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Risk score updated
Over 12,000 banks available
Live balance retrieval
Trusted user recognized

America's
pay by bank
network

Easily add and scale bank linking, pay by bank, instant payouts, and AI risk prevention.

Get started

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.

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Sync

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

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
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Payout

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
Guard

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
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</> Developers

Easy to ship.
Faster to scale.

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.

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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.

Drive growth with incentives and rewards

Drive adoption by embedding custom offers, discounts, or loyalty incentives tied directly to pay by bank usage.

Go farther, grow faster

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One intelligent network

Aeropay connects 12k+ banks, millions of verified users, and thousands of innovative businesses.

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All-in-one infrastructure

One integration links user banks, processes payments, and predictively manages risk.

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Designed to optimize your payments

Accelerate growth with industry-leading solutions, purpose-built for your business.

Trusted by leading companies

"Aeropay's suite of tools have allowed PrizePicks to greatly increase customer conversions."

Jay Deuskar
Co-Founder & CTO

"Daily Fantasy Sports is an around-the-clock passion, Aeropay helps ensure we are meeting these needs on a 24/7, 365 basis."

Tom Rundle
Chief Executive Officer

"Partnering with Aeropay gives Coverd users a seamless way to buy game tokens and live big."

Eric Xu
Founder

Join the network

Start building with America's leading pay by bank technology.