Traditional ACH carries high return risk. Aeropay’s predictive AI risk engine combines specialized data, machine learning, and network intelligence to achieve card-level approval rates with lower fraud.
Satisfy the 80% of U.S. consumers that prefer instant payments. Give users their money immediately for rewards, cashouts, or refunds.
Increase adoption, engagement, and pay-in volume by routing customers to receive funds instantly. Faster withdrawals encourage users to deposit and transact more often.
Eliminate manual ACH runs, slow settlement times, and redundant fees. Aeropay automates and accelerates payouts so your team can focus on growth.
Give users immediate access to their funds. Platforms and gaming operators can boost loyalty and engagement by letting users cash out in seconds.
Keep your ecosystem thriving by paying out right away. Marketplaces and gig platforms deliver instant satisfaction to sellers and workers, ensuring they stay engaged, motivated, and in-platform.
Enhance your rewards or loyalty program with instant gratification. Integrate direct-to-bank payouts so users can enjoy their cash rewards immediately—driving repeat engagement and brand trust.
Turn a negative into a positive with instant refunds. Improve the customer experience, reduce churn, and build confidence by resolving issues on the spot.
'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.'
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.
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.
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.
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.
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.
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.
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.
