Aeropay | America's pay by bank network
The bank-connected layer for intelligent underwriting
Move money for less, catch risk before it costs you, and access real-time financial data — all powered by North America’s pay by bank network.
The modern standard for bank payments
Aeropay outperforms cards, cash, and checks with pay by bank that's built to scale. ACH isn't new, but our technology makes it practical and successful for US businesses.
50% lower processing cost
Pay by bank is the most affordable digital payment method in the US.
Lightning fast settlement
Accelerate cashflow with payments that settle Same-Day or faster, not 3-5 business days.
Built-in risk prevention
No more returns or chargebacks. Pay by bank protects payments up front.
Effortless bank connectivity
Aerosync is the fastest and most trusted way for users to connect their bank account to your business.
12k+ available banks
15 second first-time onboarding
20% higher first-time conversion
Pay by bank, perfected
Improve your margins and drive revenue with America's most affordable payment method.
50% cost savings vs. cards
Industry leading 90% approval rate
100% guaranteed ACH deposits
Always-on instant payouts
Offer the instant gratification of real time payouts to any customer bank, at any time.
Flexible routing and Same Day fallback
Same easy flow (and API) as pay-ins
24/7/365 real time settlement
Guaranteed protection with AI
Prevent risk and fraud with specialized AI models that are continuously trained across Aeropay’s network.
AI models are tuned to your use case
Customizable guardrails add layered protection
Reputation-based routing reduces friction for trusted users
Easy Integration
Aeropay makes it easy for you to control the integration and user experience. Optimize with our team to ensure compliance, security, and success are built in.
Customizable checkout
Add a 'Pay by bank' button anywhere. Then, tailor the final flow to your use case.
Full visibility in real time
APIs and webhooks stream every payment event, from initiation to settlement, for transparent visibility.
Branded bank linking experience
Fully white-label Aerosync with your colors, font, and copy so payments feel like part of your product.
Configurable controls
You're in control. Decide which banks to surface, adjust workflows, and manage user flows directly from your integration.
Incentives and rewards
Drive adoption by embedding custom offers, discounts, or loyalty incentives tied directly to pay by bank usage.
Bring your users with you
Access unlimited user migrations for your existing bank connections via API. View API docs
Go farther, grow faster
One intelligent network
Aeropay connects 12k+ banks, millions of verified users, and thousands of innovative businesses.
All-in-one infrastructure
One integration links user banks, processes payments, and predictively manages risk.
Designed to optimize your payments
Accelerate growth with industry-leading solutions, purpose-built for your business.
Customer stories
“We love Aerosync. Its suite of tools have allowed PrizePicks to greatly increase customer conversions while simultaneously lowering costs on ACH returns and bad data.”
Jay Deuskar
Co-Founder & Chief Technology Officer at Prizepicks
Join the network
Start building with America's leading pay by bank technology.