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 1 API on the APIs.io network: v2 API. 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.
Regulatory Posture applies to this provider. Its tags matched the
Banking & Open Finance regime, so
Regulatory Posture carries 15 points of the composite.
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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/.
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The Aeropay v2 REST API for pay-by-bank money movement. Issue merchant- or userForMerchant-scoped bearer tokens, create and confirm users, obtain Aerosync bank-linking credentia...
Outbound HTTPS webhook deliveries covering nine topics across the ACH, RfP and RTP rails — transaction_completed, transaction_voided, transaction_refunded, transaction_declined,...
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 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...
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