Aeropay

What is Aeropay?

Aeropay is a pay-by-bank network that lets businesses in the United States and Canada link customer bank accounts, process payments, send payouts, and manage transaction risk. It connects to more than 12,000 US banks and credit unions through its Aerosync integration. Aeropay is built for US and Canadian bank payments only; businesses operating globally need an international processor alongside it.

What are the features of Aeropay?

• Bank linking (Aerosync)

  Connects users to over 12,000 banks, returning account, balance, identity, and transaction data through a single API connection.
• Pay by bank processing

  Accepts ACH deposits with guaranteed settlement, Same Day ACH, and Request for Payment at supported banks.
• Instant payouts

  Disburses funds directly to customer bank accounts over RTP and FedNow rails 24/7, with ACH fallback when real-time receipt is unavailable.
• AI risk scoring (Aeropay Guard)

  Evaluates fraud and return risk in real time before funds move, using customizable guardrails and reputation-based routing.
• White-label checkout

  Embeds a branded bank payment button with configurable workflows, selectable banks, and embedded incentives.
• Developer sandbox

  Provides documentation, API references, and a live testing environment for integrating the Aerosync bank-linking flow.

What are the use cases of Aeropay?

• Gaming withdrawals

  Daily fantasy sports operators use instant payouts to transfer winnings directly to player bank accounts without fees.
• Consumer lending underwriting

  Lenders access real-time balance and transaction data via Aerosync to inform credit decisions.
• Subscription billing

  Recurring revenue businesses capture repeat payments from returning users who previously linked a bank on the Aeropay network.

How to use Aeropay?

1. Link a bank account

   A customer connects their bank once through Aerosync, which returns account, balance, identity, and transaction data.
2. Score the transaction

   Aeropay Guard evaluates the payment's fraud and return risk in real time before funds move.
3. Process or disburse

   The business initiates a pay-in or payout, with returning network users able to complete repeat transactions in one click.