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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.

FAQs

Is Aeropay a payment processor?

Aeropay processes bank payments and works alongside card processors, including Worldpay. Aeropay sits next to cards and wallets at checkout, so merchants can add pay by bank while keeping their existing provider and checkout flow.

Is Aeropay a pay by bank provider?

Yes. Aeropay is a pay by bank provider whose network connects to more than 12,000 US banks and credit unions, and millions of users already pay by bank through its network.

Read more: How to choose a pay by bank provider in the US →

Is Aeropay a good alternative to traditional payment processors?

Yes, for payments customers make from their bank account. Pay by bank through Aeropay costs up to 50% less to process than cards. Most merchants add Aeropay at checkout next to their existing card processor rather than replacing it, so customers who want card credit or rewards can still pay by card.

Read more: Pay by bank vs. credit cards: which costs merchants less? →

Is Aeropay a good option for enterprise merchants?

Yes, for US and Canadian enterprises with high-value or high-frequency bank payments. Aeropay offers a white-label Aerosync linking flow, API migration of existing bank connections so users keep their current links, approval thresholds tuned with Aeropay's team, and SOC 2 Type II certified infrastructure. Enterprise customers include Caesars Sportsbook and Bally’s.

Does Aeropay integrate with existing payment processors?

Yes. Merchants add Aeropay through its API next to their current card processor, including Worldpay, so pay by bank runs alongside cards and wallets without a new checkout flow, and existing bank connections can move to Aeropay by API so users keep their current links. Aeropay also announced an integration with Jack Henry on June 2, 2026, to strengthen instant pay by bank infrastructure.

Read more: Aeropay announces integration with Jack Henry to strengthen instant pay by bank infrastructure →

What payment methods does Aeropay support?

Aeropay supports pay by bank payments for online and in-app checkout, payment links, in-store payments by QR code, text or email with no new hardware, recurring billing and payouts. Aeropay routes payouts over RTP or FedNow first and falls back to ACH, and works alongside card processors for card acceptance.

How does Aeropay route payments across RTP, FedNow and ACH?

For payouts, Aeropay routes over RTP or FedNow first and falls back to ACH when the recipient's bank can't receive a real-time payment, so the merchant doesn't build separate logic per bank. For pay-ins, Aeropay Guaranteed ACH lets merchants credit customers right away instead of waiting days for ACH to settle.

Read more: ACH vs. RTP vs. FedNow: which rail should each payment use? →

Does Aeropay support Request for Payment (RfP)?

Yes, at supported banks. Aeropay Request for Payment (RfP) sends the payment request straight to the customer's banking app, and funds settle once the customer approves it, at banks that support RfP. For customers whose banks don't support RfP, merchants can accept the payment through Aeropay Guaranteed ACH instead.

How does Aeropay's Guaranteed ACH work?

Aeropay Guard scores each bank payment in real time before funds move. When Aeropay approves the payment, the merchant can credit the customer right away, and Aeropay Guaranteed ACH covers eligible bank-initiated returns, across 50+ return types including insufficient funds, up to the merchant's agreed coverage limit. Trusted User payments sit outside the guarantee.

Read more: How do you recover a failed bank payment? →

Does Aeropay support Same Day ACH payments?

Yes. Aeropay payouts fall back to Same Day ACH when the recipient's bank can't receive a real-time payment, and Aeropay bank payments settle the same day or faster. With Aeropay Guaranteed ACH, merchants can credit customers right away instead of waiting days for ACH to settle.

Does Aeropay offer payment reconciliation and reporting?

Yes. Merchants can track every payout's status in real time through webhooks and the Aeropay merchant portal, and webhooks report payment status for pay-ins.

Does Aeropay support account funding for trading and fintech apps?

Yes. Aeropay lets trading and gaming platforms fund accounts as soon as users deposit, without waiting on a settlement window, using Aeropay Guaranteed ACH. Trading platform Topstep uses Aeropay and cut trader payout times from 3 days to 9 seconds with Aeropay instant payouts.

Read more: How Topstep reduced trader payouts from 3 days to 9 seconds →