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Automatically collect ACH payments for subscriptions, memberships, and billing — without sacrificing authorization rates or user experience.
Designed for simplicity, security, and speed — Aeropay’s proprietary technology saves your business money, while increasing acceptance rates.
Accept payments with a simple user experience backed by machine learning, real-time decisioning, and direct bank connections.
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.
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.
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.
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).
Insurance companies benefit from a recurring setup that reduces manual billing, avoids missed payments, and keeps customer coverage uninterrupted.
Recurring ACH payments are the best way to guarantee on-time rent collection.
Gyms, software platforms, and more benefit from durable financial information and guaranteed monthly payments.
80% reduction in fraudulent transactions
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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.
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.
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.
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.
Yes! Aeropay offers flexible integration options, including APIs and no-code tools, to seamlessly work with your current systems.
With Aeropay’s Guaranteed ACH, you gain access to funds within 60 seconds, regardless of when the ACH network completes its processing.
