Aeropay

Aeropay is a Chicago-based fintech operating a pay-by-bank network that moves money directly between consumer bank accounts and merchants over ACH, Request for Payment (RfP) and RTP rails, without cards. The product suite is Aerosync (branded bank linking and account connectivity), Pay (merchant acceptance of bank payments), Payout (real-time merchant-to-consumer credits) and Guard (risk decisioning and fraud prevention). Integrators use the Aeropay v2 REST API — a 32-operation OpenAPI 3.0.0 contract covering token issuance, user creation and MFA confirmation, bank linking through an aggregator widget, standard, preauthorized, payout and reversal transactions, transaction search, payment links, webhook subscriptions, reporting and merchant reputation — alongside first-party Aerosync bank-linking SDKs for web, React Native, Android, iOS and Flutter. Aeropay publishes a documentation llms.txt, a remote MCP server for the API reference, a nine-topic webhook catalog, a 91-entry error glossary, a NACHA ACH return-code glossary and a substantial sandbox exception-scenario harness. It is SOC 2 compliant and audits its ACH operations annually against NACHA standards.

Aeropay publishes 9 APIs on the APIs.io network, including Authentication API, Bank Connection API, Create & Manage Transactions API, and 6 more. Tagged areas include Payments, Pay by Bank, ACH, Open Banking, and Fintech.

The Aeropay catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Aeropay’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, signup flow, pricing, and 36 more developer resources.

🌐 Visit website 📡 Source on GitHub

47.6/100 developing ▬ flat Agent 42/100 agent native Front door AI 3/6 light Full breakdown ↓
scored 2026-09-25 · rubric v0.23.0

2 APIs 2 MCP Servers

Payments Pay by Bank ACH Open Banking FintechBank linkingFinancial Services Real-Time Payments Webhook Payouts MCP Risk & fraud

Kin Score

Kin Score How this is scored →
scored 2026-09-25 · rubric v0.23.0

Composite quality — 47.6/100 · developing

Contract Quality 10.2 / 19

Developer Ergonomics 8.8 / 15

Access Clarity 7.1 / 15

Operational Transparency 1.8 / 10

Contract Governance 1.6 / 9

Discoverability 5.6 / 8

Regulatory Posture 4.5 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 42/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 6 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/aeropay: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 9

Individual APIs this provider publishes, each with its own machine-readable definition.

Aeropay Webhooks

Outbound HTTPS webhook deliveries covering nine topics across the ACH, RfP and RTP rails — transaction_completed, transaction_voided, transaction_refunded, transaction_declined,...

Aeropay API MCP Server

A remote Model Context Protocol server hosted by Aeropay at https://dev.aero.inc/mcp, documented for Cursor, Windsurf and Claude Desktop. Anonymous tools/list returns four spec-...

Aeropay Authentication API

The Authentication API from Aeropay — 1 operation(s) for authentication.

Aeropay Bank Connection API

The Bank Connection API from Aeropay — 4 operation(s) for bank connection.

Aeropay Create & Manage Transactions API

The Create & Manage Transactions API from Aeropay — 12 operation(s) for create & manage transactions.

Aeropay Merchant Management API

The Merchant Management API from Aeropay — 2 operation(s) for merchant management.

Aeropay Reports API

The Reports API from Aeropay — 3 operation(s) for reports.

Aeropay User Management API

The User Management API from Aeropay — 2 operation(s) for user management.

Aeropay Webhooks API

The Webhooks API from Aeropay — 2 operation(s) for webhooks.

Scroll for all 9

MCP Servers 2

Model Context Protocol servers that expose these APIs to AI agents.

Aeropay MCP Server

MCP SERVER

Aeropay MCP Server

MCP SERVER

Pricing Plans 1

Published pricing tiers and plan structures.

Aeropay Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Aeropay Rate Limits

0 limits

RATE LIMITS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Aeropay Webhooks

Aeropay delivers transaction and user lifecycle events to a merchant-registered callback URL over HTTPS POST. A subscription is created with POST /v2/webhook by naming a topic a...

ASYNCAPI

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Aeropay Authentication

http-bearer/credentials-exchange · 2 schemes

SECURITY

Aeropay Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Aeropay Trust Center

SOC 2, Nacha ACH Operating Rules

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

SignUp

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

MCPServer

AgentSkill

LLMsTxt

LLMsTxt

LLMsTxt

Design & Contract 9

Pagination, idempotency, versioning, errors, and events

Conformance

Conventions

Idempotency

ErrorCatalog

ErrorCodes

DataModel

Lifecycle

Components

Webhooks

Scroll for all 9

Build 6

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

DeclineCodes

Packages

SDKs

SDKs

ToolCrosswalk

Access & Security 5

Authentication, authorization, and security posture

TrustCenter

Trust

Compliance

DomainSecurity

Authentication

Operate 5

Status, limits, changes, and where to get help

Support

HelpCenter

ChangeLog

ChangeLog

RateLimits

Commercial 4

Pricing, plans, and the legal terms of use

Pricing

TermsOfService

PrivacyPolicy

Plans

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: aeropay
name: Aeropay
description: Aeropay is a Chicago-based fintech operating a pay-by-bank network that moves money directly between consumer
  bank accounts and merchants over ACH, Request for Payment (RfP) and RTP rails, without cards. The product suite is Aerosync
  (branded bank linking and account connectivity), Pay (merchant acceptance of bank payments), Payout (real-time merchant-to-consumer
  credits) and Guard (risk decisioning and fraud prevention). Integrators use the Aeropay v2 REST API — a 32-operation OpenAPI
  3.0.0 contract covering token issuance, user creation and MFA confirmation, bank linking through an aggregator widget, standard,
  preauthorized, payout and reversal transactions, transaction search, payment links, webhook subscriptions, reporting and
  merchant reputation — alongside first-party Aerosync bank-linking SDKs for web, React Native, Android, iOS and Flutter.
  Aeropay publishes a documentation llms.txt, a remote MCP server for the API reference, a nine-topic webhook catalog, a 91-entry
  error glossary, a NACHA ACH return-code glossary and a substantial sandbox exception-scenario harness. It is SOC 2 compliant
  and audits its ACH operations annually against NACHA standards.
image: https://cdn.prod.website-files.com/6883a0f9156861b50901e79e/68d3ffdc98b692fcb2df6fa4_Aeropay-256xv2.png
url: https://raw.githubusercontent.com/api-evangelist/aeropay/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-09-10'
modified: '2026-09-10'
position: Producing
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-09-17
tags:
- Payments
- Pay by Bank
- ACH
- Open Banking
- Fintech
- Bank linking
- Financial Services
- Real-Time Payments
- Webhook
- Payouts
- MCP
- Risk & fraud
tags_raw:
- Payments
- Pay by bank
- ACH
- Open banking
- Fintech
- Bank linking
- Financial services
- Real-time payments
- Webhooks
- Payouts
- MCP
- Risk & fraud
- Financial-Services
apis:
- aid: aeropay:aeropay-webhooks
  name: Aeropay Webhooks
  description: Outbound HTTPS webhook deliveries covering nine topics across the ACH, RfP and RTP rails — transaction_completed,
    transaction_voided, transaction_refunded, transaction_declined, transaction_resolved, preauthorized_transaction_created,
    user_suspended, user_active and merchant_reputation_updated. Subscriptions are created with POST /v2/webhook; payloads
    carry payloadVersion 2.0. Aeropay retries up to five times with exponential backoff and jitter when a callback fails to
    answer 200 within 3000ms. Aeropay publishes no AsyncAPI document; the catalog below is derived from its webhook documentation.
  humanURL: https://dev.aero.inc/docs/webhooks-1
  baseURL: https://api.aeropay.com/v2
  tags:
  - Webhook
  - Payments
  - ACH
  properties:
  - type: Webhooks
    url: asyncapi/aeropay-webhooks-asyncapi.yml
  - type: Documentation
    url: https://dev.aero.inc/docs/webhooks-1
  - type: Documentation
    url: https://dev.aero.inc/docs/webhook-security
- aid: aeropay:aeropay-mcp
  name: Aeropay API MCP Server
  description: A remote Model Context Protocol server hosted by Aeropay at https://dev.aero.inc/mcp, documented for Cursor,
    Windsurf and Claude Desktop. Anonymous tools/list returns four spec-driven tools — list-endpoints, get-endpoint, search-endpoints
    and execute-request — that read the Aeropay v2 OpenAPI and can execute a live API request from a HAR request object when
    the caller supplies their own Aeropay credentials.
  humanURL: https://dev.aero.inc/docs/mcp
  baseURL: https://dev.aero.inc/mcp
  tags:
  - MCP
  - Payments
  properties:
  - type: MCPServer
    url: mcp/aeropay-mcp.yml
  - type: MCPServer
    url: https://dev.aero.inc/mcp
  - type: ToolCrosswalk
    url: mcp/aeropay-tool-crosswalk.yml
  - type: Documentation
    url: https://dev.aero.inc/docs/mcp
- aid: aeropay:aeropay-authentication-api
  name: Aeropay Authentication API
  description: The Authentication API from Aeropay — 1 operation(s) for authentication.
  humanURL: https://dev.aero.inc/docs/getting-started
  baseURL: https://api.aeropay.com/v2
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/aeropay-authentication-api-openapi.yml
  - type: Documentation
    url: https://dev.aero.inc/docs/getting-started
  - type: APIReference
    url: https://dev.aero.inc/reference/post_v2-token
  - type: GettingStarted
    url: https://dev.aero.inc/docs/api-quick-start
  - type: Authentication
    url: authentication/aeropay-authentication.yml
  - type: Conventions
    url: conventions/aeropay-conventions.yml
  - type: Idempotency
    url: conventions/aeropay-conventions.yml
  - type: ErrorCatalog
    url: errors/aeropay-problem-types.yml
  - type: DataModel
    url: data-model/aeropay-data-model.yml
  - type: RateLimits
    url: rate-limits/aeropay-rate-limits.yml
  - type: Sandbox
    url: sandbox/aeropay-sandbox.yml
- aid: aeropay:aeropay-bank-connection-api
  name: Aeropay Bank Connection API
  description: The Bank Connection API from Aeropay — 4 operation(s) for bank connection.
  humanURL: https://dev.aero.inc/docs/getting-started
  baseURL: https://api.aeropay.com/v2
  tags:
  - Bank Connection
  properties:
  - type: OpenAPI
    url: openapi/aeropay-bank-connection-api-openapi.yml
  - type: Documentation
    url: https://dev.aero.inc/docs/getting-started
  - type: APIReference
    url: https://dev.aero.inc/reference/post_v2-token
  - type: GettingStarted
    url: https://dev.aero.inc/docs/api-quick-start
  - type: Authentication
    url: authentication/aeropay-authentication.yml
  - type: Conventions
    url: conventions/aeropay-conventions.yml
  - type: Idempotency
    url: conventions/aeropay-conventions.yml
  - type: ErrorCatalog
    url: errors/aeropay-problem-types.yml
  - type: DataModel
    url: data-model/aeropay-data-model.yml
  - type: RateLimits
    url: rate-limits/aeropay-rate-limits.yml
  - type: Sandbox
    url: sandbox/aeropay-sandbox.yml
- aid: aeropay:aeropay-create-manage-transactions-api
  name: Aeropay Create & Manage Transactions API
  description: The Create & Manage Transactions API from Aeropay — 12 operation(s) for create & manage transactions.
  humanURL: https://dev.aero.inc/docs/getting-started
  baseURL: https://api.aeropay.com/v2
  tags:
  - Create & Manage Transactions
  properties:
  - type: OpenAPI
    url: openapi/aeropay-create-manage-transactions-api-openapi.yml
  - type: Documentation
    url: https://dev.aero.inc/docs/getting-started
  - type: APIReference
    url: https://dev.aero.inc/reference/post_v2-token
  - type: GettingStarted
    url: https://dev.aero.inc/docs/api-quick-start
  - type: Authentication
    url: authentication/aeropay-authentication.yml
  - type: Conventions
    url: conventions/aeropay-conventions.yml
  - type: Idempotency
    url: conventions/aeropay-conventions.yml
  - type: ErrorCatalog
    url: errors/aeropay-problem-types.yml
  - type: DataModel
    url: data-model/aeropay-data-model.yml
  - type: RateLimits
    url: rate-limits/aeropay-rate-limits.yml
  - type: Sandbox
    url: sandbox/aeropay-sandbox.yml
- aid: aeropay:aeropay-merchant-management-api
  name: Aeropay Merchant Management API
  description: The Merchant Management API from Aeropay — 2 operation(s) for merchant management.
  humanURL: https://dev.aero.inc/docs/getting-started
  baseURL: https://api.aeropay.com/v2
  tags:
  - Merchant Management
  properties:
  - type: OpenAPI
    url: openapi/aeropay-merchant-management-api-openapi.yml
  - type: Documentation
    url: https://dev.aero.inc/docs/getting-started
  - type: APIReference
    url: https://dev.aero.inc/reference/post_v2-token
  - type: GettingStarted
    url: https://dev.aero.inc/docs/api-quick-start
  - type: Authentication
    url: authentication/aeropay-authentication.yml
  - type: Conventions
    url: conventions/aeropay-conventions.yml
  - type: Idempotency
    url: conventions/aeropay-conventions.yml
  - type: ErrorCatalog
    url: errors/aeropay-problem-types.yml
  - type: DataModel
    url: data-model/aeropay-data-model.yml
  - type: RateLimits
    url: rate-limits/aeropay-rate-limits.yml
  - type: Sandbox
    url: sandbox/aeropay-sandbox.yml
- aid: aeropay:aeropay-reports-api
  name: Aeropay Reports API
  description: The Reports API from Aeropay — 3 operation(s) for reports.
  humanURL: https://dev.aero.inc/docs/getting-started
  baseURL: https://api.aeropay.com/v2
  tags:
  - Reports
  properties:
  - type: OpenAPI
    url: openapi/aeropay-reports-api-openapi.yml
  - type: Documentation
    url: https://dev.aero.inc/docs/getting-started
  - type: APIReference
    url: https://dev.aero.inc/reference/post_v2-token
  - type: GettingStarted
    url: https://dev.aero.inc/docs/api-quick-start
  - type: Authentication
    url: authentication/aeropay-authentication.yml
  - type: Conventions
    url: conventions/aeropay-conventions.yml
  - type: Idempotency
    url: conventions/aeropay-conventions.yml
  - type: ErrorCatalog
    url: errors/aeropay-problem-types.yml
  - type: DataModel
    url: data-model/aeropay-data-model.yml
  - type: RateLimits
    url: rate-limits/aeropay-rate-limits.yml
  - type: Sandbox
    url: sandbox/aeropay-sandbox.yml
- aid: aeropay:aeropay-user-management-api
  name: Aeropay User Management API
  description: The User Management API from Aeropay — 2 operation(s) for user management.
  humanURL: https://dev.aero.inc/docs/getting-started
  baseURL: https://api.aeropay.com/v2
  tags:
  - User Management
  properties:
  - type: OpenAPI
    url: openapi/aeropay-user-management-api-openapi.yml
  - type: Documentation
    url: https://dev.aero.inc/docs/getting-started
  - type: APIReference
    url: https://dev.aero.inc/reference/post_v2-token
  - type: GettingStarted
    url: https://dev.aero.inc/docs/api-quick-start
  - type: Authentication
    url: authentication/aeropay-authentication.yml
  - type: Conventions
    url: conventions/aeropay-conventions.yml
  - type: Idempotency
    url: conventions/aeropay-conventions.yml
  - type: ErrorCatalog
    url: errors/aeropay-problem-types.yml
  - type: DataModel
    url: data-model/aeropay-data-model.yml
  - type: RateLimits
    url: rate-limits/aeropay-rate-limits.yml
  - type: Sandbox
    url: sandbox/aeropay-sandbox.yml
- aid: aeropay:aeropay-webhooks-api
  name: Aeropay Webhooks API
  description: The Webhooks API from Aeropay — 2 operation(s) for webhooks.
  humanURL: https://dev.aero.inc/docs/getting-started
  baseURL: https://api.aeropay.com/v2
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/aeropay-webhooks-api-openapi.yml
  - type: Documentation
    url: https://dev.aero.inc/docs/getting-started
  - type: APIReference
    url: https://dev.aero.inc/reference/post_v2-token
  - type: GettingStarted
    url: https://dev.aero.inc/docs/api-quick-start
  - type: Authentication
    url: authentication/aeropay-authentication.yml
  - type: Conventions
    url: conventions/aeropay-conventions.yml
  - type: Idempotency
    url: conventions/aeropay-conventions.yml
  - type: ErrorCatalog
    url: errors/aeropay-problem-types.yml
  - type: DataModel
    url: data-model/aeropay-data-model.yml
  - type: RateLimits
    url: rate-limits/aeropay-rate-limits.yml
  - type: Sandbox
    url: sandbox/aeropay-sandbox.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.aeropay.com/
- type: DeveloperPortal
  url: https://www.aeropay.com/developers
- type: Documentation
  url: https://dev.aero.inc/docs/getting-started
- type: APIReference
  url: https://dev.aero.inc/reference/post_v2-token
- type: GettingStarted
  url: https://dev.aero.inc/docs/api-quick-start
- type: Support
  url: https://www.aeropay.com/personal/support
- type: HelpCenter
  url: https://help.aeropay.com/
- type: Blog
  url: https://www.aeropay.com/blog
- type: GitHubOrganization
  url: https://github.com/Aeropay-inc
- type: SignUp
  url: https://portal.aeropay.com/login
- type: Pricing
  url: https://www.aeropay.com/demo
- type: TermsOfService
  url: https://www.aeropay.com/legal/terms-of-service
- type: PrivacyPolicy
  url: https://www.aeropay.com/legal/privacy-policy
- type: TrustCenter
  url: security/aeropay-trust-center.yml
- type: Trust
  url: https://www.aeropay.com/trust-center
- type: Compliance
  url: https://www.aeropay.com/trust-center
- type: Conformance
  url: conformance/aeropay-conformance.yml
- type: DomainSecurity
  url: security/aeropay-domain-security.yml
- type: Authentication
  url: authentication/aeropay-authentication.yml
- type: Conventions
  url: conventions/aeropay-conventions.yml
- type: Idempotency
  url: conventions/aeropay-conventions.yml
- type: ErrorCatalog
  url: errors/aeropay-problem-types.yml
- type: ErrorCodes
  url: errors/aeropay-error-codes.yml
- type: DeclineCodes
  url: errors/aeropay-decline-codes.yml
- type: DataModel
  url: data-model/aeropay-data-model.yml
- type: Lifecycle
  url: lifecycle/aeropay-lifecycle.yml
- type: ChangeLog
  url: changelog/aeropay-changelog.yml
- type: ChangeLog
  url: https://dev.aero.inc/docs/release-notes
- type: RateLimits
  url: rate-limits/aeropay-rate-limits.yml
- type: Plans
  url: plans/aeropay-plans-pricing.yml
- type: Packages
  url: packages/aeropay-packages.yml
- type: SDKs
  url: packages/aeropay-packages.yml
- type: SDKs
  url: https://dev.aero.inc/docs/npm-sdk
- type: Components
  url: components/aeropay-components.yml
- type: Sandbox
  url: sandbox/aeropay-sandbox.yml
- type: MCPServer
  url: mcp/aeropay-mcp.yml
- type: ToolCrosswalk
  url: mcp/aeropay-tool-crosswalk.yml
- type: Webhooks
  url: asyncapi/aeropay-webhooks-asyncapi.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/aeropay-llms.txt
- type: LLMsTxt
  url: https://dev.aero.inc/llms.txt
- type: LLMsTxt
  url: https://www.aeropay.com/llms.txt
- type: Overlay
  url: overlays/aeropay-v2-overlay.yaml
x-enrichment:
  date: '2026-09-10'
  status: enriched
  artifacts_added: 30
  pass: local-v3

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