# Aeropay

**Canonical:** https://apis.io/providers/aeropay/  
**Website:** https://www.aeropay.com/  
**APIs profiled:** 1

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.

## Kin Score — 49.9 / 100 (developing)

Scored 2026-09-10 under rubric 0.20.0.

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 58.4 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 18.4 |
| Developer Ergonomics | 58.9 |
| Commercial Clarity | 47.4 |
| Access Clarity | 47.4 |

Regulatory layer — **Banking & Open Finance**: 48.1 (matched via tags).

## Agent readiness — 42.8 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | documented |
| MCP Server | documented |
| Auth Clarity | bearer |
| Idempotency | verified |
| Error Semantics | documented |
| OpenAPI Examples | verified |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## APIs (3)

- **Aeropay v2 API** — 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...
- **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-...

## MCP servers (2)

- **Aeropay MCP Server**
- **Aeropay MCP Server**

## Security (3)

- **Aeropay Authentication** — http-bearer/credentials-exchange · 2 schemes
- **Aeropay Domain Security** — TLSv1.3 · HSTS · DMARC
- **Aeropay Trust Center** — SOC 2, Nacha ACH Operating Rules

## Plans (1)

- **Aeropay Plans Pricing**

## Tags

Payments, Pay by bank, ACH, Open Banking, Fintech, Bank linking, Financial Services, Real-time payments, Webhook, Payouts, MCP, Risk & fraud

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/aeropay/). Scores are computed from the provider's own public artifacts under a published rubric.