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Payouts

Pay your users
the second they ask

Instant, direct-to-bank payouts for cashouts, refunds, and rewards—built into the flow you already use to accept Pay by Bank.

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Digital transaction confirmation showing a completed deposit of $980 from GG Gaming wallet to Everyday Checking account ending 4895. On the right, payout request details with timestamp 3:05:32 PM and status checkmarks for submitted, approved, and funds sent, with a final timestamp of 3:05:41 PM. A large metallic dollar sign overlays the bottom center.

More banks reached.
Less time waiting.

List of supported banks including Chase, Bank of America, Wells Fargo and Navy Federal Credit Union.

Reach 12,000+ institutions

From national banks to local credit unions, your users are covered.

$717.00 payout request submitted at 2:07:52 PM and funds sent at 2:08:01 PM.

Real-time by default

Payouts route to RTP® or FedNow first, so users skip the wait for the next banking cycle

Two payment notifications, a $25.87 payment sent and a $46.00 payment received, beside a chrome dollar sign.

Nothing new to build

The same integration you use to accept payments sends them.

How it works

Trigger a payout.
Watch it land in seconds.

Payout triggered and landing in real time

$717.00 payout request moving through funding, risk, compliance and finance approval, with funds sent in 9 seconds.

Instant Access

No wait.
Just paid.

People expect their money instantly now. Cashouts, refunds, and rewards that land right away separate you from the platforms that make people wait.

Boost loyalty with immediate access to funds.

Make cashing out the part of your platform users talk about.

Reduce support tickets from "where's my money" inquiries.

Trusted user journey: checking account connected, $500 deposit, $230 bank payment and $100 withdrawal completed.

Deposit growth

Speed that keeps users coming back

Fast withdrawals give users one less reason to hesitate before the next deposit.

Support deposit growth by making the way out as easy as the way in.

Build trust that carries into every future transaction.

Turn payout speed into a growth lever for the whole platform.

List of payouts all marked paid, with automatic routing and reconciliation and no manual action needed.

Operations

Payouts without the busywork

Aeropay picks the rail and reports back on every payout, so your team spends less time managing each one.

Replace manual ACH runs with payouts routed to the fastest available rail.

Track every payout's status in one place, so reconciliation takes less time.

Grow payout volume without growing the team behind it.

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
users get paid

Withdrawal of $990.00 completed 7 seconds after submission, with a user saying the money landed in their bank account in seconds.

Withdrawals

Cash out without the wait

Instant withdrawals turn a routine action into a reason to trust the platform.

Worker payout of $412.00 for a completed countertop install job, sent to a checking account 9 seconds after approval.

Seller & worker payouts

Pay sellers and workers the moment they're owed

Fast payouts keep sellers and workers active on your platform.

Reward redemption confirmation showing 2,500 points redeemed for $25.00 sent to a checking account.

Rewards

Send rewards straight to a bank account

No card to activate, no code to redeem. Just cash, deposited directly.

Support chat where a customer asks for a refund on a missing order and a $76.40 refund is approved to their bank account in seconds.

Refunds

Resolve refunds before frustration sets in

A fast refund keeps a bad moment from turning into a lost customer.

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.

FAQs

How fast are Aeropay payouts?

Aeropay payout speed depends on the recipient's bank. Aeropay routes payouts over RTP or FedNow first and falls back to ACH when the bank can't receive a real-time payment. Trading platform Topstep cut trader payout times from 3 days to 9 seconds with Aeropay instant payouts. The RTP network reaches more than 74% of US demand deposit accounts, according to Mastercard (2026).

Does Aeropay support both pay-ins and payouts?

Yes. Aeropay Payouts uses the same integration merchants use to accept pay by bank, so one Aeropay integration handles deposits as well as withdrawals, seller and worker payouts, rewards and refunds.

Does Aeropay support refunds?

Yes. Merchants send refunds straight to the customer's bank account through Aeropay Payouts, which routes over RTP or FedNow first and falls back to ACH. Refunds run through the same integration merchants use to accept pay by bank.

Pay your users the second they ask

More banks reached. Less time waiting.