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
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
apis:
- aid: aeropay:aeropay-v2-api
  name: Aeropay v2 API
  description: 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 credentials and attach the resulting
    account, then create standard, preauthorized or payout transactions, capture or reverse them, search
    transactions, send payment links, subscribe to webhooks, pull CSV/totals/batch reports and manage merchant
    reputation. 32 operations over 26 paths, described by a published OpenAPI 3.0.0 document.
  humanURL: https://dev.aero.inc/docs/getting-started
  baseURL: https://api.aeropay.com/v2
  tags:
  - Payments
  - Pay by bank
  - ACH
  - Payouts
  properties:
  - type: OpenAPI
    url: openapi/aeropay-v2-openapi.yml
  - type: OpenAPI
    url: openapi/_original/aeropay-v2-openapi.json
  - 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
  - type: Overlay
    url: overlays/aeropay-v2-overlay.yaml
- 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
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