Technology that lets users pay for goods or services directly inside a non‑payment product—like a checkout built into an app, website, or accounting tool—so transactions happen without leaving the experience. Investors care because embedded payments can create new revenue streams, increase how often customers use a product, and capture valuable transaction data, while also bringing regulatory and operational responsibilities that affect margins and growth potential.
payments orchestratortechnical
A payments orchestrator is a software layer that routes and manages a company’s customer payments across multiple payment providers, card networks and methods, handling retries, routing decisions and basic compliance checks. For investors, it matters because it can increase payment success rates, lower costs, speed international expansion and reduce reliance on any single provider—think of it as a traffic controller or conductor that keeps money flowing smoothly and reliably for a business.
request-for-payment (rfp)financial
A request-for-payment (RFP) is a formal bill sent to a payer—such as an insurer, government agency, or corporate customer—asking for reimbursement of specific goods or services delivered, often including itemized charges and supporting documentation. For investors it matters because the timing and likelihood of those payments affect a company’s cash flow and reported revenue; slow, disputed, or denied RFPs can signal operational, billing or regulatory risks that may reduce near-term cash and profit.
real-time payment (rtp)financial
Real-time payment (RTP) is an electronic transfer system that moves money instantly and irreversibly between accounts, like sending a text message that immediately becomes available to the recipient. For investors, RTP matters because it speeds cash collection and payment flows, improving a company’s liquidity and reducing the time money sits in transit—factors that can affect working capital, revenue timing, fee income for banks, and short-term financial risk.
apitechnical
An API, or Application Programming Interface, is a set of rules that allows different software programs to communicate and work together smoothly, much like a waiter translating your order into the kitchen and then bringing your meal back. For investors, APIs are important because they enable real-time access to financial data, trading systems, and other digital services, making it easier to make informed decisions quickly and efficiently.
account-to-account paymentsfinancial
Account-to-account payments are transfers of money made directly from one bank or digital wallet account to another without using card networks or intermediaries. Think of it as handing cash electronically from one account to another: faster, often cheaper, and more transparent than taking a roundabout route. Investors care because these payments can lower costs, speed up cash flow, change fees earned by payment firms, and shift where consumer and merchant value is captured in the payments chain.
risk intelligence enginetechnical
A risk intelligence engine is a software system that gathers data, detects potential threats, and scores how likely and how severe those threats are for a business or portfolio. Think of it as a weather forecast for financial and operational dangers: it turns scattered signals into clear warnings and priorities so managers and investors can adjust strategy, guard assets, meet rules, and price future uncertainty more accurately.
real-timetechnical
Real-time means information or data that is delivered and updated instantly as events occur, with negligible delay—like seeing a live video instead of a snapshot. For investors it matters because having immediate, up-to-date information lets you react quickly to news or price changes, reducing the chance of making decisions based on outdated facts and improving the accuracy and timeliness of trades or portfolio adjustments.
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CHICAGO--(BUSINESS WIRE)--
Aeropay today announced that it is utilizing Jack Henry® embedded payments technology to expand its instant payment capabilities and reinforce the resilience of its national pay-by-bank network. Through integration with Jack Henry Payments Orchestrator (formerly Victor Technologies), Aeropay enhances its bank integration capabilities while introducing additional payment rail infrastructure across its ecosystem. The integration enables request-for-payment (RfP) and real-time payment (RTP) capabilities, strengthening Aeropay’s multi-rail architecture.
Aeropay x Jack Henry
This integration allows Aeropay to dynamically route transactions based on performance, availability, and risk conditions. This architecture improves uptime, accelerates transactions, and provides greater flexibility for instant payment acceptance and settlement as RfP and RTP networks continue to expand across U.S. financial institutions.
By combining expanded rail redundancy with its developer-first API stack, Aeropay continues to pioneer pay by bank transactions in the United States. Merchants and platforms can seamlessly embed secure account-to-account payments directly into checkout and wallet workflows, supported by scalable banking connectivity and smart routing logic.
Central to this infrastructure is Aeropay’s proprietary risk intelligence engine. Purpose-built for bank payments, the system evaluates user behavior, transaction patterns, and network signals in real time to optimize authorization decisions. The addition of orchestration technology further enhances Aeropay’s ability to balance speed, reliability, and security, key components in responsibly scaling instant payments nationwide.
The integration is live and Aeropay plans to expand RfP and RTP capabilities across its ecosystem in the coming months, reinforcing its commitment to resilient, real-time pay-by-bank payments nationwide.
Jack Henry acquired Victor Technologies in September 2025.
About Aeropay
Aeropay is a leading pay-by-bank provider that powers instant, direct, and secure bank payments for businesses and their customers. With solutions spanning pay-ins and payouts, Aeropay helps merchants reduce costs, improve cash flow, and enhance customer experiences. Learn more at www.aeropay.com.
About Jack Henry
Jack Henry™ (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower approximately 7,400 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at www.jackhenry.com.
