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Compliant pay by bank payments

Alternative payments for alternative wellness

Accepting Aeropay helps retailers use payments to convert and retain more customers with a smart, officially compliant bank to bank solution.

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Users onboard in under 15s with no sensitive information needed
Bank account is linked from 12,000+ available banks
Funds are moved from bank to bank
How it works

Pay by bank for alternative wellness

Let your customers connect their bank account to pay.

ACH is a compliant, secure transfer of funds that links financial accounts in under 15 seconds for cashless, cardless payments.

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Make payments your advantage

Leverage the full scope of Aeropay’s technology for faster, safer, more affordable payments.

Accelerate transactions

Receive funds fast with same or next-day payments and same-day funding options for improved cash flow.

Reduce risk

Machine learning keeps returns low without blocking legitimate transactions.

12,000+ connected banks

Aeropay works to ensure your customers' banks are supported.

Increase revenue

On average, customers spend 25% more with Aeropay. Delight shoppers with a secure, cashless payment experience.

Stay compliant

Aeropay's dedicated compliance team works to keep you compliant.

Modernize your checkout

Add Aeropay wherever your customers shop. After their first sign up, payments are completed in a single click — boosting returning online orders 37% on average.

Customize your payments experience

Add Aeropay at checkout, however your customers shop.

In-store

Customers simply scan a QR code at checkout to pay with their bank account. Or, generate a payment link and share directly to your customers via email or text message.

Delivery

Enable integrated online payments for delivery orders. It’s the same familiar sign up and payment flow — with capabilities for POS/driver routing integration, driver tipping, and more.

Online pre-payments

Aeropay’s online pre-payment feature lets customers submit a payment online that’s finalized once they receive their order. Enable authorized payments in advance to easily adjust or cancel orders.

Omnichannel solutions

Boost online orders and drive foot traffic with integrated payment solutions that enhance customer satisfaction and unify the shopping experience across channels.

Features that give you control

Tipping functionality: Enable customers to easily add tips at checkout.
Tracking: Monitor payments made to your business in real-time.
Oversight: Filter payments to view, adjust, void or refund transactions.
Subscriptions: Offer custom subscriptions for recurring revenue.
Locations: Add multiple locations, and send out location-specific payment links.
Process refunds: Filter payments to view, adjust, void or refund transactions.

Trusted by millions of wellness consumers nationwide

Satisfy demand for cash-free payments, without sacrificing compliance.

No hidden fees
No sensitive information required for payment
Existing Aeropay users pay in seconds
No Need for Cards or Cash

This is the most convenient thing ever. I use Aeropay all the time.

Sam
     
Customer

My girlfriend has Aeropay, she loves you guys.

Kevin
     
Customer

It’s actually really easy to use because you can use it for online and in store.

Rico
     
Customer

You guys make too easy, It’s so painless.

Johnathan
     
Customer

Easy sign up, great process.

Robert
     
Customer

Excellent product, thank you for what you do.

Kathy
     
Customer

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FAQs

Is Aeropay HIPAA compliant?

Aeropay is exempt from being required to be HIPAA compliant under the HIPAA Privacy Rule. Assuming the relationship operates as a relatively standard payment processing relationship, Aeropay’s engagements would be considered HIPAA compliant by default.  Notably, Aeropay's Compliance Officer has previously served as a HIPAA Privacy Officer; in his estimation, achieving Soc II Type II compliance meets the core HIPAA requirements that could be seen as relevant to a payment processor.

Is Aeropay PCI Compliant?

Aeropay is exempt from PCI Compliance as it does not offer any card processing. Nevertheless, it’s important to note that Aeropay employs strong information security practices, as shown by its continuing Soc II Type II compliance.

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.

What types of businesses benefit from Guaranteed ACH?

Guaranteed ACH is ideal for businesses that face high rates of payment returns or chargebacks, including:

  • Subscription services
  • Rent and property management
  • Online gaming and daily fantasy sports
  • E-commerce platforms

What’s the approval rate for Aeropay’s Guaranteed ACH?

Aeropay’s Guaranteed ACH achieves an industry-leading 95% approval rate by combining flexible criteria with robust risk assessment tools.

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.

How does Aeropay guarantee payments?

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.

What are the benefits of offering instant payouts?

Your business will see clear improvements including: 

  • Faster access to funds for recipients
  • Improved customer satisfaction
  • Reduced administrative workload with automated processes
  • Competitive edge in industries where fast payments are valued (e.g., gig economy, online gaming, or e-commerce refunds)
Are instant payouts secure?

Aeropay's platform is built with a strong focus on security and transparency for our merchants and users. Aeropay’s security methods meet and often exceed industry standards, with risk reduction measures built into every layer. We use industry-leading methods including bank-level encryption, biometric authentication, sophisticated application programming interface (API), secure cloud infrastructure, tokenization and 24/7 monitoring to protect our users’ data.

How is Aerosync different from other bank linking technology?

When it comes to the standards needed to guarantee consistent, positive bank linking experiences for users and merchants, existing bank connection platforms fall short. We built Aerosync in-house because all other aggregators fell short with high returns, out-of-touch widgets that lacked options for customization, and steep pricing that makes it difficult to scale.

Instead, Aerosync establishes instant connections to banks wherever possible. When direct connections can't be established, we work with core data providers to deliver the most accurate, up-to-date information. This means faster connections, better user experiences, and higher conversion rates.

Backed by thousands of hours of user experience research from our payment platform and through leading the UX research team at the Financial Data Exchange (FDX), we ensure your users feel safe and secure throughout the bank linking process.

What banks does Aerosync support?

Aerosync supports over 12,000 banks and financial institutions ranging from the largest, most well-known operators like JP Morgan Chase, Bank of America, Wells Fargo, etc. to small local credit unions.

Why do I need bank linking? What are the benefits?

Secure, instant bank connections help virtually every business, from large enterprises to startups, enhance the flow of user data. With Aerosync, you're able to onboard new users safely and efficiently, often under 15 seconds, without asking for any sensitive financial information. The technology ensures a direct connection with every user or customer to for improvements like: 

  • Better, faster payments with high approval rates. Establish longstanding bank connections that move funds quickly and affordably over ACH or real-time rails.
  • Increased conversion rates. Leverage a fast, branded onboarding experience that converts 25% more new users, while enabling 1-click payments for existing customers.
  • Increased visibility. Get the full financial picture for every user on your platform. Use that visibility for real-time balance checks, fraud reduction, and durable payment details.

  • Is Aerosync secure?

    Aerosync is used by millions of consumers and thousands of businesses across the U.S. to safely link banks for payment. Aerosync's security methods meet and often exceed industry standards, with risk reduction measures built into every layer. We use industry-leading methods including bank-level encryption, multi factor & biometric authentication, sophisticated APIs, secure cloud infrastructure, tokenization and 24/7 monitoring to ensure the highest security and compliance.

    How does Aerosync work?

    Aerosync uses open banking APIs to connect directly with over 12,000 financial institutions across the United States. Consumers select their bank, securely log in, and link their account in under 15 seconds. After this initial authentication, money moves directly from the consumer’s bank account to the merchant’s account in a single click.

    What is Aerosync Bank Linking?

    Aerosync is a secure bank account aggregation solution for linking a consumer's financial account. This proprietary technology is easily customized to fit seamlessly with your brand's design and colorway. Businesses use Aerosync to simplify payments by eliminating the need for third-party tools, enhancing user experience, and improving payment success rates.

    What’s different about Aeropay’s user onboarding process?

    Aeropay doesn’t require customer account numbers or routing numbers. Instead, onboard customers with a branded, embedded bank login flow that takes less than 15 seconds for first-time users.