Top Payment Gateways In The USA

Payment Gateways in The USA
Share this:

Developing a great website with a variety of products is not enough for a fine user experience. The most important part of making a purchase is the check-out process. A smooth transaction process is a major part of online shopping experience and hence it is an indispensable and vital step to choose a suitable payment gateway for a website. 

There are a lot of factors that one must consider before integrating a payment gateway to the website. 

Security is the foremost factor that is involved in the process of online transactions and hence a credible payment gateway is much needed. No user would give sensitive details if things seem doubtful. 

One must take into consideration all accepted payment methods by the payment gateways as more the number of payment methods, more sales it will bring in. The costing of a payment gateway is another important factor. One should choose a payment gateway according to the size and needs of one’s business.

Smooth integration of a payment gateway with the platform in use is another important aspect that should be considered while choosing a payment gateway. There are some gateways that can be customized according to the site and hence provide a better experience to the customers. 

Below are the top payment gateways that serve in the United States:

1. Amazon payments

Amazon was already a big name before it entered into the realm of payment wallets. There are millions of customer accounts on Amazon pay and it makes use of the already existing information of a user to process payments. Hence, making the payment process simpler and smoother. This payment gateway is API integrated, so, one can customize it as required. 


  • Fraud detection 
  • Customer verification
  • No additional cost for its A-Z guarantee

Processing fees:

2.9% + $0.30 is charged for every domestic transaction. 

Renowned brands using Amazon Payments:

Woot, Bombas, Kylie Cosmetics, The Ridge and Fashion Nova

2. PayPal

PayPal is a highly recognizable payment gateway all across the globe and has been into the business for a very long time. It is a widely accepted electronic payment method in the country. PayPal is absolutely free for buyers while merchants need to pay a small amount of transaction fee. PayPal provides different solutions for different sizes of businesses with their multiple versions of the gateway. 


  • Setup can be done in as less as 20 minutes and no setup fee is required
  • Payments need to be done only after the purchase
  • Exclusive features and smooth interaction

Processing fees:

2.9% + $0.30 for every credit card transaction.

Renowned brands using PayPal:

Adidas, Etsy, Disney, ASOS and Bosch Group


Start-ups usually do not want to invest a lot of capital; Stripe comes as a great option to support them. It does not have any set-up fee or monthly charges and is very suitable for WooCommerce integration. Though Stripe requires a good amount of development skills to be implemented but once it’s done, everything is handled by them. 

Stripe is limited to the merchants in Canada, Australia, the UK, the USA, and some European countries.


  • All transactions are handled on the site
  • Money is transferred to the bank on a two-day basis.

Processing fees:

2.9% + $0.30 per transaction and other charges are on a ‘pay as you go’ basis

Renowned brands using Stripe:

Udemy, Coursera, Reddit, Monzo, and Lyft

4. PayU

PayU rooted itself by making e-commerce payments easier and provided simpler solutions. It is known for its best conversion rates and for accepting various payment methods. It combines numerous claimant banks in a single interface and hence, making it easy for the merchants as there is no need for handling virtual POS integrations with every single bank.


  • Complies to high PCI and DSS standards and ensures security
  • Auto-reads the OTP on behalf of the customers
  • Allows skipping keying for customers that have already used it

Processing fees:

2.9% + $0.30 per transaction

Renowned brands using PayU:

Netflix, Airbnb, BookMyShow

5. 2checkout

2checkout accepts payment by credit cards, PayPal and debit cards. Unlike some gateways, it does not require any set-up charges or monthly fees and has an easy-on-the-pockets cost structure. 2checkout processes credit cards directly on the merchant’s site and improvises user experience.  It supports 15 languages and about 87 currencies and hence is suitable for international merchants.


  • Supports various languages and currencies with a sandbox feature, connecting one to the marketplaces
  • Customization onto one’s site is easy

Processing fees:

2.9% + $0.30 per domestic transaction

Renowned brands using 2checkout:

myFICO, Bitdefender, Advisera

6. Paysimple

PaySimple is considered to be an efficient payment gateway for small and mid-sized e-commerce stores. It accepts all major credit cards and e-checks too across a number of platforms. The basic subscription plan by PaySimple starts from $49.95 per month.


  • Can be used on iPhones and iPads
  • Easier for customers to set up recurring billing schedules

Processing fees:

2.49% + monthly fees, $0.60 + 0.20% for ACH/e-check processing

Renowned brands using PaySimple

AllMeds Inc, West Shore Homes, Joist and LinkedIn

7. BlueSnap

BlueSnap is a dedicated payment processor and supports numerous languages and currencies. It can be easily combined with various marketplaces and shopping cart platforms while allowing direct payments. It can also be used to create applications for gaming, SaaS and more on different devices.


  • MasterCard or credit card data is not required to be filled by clients to make payments
  • Subscription billing engine is another noticeable feature of BlueSnap that allows payments without entering card details

Processing fees:

3.9% + $0.30 per domestic transaction

Renowned brands using BlueSnap:

 Vodafone, Semrush, Cakemail, and Autodesk 

8. WePay

WePay makes payments seamless and offers customizations through its API integration. It supports the specific needs of a merchant to set-up a payment gateway for his E-commerce site and is well suited for Magento. Its unique module makes it easy for customers to get refunds and make the process effortless. WePay does not charge any set-up fee or monthly fee.


  • Supports various payment methods including Apple Pay
  • Offers efficient support for businesses that integrate WePay
  • Conforms highly to PCI-DSS certification

Processing fees:

2.9% + $0.30 for every transaction

Renowned brands using WePay:, Classy, Builder Trend, Event Zilla, and Gofundme

9. Braintree

Braintree, that is under PayPal, is amongst the largest payment processors in the world. It supports various payment methods like PayPal, credit/debit cards, Apple pay and more. It stores the billing data securely and uses it for recurring billings and hence, enriches user experience. One can integrate Braintree using its Drop-in UI or can customize it according to one’s own requirements.


  • Supports the use of multiple currencies
  • Supports extensive integrations
  • Provides advanced levels of fraud detection and protection

Processing fees:

2.9% + $0.30 per transaction

Renowned brands using Braintree:

Uber, GitHub, Yelp and Dropbox


The United States is home to the maximum number of merchants that use Authorize.Net. Authorize.Net does not levy any setup charges but one has to pay an amount of $25 every month as the membership fee. It is considered to be the most suitable option for Magento based stores. One can have customized checkout pages for an enriched shopping experience for users.


  • They accept a vast list of payment options 
  • Advanced fraud detection suite is a free of cost safety service by them
  • Vast range of currencies are supported

Processing fees:

2.9% + $0.30 for each processed order

11. BluePay Processing LLC

Even though being new in the game, BluePay has gained fine credibility and a name in the market. It accepts payments by credit cards and e-checks. BluePay has a high and advanced level of data security that makes it a desirable payment gateway option. It charges an amount of $15 as a monthly fee.

12. is considered to be a good option for start-ups and small firms. This payment gateway does not charge any set-up fee but one needs to pay is an amount of $10 every month. Though is a young payment gateway, it has gained a lot of merchants already. More than 5200 shopping carts are served by it. only offers credit card processing.

13. Paynova

Paynova is another new one in the realm of payment gateways and offers about 21 payment options. It is a Swedish service and requires the merchant to sign-up to gain access to its services. It is best considered for small scale businesses as its costing is affordable.

There are myriad gateways that one can choose to integrate with a website and get the business going but one must make sure to carefully look into the requirements to select the best-suited payment gateway. While there are a lot of options available, don’t forget to take into consideration the platform being used, so, the integration process is done smoothly!

Share this: