Aerosync is an embeddable widget that connects your customers’ financial accounts, without the added costs or friction of traditional aggregators.
Prevent checkout abandonment with complete bank linking in under 20 seconds.
Seamless app-to-app support allows users to authenticate on their bank's mobile app.
OAuth-first flows with intelligent fallback keep success rates high, even with small institutions.
Recognize and re-authenticate returning users instantly with biometrics.
Aerosync is modular by design. Tailor the experience to your branding, risk controls, and business logic.
Customize logos, colors, fonts, and copy so the experience feels fully native to your app.
Enable or restrict specific banks based on risk and business logic, or regulatory requirements.
Run A/B tests or tailor bank-linking flows for different user segments without rebuilding your integration.
Instantly confirm funds before initiating a transaction—cutting NSF failures and improving approval rates.
Stay in sync with instant updates on account changes, balance refreshes, and transaction statuses.
Access verified user details (name, phone, address) to power onboarding, compliance, and fraud prevention.
Retrieve account and routing numbers in a secure, tokenized format—with the ability to track revocations in real-time.
Adding Aerosync means joining Aeropay’s national network of verified users. No re-linking necessary.
No re-linking required. Users verified once with MFA or biometrics stay recognized across your app.
New users may already be in the network, cutting onboarding time down to seconds.
Face ID, Touch ID, and Passkeys authenticate users and keep them in flow when they return.
Instantly verify seller and worker accounts with OAuth-first connections, reducing onboarding drop-off and ensuring payouts flow smoothly from day one.
Access real-time balances before debiting funds, cutting failed ACH returns and keeping subscriptions running without costly interruptions.
Retrieve balances, account numbers, and identity details in real time to streamline KYC, compliance, and risk checks.
Every connection is prioritized for the latest open banking standards.
Standardized protocols deliver consistent, reliable information across every connection.
Verified account data reduces failed payments with 43% fewer R03 and 66% fewer R04 returns than legacy providers.
Tailor the linking experience to match your branding, risk controls, and use case.
Get the bank linking widget live in minutes. No heavy infrastructure, just drop it in and start testing.
Apply your colors, font, and style to make the entire experience yours.
Allow your users to connect directly to their preferred institutions. No screen scraping necessary.
Once a bank is linked, retrieve data from the user's connected account. Balance, transaction history, and identity can be retrieved within seconds.
Easily A/B test and segment users, control which banks show up, and tailor flows to fit different use cases.
Aerosync supports app-to-app login, deep linking, and native biometrics, so bank linking feels as seamless as your mobile app.
In Europe, open banking is standardized under PSD2, but in the U.S. no such standard exists and connections can vary by bank. Aerosync bridges this gap by normalizing data from multiple providers into a consistent format, while prioritizing OAuth-first connections for major FIs. This ensures U.S. businesses get the reliability of European-style open banking, with the flexibility to support 12,000+ banks and credit unions across the fragmented U.S. landscape.
Any business that depends on fast, reliable bank connections benefits from Aerosync. In gaming, it enables players to deposit in seconds and withdraw winnings instantly. In subscriptions, it supports durable account connections that reduce churn and failed renewals. In marketplaces, it improves seller onboarding and payout reliability. In regulated industries like CBD or healthcare, it ensures compliant, secure bank connectivity where cards are not a viable option.
Yes. Unlike generic aggregators that provide a one-size-fits-all widget, Aerosync can be fully branded with your company’s logos, fonts, and messaging. Businesses can create multiple versions of the widget for different user segments or flows (e.g., deposits vs. payouts). This not only builds trust with customers but also drives higher conversion, since users feel like they’re still within your ecosystem rather than being redirected to a third-party provider.
Incumbent solutions were built for data aggregation, not payments. They often rely on screen scraping, which is less reliable and less secure, and they charge on a per-API-call basis that makes costs scale poorly. Aerosync, by contrast, was designed in-house for high-volume payments. It prioritizes OAuth connections, uses redundant data sources to maximize uptime, and has favorable economics, especially when bundled with Aeropay transactions—delivering better unit economics for businesses.
Onboarding is where most payment providers lose customers. With legacy aggregators, conversion rates on bank linking flows can drop by 20–40% due to inefficient redirects, failed logins, or unsupported banks. Aerosync solves this with OAuth-first connections, biometric re-entry for returning users, and smart fallback verification methods for smaller institutions. Businesses using Aerosync typically see 15–20% higher first-time bank link success rates, which translates directly into higher checkout conversions and faster revenue capture.
Security is core to Aerosync. All connections use bank-level encryption, tokenization, and multifactor authentication where available. Credentials are never stored or exposed. The platform exceeds NACHA security standards for ACH, and Aeropay undergoes SOC 2 Type II audits annually. Compared to screen-scraping aggregators that store sensitive login information, Aerosync’s OAuth-first approach dramatically reduces the risk of breaches and fraud.
When a user selects their bank, Aerosync establishes a direct, encrypted connection through OAuth or secure login. The system retrieves tokenized account details—account number, routing number, type, and balance—without ever storing credentials. Data is refreshed automatically every 24 hours and can be pulled in real time to confirm available funds before a transaction. This eliminates the need for microdeposits, which can take 1–3 days and cause significant drop-off in onboarding flows.
Aerosync supports more than 12,000 financial institutions in the United States, including the largest banks (Chase, Bank of America, Wells Fargo, Capital One) as well as thousands of regional banks and local credit unions. By comparison, many legacy providers lack deep coverage across regional FIs, which account for more than 15% of U.S. banking customers. Aeropay’s multi-source connections ensure both broad coverage and reliable uptime (>99.9%).
Aerosync is Aeropay’s proprietary bank linking technology that connects consumers directly to their financial institutions in under 20 seconds. Unlike legacy bank aggregators that were built for data collection, Aerosync was purpose-built for payments. It supports 12,000+ U.S. banks and credit unions, uses OAuth-first authentication whenever available, and provides businesses with verified account data, balances, and user identity. This ensures higher conversion rates, lower return codes, and a better end-user experience.
ACH returns—such as R01 (insufficient funds) and R03/R04 (invalid accounts)—are a major pain point for merchants. Industry data shows that ACH transactions fail 1–3% of the time, with higher rates in high-risk verticals. Aerosync mitigates this by verifying account details at the time of link and refreshing balances in real time before payments are authorized. This reduces R03/R04 returns by up to 66% and R01 returns by over 40%, leading to higher approval rates and fewer operational headaches.
