Aeropay

What is Aeropay?

Aeropay is an innovative digital payment solution that simplifies and secures bank-to-bank transactions for both consumers and businesses. It leverages advanced APIs and proprietary technology to offer real-time bank linking, instant payments, and guaranteed ACH settlements with significantly reduced fees compared to traditional card payments. Designed for seamless integration, Aeropay supports in-store, online, and payout use cases with strong fraud prevention and AI-driven risk management, providing a smooth, compliant, and efficient payment experience.

Key Features

• Real-Time Bank Linking

  Connects customers to over 12,000 banks instantly via Aerosync, Aeropay’s proprietary bank aggregator, enabling quick and secure account verification.

• Guaranteed ACH Payments

  Offers real-time access to funds with guaranteed ACH settlements, eliminating the risk of payment returns and reducing transaction failures.

• AI-Powered Risk and Fraud Engine

  Utilizes machine learning models trained on millions of transactions to optimize approval rates above 90% while minimizing fraud and payment declines.

• Flexible Integration Options

  Provides API-first solutions and easy-to-implement SDKs for embedding one-click checkout, QR code payments, and payment links across digital and physical channels.

• Instant Payouts

  Enables businesses to send real-time payments for rewards, withdrawals, and disbursements using secure, fast payment rails.

• Cost-Effective Processing

  Processes payments at up to 70% lower fees than card networks, with no monthly or setup fees, making it scalable for businesses of all sizes.

Use Cases

• Retail and E-commerce Payments : Facilitates seamless in-store and online payments with QR codes or embedded checkout, improving customer experience and reducing checkout friction.
• Gaming and Digital Wallet Funding : Allows gaming operators and digital platforms to accept instant bank deposits with high acceptance rates and reduced fraud risk.
• Instant Payouts and Rewards : Supports businesses in issuing real-time payouts for customer rewards, partner disbursements, and employee withdrawals efficiently.
• Subscription and Recurring Payments : Enables automated bank payments for subscription services, ensuring steady revenue flow with minimal payment failures.
• Regulated Industry Payments : Provides a compliance-driven, secure pay-by-bank solution ideal for industries with stringent regulatory requirements.

FAQs