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Aeropay's Guaranteed ACH payments remove the risk of failed or returned transactions, without sacrificing approvals.
Once a user's financial account is linked for payment, Aeropay’s risk engine evaluates dozens of nuanced parameters to predict user balances, manages dispute patterns, and reduce the risk of failed or returned payments.
Users sign up and connect their bank in 15 seconds or less using a simple onboarding flow that doesn’t require personal financial information.
At the moment of payment, Aeropay automatically conducts checks to verify if sufficient funds are available.
Using machine learning and AI, real-time checks analyze user financial data such as transaction history, available funds, and historical spending patterns.
When funds are verified and risk meets an acceptable threshold, Aeropay guarantees the payment.
Access your funds within 60 seconds, regardless of ACH network's processing schedule.
Aeropay handles money movement and defaults to the fastest, most affordable rail.
Protect your revenue for higher profits.
Our industry-leading approval rates mean your business eliminates the highest possible risk, without blocking legitimate transactions.
Aeropay’s model handles over 50 return codes to avoid costly additional fees for any returned transactions.
Aeropay tracks users across multiple merchants — meaning customers entering a new platform bring robust financial data to more accurately predict returns.
80% reduction in fraudulent transactions
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Yes! Aeropay offers flexible integration options, including APIs and no-code tools, to seamlessly work with your current systems.
Guaranteed ACH is ideal for businesses that face high rates of payment returns or chargebacks, including:
Aeropay’s Guaranteed ACH achieves an industry-leading 95% approval rate by combining flexible criteria with robust risk assessment tools.
With Aeropay’s Guaranteed ACH, you gain access to funds within 60 seconds, regardless of when the ACH network completes its processing.
Aeropay uses advanced risk assessment models to verify available funds, analyze transaction patterns, and ensure payments are backed by sufficient user balances. Once approved, the payment is guaranteed, even if issues like insufficient funds arise later.
