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E-commerce

Keep the sale.
Skip the interchange.

Shoppers check out straight from their bank account, and you accept every order for less than a card would cost you.

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Shopper pays a $1,240.00 order by bank: balance check passed and order complete with $0.00 card fees
50
%

lower processing costs compared to cards

90
%+

payment approval rate

20
%

more first-time shoppers converted with a branded checkout

Branded checkout settings with brand colour, dark mode and available banks
Checkout flow

Make Pay by Bank
the easy choice

Every extra step at checkout is another chance for your customers to reach for their card instead.

White-label the authentication flow to build trust with every shopper.
Pre-fill identity details so first-time shoppers have less to type before they pay.
Connect shoppers through online banking at 12,000+ banks and credit unions, with no micro-deposits.
Processing costs

Pay less for
your best customers

Bank payments cost less than cards, and our Trusted User Program lowers them even further for shoppers you already know well.

Move trusted shoppers to lower-cost payment paths automatically.
Stop absorbing card fee increases every time the networks raise their rates.
Accept high-value orders without card fees that climb with the size of the cart.
Returned $1,240.00 payment covered by Guaranteed ACH, with a retry scheduled for when the balance recovers
Payment protection

Take chargebacks
off the table

Every disputed card payment costs you the sale, the fee, and the time it takes to fight it.

Replace card chargebacks with Guaranteed ACH coverage against 50+ return types, including insufficient funds.
Predict return risk on every order before you approve it.
Retry failed payments when the shopper's balance recovers, without manual follow-up.
Returning shopper reorders $86.00 from their linked account and earns a $5.00 reward for paying by bank
Repeat purchases

Win the reorder

Linked bank accounts work like saved cards, without card fees on every repeat order.

Recognize returning shoppers automatically, so reorders take a few taps instead of a form.
Skip bank linking for first-time shoppers who've already connected a bank through Aeropay.
Use what you save to reward shoppers who pay by bank, and turn a first choice into a habit.

Built for every way
people shop

Direct-to-consumer

Add Pay by Bank without rebuilding checkout

Pay by bank sits alongside the payment options you already offer, so you can launch it without replacing your provider or your checkout flow.

High-ticket goods

Keep big carts from stalling at checkout

Large orders run up against card spending limits right when a shopper is ready to buy. Real-time balance checks let you approve them based on the funds actually in the account.

High-volume merchants

Turn order volume into margin

Bank payments cost far less per transaction than cards, so the savings grow with every order you process.

Repeat icon

Subscription & replenishment

Keep restocks and refills running

Linked bank accounts don't expire the way cards do, so scheduled repeat orders keep going through without chasing new payment details.