Win stickier customers and earn more per payment

Build a seamless pay by bank experience that reduces processing costs and retains shoppers.

How it works

Powerful for businesses, simple for customers

Customers select ‘Pay by bank’ at checkout, link their bank with online credentials, and complete payment in less than 5 seconds.

1-click payments

50% cost savings vs. cards

99% financial institution coverage

Payments to meet your revenue goals

Pay by bank reduces processing costs, increases approvals, and captures the most first-time payments.

Reduce total processing costs

Same-Day ACH is up to 50% more affordable than card networks. Improve your margins and deploy cost savings into rewards for customer acquisition.

Avoid returned transactions

Bypassing cards means no chargebacks. Aeropay’s ACH guarantee adds protection from over 50 return types, including insufficient funds.

Increase repeat purchases

Once a customer bank is linked, enable one-click payments on all future purchases to reduce friction and drive more repeat sales.

Approve the most good payments

Our advanced AI risk models are designed to predict returns at checkout. Accept up to 95% of payments on the first try, with smart retries to recover the rest.

Join America's pay by bank network

With Aeropay, you get access to millions of existing accounts. It's a checkout experience that keeps getting faster.

Millions of pre-verified accounts

More users join our network every day, cutting onboarding time down to seconds.

Instant recognition on return

After signup, new customers are auto-recognized for all future transactions on your site.

Frictionless re-entry

Face ID, Touch ID, and Passkeys authenticate customers and keep them in flow when on return.

Add pay by bank for:

Use Aeropay to optimize payments across every e-commerce use case.

High-value purchases

Capture more revenue with higher spending limits than card networks. Use real-time verification and balance checks to predict risk and accept more payments.

High-volume purchases

Compared to cards, Aeropay's per transaction fees are much lower. The more transactions you process, the more you save.

Recurring payments

Keep subscriptions and repeat purchases running smoothly with automated ACH billing. Real-time balance checks cut failed payments and reduce churn.

Instant refunds

Delight customers with instant, hassle-free refunds. Real-time bank transfers improve trust and reduce service costs compared to slow, card-based reversals.

Explore the full product suite

Sync

Connect any bank account in seconds.

Pay

Accept modernized bank payments.

Payout

Deliver instant bank payouts, 24/7/365.

Guard

Protect revenue & reputation with AI.

Ready to add pay by bank?

Talk to our team to start building smarter, more successful e-commerce payments.

FAQs

What types of e-commerce businesses benefit from Aeropay?

Aeropay is ideal for businesses processing high transaction volumes, offering subscriptions, or selling high-value products. Marketplaces, DTC brands, and specialty retailers all benefit from lower costs, higher approval rates, instant refunds, and frictionless repeat payments.

How does Aeropay protect e-commerce businesses from chargebacks and returns?

Aeropay bypasses card networks entirely, eliminating traditional chargebacks. Payments are guaranteed against over 50 ACH return codes, including insufficient funds. This protection reduces operational headaches and ensures merchants capture more good revenue without constant disputes.

Does Aeropay support recurring e-commerce payments?

Yes. Aeropay provides durable bank connections for subscriptions and repeat purchases. Automated ACH billing verifies balances in real time to prevent failed renewals.

How much can e-commerce businesses save using Aeropay instead of cards?

Card networks often charge 3–5% plus hidden fees. Aeropay's pay by bank solution reduces these costs by up to 50%. For high-volume merchants, these savings add up quickly and can be reinvested in rewards, customer acquisition, or improved margins.

How does Aeropay improve checkout conversion rates for e-commerce?

Cart abandonment is a constant struggle in e-commerce. Aeropay reduces drop-off with a branded onboarding flow that users recognize and trust.

Why should e-commerce businesses add pay by bank as a checkout option?

Adding pay by bank reduces payment processing costs by up to 50%, avoids chargebacks, and improves payment approvals.