Aeropay is the modern way to get paid by bank. No account/routing numbers. Far less returns. And a massive network of recognizable users.
New users connect accounts instantly with Aerosync.
Transparent flows and safeguards build confidence at every step.
Returning and Network users pay in 1-click with no re-linking necessary.
Users link a bank and pay with no account/routing numbers or PII.
Let us handle routing, risk, and collection. You just tell us your goals.
Reward loyalty and reduce friction by automatically routing your most reliable payers through a faster, low-risk path.
Aeropay can cover all R-codes, including insufficient funds and invalid accounts.
We automatically choose the fastest, safest payment rail for each transaction.
"Aeropay's suite of tools have allowed PrizePicks to greatly increase customer conversions."
"Daily Fantasy Sports is an around-the-clock passion, Aeropay helps ensure we are meeting these needs on a 24/7, 365 basis."
"Partnering with Aeropay gives Coverd users a seamless way to buy game tokens and live big."
Aeropay approves the most good transactions possible.
Aerosync reduces R03/R04 by 60% with direct API connections for real-time balance checks.
Risk assessment models are tuned to your industry, customers, and use case.
Fastest-first payment routing removes settlement delay risk.
Predictive, in-house collection recaptures failed transactions without harming reputation.
Delight users with real-time funding, so they can start spending, trading, or gaming immediately
Expand purchasing power for users based on real-time account availability.
Keep subscriptions running smoothly with automated ACH billing that minimizes declines and service interruptions.
Choose your preferences, or go with fastest-first.
Users authorize payments in their online banking app via Request for Payment (RfP). Funds move immediately (even after hours or on weekends).
Great for: Reducing latency between payment and settlement.
Route reliable users through a faster approval path, using reputation scoring and transaction history to reduce unnecessary declines.
Great for: Returning users with a strong payment track record.
Cover every R-code with Aeropay’s Guarantee, ensuring payments are protected even in cases of insufficient funds or invalid accounts.
Great for: Capturing the most possible revenue without added risk or reconciliation work.
By default, Aeropay batches transactions for same-day ACH settlement, moving funds quickly while lowering costs and operational overhead.
Great for: Routine transactions that need speed and efficiency at scale.
Embed pay by bank directly into your app or checkout with simple, configurable APIs. Full control over UI and flow, no heavy infrastructure required.
Use our prebuilt SDK to launch transactions without building a backend. All endpoints, scopes, and tokens are handled for you.
Create secure, shareable links via API or merchant portal. Support for standard, payout, and subscription transactions, with webhook notifications for every event.
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.
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.
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.
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.
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.
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.
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.
