Aeropay Review

No, and that is deliberate. Aeropay's compliance page says its operating model 'has not required any MTLs,' it holds no FinCEN money-services registration, and its user terms state it never receives, holds, or transfers funds, with partner banks Cross River, MVB, Regent, and UBank moving the money instead. State gaming-supplier registrations are made 'as needed' with no published list. What it does hold is SOC 2 Type II and annual NACHA ACH audits, so the licensing diligence a buyer would normally run on the vendor runs on its banks instead.

Within 15 seconds when the player's bank sits on RTP or FedNow, available 24/7/365 including weekends and holidays. Players at banks off both rails fall back to Same-Day ACH, so the real-world answer depends on your player base's bank mix. The operator-side numbers are decent: Dabble reported 60% of its payouts arriving instantly over RTP, and Aeropay says instant payout volume grew 88% in 2025. The Jack Henry integration from June 2026 exists precisely to widen instant-rail coverage across roughly 7,400 financial institutions.

Yes. Fliff and its casino brand Sidepot run on Aeropay as of July 2026, with Aeropay handling purchases and prize redemptions, and its GambleID partnership explicitly markets onboarding for sweepstakes operators. The backdrop is hostile: California's AB 831 has criminalized knowingly processing online sweepstakes payments since January 1, 2026, New York's ban reaches processors, roughly 17 states now ban or restrict sweeps, and Illinois sent 65 cease-and-desist letters in May 2026. Aeropay has been named in no enforcement, and two of its exposed clients, Novig and ProphetX, de-risked themselves into CFTC exchange licenses in June 2026. What no one outside the company knows is how much of its volume is sweepstakes, so ask, and put state-by-state processing warranties in the contract.

Strongest names first. PrizePicks and Kalshi document Aeropay in their own help centers, Dabble has a joint case study, and Splash Sports was named first live on RfP in Cross River's announcement, which makes those four the solid tier. Novig, ProphetX, Fliff, Sidepot, and Coverd rest on Aeropay-side help pages and quotes. Caesars, Bally's, and Skillz appear only as logos on Aeropay's own pages, with nothing dated behind them.

Aeropay runs its own comparison pages against both, which tells you who it gets shopped against. Against Plaid the line is 'Plaid links accounts, Aeropay moves money': Plaid is an aggregator that needs a processor behind it, while Aeropay bundles linking through its own Aerosync with the actual transfer. Against Trustly, the honest split is paper versus focus: Trustly brings a licensed footprint on both sides of the Atlantic and far bigger scale, while Aeropay counters with gaming-native pieces like guaranteed ACH, 15-second payouts, and the PrizePicks and Kalshi references, all US-only. PayNearMe and Sightline are the closer US-regulated comparisons, and both hold licenses Aeropay deliberately does not.

Unpublished. There is no rate card, no disclosed minimums, and no contract terms anywhere public, and the loudest number, processing costs up to 50% below cards, is a savings claim against interchange with no rates attached. Two things are public: consumers pay nothing (Kalshi lists Aeropay deposits as fee-free with a $10 minimum), and the merchant terms show a two-tier ACH structure where the non-guaranteed tier posts a reserve sized by Aeropay and the guaranteed tier prices the return risk in. Aeropay's own iGaming cost explainer puts generic bank-transfer costs at $0.50-$3.00 fixed or 0.5-3% of transaction value, industry ranges it publishes without committing to its own price.