Aeropay
Overview
Aeropay specializes in modern ACH payments and works with over 8,500 financial institutions nationwide. We help thousands of merchants effectively balance low processing costs with high approval rates, streamlined user onboarding, and optimal security.
For businesses and customers alike, Aeropay’s pay by bank offers an easy and efficient way to pay, built with industry-leading security and fraud prevention to ensure every transaction is protected.
This article will help you understand how modern ACH payments, like Aeropay, work.
Why pay by bank?
Pay by bank is a modern payment method that allows customers to pay directly from their bank accounts—no credit cards, no digital wallets. With Aeropay, these transactions are:
- Faster → Customers link their bank account in under 15 seconds
- Cheaper → Up to 70% lower fees than credit cards
- Smarter → Transparent, secure, and customizable
How it works
Encourage your customers to pay by bank with a one-time onboarding flow that fits right into your app or website. Once connected, funds are moved bank-to-bank, supported by Aeropay’s intelligent routing and 12,000+ direct bank connections.
- Step 1 – Bank linking
- Customers authenticate and connect their account using a branded, embedded interface powered by Aerosync, our in-house bank aggregator. The process takes just seconds—no sensitive info required.
- Step 2 – Payment authorization
- Our system performs real-time risk checks to confirm transaction legitimacy.
- Step 3 – Money movement
- Funds are transferred via the most optimal rail (ACH, RTP, or FedNow), automatically selected for speed and cost efficiency.
What are ACH payments
ACH payments are electronic funds transfers (EFT) from one bank account to another.
"ACH" stands for Automated Clearing House, a network operated by the National Automated Clearing House Association (NACHA). Businesses, third-party providers, banks, and credit unions send and receive electronic payments through this ACH network.