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Payments

Keep more of
every dollar you process

With pay by bank, you pay less per transaction, settle with a guarantee, and get approved at a higher rate.

Calculate your savings
→
Get a demo
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$275.00 deposit from a linked checking account, available to use instantly.

Raise your revenue
while lowering your cost

Customer's bank account connected, confirmed with a checkmark.

Capture more payments

Instant account linking and real-time risk checks remove friction and guesswork, so more payments make it through.

Customer connected to instant settlement, shown by a lightning bolt and flowing payment lines.

Move money faster

Real-time rails and Guaranteed ACH let you fund accounts in seconds, even when standard ACH would take days.

Trusted user beside a chrome shield with a checkmark, with processing costs 50% less than cards.

Shrink cost per transaction

Routing, risk, and settlement work together to keep your rate falling instead of climbing.

How it works

Link once.
Then pay in one click.

Link a bank account once, then pay in one click
Trusted user journey: checking account connected, $500 deposit, $230 bank payment and $100 withdrawal completed.
Conversion & retention

More customers finish.
More customers return.

One flow links the account, takes the payment, and remembers them for next time.

Convert 20% more first-time customers with identity pre-fill and instant linking across 12,000+ financial institutions.
Catch risk without slowing down good customers, with AI models powered by network intelligence built over 10+ years.
Recognize returning users and anyone who's paid an Aeropay merchant before, so repeat payments move at one-click speed.
$1,000 deposit available to trade instantly, with a customer saying their account is funded without delay.
Settlement

Payments that don't take days off

RfP settles in real time, even on weekends and holidays, and Guaranteed ACH lets you credit customers right away.

Eliminate NSF risk with instant payment requests straight to the customer's banking app.
Cover approved payments against all bank-initiated returns, so protection never costs you approvals.
Route each payment to the fastest rail it can reach, so customers deposit and spend at once.
Trusted users sent through low-risk smart routing, with 50%+ total cost savings compared with other providers.
Processing costs

Your rates only go down from here

Pay by bank costs less than cards, and your proven payers save you even more.

Fast-track your trusted, high-value payers around the guarantee and onto a lower-cost payment path.
Undercut card interchange, then cut costs further with routing optimization on every transaction.
Scale without adding overhead, as higher approval rates mean fewer returns and support tickets.

See what Pay by Bank would save you

Compare your current processing costs against pay by bank and get a personalized estimate, in minutes.
Calculate your savings
→
Phone calculator showing $283,750 in estimated annual savings from Pay by Bank compared with current processing costs.
Customer stories

“We love Aerosync. Its suite of tools have allowed PrizePicks to greatly increase customer conversions while simultaneously lowering costs on ACH returns and bad data.”

Jay Deuskar
Co-Founder & CTO
Network

Smarter with every transaction

Millions of users and billions of data points work together to improve conversion and performance with every payment.

20%
conversion lift
12k
institutions
2 years
of account data history
5B+
interactions
60%
fewer returned payments
Light globe line illustration used as a background for bank network labels.

Built for however customers
pay you

Embedded checkout
Instant account funding
Recurring billing
In-store
Checkout for a $245.00 sneaker purchase offering Pay by Bank with $5 cashback alongside card payment, next to a verified user's live balance.
Embedded checkout

Meet customers
where they already pay

The more familiar pay by bank feels to your customers, the more they’ll choose it.

Sit alongside every major card and wallet.
Incentivize adoption with built-in savings or cash back.
Scale checkout conversion as more customers opt in.
Verified user with a connected checking account, live balance data and confirmed identity.
Instant account funding

Get the savings of ACH
at the speed of cards

Aeropay guarantees settlement against all bank-initiated returns, so deposits move with the confidence of cards.

Aeropay guarantees settlement against all bank-initiated returns, so deposits move with the confidence of cards.

Approve more transactions with real-time risk decisioning, backed by 90% approval rates.
Eliminate insufficient funds risk with real-time payment rails.
Reuse verified bank connections for returning users.
Subscription confirmed for a $49.99 per month gym membership, billed to a checking account.
Recurring billing

Turn more signups into
subscribers who stay.

Guaranteed ACH covers riskier customers, and renewals keep running long after a card would expire.

Say yes to more signups without carrying the return risk.
Collect every renewal for less than a card charge.
Recover failed renewals automatically with smart retries.
In-store payment link form with a $48.99 total, ready to send to the customer by text or email.
In-store

Take payments anywhere
there’s a phone

Customers pay from their bank on the spot, and completed sales stay completed after they walk out.

Ask for payment by text, email, or QR code with nothing to install.
Protect completed sales against bank-initiated returns.
Close high-ticket purchases in a single payment.
Partnership

Support that moves
as fast as you do

Two men working together on laptops in an office setting, one with a beard and a grey sweater smiling while the other points at his screen wearing a black vest over a white shirt.

Direct access to our team

Real support, in real time, not a ticket queue.

Chrome shield with a checkmark beside labels for high-risk industries and SOC II certification.

Compliance built in

SOC 2 certified, so trust and security aren't things you have to build yourself.

Group of users moving across with an arrow, showing existing bank connections migrated without re-enrollment.

Move quickly without rebuilding

API-driven migration gets you live without starting from scratch.