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Marketplaces

Pay by Bank for
buyers and sellers alike

Collect from buyers, pay out sellers and partners, and verify every account through one connected network.

Talk to an expert
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Buyer pays a $320.00 order by bank and the seller is paid out over RTP in 8 seconds
Up to
50
%

lower cost per transaction than card interchange

As little as
8
seconds

for sellers to get paid, with instant payouts over RTP & FedNow

12,000
+

banks and credit unions for verifying the accounts that get paid

A trusted customer paying by bank beside a chrome shield
Payments

Collect without
the card tax

Customers pay straight from their bank account, so every order skips interchange and the chargebacks that come with it.

Accept pay by bank at checkout, in your app, or through payment links.
Recognize customers already in the Aeropay network so they pay without linking their bank again.
Cover eligible bank-initiated returns with Guaranteed ACH so your team stops absorbing failed payments.
Seller payout of $412.00 approved and sent to their checking account
Payouts

Cash out sellers
without making them wait

Payouts go out over instant rails whenever the seller's bank supports them, so earnings can land in seconds instead of days.

Send payouts over RTP and FedNow, which reach about 70% of US bank accounts.
Route every other payout over ACH so each seller still gets paid.
Track each payout's status in real time through webhooks and the merchant portal.
Seller account linked with live balance data and confirmed identity
Account linking

Pay the right seller
every time

Every seller account is verified the moment it's linked, so every payout lands where it should.

Confirm account ownership and identity as sellers link their bank, with no micro-deposits.
Check real-time balances before you front funds or release large payouts.
Keep bank connections current so returning sellers never have to relink.
Fraud risk detected and the transaction blocked before payout
Risk

Catch bad actors
before they get paid

Every payment and payout is scored for risk in real time, so fraud gets stopped at the account instead of found in a return report.

Score every transaction with a risk model that learns from activity across the Aeropay network.
Set your own limits on amounts, velocity, and banks for buyers and sellers.
Get real-time return data with the exact R-code and a suggested next step.

Built for marketplaces and
the platforms behind them

Freelance & services marketplaces

Give freelancers a reason to stay

Collect from clients for less and pay freelancers faster, straight to the bank account they verified at signup.

Ticketing & live events

The show goes on. The card fees don't.

Fans pay straight from their bank at checkout, so more of every ticket sale stays with you.

Software platforms

Put pay by bank inside your product

Give your merchants a lower-cost way to get paid without sending them to another tool.