Question 1

Is Aeropay a payment processor?

Accepted Answer

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.

Question 2

Is Aeropay a pay by bank provider?

Accepted Answer

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.

Question 3

Is Aeropay a good alternative to traditional payment processors?

Accepted Answer

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 can still take advantage of their credit card membership programs.

Question 4

Is Aeropay a good option for enterprise merchants?

Accepted Answer

Yes, for US and Canadian enterprises with high-value or high-frequency bank payments. Aeropay offers a gray-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.

Question 5

Does Aeropay integrate with existing payment processors?

Accepted Answer

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.

Question 6

What payment methods does Aeropay support?

Accepted Answer

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.

Question 7

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

Accepted Answer

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.

Question 8

Does Aeropay support Request for Payment (RfP)?

Accepted Answer

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.

Question 9

How does Aeropay's Guaranteed ACH work?

Accepted Answer

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.

Question 10

Does Aeropay support Same Day ACH payments?

Accepted Answer

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.

Question 11

Does Aeropay offer payment reconciliation and reporting?

Accepted Answer

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.

Question 12

Does Aeropay support account funding for trading and fintech apps?

Accepted Answer

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.

Question 13

Can payment platforms add Aeropay pay by bank for their merchants?

Accepted Answer

Yes. Payment platforms integrate Aeropay through its API to offer pay by bank alongside cards, and Aeropay works alongside card processors, including Worldpay. Existing bank connections can move to Aeropay by API so users keep their current links, and Aerosync's gray-label flow reduces total onboarding time by 26%.

Question 14

Does Aeropay support bank deposits for crypto exchanges?

Accepted Answer

Yes. US crypto exchanges can accept bank deposits and send withdrawals through one Aeropay integration. Users link their bank once through Aerosync, and Aeropay Guard scores each payment's fraud and return risk in real time before funds move. Withdrawals go over RTP or FedNow first and fall back to ACH when the user's bank can't receive a real-time payment.

Question 15

Can nonprofits accept donations by bank with Aeropay?

Accepted Answer

Yes. Nonprofits can accept one-time and recurring donations by bank through payment links and online checkout. Donors link and authorize their bank once, and Aeropay charges them no fees to pay. Pay by bank through Aeropay costs up to 50% less to process than cards.

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