Aeropay Review

Verticals

Gaming made up 80% of Aeropay's revenue in mid-2024. The gaming book spans DFS pick'em, CFTC-regulated prediction markets, skill gaming and sweepstakes, plus one land-based cashless wallet, and Aeropay serves these verticals openly with no licensed-merchants-only gate. The state-by-state compliance and sponsor bank machinery it built for cannabis carried over to gaming verticals that sit outside classic gambling licensing. Its product work on Request for Payment pay-ins, instant payouts and the Trusted User Program serves gaming first.

• iGaming
• Daily Fantasy Sports
• Prediction Markets
• Sweepstakes
• Online Lottery
• Skill Gaming
• Cannabis
• Specialized Retail
• E-commerce
• Subscriptions

A deposit lands instantly when the player's bank accepts Request for Payment on RTP, and otherwise clears by Same Day ACH, with standard ACH as the slowest path. Withdrawals leave Aeropay instantly, 24/7/365 and weekends included, over RTP and FedNow through Cross River, and the player's bank credits them in seconds when it sits on those rails. Pavilion Payments takes 1-5 business days for the same payout. A player whose bank is off RTP and FedNow gets the Same Day ACH fallback and sees the money in 1-3 banking days. Where the operator pays out over standard ACH, as Kalshi does, a withdrawal takes 3-4 business days. Aeropay settles deposits to the operator the same day, while Trustly settles T+1 and PayNearMe T+1 to T+3, so Aeropay puts deposit money in the operator's account at least 1 business day sooner. Instant payouts show up in retention, and Aeropay clients saw a peak of 50% more high-frequency users after turning them on.

Integration Assessment

Aeropay integrates through one REST API or the pre-built Aerosync widget. The widget takes under a week to integrate, and a full API build takes 2 weeks. The API covers user creation, transactions with preauthorization and capture, payouts, Request for Payment and subscriptions, and the widget ships as SDKs for web and mobile. Public docs at dev.aero.inc carry quick starts, launch checklists and UX guidelines, and a sandbox runs beside production. Aerosync also works alongside a Plaid, Yodlee or MX linking widget a merchant already runs. Aeropay has no casino-platform connector, so a platform-based casino builds the integration itself or takes Aeropay through Worldpay. Merchant onboarding is a white-glove compliance review of 2-4 weeks, the same window as Trustly's. Pavilion Payments and Sightline Payments take 8-16 weeks to onboard a gaming merchant.

Compliance Context

Guaranteed ACH puts ACH return risk on Aeropay across all R-codes (NSF, invalid account and unauthorized disputes), so a returned deposit does not claw back funds already settled to the operator. Confirmed fraud losses are the exception, because Aeropay can invoice them back to the operator under the merchant contract. The rail carries no card chargebacks. The Trusted User Program shares player reputation across the whole merchant network. Player KYC is fully automated, since identity anchors to the player's own bank login when Aerosync links the account. Aeropay is SOC 2 Type II certified and runs a BSA/AML program with customer due diligence and transaction monitoring, and its ACH origination runs under Nacha operating rules. It handles no card data, so PCI DSS does not apply to its flow. Four sponsor banks move the money, which means no single bank leaving the gaming vertical can switch Aeropay off.

Regulatory Position

Aeropay holds no money transmitter license, because its sponsor bank model requires none. Four ODFIs originate its money movement and carry the regulatory load: Cross River Bank for RTP, FedNow and Request for Payment, UBank for Same Day ACH, Regent Bank for redundancy, and MVB Bank, a gaming specialist bank. Aeropay does not itself receive, hold or transfer player funds. On the gaming side, Aero Payments, Inc. DBA Aeropay holds vendor registrations obtained in 2025 in five states: a Pennsylvania gaming service provider registration that runs to December 2029, a New Jersey vendor registration and a Michigan one that covers both iGaming and sports betting, an interim West Virginia sports wagering supplier license (SWS 259, December 2025) and a Colorado Vendor Minor approval. The West Virginia approval covers sports wagering only, with no iGaming supplier approval. Aeropay is a member of the FSGA and the Coalition for Fantasy Sports. Sweepstakes carry the live exposure. Aeropay serves sweeps operators, Sidepot among them, while California's AB 831, in force since January 2026, and a 2025 New York law make payment processors liable for knowingly supporting unlawful sweepstakes. Ten US states now ban sweepstakes or the entities that support them, so an operator running sweeps traffic through Aeropay carries that state-map risk itself.

Review Analysis

Aeropay rates 3.7 on Trustpilot from 331 reviews. The reviewers are almost entirely players of client apps, PrizePicks players above all. They praise zero player fees, fast bank linking and instant payouts where their bank supports them. The complaints center on support, because Aeropay answers players by email only, with no phone line, and withdrawal or account-suspension cases can go weeks without a reply. Aeropay is not BBB-accredited, drew 42 BBB complaints in 3 years, 25 of them in the last 12 months, and carries a BBB pattern-of-complaints alert over withdrawal restrictions, verification friction, declined payments and fund-access delays on gaming apps.

Context for Operators

Players meet Aeropay under the operator's brand, so a withdrawal stuck in email support reads as the operator failing them. The complaints trace the seams of the product: A2A money that moves slower than players expect when their bank lacks RTP, risk holds that suspend accounts without explanation, and support built for merchant escalation. An operator on Aeropay needs its own player-facing escalation path for payment cases. For a B2B rail, review volume mostly mirrors client scale.

Named iGaming Clients

PrizePicks, Dabble, Kalshi, Polymarket US, ProphetX, Skillz, Bally's (Bally Pay), Sidepot, Coverd

PrizePicks, the largest US DFS operator, has run its bank transfers through Aeropay in an official partnership since September 2023. Dabble uses Aeropay for bank transfers and pays player withdrawals the same day, Kalshi takes ACH deposits through it, and Polymarket US has integrated it as a bank-transfer rail. ProphetX pays its players out over Aeropay, and Skillz runs it for bank transfers in skill gaming. Sidepot, a sweepstakes brand of Fliff, is a live merchant, and so is Coverd, a gaming-tokens app. Bally's runs its Bally Pay cashless wallet on Aeropay at Lake Tahoe. The direct book holds no regulated online casino or sportsbook, and that segment reaches Aeropay only through Worldpay.