10 Best Payment Gateways in USA [2024]
Online businesses are trendy these days, but setting up one is not an easy task. You may need to choose the right channel, integrate services such as payment gateways, market your business, and more. Being an Store owner it is very important to set everything properly to make the store run smoothly. You can also have a look at Digital Payment Statistics as offering digital payments to consumers has become necessary for all businesses, from street vendors to online brands.
In this, selecting the appropriate payment gateway is crucial to accept payments easily. It is something that you can not risk! Your choice of a payment gateway can either make or break your online business. There are plenty of top payment gateways in the United States. You need to choose the best US payment gateway based on the factors like e-commerce integration compatibility, safety, pricing, etc.
Simply, it ain’t an easy task to choose the best one!
I can feel that and therefore have compiled a list of the best payment gateways in USA. You can also find a detailed feature-wise comparison of top 10 payment gateways in USA to choose the right one for your business.
Table of Contents
- Feature-wise Comparison of Best Payment Gateways in USA
- Best USA Payment Gateways in 2024
- Other Popular Payment Gateways in the USA
- How to Choose the Right Payment Gateway for your Business?
- Conclusion
- FAQs
Also read:
- 10 Best Indian Payment Gateways
- 10 Best Payment Gateways in the UK
- 5 Best Payment Gateways in Australia
- Best SMS Gateway Providers
Feature-wise Comparison of Best Payment Gateways in USA |
||||||
|---|---|---|---|---|---|---|
| Payment Gateway | Transaction Fees | Supported Payment Methods | Security Features | Recurring Payments | Partial Payments | Contact |
| PayPal | Up to 3.49% + fixed fee |
|
|
Yes | Yes |
|
| Authorize.net | $25 monthly + 10¢ per transaction + 10¢ daily batch fee |
|
|
Yes | Yes | Contact Authorize.net |
| Stripe | 2.9% + 30¢ per transaction |
|
|
Yes | Yes | Contact Stripe |
| 2Checkout (Verifone) | Starts at 3.5% + $0.35 per successful sale |
|
|
Yes | Yes | Contact 2checkout |
| Amazon Pay | Domestic Transactions: 2.9% + $0.30 per transaction
International Transactions: 3.9% + $0.30 per transaction |
|
|
Yes | Yes | Contact Amazon Pay US |
| PaySimple Data | Credit card: 2.54% Per transaction + monthly feesACH/ Check: $0.69 + 0.25% |
|
|
Yes | No | Contact PaySimple |
| WePay | Card: 2.9% + 30¢ per transaction
ACH: 1% + 30¢ per transaction |
|
|
Yes | No | Contact WePay |
| Braintree | Cards and digital wallets: 2.59% + $0.49 per transaction
Venmo: 3.49% + $0.49 per transaction
ACH Direct Debit: 0.75% per transaction
|
|
|
Yes | Yes | Contact Braintree |
| Payline Data | $20 per month + $0.20 per transaction + interchange rates |
|
|
Yes | No | Contact Payline Data |
| Worldpay by FIS Global | From £19/month for 350 transactions |
|
Secure HTTPS connections, Strong TLS configurations, and PCI-DSS | Yes | Yes | https://www.fisglobal.com/en-gb/merchant-solutions-worldpay/get-in-contact |
Best USA Payment Gateways in 2024
PayPal
PayPal is undoubtedly one of the best payment gateways in USA. It was established in 1998 as Cofinity and has more than 360 million active users across the globe. PayPal is a global online payment solution that allows users to make payments and money transfers digitally. The company marks 20+ years of experience in the payment industry, supporting 100+ currencies for international businesses.
Using PayPal for your business allows you to leverage diverse tools to make more profits. PayPal tops the USA payment gateway list because of its user payment convenience!
The payment gateway supports the ‘Buy Now, Pay Later’ functionality, recurring payments, professional invoices, and streamlined payment operations.
Research has shown that consumers’ intent to purchase increases by 54% when PayPal is available as a payment type!
Leverage the PayPal payment gateway to increase the revenue of your online store! Now if you are a Magento 2 store owner and want to accept payments in currency other than base currency via PayPal, the perfect solution is Meetanshi’s Magento 2 PayPal Multi Currency which lets customers pay in their preferred currency via PayPal!
Features:
- Seamless & Secure Checkout
- Mobile-first shopping experience with the smooth checkout process
- Supports 100+ currencies
- Fraud protection technology
Pros:
- Easy integration with the website
- 24/7 customer support
- Multiple payment methods
- Robust and reliable
Cons:
- High transaction fees
- Frozen accounts in case of disputes
Contact Details:
Send your queries here.
Authorize.Net
Authorize.Net, founded in 1996, is trusted by more than 430,000 merchants and handles over 1 billion transactions and $149 billion in payments every year.
The payment gateway received the top-performing payment gateway award for having the highest rate of successful authorizations in August 2020.
With the Authorize.Net payment solution, your business can offer various payment options to customers, like debit cards, credit cards, and eChecks, to digital payments like Apple Pay, PayPal, and Visa Click to Pay.
Authorize.Net, one of the best online payment gateways in the USA, includes advanced fraud detection, supports recurring payments, and offers a simplified PCI DSS.
Features:
- Customer Information Manager
- Digital invoicing
- Simple checkout
- E-check processing
Pros:
- Reliable & scalable platform
- Report generation
- Sync QuickBooks
- Virtual terminal and batch upload
Cons:
- No free trial
Contact: 1-888-323-4289.
Send your queries here.
Stripe
Stripe is an Irish American financial service headquartered in San Francisco and Dublin. It is one of the most reliable payment processors in the USA for E-commerce stores and mobile applications. The company was launched in 2011 and has come a long way to nail all the sectors like B2B, B2C, E-commerce & Retail, and SaaS.
The Stripe online payment gateway is trusted by millions of companies in over 120 countries. Some well-known brands in its client base include Amazon, Google, Microsoft, Shopify, Uber, Spotify, and Slack.
Interestingly, 90% of US adults have paid through Stripe! Leveraging the popular digital payment gateway for your business is a guaranteed improvement in the payment system!
Stripe offers a hosted payment solution with an embeddable UI toolkit, invoicing, and third-party integration support. It is the PCI Service Provider Level 1 certified with the best-in-class security tools, encryption of sensitive data, and communication.
Features:
- Fraud protection
- Issue virtual and physical cards
- Manage business spend
- Certified to the highest compliance standards
Pros:
- Power payments for online and in-person retailers
- Support subscription businesses
- 99.9%+ uptime
- Scalable & Redundant
Cons:
- Does not support countries on this list
Contact:
Send your queries here.
2Checkout
2Checkout (now Verifone) is a leading all-in-one monetization platform. The company was founded in 2006 and now serves clients worldwide through its 4 global offices.
The company handles over 1 billion transactions annually. Moreover, here are the popular titles earned by 2Checkout that are responsible for making 2Checkout to the list of the best payment gateways in the USA:
- PSD2 Compliant
- PCI DSS Level 1 Certified
- GDPR Compliance
- Privacy Shield
- ISAE 3402 and SSAE 18 compliant
- 3-D Secure Vendor/Client Protection
- Verified by VISA
- BBB Accreditation
2Checkout is a prestigious company in the industry with the following accomplishments:
- Ranked fifth on the world’s Best Cost Per Sale (CPS) Affiliate Networks
- Recognized as a Leader in the Grid® Report for Subscription Billing and Subscription Management.
- Platinum Winner in the Best B2B Payment Platform category.
And many more.
Integrating 2Checkout, a top US payment gateway provider, in your online business payment system will surely streamline payment collection from global customers.
Features:
- Supports subscription billing
- Customized checkout
- Account updater
Pros:
- Integrate more than 100 online carts & systems
- Supports 100+ currencies
- Supports 30+ languages
Cons:
- Costly as compared to alternatives
Contact:
Send your queries here.
Amazon Pay
Amazon Pay, launched in 2007 by Amazon, is an online wallet-based payment service that allows Amazon users to make payments through their wallet balance. It is an easy method of payment for millions of Amazon users.
The payment service is available to businesses in the United States and many other countries, including Japan, France, Germany, and Denmark, as of March 2023. The payment service has reached over 50 million UPI global users as of 2023. Leading brands such as BigCommerce, Brooklyn, Chico’s, Forever 21, and Magento use this popular payment gateway in the USA.
Amazon Pay works smoothly with online stores and is optimized for mobile applications, making it easier for mobile shoppers. In addition, it is equipped with Alexa skills similar to talking, allowing users to add products and make wish lists using voice.
The company provide specific solutions to large-scale businesses using an online payment service that can be customized using APIs and SDKs.
Features:
- Verifies and validates the customer
- A-to-Z Guarantee
- Fraud detection and prevention
- Good technical and customer support
Pros:
- Facilitates quick and easy checkout
- Can easily make a purchase using voice i.e. Alexa skills
- Very fewer chances of cart abandonment
- Helps in increasing conversions
- There is no need to enter credit card information
- No hidden charges
Cons:
- Customers will compulsorily need an Amazon account for payments
Contact:
Send your queries here.
PaySimple
PaySimple is a cloud-based payment gateway that provides solutions to capture payments, manage customers, and automate billing. The company has served over 22,000 businesses since 2006. Some of them include well-known companies, such as Travelbound, Cutting Edge Elite, and Weberolcese.
The payment gateway offers multiple payment modes to capture payments using online storefronts and payment forms. PaySimple payment helps in managing business by using Android and iOS mobile apps. It is also possible to set schedules for recurring bills for the customers visiting the physical store.
PaySimple payment gateway provides real-time performance, preparing customized and visual reports. The method facilitates streamlining billing in various ways, such as direct payment collection and automated and recurring billing schedules.
Features:
- Flexible payment capture
- Automated billing
- Customer marketing solutions
Pros:
- Recurring billing
- Business Insights
- Hosted web payment forms
Cons:
- Limited to accept payments in US dollars only
Contact:
Send your queries here.
WePay
WePay, founded in 2008, is a payment service provider that small businesses use to accept online payments easily. It was acquired by JPMorgan Chase in 2017 for connecting its fintech technology with the bank’s power.
Businesses can focus on their core strategy by capturing flexible, integrated payments using APIs such as referrals and white labels. WePay has served many top companies, such as BigCommerce, FreshBooks, Constant Contact, and Keap.
The online payment gateway offers an in-built fraud prevention and protection system by detecting it using social data collections and machine learning algorithms. The main advantage of WePay is its single SDK and modular APIs, which helps the developers to save time, minimize efforts and reduce operational and certification costs.
Features:
- Integrated payments for SMB Saas, POS systems, & Online Marketplace
- Modern RESTful APIs
- Instant onboarding
Pros:
- Same-day deposits for Chase account holders
- Card Present Solutions
- Virtual Terminal
Cons:
-
Credit card fees
Contact:
Send your queries here.
Braintree
Braintree, one of the payment gateway companies in the USA, specializes in mobile and web payment systems. It was acquired by PayPal in September 2013.
It is a set of tools for processing payments from cards and wallets like Apple Pay and Google Pay. The major benefit here is added fraud prevention and strong data security. Some leading brands using Braintree include Uber, Dropbox, GitHub, Yelp, StubHub, etc.
Braintree provides a solution that overcomes various challenges faced while accepting payments. It mainly extends three types of partnerships:
- Transaction services
- Rewards and loyalty
- Contextual commerce
Data security is a key factor, which is taken care of using the Braintree vault, where the payment information of the merchants is stored securely. It also identifies and reacts to potential threats.Braintree stores various information about repeat customers, such as information for each billing cycle, using Recurring Billing automatically.
Features:
- Level 1 PCI-compliant service provider
- Optimized for web and mobile
- Offers buy now, pay later options
- Easy third-party integrations
Pros:
- Increase conversion with a seamless checkout
- Recurring billing is supported
- Account updater
- Robust reporting
Cons:
- Way too many chargebacks
Contact:
Send your queries here.
Payline Data
Payline is a Chicago-based merchant processor, also known as Payline Data Services. It was founded in 2009 by Jeff Shea and provided various payment services to online and offline businesses in the US.
This online payment gateway in the USA received the Best Payment Facilitator Integration award from Electronic Transactions Association.
You can simply create a recurring billing schedule for the customers, and then the Payline payment gateway easily manages it. Managing multiple accounts using a single payment account and selecting the transaction path based on advanced load-balancing directives is possible.
The feature-rich payment gateway includes batch processing, project management, time tracking, and more. It offers software such as Invoicing, Recurring Billing, and ACH payments at a very fair price.
Features:
- Same-day approval
- Web and mobile gateway payment processing
- Built-in fraud protection
Pros:
- Supports QuickBooks integration
- Shopping cart integrations
Cons:
- No free trial
Contact:
Send your queries here.
WorldPay by FIS Global
WorldPay is the UK’s biggest payment provider, with thousands of customers ranging from small to large enterprises. It was founded in 1997 as an online multi-currency payment system. It allows going global by accepting online payments in over 120 currencies.
The payment gateway services offer powerful fraud prevention features, with over 25 years of expertise in the industry. Additional benefits of this payment gateway are faster payouts, better cash flow, and recurring payments.
Quick tip 💡 Magento 2 store owners can benefit from this world-class payment gateway using our Magento 2 Worldpay payment gateway extension.
The multi-current support of the payment gateway is helpful in doing international business. Furthermore, the robust fraud prevention features make the transactions worry-less for businesses.
Features:
- Expert support
- Simple order management
- Webhook notifications
Pros:
- Fast payouts
- Supports recurring payments
- Robust system
Cons:
- It offers a little support for chargebacks
Contact:
Send your queries here.
Other Popular Payment Gateways in the USA:
NETinfo PAY
NETinfo Pay is a secure, convenient, and fast way to accept online payments. It also enables instant money transfer and management of bank accounts.
It has the lowest transaction fees and can be considered the cheapest payment gateway in the USA. Furthermore, it is available for mobile users on Android and iOS devices. The payment gateway offers customers a fast and seamless payment experience with an easy implementation process. Furthermore, you can have 24×7 access and manage the funds anytime.
Using NETinfo Pay, customers can easily connect their bank accounts and make online payments. The customer can manage the bank account and authorize payment requests using NETinfo Pay. It is trusted by many top companies like Pyxida, Soeasy stores, The Mall Kiosk, Tobiana, and many others. You can join these popular brands to provide customers with the best payment experience.
Features:
- Instant access to your funds
- Fast, secure, and seamless payment experience
- Stay in control of your financials 24/7
Pros:
- Easy implementation
- Can view transactions in real-time
- Low labour cost
Cons:
- There might be technical problems
Contact:
+357 22 753636
Send your queries here.
Paya
Paya Payments is the USA’s popular payment gateway for capturing secure online payments. Sage Payment Solutions was founded in 2006 by the London Stock Exchange. The payment gateway company in the USA serves more than 1,00,000 customers with revenue of $30 billion processed annually and is trusted by over 72k businesses.
Many top companies get partnered with Paya Payments payment gateway such as Acumatica, Greenway, ECI Software Solutions, etc. Offering better payment solutions help to promote better end experiences. Paya Payment businesses can issue invoices and easily make payments through various channels.
Meetanshi has developed Magento 2 Paya Payments for ease and a mobile-friendly UI for making payments online in Magento 2 store!
Features:
- Automated updates
- Facilitates multi-channel processing
- Accessible virtual terminal
Pros:
- Helps in reducing payment delays
- It also protects information using secure PCI- compliant solutions
- Minimizes other costs
Cons:
- Lack of transparency
Contact: 866-307-1627
PayTrace
PayTrace is one of the best payment gateways in the United States for businesses. Founded in 2004 and headquartered in Spokane, Washington, the company provides high-security and low costs payment services to businesses.
This user-friendly payment gateway service is used by more than 40,000 businesses for accepting online payments. It also offers advanced reporting and fraud-prevention features. PayTrace has received a Patriot Award from employer support.
One of the most important advantages of using the PayTrace payment gateway is the high-end security, which is PCI-certified. The payment gateway offers direct payment services, where the customer can pay without leaving the merchant’s site.
Magento 2 store owners can leverage the feature-rich payment gateway using Magento 2 PayTrace Payment Gateway extension. It integrates Magento 2 store with the PayTrace payment gateway to handle B2B transactions.
Features:
- Paytrace is PCI certified
- Reduces the tedious administrative processes
- The payment process is carried out more quickly
Pros:
- A secure payment system
- Application procedure becomes much easier
Cons:
- This online payment gateway in the USA is much more costly
Quickbooks
Quickbooks is a well-known accounting software package developed by intuit, founded in 1983. Small and medium-sized businesses mainly use these accounting tools for bookkeeping and invoice management. The payment gateway by Quickbooks is recognized as one of the best payment gateways in the US. Furthermore, the Quickbooks brand is among the top trusted brands in Alignable’s SMB Trust Index
Their payment gateway is used by leading brands because of its rich features such as instant invoices, e-checks, automatic recurring invoices, etc. Some include well-known names such as CA Technologies, Van Buren & Associates, and EisnerAmper LLP.
This feature-rich USA payment gateway is helpful when you want to limit the payments and add the benefits of quickbooks for managing accounts and finance in your store. Additionally, if you are a Magento store owner and want to leverage this benefit, Meetanshi’s Magento 2 Quickbooks Payments would be helpful. Further, extend the functionality and install Magento 2 Quickbooks Online Integration extension to get the most out of this software.
Features:
- Free upgrades
- Can easily customize your reports
- Supports recurring payments
Pros:
- Simple to use and learn
- Easy access from any device
- Easy to find and fix issues
Cons:
- Bit costly when opting for customization
- It is unable to recover transactions from previous versions
Contact:
Send your queries here.
Klarna
Klarna, also known as Klarna Bank AB, is a Swedish fintech company providing online financial services. It offers payments for online stores and can make payments directly.
Klarna, the payment gateway company in the USA, has nearly 6,000 employees. This US payment gateway simplifies the process for buyers. It is well-known for its flexible payment options among the end customers. It offers three payment options: pay now, pay later, or slice it. Klarna can be an excellent choice of payment gateway for your business if you’re selling high-value items and want to offer a flexible payment facility to the customers.
If you are a Magento 2 store owner, using Magento 2 Klarna Payments would be beneficial.
Features:
- It offers various payment options
- Easy set-up
- Available for both online and offline purchases
Pros:
- “Buy now, Pay later” has gained much popularity
- Transactions are much more secure enough
- Back-end support is provided whenever required
Cons:
- Transaction fees are quite high
- Longer financing terms
Contact:
Send your queries here.
First Data Payeezy
Payeezy is one of the most powerful payment options that delivers easy, safe, and secure online mobile payments. It is a financial services company with headquarters in Atlanta, Georgia.
First Data Payeezy has nearly six million merchants and is recognized as the largest in the payment industry. First Data and Payeezy were awarded the Digital Accelerator Award in 2015 for the “Best Developer Experience” category. It has been combined with Fiserv for better payment service experiences!
Payeezy is powered by First Data, supports merchants from more than 50 countries, and even accepts payments in more than 140 countries. This is the most used payment gateway in the USA and is used widely for all types of businesses, whether small or large. First Data Payeezy is one of the best payment gateways in the USA, widely used.
Magento 2 First Data Payeezy Payment is an easy way to integrate such a popular payment gateway with Magento 2 stores.
Features:
- ACH Payments
- Search, and tracking functions are unique
Pros:
- Payeezy is PCI compliant
- Highly secure
Cons:
- The interface is hard to navigate
Contact:
Send your queries here.
How to Choose the Right Payment Gateway for your Business?
Choosing the best payment gateway in the USA must be done wisely so as not to disrupt the online payment system of your store. Some of the factors that need to be considered are:
Supported Payment Types
Initially, online payments were only accepted through credit or debit cards. Today, several payment options are available such as net banking, PayPal, wallets, etc. Customers must receive multiple payment methods to opt for the convenient option. However, not all payment types are supported by all payment gateways. So, choose the best payment gateway after studying the supported payment types and potential customer behaviour when it comes to payments
Secure Transactions
Ensuring utmost security and privacy is necessary while carrying out your customer’s billing process while capturing online payments. You should protect your data from various hackers and malware attacks. You must look for the safety and encryption data of the provider before carrying out any transactions using a payment gateway.
Hosted or Direct Payment Method
There are two types of payment gateways: hosted and direct. For hosted payment method, the user is redirected to the hosted payment page where the sensitive customers’ details are entered, and payment is processed. It ensures security as no card details are entered or stored in the online store. The direct payment method allows users to enter their card details in the store. The payments are processed quickly in the direct payment method.
Consolidation of Payments
A payment gateway that helps to view the summary may improve your business and efficiency. Managing cash flows becomes much easier. It is simple to manage accounting and bookkeeping. Thus, integrating a payment gateway with your existing software is very beneficial.
Conclusion:
Now that you have a detailed guide to selecting the best payment gateways in USA, you are not stopping! Decide your budget and requirements for your business, check the details above and select the top payment gateways in the USA to offer your customers a secure and easy-to-use payment gateway.
I have curated the list of US payment gateways in the best possible manner, but if you think I have missed out on any payment gateway company in the USA that deserves to be on the list of top payment service providers in the US, do let me know in the Comments section below.
I’d be happy to know my readers’ opinions.
Also, I would be glad if you could share the post with your social media to help merchants find the top US payment gateway for their online store!
Thanks!
FAQs:
What is Payment Gateway?
Payment gateway software allows the customer to pay for goods or services online. Payment gateways are systems where the digital information from a credit card is transmitted securely back to the merchant, where they can verify and authorize the transaction.
How does a payment gateway work?
Payment gateways transmit financial data when people make purchases online or in person. The process is simple and involves the following steps: first, it accepts a shopper’s credit card numbers and other personal data. Second, it verifies the customer’s data and requests the card issuer (the bank) to authorize payment. Third, once approved, the payment gateway will transmit this information back to the retailer or merchant so they can complete their purchase transaction.
What are the main types of Payment Gateways in the USA?
There are mainly four types of payment gateways in the USA:
- Hosted payment gateway
- Self-hosted payment gateway
- API-hosted payment gateway
- Local bank integration payment gateway
Are there any best free payment gateways in the USA?
No, there is always a transaction fee to be paid while offering a payment gateway in your online store. However, if you are looking for the cheapest payment gateways in the USA or want to opt out of paying the transaction fee, you can transparently pass on this fee to your customer. They may pay the transaction fee for the payment method facility that you provide.
How to add a payment gateway on a website?
You may follow the documentation provided by payment gateways to integrate and set up a payment gateway in your online store. Or, you may hire an expert or agency to integrate and configure a payment gateway for your business. For Magento 2 store owners, Meetanshi offers a range of Magento 2 payment gateway extensions that integrate popular payment gateways with Magento 2 stores.
Related Post:
![10 Best Payment Gateways in USA [2024]](png/shivbhadrasinh-gohil.png){kind=avatar}
8 Comments
good
Thank You JudyLHanson!
How can I find out more about it?
Hello Beauty Fashion,
You can click on the particular payment gateway redirection URL and the more detail about the same will be there.
Very interesting blog
i like this
Thank you so much indeed for all the instructive information.
very impressive!