Built for security and trust at scale

Aeropay protects all data in transit and at rest using industry-standard, bank-grade encryption protocols. These controls safeguard sensitive financial data against interception or tampering, ensuring that every transaction is secure from end to end.

To reduce risk exposure, Aeropay tokenizes account identifiers so merchants never see raw account or routing numbers. Our Sync engine also normalizes data outputs, delivering clean, standardized account information while abstracting sensitive details from merchant systems.

Our embedded Aerosync widget connects users to their banks through OAuth at more than 2,700 institutions. This eliminates risky manual entry of account and routing numbers, reduces user error, and leverages bank-native authentication for stronger protection.

We add multiple layers of verification to secure user access. Multi-factor authentication (MFA) and phone verification block unauthorized sign-ups, while support for Face ID and Touch ID on mobile devices enables fast, frictionless, and secure logins.

Aeropay enforces least-privilege access with short-lived, scoped OAuth tokens that expire after 30 minutes. Webhooks are signed with secret keys, ensuring every integration point is hardened against misuse or forgery.

Aeropay is SOC 2 compliant, with annual independent audits verifying that our security, availability, and confidentiality controls meet enterprise-grade standards. This certification validates our commitment to protecting sensitive customer and consumer data while continuously monitoring and improving our systems.

Transactions and user behavior are continuously monitored using machine-learning models and guardrails designed to detect anomalies and prevent fraud before it impacts merchants. Our network-wide learning approach ensures smarter decisioning and stronger protection over time.

We handle ACH operations in strict compliance with NACHA standards, and undergo annual independent audits of our ACH processes. From assembling compliant files to monitoring return codes and optimizing retry logic, Aeropay ensures merchants stay compliant while reducing operational overhead.

Merchants have full visibility into their payment activity through searchable transaction histories, exports, and real-time webhooks. These tools simplify reconciliation, support compliance audits, and enable faster exception handling when issues arise.

Our Aerosync engine aggregates data from multiple financial sources and applies FDX-style normalization. This ensures data integrity, reduces mismatches, and lowers the likelihood of failed transactions or downstream errors.

Aeropay maintains a strict privacy posture: we only partner with accredited data providers and never sell user data. Our compliance-grade data handling ensures sensitive information is used only for its intended purpose—secure, reliable bank payments.

Within the Aeropay portal, merchants can define roles and permissions for their teams, managing access to refunds, voids, reporting, and user management. Every action is logged, providing clear audit trails for compliance and security teams.

Merchants are notified instantly of critical events like declines, returns, or user status changes via real-time webhooks. Optional webhook signing adds an additional layer of integrity, ensuring alerts are both timely and trusted.

Security is embedded in Aeropay’s software development life cycle. We employ code reviews, dependency scanning, and automated security testing (SAST/DAST) to identify vulnerabilities early and release only hardened builds.

Every Aeropay employee undergoes security and compliance training at onboarding and on a recurring basis. Training covers phishing awareness, data handling best practices, and SOC 2 control requirements, ensuring security is a shared responsibility across the company.