Question 1

What is Aerosync?

Accepted Answer

Aerosync is Aeropay's bank-linking and financial data product. One Aerosync connection returns account, balance, identity and transaction data for payments and risk decisions. Users link and verify a bank account in under 10 seconds with Aerosync, and Aerosync's gray-label flow reduces total onboarding time by 26%.

Question 2

How many banks does Aerosync connect to?

Accepted Answer

Aerosync connects to more than 12,000 US banks and credit unions. Wherever the bank supports it, customers log in directly with their bank and the bank issues a token, so no passwords are shared with Aeropay and no screen scraping is involved. Aeropay also helps define US open banking standards through its leadership within the Financial Data Exchange (FDX).

Question 3

Can Aerosync verify bank accounts without micro-deposits?

Accepted Answer

Yes. Users link and verify a bank account in under 10 seconds with Aerosync when a direct connection is available. Where it isn't, Aerosync's manual verification verifies accounts at 98% of US banks without micro-deposits, so customers can verify right away instead of waiting days for test deposits.

Question 4

What data does Aerosync provide for lenders?

Accepted Answer

Aerosync returns real-time balances, account ownership and identity details, and up to 24 months of transaction history, depending on the institution, including category-enriched transaction data. Deposit history shows whether a borrower is paid weekly, biweekly or monthly, and lenders can refresh a borrower’s balance on demand, usually without the borrower logging in. At some banks, identity data depends on the user agreeing to share it.

Question 5

What is the difference between Aeropay and Aerosync?

Accepted Answer

Aeropay is the company and its pay by bank network, and Aerosync is Aeropay's bank-linking and financial data product. Aerosync connects a customer's bank account and returns account, balance, identity and transaction data, and Aeropay's payments, payouts and Guard risk scoring all run on that connection.

Question 6

Does Aeropay offer white-label payment solutions?

Accepted Answer

Aeropay offers gray-label integrations rather than fully white-label ones, across every integration it provides. Merchants embed Aeropay’s bank linking and payment flows in their own branded experience, and Aeropay’s name stays visible to customers inside the flow. Aerosync’s gray-label flow reduces total onboarding time by 26%.

Question 7

Does Aeropay offer an API?

Accepted Answer

Yes. Aeropay's APIs cover bank linking through the Aerosync SDK, payments, refunds, payouts and webhooks for payment status. Developers can test a live integration in Aerosync's self-serve sandbox before talking to sales, and merchants can move existing bank connections to Aeropay by API so users keep their current links.

Question 8

Does Aeropay work with banks and Banking-as-a-Service platforms?

Accepted Answer

Yes. Banks and BaaS platforms can use Aerosync to link and verify customer bank accounts at more than 12,000 US banks and credit unions. Aeropay announced an integration with Jack Henry on June 2, 2026, to strengthen instant pay by bank infrastructure.

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