Recurring payments that save you money

A platform with recurring benefits

Designed for simplicity, security, and speed — Aeropay’s proprietary technology saves your business money, while increasing acceptance rates.

Lower processing costs

Modern ACH payments save you up to 50% on the total cost of accepting, managing, and reconciling payments.

Improve conversion

New customers sign up and link their bank in under 15s with a simple interface that’s as easy and secure as logging into online banking.

Minimize failed payments

Our advanced model collects 95% of payments on the first try, with smart retries to recover the rest.

Reduce churn

On average, linked checking accounts stay active 14 years longer than cards.

Guarantee revenue

Rest easy with guaranteed payments that won’t be returned. Access your funds in real-time and cut out failed payments.

Prevent fraud in real time

In-house risk and return ML models plus a dedicated risk and operations team partner with you to resolve issues and prevent fraud.

How it works

Recurring ACH payments, built for your modern business

Accept payments with a simple user experience backed by machine learning, real-time decisioning, and direct bank connections.

1. Bank authentication

Before a recurring ACH transaction is initiated, the customer’s bank account must be authenticated and “linked” to verify its ability to send funds.

Boost conversion rates 25% with passwordless authentication that verifies a user’s identity using secure information like facial recognition, fingerprint scans, or one-time passcodes sent to their mobile device.

2. Consent and scheduling

Next, the account holder must consent to automatic withdrawals from their bank account. This includes agreement to the total payment amount and scheduled intervals for ACH credits from their account.

3. Transaction initiation

On the scheduled payment date, the payee’s bank initiates the fund transfer through the ACH network. The bank sends a request to the payer’s bank for the specified amount of money. Before the payment is approved, the processor performs real-time fraud and risk detection checks to ensure sufficient bank account balance. This prevents returned payments due to insufficient funds or bad account information.

4. Money movement and settlement

Once approved, funds are deducted from the customer’s bank account and transferred to the merchant’s account via the ACH network. Unlike wire transfers, ACH payments are processed in batches, typically within 1 to 3 days, depending on the processing window (first same day ACH, second same day ACH, third same day ACH, or next day ACH).

Add recurring bank payments for:

Insurance premiums

Insurance companies benefit from a recurring setup that reduces manual billing, avoids missed payments, and keeps customer coverage uninterrupted.

Rent payments

Recurring ACH payments are the best way to guarantee on-time rent collection.

Memberships

Gyms, software platforms, and more benefit from durable financial information and guaranteed monthly payments.

“We aim to exclusively use Aeropay for adding bank accounts, minimizing our administrative headaches.”

Anthony Cugnetto, Head of Product

80% reduction in fraudulent transactions

Read about Dabble

Ready to accept recurring ACH payments?

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FAQs

What types of businesses can use recurring ACH payments?

Recurring ACH payments are perfect for subscription businesses, utility companies, streaming services, gyms, and e-commerce platforms offering subscription boxes or payment plans. Your business benefits from lower transaction costs, durable customer financial details, and guaranteed revenue.

How can I set up recurring payment processing at my business?

Aeropay offers flexible integration options to onboard and set up recurring payments. You can choose to embed a payment gateway to your site with our API, customize an out-of-the-box SDK or easily send requests for payment by link.

How do recurring ACH payments work?

Aeropay's Recurring ACH Payments connect customer bank account for automatic payments. Once authenticated, payments are withdrawn directly from the customer’s account based on the agreed billing cycle, reducing the need for manual invoicing or card processing.

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What are recurring payments?

Recurring payments are automatic payments scheduled at regular intervals, such as weekly, monthly, or annually. These are commonly used for gym memberships, subscription boxes, SaaS platforms, and utility bills.

Does Aeropay’s system integrate with my existing workflows?

Yes! Aeropay offers flexible integration options, including APIs and no-code tools, to seamlessly work with your current systems.

How fast can I access my funds?

With Aeropay’s Guaranteed ACH, you gain access to funds within 60 seconds, regardless of when the ACH network completes its processing.

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Collect recurring payments from customer banks