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.
Aerosync is the fastest and most trusted way for users to connect their bank account to your business.
Improve your margins and drive revenue with America's most affordable payment method.
Offer the instant gratification of real time payouts to any customer bank, at any time.
Prevent risk and fraud with specialized AI models that are continuously trained across Aeropay’s network.
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.
All of the staff at Aeropay have been super responsive and friendly. The whole team at Dabble has noted how easy Aeropay has been through the whole onboarding and integration phase. Being able to offer instant payouts is a game changer for our customers.
This is super easy to use – it took about a minute to link my bank account and add money to my PrizePicks account. I’ve been trying to avoid using credit cards for budgeting purposes, so it’s nice to be able to just pay with my bank account directly.
I love Aeropay’s pricing because it fits well for an early-stage company like ours. Their support team is just incredible, and I can’t say enough good things about them. The product is world-class and works really well.
I was a little concerned about how smooth purchasing things in another country with my debit card would be. Aeropay makes it fast and secure. It felt almost like home, there was never an issue and the transactions were rapid.
Impressed with Aeropay, first time there’s a no-fee payment option so I’m not making trips to the bank for cash all the time or paying ATM fees. Never had it let me down and feels like it was designed really intentionally. Big fan.
There are no fees, it’s fast and efficient. Nothing I can think of to dislike. It has worked great!
Aeropay is very reliable and I’ve never had a problem with them from day one, and customer service is A1.
Was having an issue connecting my bank, but when I reached out to customer support they got back to me right away. We fixed the problem and I was able to make my purchase, all within my lunch break. Shout out to their support team for the quick turnaround.
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, Same Day ACH and Request for Payment (RfP) at supported banks), Aeropay Payouts (direct-to-bank payouts over RTP and FedNow, with ACH fallback when the recipient’s bank can’t receive a real-time payment), 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.
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 want to use their credit card membership programs can still pay by card at checkout.
