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EPISODE SUMMARY 

Sarah Stapp, Chief Commercial Officer at Aeropay, joins Joseph Casali to discuss the evolving payments landscape, focusing on Pay by Bank. Sarah shares her unique journey into fintech, from Craigslist job ads to leading global expansion at Braintree, and dives into ACH rails and real-time payments. 

Why Pay by Bank Matters: It offers fast, secure payment options directly from bank accounts, bypassing card networks. Sarah highlights how RTP and FedNow are shaping user expectations around speed and control across industries like gaming and insurance. 

Key Topics: 

• Evolution of payment orchestration
• Understanding “guaranteed ACH”
• Signals of Pay by Bank's growth in the U.S.
• Consumer-driven adoption over regulation

GUEST-AT-A-GLANCE

Sarah Stapp Chief Commercial Officer, Aeropay LinkedIn

Noteworthy: Spent 12 years at Braintree, leading global expansion.


KEY INSIGHTS

Pay by Bank Is Here: Sarah explains how direct bank-to-bank payments using ACH rails and mobile authentication are gaining traction, especially in gaming. She emphasizes the importance of education for both merchants and consumers.

Instant Payouts: RTP and FedNow are changing consumer expectations for receiving money. Sarah discusses the impact on gaming, insurance claims, contractor payments, and rent reimbursements.

Guaranteed ACH: Sarah introduces “guaranteed ACH” to mitigate risks associated with traditional ACH, offering merchants fewer chargebacks and better cash flow.

Payment Orchestration: Sarah unpacks payment orchestration, highlighting its role in optimizing transactions, centralizing customer data, reducing costs, and enhancing user experience.