.png)
When traders perform well, they should get paid.
At Topstep®, that’s not just talk. We’ve paid out more money to more traders than anyone in the industry1.
Over $1.4 billion and counting2.
And now? We’re making payouts faster than ever.
With Aeropay, approved payouts can hit your bank account instantly*!
Why instant payouts matter to traders
Funded traders don’t want to wait to get paid.
You put in the work. You followed your plan. You earned it.
That win shouldn’t feel stuck in limbo.Instant payouts change the game for funded traders. Because when you trade well, your performance should turn into payouts faster.
And Topstep Funded Traders® are already seeing their payouts arrive in seconds!
Waiting days for a payout? That’s old news.
Instant is here, and Topstep traders are already getting paid faster.
That means quicker access to your profits for whatever’s next. Pay bills. Scale up. Book the trip. Repeat.
Because the goal isn’t just trading. It’s what trading makes possible.
Don’t be the one still waiting. Start working toward your instant payout.
What is Aeropay? Instant payouts explained
Most payment tools like Plaid are built to connect accounts. Aeropay is built to move money instantly.
Using secure Pay-by-Bank technology, Aeropay connects directly to your U.S. bank account to deliver faster payouts with fewer delays.
That means eligible payouts can hit your bank account in seconds once approved.
Here’s what that means for funded traders:
- Built for payments, not data → Payouts in seconds
- Direct bank connections → No middlemen slowing things down
- Transparent, lower costs → Keep more of what you earn
- Compliance-first design → Reliable, consistent payouts
Plus, real-time payouts work with many major U.S. banks and credit unions, including Bank of America, Chase, Wells Fargo, Citibank, PNC, and more.
So when your payout is approved, there’s less standing between you and your money.
Close the trade. Request the payout. See the money hit your account in seconds.
How Topstep payouts work with Aeropay
Aeropay is built directly into the Topstep payout process.
When requesting a payout:
- Select Aeropay as your payout option
- Securely link your bank account
- Track your payout status in real time
You’ll get updates as your payout progresses and confirmation when your instant payout is complete.
Learn more about getting funded.
Get paid faster with Topstep
While traders at other prop firms are still waiting around, Topstep traders are already getting paid and moving on to the next trade.
With Aeropay, traders get:
- Instant access to payouts once approved
- Real-time tracking so you’re never guessing
- More control over how you get paid
If you’re a U.S. trader and you want the fastest path from profits to your bank account, Aeropay is the move.
Frequently asked questions
What is Aeropay?
A: Aeropay is a secure pay-by-bank ACH solution built directly into the Topstep payout process. It allows eligible U.S. traders to receive approved payouts directly to their bank account instantly.
How does Topstep payout work with Aeropay?
When requesting a payout, select Aeropay, securely link your U.S. bank account, and submit. Once approved, funds are sent directly to your bank through a secure ACH transfer, with tracking updates along the way.
Is Aeropay right for you?
If you’re a U.S. trader with a U.S. bank account and want the fastest path from approved payout to funds in your account, Aeropay is the recommended option.
How do I use Aeropay?
A: When requesting a payout, select Aeropay as your payout option, securely link your U.S. bank account, and submit. You will get real-time updates as your payout progresses and a confirmation when it hits your account.
How fast are instant payouts?
A: For eligible U.S. traders using Aeropay, approved payouts can be delivered to your bank account in seconds. Timing may vary slightly depending on your bank's ACH processing schedule.
Is Aeropay secure?
Yes. Aeropay is a compliance-first payment solution with direct bank connections and secure ACH transfers.
What is the difference between Aeropay and Plaid?
A: Plaid is primarily used for linking bank accounts. Aeropay is built specifically to move money. That means faster payouts, fewer steps, lower costs, and direct bank connections with no middlemen slowing things down.
1Based on total estimated payout data for 2025 compared to top 2 competitors in the prop firm industry. Most traders do not make a profit.
2Total paid all time. Individual results vary.
*Subject to your bank's support of real-time transactions.
