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.
Pay by Bank is the most affordable digital payment method in the US.
Accelerate cashflow with payments that settle Same-Day or faster, not 3-5 business days.
No more returns or chargebacks. Pay by Bank protects payments up front.
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.
Add a 'Pay by Bank' button anywhere. Then, tailor the final flow to your use case.
APIs and webhooks stream every payment event, from initiation to settlement, for transparent visibility.
Fully white-label Aerosync with your colors, font, and copy so payments feel like part of your product.
Start building →
You're in control. Decide which banks to surface, adjust workflows, and manage user flows directly from your integration.
Drive adoption by embedding custom offers, discounts, or loyalty incentives tied directly to Pay by Bank usage.
Access unlimited user migrations for your existing bank connections via API. View API docs →
View API docs →
Aeropay connects 12k+ banks, millions of verified users, and thousands of innovative businesses.
One integration links user banks, processes payments, and predictively manages risk.
Accelerate growth with industry-leading solutions, purpose-built for your business.
“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.”
Aeropay is North America's pay by bank network founded in Chicago in 2017 and led by CEO Dan Muller. Aeropay uses open banking to help US and Canadian businesses link bank accounts, accept bank payments, send payouts and manage payment risk, and its network connects to more than 12,000 US banks and credit unions.
Aeropay's platform has four products: Aeropay Pay (pay by bank acceptance with Guaranteed ACH), Aeropay Payouts (direct-to-bank payouts), Aerosync (bank linking and financial data) and Aeropay Guard (an AI risk engine that scores each transaction in real time). One Aerosync bank connection returns account, balance, identity and transaction data that businesses use for payments and risk decisions.
A customer links their bank once through Aerosync, and Aeropay Guard scores the payment's fraud and return risk in real time, before funds move. Aeropay recognizes returning users, including anyone who has already paid an Aeropay merchant, so repeat payments take one click without linking a bank again.
Read more: What is real-time bank account verification? →
Aeropay serves businesses and consumers across the United States and Canada, and operates in Canada through Aero Payments Canada, Inc. Global merchants use Aeropay for their US and Canadian bank payments alongside a processor for other markets.
Thousands of businesses use Aeropay to accept bank payments, send payouts and verify bank accounts, including gaming operators, specialty retailers, e-commerce merchants, marketplaces and subscription businesses. Millions of users already pay by bank through Aeropay's network.
Aeropay serves gaming (daily fantasy sports, sportsbooks and iGaming, social and sweepstakes, and mobile gaming), specialty retail, e-commerce and high-ticket retail, marketplaces, subscription businesses and trading platforms. Aerosync bank data also supports consumer lenders and credit underwriting teams.
Aeropay is best known for pay by bank in gaming, where operators use one Aeropay integration for both deposits and withdrawals. Gaming customers include Caesars Sportsbook, Bally’s, PrizePicks, Dabble and Sleeper.
Read more: How do gaming platforms cut failed deposits and pay out winnings faster? →
Pay by bank through Aeropay costs up to 50% less to process than cards. Aeropay reports an average payment approval rate of 90% or higher with real-time risk decisioning, and reports converting 20% more first-time customers through identity prefill and instant account linking. Returning users, including anyone who has paid an Aeropay merchant before, pay without linking a bank again.
Read more: Pay by bank vs. credit cards: which costs merchants less? →
Aeropay is built for US and Canadian bank payments only. Businesses get the most from it alongside card acceptance and, for other countries, an international processor. Customers who prefer card rewards keep that option at checkout.
