Aeropay
Aeropay was founded in 2017 and is headquartered in Chicago, Illinois, US. It operates in North America as an account-to-account payment network using ACH, RTP and FedNow, with more than 1 billion dollars in annualised volume and SOC 2 Type II certification.
Its positioning is pay-by-bank for US gaming and other regulated verticals, with named gaming clients PrizePicks, Kalshi and Fliff and distribution through Worldpay's gaming partnership.
For operators
For US gaming operators Aeropay provides open-banking style bank linking via Aerosync and bank transfer payments over ACH, RTP and FedNow, with a guaranteed-ACH tier that shifts return risk away from the operator. Real-time rails allow instant deposits and payouts where banks support them. Because Worldpay distributes Aeropay to its gaming merchants, operators already on Worldpay may be able to add it without a separate contract.
Integration
Aeropay publishes a REST v2 API, the Aerosync bank-linking SDK for Web, iOS, Android, React Native and Flutter, and a sandbox. Pricing is per transaction and on request, with a guaranteed-ACH tier available.
Licences & compliance
Aeropay lists SOC 2 Type II certification. Money transmitter licences or state gaming approvals are not itemised in our facts and should be confirmed per state.
- SOC 2 Type II
Pros
- ACH, RTP and FedNow with a guaranteed-ACH tier
- Named gaming clients and Worldpay distribution
- Multi-platform Aerosync SDK and sandbox
Cons
- North America only
- Pricing on request
- Licences beyond SOC 2 not itemised
Verdict
Aeropay suits regulated US gaming operators, including DFS, prediction and sweepstakes-style products, that want pay-by-bank with real-time rails and guaranteed ACH, especially those already processing with Worldpay. Operators outside the US need other providers.
Frequently asked questions
Which rails does Aeropay use?
ACH, RTP and FedNow.
Who are Aeropay's gaming clients?
Clients named in our facts include PrizePicks, Kalshi and Fliff.
What is guaranteed ACH?
A pricing tier in which Aeropay guarantees ACH payments so the operator is protected from returns.