experience by eliminating refund delays common with cards, which can take 5–7 business days. For businesses, faster refunds reduce disputes, improve trust, and cut the risk of chargebacks entirely.

Yes. Aeropay supports durable bank tokens, which allow businesses to store customer authorization securely and automatically debit recurring payments. This is especially important for subscription models, where failed card payments cause involuntary churn. Aeropay’s recurring pay by bank model reduces declines by verifying balances before billing, ensuring predictable revenue collection for businesses and uninterrupted service for customers.

Checkout abandonment is a major problem in digital commerce, with rates averaging 70%. Aeropay helps reduce abandonment by simplifying bank payments: customers link once and pay with a single click on future checkouts. Branded checkout flows keep customers inside the merchant’s ecosystem, reducing drop-off caused by redirects to third-party providers. Businesses using Aeropay often see conversion improvements of 15–20% compared to legacy payment methods.

Pay by bank allows customers to authorize payments directly from their checking or savings account, without entering card numbers or sharing sensitive details. In the U.S., Aeropay powers pay by bank transactions by securely linking accounts via Aerosync, verifying balances in real time, and moving money directly between banks. This ensures approvals up to 90%, and far lower processing costs without added interchange fees.

Unlike wallets, Aeropay connects directly to bank accounts without requiring additional apps, balances, or intermediaries. This makes it more cost-effective, more reliable, and better suited for enterprise-scale commerce. Aeropay delivers lower costs, customizable checkout flows, and guaranteed ACH settlement, making it purpose-built for businesses rather than consumer-to-consumer transfers.

Businesses add pay by bank to lower costs, improve approval rates, and deliver a modern customer experience. Card networks typically charge 3-5% per transaction, plus hidden fees and chargeback costs. Aeropay reduces processing costs by up to 50%, eliminates chargebacks, and guarantees settlement on every transaction. For subscription, gaming, and e-commerce platforms, this means more revenue captured, fewer failed payments, and happier customers.

All Aeropay transactions are protected with bank-level encryption, tokenization, and multi-factor authentication. Accounts are verified in real time, and balances are checked before payments are approved. Unlike cards, which expose 16-digit numbers that can be stolen, Aeropay never stores or transmits sensitive credentials. This makes pay by bank inherently safer, reducing fraud and completely eliminating chargebacks.

Any industry that experiences high processing fees, chargebacks, or failed payments can benefit from Aeropay. Gaming operators use it for instant deposits and withdrawals, subscription businesses for recurring billing, e-commerce platforms for higher-value checkouts, and specialized retail for regulated transactions. Across industries, Aeropay delivers lower costs, higher approval rates, and faster settlement compared to cards and legacy ACH providers.

Industries where fast access to funds drives customer satisfaction see the biggest gains. Gaming operators use instant payouts for withdrawals, gig platforms use them to pay drivers and delivery workers, e-commerce merchants for real-time refunds, and insurance companies for immediate claims disbursement. Across verticals, faster payouts improve trust and reduce churn.

Push-to-debit payouts are faster than ACH but come with high interchange fees (often 1.5–2%) and require customers to have an eligible debit card. Aeropay eliminates these costs by moving funds directly between banks, saving businesses up to 50% while still delivering instant settlement.

Failed payouts are often caused by invalid accounts or insufficient balances. Aeropay prevents this by validating bank account details during the link process and checking balances in real time. As a result, businesses see fewer rejected disbursements and lower operational costs associated with manual reconciliation.

Every payout is protected with end-to-end encryption, tokenization, and AI-driven fraud detection. Aeropay complies with NACHA rules and leverages multi-factor authentication to ensure funds only move to verified accounts. Unlike card refunds, which expose sensitive account details, Aeropay never stores or shares bank credentials.

Aeropay supports a wide range of payout types, including customer withdrawals, gig economy earnings, seller disbursements, affiliate commissions, e-commerce refunds, rewards, and insurance claim payments. Businesses can manage one-time, recurring, or automated disbursements through Aeropay’s API.

Most payouts settle instantly—within 15 seconds—using real-time payment rails like RTP and FedNow. For banks that do not yet support RTP, Aeropay uses Same-Day ACH, ensuring funds typically clear within hours. This is a significant improvement over legacy ACH, which often takes 2–3 business days and is unavailable on weekends or holidays.

Research shows that 79% of gig workers would choose one platform over another if it offered faster payouts. Delayed access to funds creates churn and lowers trust, while instant payouts increase loyalty and repeat usage. With Aeropay Send, customers can withdraw winnings, cash out earnings, or receive refunds immediately, improving retention and giving businesses a competitive edge.

Aeropay provides flexible APIs and hosted flows that allow businesses to trigger payouts automatically, in bulk, or on demand. For example, a gaming operator can offer real-time withdrawals through the same integration used for deposits. Aeropay’s team supports implementation from KYC onboarding to custom reporting, ensuring payouts work seamlessly with existing workflows.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Yes. Aeropay is registered as a money transmitter where required, operates under BSA/AML standards, and complies with NACHA operating rules. We also work with state regulators and banking partners to ensure payments in online gaming, daily fantasy sports, and prediction markets meet all compliance requirements.

Aeropay powers deposits and withdrawals directly between bank accounts, giving gaming operators a fast, compliant, and cost-effective payment method. Players can deposit funds in seconds and withdraw winnings instantly, while operators reduce costs, improve approval rates, and eliminate chargebacks. Unlike legacy ACH or cards, Aeropay’s modern infrastructure is designed specifically for high-volume, real-money transactions.

Aeropay supports online sportsbooks, iGaming platforms, daily fantasy sports, lotteries, and prediction markets. We also power payouts for sweepstakes, tournaments, and skill-based gaming. No matter the format, Aeropay delivers compliant, reliable bank payments tailored to high-volume gaming environments.

Gaming is a high-risk vertical with elevated fraud rates, including synthetic IDs, bonus abuse, and account takeovers. Aeropay combats these risks with real-time account verification, balance checks, and AI-driven fraud models trained on millions of gaming transactions. Operators can also configure guardrails to block suspicious activity while keeping approval rates high.

Gaming operators face higher card decline rates than most industries, often exceeding 20% due to issuer restrictions and fraud checks. Pay by bank eliminates the card networks and moves money directly between banks, greatly improving approval rates. This means more deposits are approved on the first attempt, boosting operator revenue and player satisfaction.

Players expect fast, seamless transactions—especially for withdrawals. With Aeropay, players link their bank account once and enjoy one-click deposits and instant cashouts going forward. Refunds and rewards are also delivered in real time, improving retention and giving operators a clear competitive advantage.

Deposits are authorized instantly, and withdrawals settle in seconds using RTP and FedNow rails. For banks not yet enabled on RTP, Same-Day ACH ensures fast clearing. This is a major upgrade from legacy ACH withdrawals, which can take 2–3 business days. For players, faster access to winnings improves trust and keeps them engaged on the platform.

Adding pay by bank gives customers a reliable alternative to cards. While cards remain popular, they can expire, be replaced, or encounter issuer restrictions. Bank accounts, on the other hand, rarely change. By offering both options, businesses capture more successful renewals and reduce churn without asking customers to update billing details.

Aeropay supports a wide range of subscription businesses, including SaaS platforms, streaming services, gyms, digital memberships, wellness companies, and subscription boxes. Any business that depends on recurring billing can benefit from adding pay by bank as an option to improve reliability, reduce churn, and enhance the customer experience.

Yes. Businesses can authorize accounts during free trials and automatically initiate billing when the trial ends. Upgrades and downgrades are also supported, with billing adjustments applied seamlessly. Customers enjoy a smooth experience, while businesses reduce friction when converting trials into paying subscriptions.

Revenue predictability depends on reliable billing. Aeropay’s durable bank connections ensure accounts remain active across billing cycles, and real-time verification reduces unexpected failures. By pairing pay by bank with card billing, subscription businesses can stabilize their revenue stream and forecast more accurately.

Aeropay makes it easier for subscription businesses to collect recurring payments directly from customer bank accounts. Customers link their account once through Aerosync and stay connected for future billing cycles. This creates durable payment relationships that reduce interruptions, improve revenue predictability, and complement existing card-based billing.

Yes. Aeropay is built to support large-scale recurring billing across monthly, quarterly, or annual cycles. With >99.9% uptime, real-time balance checks, and automatic retries, Aeropay helps subscription businesses process payments reliably during peak billing periods.

Aeropay can be embedded via API or hosted flows and integrates with leading billing and subscription platforms. Businesses can run pay by bank alongside existing card processing, creating a blended payment stack that offers customers more choice and reliability.

With Aeropay, customers link their bank account once and stay connected for future billing. Payments are automatic and secure, without the need to re-enter credentials or update expiring cards. Refunds or credits can also be issued instantly, creating a more convenient and trusted subscription experience.

Failed renewals are a common pain point in subscriptions. Aeropay helps reduce them by verifying bank accounts during onboarding, running balance checks before each debit, and retrying intelligently if a payment attempt fails. This increases collection rates and helps businesses keep customers subscribed longer.

Involuntary churn happens when payments fail for reasons outside the customer’s control. Offering pay by bank reduces this risk, since bank accounts are more stable than cards. By giving customers a choice between cards and pay by bank, businesses can lower churn, keep more paying customers, and extend customer lifetime value.

Cashless ATMs and similar workarounds process regulated retail purchases as “miscellaneous transactions,” creating compliance risks and inflating fees. Regulators are increasingly scrutinizing these models. Aeropay, by contrast, offers a transparent, compliant pay by bank solution built specifically for regulated payments, giving both operators and regulators confidence in the process.

Aeropay enables specialized retailers to accept digital payments directly from customer bank accounts. This eliminates the need for cash-heavy operations, reduces risk for merchants, and provides customers with a modern, cashless payment option that feels as seamless as paying with a card or wallet.

Healthcare providers can use Aeropay to accept bill payments, recurring care subscriptions, and telehealth visits directly from patient bank accounts. Unlike cards, which may create PCI and HIPAA compliance burdens, Aeropay processes payments securely without storing sensitive credentials. Instant refunds and recurring billing also improve patient experience and reduce administrative overhead.

Aeropay is registered as a money transmitter where required and complies with NACHA operating rules and BSA/AML standards. For CBD companies, Aeropay only partners with licensed financial institutions, ensuring transactions remain fully transparent and compliant with state and federal guidelines. For healthcare, Aeropay operates within HIPAA privacy requirements by design.

Card networks restrict regulated transactions, forcing many retailers to rely on cash or workarounds that create compliance risk. Pay by bank solves this by moving money directly between banks, outside the card networks. Aeropay partners with licensed financial institutions and complies with BSA/AML requirements, ensuring regulated payments are secure, transparent, and compliant.

Yes. Customers link their bank account once through a branded checkout flow and can pay in seconds, without needing to download a separate app. This improves adoption across demographics that may not want to install new payment apps, especially in industries like healthcare and wellness.

Wellness businesses, gyms, and healthcare providers often rely on recurring billing for memberships or care plans. Aeropay’s durable bank connections allow for automatic billing cycles without the risk of expiring or declined cards. Customers benefit from uninterrupted service, while businesses enjoy more predictable revenue.

Industries like healthcare and wellness have historically relied on cash, which creates security risks, theft exposure, and costly cash handling processes. Aeropay reduces these risks by digitizing payments, lowering the need for physical cash while improving audit trails and compliance reporting.

Cards and legacy ACH carry higher costs and more failed transactions. Marketplaces using Aeropay save about 50 percent compared to card fees and see far fewer payment failures because Aeropay reduces R03 no account returns by 43 percent and R04 invalid account returns by 66 percent. Approval rates exceed 95 percent, and settlement is guaranteed, giving marketplaces reliable revenue capture.

Yes. Aeropay enables marketplaces to send funds to sellers and gig workers instantly through ACH, RTP, or FedNow. Funds can move at any time, including nights and weekends, so sellers do not have to wait two to three business days for a bank transfer. Instant payouts increase seller satisfaction and help marketplaces keep liquidity moving.

Buyers complete checkout faster with Aeropay because the system remembers them once their bank is linked. Returning buyers use device-level recognition like Face ID, Touch ID, or passkeys to confirm payment in one click. First-time buyers experience a branded linking flow that takes under 20 seconds. Together, these features reduce cart abandonment and help marketplaces capture more completed transactions.

Pay by bank is a direct account-to-account payment method that connects buyers and sellers through their banks. Marketplaces benefit because it cuts processing costs by up to 50 percent compared to cards, provides guaranteed ACH settlement, and delivers approval rates above 95 percent. This means more transactions are approved, sellers get paid faster, and buyers complete checkout without friction.

Aeropay’s bank linking tool, Aerosync, allows new sellers to connect their bank account in less than 20 seconds. The onboarding flow is embedded directly inside the marketplace app or website and supports more than 12,000 U.S. financial institutions. Once linked, accounts are instantly verified for ownership and identity, eliminating microdeposits and manual checks.

Aeropay maintains a large network of millions of pre-verified users. When buyers and sellers transact within a marketplace, those users are instantly recognized and can pay or get paid without linking their bank again. This reduces the chance that users will move transactions off-platform, keeping revenue and activity inside the marketplace ecosystem.

Aeropay provides Guaranteed ACH, which covers all ACH return codes including insufficient funds and invalid accounts. If a payment fails, Aeropay automatically retries using predictive models and can route the transaction through a different rail if needed. This ensures marketplaces capture the most revenue possible and avoid reconciliation issues that come with failed ACH payments.

Aeropay is designed for marketplaces that rely on fast onboarding, high checkout conversion, and instant payouts. Examples include gig economy platforms, creator marketplaces, retail marketplaces, and event marketplaces. These businesses use Aeropay to onboard both sellers and customers in seconds, lower processing costs, speed up payouts, and deliver a better buyer experience.

Yes. Aeropay offers multiple integration options to fit different levels of technical resources. Marketplaces can use SDKs to embed a pay by bank button in web, iOS, or Android apps in under a week, or they can connect through APIs for a fully customized experience. Both options provide support for onboarding, payments, and payouts without requiring heavy infrastructure.

Pay by bank allows customers to pay directly from their bank account without entering card details. At checkout, shoppers select ‘Pay by bank,’ log in with their bank credentials, and confirm the purchase in seconds. Aeropay verifies account ownership and available balance instantly, ensuring faster approvals and fewer failed transactions.

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Adding pay by bank reduces payment processing costs by up to 50%, avoids chargebacks, and improves payment approvals. Customers complete checkout faster and with less friction, while merchants capture more first-time payments and retain shoppers with one-click repeat purchases.

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Cart abandonment is a constant struggle in e-commerce. Aeropay reduces drop-off with a branded onboarding flow that users recognize and trust. Once a bank is linked, returning customers can pay with one click using Face ID, Touch ID, or Passkeys.

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Card networks often charge 3–5% plus hidden fees. Aeropay's pay by bank solution reduces these costs by up to 50%. For high-volume merchants, these savings add up quickly and can be reinvested in rewards, customer acquisition, or improved margins.

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Yes. Aeropay provides durable bank connections for subscriptions and repeat purchases. Automated ACH billing verifies balances in real time to prevent failed renewals. This reduces churn, ensures reliable revenue, and improves customer experience by avoiding interruptions in service.

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Aeropay bypasses card networks entirely, eliminating traditional chargebacks. Payments are guaranteed against over 50 ACH return codes, including insufficient funds. This protection reduces operational headaches and ensures merchants capture more good revenue without constant disputes.

Aeropay is ideal for businesses processing high transaction volumes, offering subscriptions, or selling high-value products. Marketplaces, DTC brands, and specialty retailers all benefit from lower costs, higher approval rates, instant refunds, and frictionless repeat payments. The more total payments or total volume a merchant processes, the greater the savings and revenue capture.

Aeropay is North America's pay by bank network founded in Chicago in 2017 and led by CEO Dan Muller. Aeropay uses open banking to help US and Canadian businesses link bank accounts, accept bank payments, send payouts and manage payment risk, and its network connects to more than 12,000 US banks and credit unions.

Aeropay processes bank payments and works alongside card processors, including Worldpay. Aeropay sits next to cards and wallets at checkout, so merchants can add pay by bank while keeping their existing provider and checkout flow.

Aeropay competes with pay by bank providers, bank-data aggregators that link accounts, and payment platforms that add ACH alongside cards. Aeropay combines bank linking, payments, payouts and risk scoring in one network, so merchants get all of those layers from one provider.

Read more: How to choose a pay by bank provider in the US →

Yes, in regulated industries. Aeropay has a dedicated compliance team that tracks state and federal rule changes for heavily regulated industries and supports merchants through launch. Aeropay routes payments through multiple ODFIs that understand regulated industries, with backup paths if one fails.

Yes. Customers link and authorize their bank once, and the merchant debits on a set schedule. Linked bank accounts don't expire or get reissued like cards, so recurring payments keep running without new payment details. When a payment fails, Aeropay Guard's smart retries try again once real-time signals show funds are available.

Aeropay payout speed depends on the recipient's bank. Aeropay routes payouts over RTP or FedNow first and falls back to ACH when the bank can't receive a real-time payment. Trading platform Topstep cut trader payout times from 3 days to 9 seconds with Aeropay instant payouts. The RTP network reaches more than 74% of US demand deposit accounts, according to Mastercard (2026).

Read more: How fast is fast enough for payouts? →

Yes. Marketplaces can verify each seller's bank account through Aerosync, check a recipient's real-time balance and verify account ownership before releasing large payouts, and trigger payouts by API. Merchants can track every payout's status in real time through webhooks and the Aeropay merchant portal.

Read more: What does a bank payment API need to handle both pay-ins and payouts? →

Aerosync is Aeropay's bank-linking and financial data product. One Aerosync connection returns account, balance, identity and transaction data for payments and risk decisions. Users link and verify a bank account in under 10 seconds with Aerosync, and Aerosync's gray-label flow reduces total onboarding time by 26%.

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.

Aeropay's infrastructure is SOC 2 Type II certified. Aeropay uses encryption, tokenization and multi-factor authentication, and does not store or transmit raw bank credentials. Customers log in directly with their bank, so no passwords are shared with Aeropay.

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

Aeropay doesn’t publish a single standard rate. Aeropay works with its merchants and partners to curate pricing based on vertical and processing volume, so every business starts on the right program and can scale pay by bank adoption over time. For most merchants, pay by bank through Aeropay costs up to 50% less to process than credit cards.

Pricing is shaped by the merchant’s industry, monthly processing volume and average transaction size, and the Aeropay products in the program, such as Guaranteed ACH, standard ACH, Instant Pay-Ins, payouts, and Aerosync bank verification. To get a quote, merchants and partners can contact the Aeropay sales team.

Read more: Pay by bank vs. credit cards: which costs merchants less? →

Developers start in Aerosync's self-serve sandbox, which lets them test a live integration before talking to sales. Merchants then integrate through Aeropay's APIs and the Aerosync bank-linking SDK, and the build covers bank linking, payments, refunds and webhooks for payment status.

Businesses can start by talking to Aeropay's sales team or by testing a live integration in Aerosync's self-serve sandbox. Aeropay's team then works with each merchant on setup and approval thresholds, and Aeropay's compliance team supports merchants in regulated industries through launch.

Yes, for US gaming operators that want bank deposits and withdrawals in one integration. Aeropay routes gaming payments through multiple ODFIs (the banks that originate ACH payments) that understand regulated industries, with backup paths if one fails, and keeps mobile players inside the app during deposits. Gaming customers include Caesars Sportsbook, Bally’s, PrizePicks, Dabble and Sleeper.

Read more: How do gaming platforms cut failed deposits and pay out winnings faster? →

Aeropay’s platform has four products: Aeropay Pay (pay-by-bank acceptance with Guaranteed ACH, Same Day ACH and Request for Payment (RfP) at supported banks), Aeropay Payouts (direct-to-bank payouts over RTP and FedNow, with ACH fallback when the recipient’s bank can’t receive a real-time payment), Aerosync (bank linking and financial data) and Aeropay Guard (an AI risk engine that scores each transaction in real time). One Aerosync bank connection returns account, balance, identity and transaction data that businesses use for payments and risk decisions.

Yes. Aeropay is a pay by bank provider whose network connects to more than 12,000 US banks and credit unions, and millions of users already pay by bank through its network.

Read more: How to choose a pay by bank provider in the US →

Yes. Aeropay Payouts uses the same integration merchants use to accept pay by bank, so one Aeropay integration handles deposits as well as withdrawals, seller and worker payouts, rewards and refunds.

Read more: What does a bank payment API need to handle both pay-ins and payouts? →

Aerosync connects to more than 12,000 US banks and credit unions. Wherever the bank supports it, customers log in directly with their bank and the bank issues a token, so no passwords are shared with Aeropay and no screen scraping is involved. Aeropay also helps define US open banking standards through its leadership within the Financial Data Exchange (FDX).

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.

Yes. Aeropay is a privately held pay by bank company founded in Chicago in 2017, its infrastructure is SOC 2 Type II certified, and it partners with MVB Bank. Aeropay ranked #380 on the 2026 Inc. 5000 list and helps define US open banking standards through its leadership within the Financial Data Exchange (FDX). Aeropay's partners include Worldpay, and businesses including Xsolla and Topstep use Aeropay.

Read more: Aeropay and MVB Bank partner to modernize pay by bank →

No. Aeropay doesn't offer a native Shopify app or plugin today. Businesses can add Aeropay pay by bank through Aeropay's API or one of its existing platform integrations, available to businesses in the US and Canada.

Developers can start testing right away in Aerosync's self-serve sandbox, which lets them build against a live integration before talking to sales. Aeropay's team works with each merchant through launch, and Aeropay's compliance team supports merchants in regulated industries from the first call.

Yes. Aeropay sends player withdrawals to verified bank accounts over RTP or FedNow first and falls back to ACH when the player's bank can't receive a real-time payment. Operators can track every payout's status in real time through webhooks and the Aeropay merchant portal.

Yes. Cannabis dispensaries and other specialty retailers can accept Aeropay in store by QR code, payment link, text or email with no new hardware, and shoppers can link a bank once and pay the same way in store, online and on delivery.

Yes. SaaS companies can bill subscribers from their bank account on a set schedule after one authorization. Linked bank accounts don't expire or get reissued like cards, so renewals keep running without new payment details. Pay by bank through Aeropay costs up to 50% less to process than cards.