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Put recurring revenue on autopilot

No card networks. No account or routing numbers. No acceptance delays. Just highly successful ACH.

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The new standard for recurring ACH payments

Aeropay reduces involuntary churn, lowers billing costs, and gives customers full control over their plan.

50% lower processing cost

Aeropay cuts billing costs by up to 50% compared to card networks, turning saved fees into higher profits or reinvestment in growth.

95%+ acceptance rate

Aeropay’s AI risk engine approves the most good payments on the first try. It's so effective that, Aeropay maintains 95%+ acceptance rates, the highest in the industry.

80% retry rate

Our smart retry engine automatically resolves failed payments, recovering up to 80% of subscription payments without manual intervention.

9% reduction in card-related churn

9% of subscription sales are lost to card churn. With Aeropay, subscribers never drop off due to expired or replaced cards, keeping revenue streams steady.

How it works: Recurring pay by bank

Make it easy for customers to connect their bank for highly reliable (and cost-effective) automatic payments.

Fast setup

Create and configure new subscriptions in minutes.

Reliable payments

Recurring charges run over secure, low-cost ACH rails.

Full flexibility

Let users pause, resume, upgrade, downgrade, or cancel anytime.

Fewer failures

Smart retries automatically recover failed payments.

Instant bank linking

Subscribers connect accounts instantly with Aerosync.

Automatic alerts

Notify customers instantly about plan or price changes.

Join America’s subscription billing network

Tap into a bank-first platform built to keep subscribers active, reduce churn, and give customers more control.

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Millions of pre-verified accounts

Pre-verified accounts cut setup time from minutes to seconds so users start their subscription right away.

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Automatic recognition for renewals

Once a subscriber links their bank, they are auto-recognized for every renewal, retry, or plan change. No re-entry or card updates required.

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Seamless plan management

Subscribers can pause, resume, upgrade, or downgrade instantly. With clear plan details and biometric login, they stay in control while you keep them retained.

Add subscriptions by bank for:

Use Aeropay to optimize recurring payments across every subscription business model.

SaaS billing

Keep software subscriptions running without disruption. Retry failed payments automatically and reduce churn caused by expired or declined cards.

Memberships and loyalty programs

From gyms to clubs to rewards platforms, offer predictable billing with pause, resume, and plan change options that keep members engaged.

DTC and subscription boxes

Boost retention for consumer subscriptions like food, beauty, and wellness boxes. Lower processing costs mean higher margins on every renewal.

Media and streaming

Capture recurring revenue with clear plan details, seamless sign-ups, and instant recognition at renewal so subscribers never miss access.

Explore the full product suite

Sync

Connect any bank account in seconds.

Explore Aerosync
Pay

Accept modernized bank payments.

Explore payments
Payout

Deliver instant bank payouts, 24/7/365.

Explore payouts
Guard

Protect revenue & reputation with AI.

Explore

Ready to modernize your recurring ACH payments?

Talk to our team to start building smarter, more successful e-commerce payments.

FAQs

What types of subscription businesses benefit from Aeropay?

Aeropay supports a wide range of subscription businesses, including SaaS platforms, streaming services, gyms, digital memberships, wellness companies, and subscription boxes. Any business that depends on recurring billing can benefit from adding pay by bank as an option to improve reliability, reduce churn, and enhance the customer experience.

How does Aeropay improve the subscriber experience?

With Aeropay, customers link their bank account once and stay connected for future billing. Payments are automatic and secure, without the need to re-enter credentials or update expiring cards. Refunds or credits can also be issued instantly, creating a more convenient and trusted subscription experience.

How does Aeropay integrate with existing billing systems?

Aeropay can be embedded via API or hosted flows and integrates with leading billing and subscription platforms. Businesses can run pay by bank alongside existing card processing, creating a blended payment stack that offers customers more choice and reliability.

Can Aeropay handle high-volume recurring billing cycles?

Yes. Aeropay is built to support large-scale recurring billing across monthly, quarterly, or annual cycles. With >99.9% uptime, real-time balance checks, and automatic retries, Aeropay helps subscription businesses process payments reliably during peak billing periods.

Why do subscription businesses add pay by bank as a payment option?

Adding pay by bank gives customers a reliable alternative to cards. While cards remain popular, they can expire, be replaced, or encounter issuer restrictions. Bank accounts, on the other hand, rarely change. By offering both options, businesses capture more successful renewals and reduce churn without asking customers to update billing details.

How does Aeropay support subscription businesses?

Aeropay makes it easier for subscription businesses to collect recurring payments directly from customer bank accounts. Customers link their account once through Aerosync and stay connected for future billing cycles. This creates durable payment relationships that reduce interruptions, improve revenue predictability, and complement existing card-based billing.