Aeropay
Next-generation pay-by-bank platform enabling fast, secure, and low-cost digital payments directly from bank accounts.
Product Overview
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
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