To conduct business, any eCommerce website must have a few key qualities. Perhaps the most important of all is a means of payment. If you can’t accept online payments, your main purpose of producing money is unattainable. In today’s competitive internet industry, having one method of accepting payments is needed, but having numerous methods may provide you an advantage.
eCommerce firms can choose from a variety of online payment methods, each promising a simple and secure checkout process. To make sure you’re providing the best payment methods to your visitors (and capturing as many sales as possible), here’s the main information you need to know about online payment methods and the top options available.
While it is feasible to get by with just one secure and simple online payment option, many customers are beginning to expect to use their preferred payment methods on sites all across the internet.
Customers are increasingly able to checkout on a variety of websites without having to spend time entering all of their payment and address information for each purchase, thanks to the growing popularity of services such as PayPal, Square, and Apple Pay. Instead, users merely need to log into a standard account, and in many circumstances, they may not even need to do so if their device remembers it.
Furthermore, eCommerce in the United States increased from 10.8% in the second quarter of 2019 to 16.1% in the second quarter of 2020. To perform such transactions on online platforms, business owners want fast, secure, and efficient payment gateways in the United States. The greatest payment gateways in the United States can assist you in gaining the trust of your consumers. It ensures your brand’s credibility with your customers. But how can you tell which are the best? Don’t be concerned. Because we have compiled a complete list of payment gateways in the United States.
A fast, secure, and effective payment gateway will assist you in streamlining your online business in order to meet your goals and objectives. And we have identified the best payment gateway providers in the United States. So, without further ado, let us begin.
1. PayPal Payment Gateway
PayPal is the most popular payment gateway in the USA as well as across the world. It has a large pool of active users that use their payment gateway daily to send and receive payment. PayPal was founded in 1998 and since then it has become the most widely used payment gateway in the USA. Is one of the oldest and top payment gateway providers in the USA.
PayPal’s payment gateway for businesses can support over 100 currencies which makes it the best payment gateway in the US for international transactions. Along with PCI compliance, PayPal offers express checkout, barcode scanning, bill me later, mobile card reader, credit card reader, and lots of other features. Also, the withdrawal from PayPal is quite easy and fast and merchants can withdraw funds within minutes after paying a little fee.
| Pros | CONs |
| The activation and integration process is fast | Activation and integration process is fast |
| Support 100+ currencies | Redirection to PayPal for payment completion |
| Top-notch security features | |
| Offer 24/7 customer support in 17 languages | |
| Fast fund withdrawal system |
Pricing:
- Zero Setup or monthly fees
- Inside the US: 2.9% + fixed fee based on currency per transaction
- Outside the US: 4.4% + fixed fee based on currency per transaction
- 1% to a maximum of $10 for instant fund withdrawal
2. Authorize.Net
Next on our list of top payment gateways in the USA is Authorize.Net. Authorize.net is one of the most popular payment gateways in the USA and is best suited for small businesses. If you already own a merchant bank account, then their payment gateway solution is the cheapest payment gateway in the USA. Founded in 1996, Authorize.net has a top-notch infrastructure and offers advanced measures for fraud protection.
Read Also: What Are The Most Common Online Payment Systems?
Authorize.net can accept all the major card providers around the world which makes it one of the best payment gateways in the USA. It has an inbuilt account updater and electronic check processor that make the payment processing more effortless & flexible. It is also a popular payment gateway in other countries like the UK, Canada, Europe, and Australia.
| PROs | CONs |
| Accept all major cards | The user interface is not user-friendly |
| Advanced Fraud Protection System | |
| Account Updater & e-check processing | |
| 24/7 Support Available | |
| Recurring Billing |
Pricing:
For Payment Gateway Only solution (for merchant having a merchant bank account)
- Zero setup cost
- $25 gateway fee per month
- 10¢ charge per transaction
- 10¢ daily batch fee
For All-in-one solution (for merchant without a merchant bank account)
- Zero setup cost
- $25 monthly gateway charge
- 9% + 30¢ per transaction
3. Stripe Payment Gateway
In contrast to other top payment gateways in the USA, Stripe comes out as an innovative and leading payment gateway. Stripe is an API-based cloud payment gateway provider in the USA. The range of APIs provided by Stripe gives merchants full control over what payment method they want to integrate. Their payment solutions are best suited for SMBs and startups who want to scale their business at a later stage of their growth.
The Stripe payment gateway offers world-class security features & fraud protection measures. It supports over 135+ currencies for accepting and processing payments. Stripe offers features like consolidated checkout, a custom UI toolkit, a mobile interface, recurring payments, 24/7 technical support, and others. Also, it is one of the most secure and PCI-compliant payment gateways in US.
| PROs | CONs |
| Accepts & Processes 135+ Currencies | Dispute Management Timelines are usually long |
| Operational in around 42 Countries | No phone support available |
| API-based method to integrate multiple options | |
| 24/7 customer support | |
| Fund Withdrawals in Minutes |
Pricing:
- Zero setup cost
- No monthly, or hidden charges.
- Per transaction 2.9% + 30¢ for cards or digital wallets.
- Per transaction 3.9% + fixed fee for international cards. (1% additional for currency conversion if required)
- 1% for instant fund withdrawal
4. 2Checkout
2Checkout or 2CO is also one of the popular payment gateways in the USA which recently got acquired by VeriFone. VeriFone is a global leader in commerce & payment solutions. Both 2CO and VeriFone have the same vision to provide simplified & modern commerce solutions as well as enable hassle-free payment. After the acquisition, both have the benefits of financial strength, scalability, relationships, resources, and market potential.
The payment gateway from 2CO can accept payments from 200+ countries and territories. Depending on the plan you choose, it offers 45+ online and offline payment methods. Along with support for 29+ languages, 2checkOut can process payments in 100 currencies which makes it a popular choice of business owners in the US. Their all-in-one solution’s charges are high making it not one of the cheapest payment gateway in the USA.
| PROs | CONs |
| Accepts Payments from 200 Countries/Territories | Prohibits certain products from selling |
| 29+ Language supported for checkout | |
| Support for 100 currencies to process payments | |
| Provides 45+ online/offline payment options | |
| Advanced Fraud protection and Management |
Pricing:
The 2CO payment gateway offers 3 plans namely 2Sell, 2Subscribe, and 2Monetize.
- For 2Sell plan, charges are 3.5% + $0.35 per transaction.
- For 2Subscribe plan, charges are 4.5% + $0.45 per transaction.
- For 2Monetize plan, charges are 6.0% + $0.6 per transaction.
5. Amazon Pay
Amazon started payment services back in 2007 for its user base to transact hassle-free on its platform. And since then it has become one of the most popular payment gateways in the USA. It not only allows users to pay merchants on Amazon but Amazon users can also pay securely on external websites and apps.
Amazon provides payment services in over 18 countries with extensive support for processing multi-currencies. In 2019, Amazon Pay partnered with WorldPay to enable its clients to integrate Amazon Pay for accepting payments. The payment gateway is loaded with tons of amazing features that fascinate users to shop and pay using Amazon Pay.
| PROs | CONs |
| Helpful for bringing loyal customers back | Sometimes, fund withdrawal take 2-3+ days |
| Significant increase in conversions | |
| Regular feature upgrades | |
| Promises A to Z customer protection | |
| Amazon’s own fraud detection system integrated |
Pricing:
- No setup & hidden fees
- Per transaction 2.9% + $0.3 inside US through web & mobile, 4% + $0.3 through Alexa
- Per transaction 3.9% + $0.3 outside US through web & mobile, 5% + $0.3 through Alexa
6. PaySimple
PaySimple is a new-age payment gateway provider in the USA. Is a SaaS-based platform that aims to strengthen small and medium enterprises & eCommerce business owners. Their payment solutions are very useful particularly for omnichannel retailers to accept online and in-store payments. PaySimple’s payment gateway offers customers to quick and easy way to pay.
This modern payment gateway in the United States accepts all the major credit cards and e-check payments. It can also streamline billing with recurring billing, manage customer profiles efficiently, a mobile app for payments, PCI DSS compliance, etc. The only cache is that it is only for businesses based in the US.
| PROs | CONs |
| Ideal for small service-based industries | Lots of hidden charges |
| Easy to set up and activate | Not supported for International brands |
| Customer support is on par | |
| E-check processing & payment | |
| No termination fees |
Pricing:
- Monthly Price of $59.95.
- 49% per transaction on credit cards
- $0.60 + 0.20% for ACH/eCheck processing
7. SecurePay
SecurePay is one of the most secure payment gateways in the USA. It is a product of an OLB Group which is a leading merchant service and software development company. The SecurePay payment gateway addresses all the needs for eCommerce to connect the merchant’s online store with their secure servers for making payments.
SecurePay is PCI PCI-compliant payment solution that securely processes, transmit & store card data for payments. It is built with security, reliability, and innovation which makes it a trustworthy choice for merchants. It also offers features like recurring billing, 24/7 support, API support, and a fraud protection system.
| PROs | CONs |
| Best for small industries | No details on pricing |
| Secure online and offline payments | Not one of the popular payment gateways in USA |
| Supports numerous payment options | |
| Recurring billing | |
| PCI compliance |
Pricing:
- No pricing details are available on the website.
8. Braintree
Braintree is the next on our list of payment gateway providers in the USA. Founded in 2007, Braintree is owned by PayPal and after the acquisition, it has expanded to over 45+ countries/regions including the United States. Braintree can accept payments in Bitcoin in partnership with Coinbase. It specializes in offering mobile and web payment gateway for eCommerce companies.
Braintree comes with features like 3D secure, advanced fraud protection measures, Level 1 PCI compliance, Braintree Vault for data encryption, and others. The best thing about Braintree is that it allows buyers to pay using various methods like PayPal, Venmo, Google Pay, Apple Pay, MasterCard, Visa, American Express, etc.
| PROs | CONs |
| 24/7 customer support on phone and email | Long account setup time |
| 3D secure and Advanced fraud protection system | Not one of the cheapest payment gateway in USA |
| Number of options available for payments | |
| Accepts Bitcoin as Payment | |
| Level 1 PCI Compliance |
Pricing:
- No setup, monthly, or hidden fees
- Per transaction charges are 2.9% + $0.3 for all major credit/debit cards and digital wallets.
- 75% up to $5 for ACH direct debit.
- For detailed pricing info, visit here.
9. DigiPay
DigiPay is one of the top payment gateways in the USA. They boast of a team of award-winning innovators with curated payment & technology knowledge. The founder of DigiPay – Mike Ackerman – wanted an independent payment gateway that is in accordance with the banks and technology. DigiPay Clients have access to senior managers to ensure a risk-free & healthy merchant account.
DigiPay’s payment gateways in the US will enable merchants to accept and process a multi-currency checkout option. It offers real-time payment processing, PCI compliance, 3D security, recurring billing, advanced fraud protection measures, seamless integration, and others. They also offer mobile payments with real-time reporting and authorization.
| PROs | CONs |
| Data Vault to store customer information securely | Fairly new |
| Award-winning chargeback & fraud management | Transaction charges are not available |
| PCI compliance | |
| Seamless integration | |
| Multi-currency checkout |
Pricing:
- The website does not mention the transaction charges merchants have to pay.
10. BlueSnap
Last but not least on our list of payment gateways in the USA is BlueSnap. It offers an all-in-one payment solution that helps to elevate B2B/B2C commerce. It is best suited for small businesses to even large enterprises that need online payment processing integrated into their system. BlueSnap strives to provide a better way to accept payments, design customer experience, and grow your business.
BlueSnap payment gateway offers online as well as mobile sales, marketplaces, invoice payments, automated accounts receivable, subscriptions, etc. It also includes 100 types of payment options including support for digital wallets. BlueSnap has top-notch fraud protection & prevention measures to protect sales.
| PROs | CONs |
| Support for over 100+ currencies to accept & process payments | After-sale support is not on par |
| Support for 100+ payment types | Not beginner-friendly. |
| A top-notch fraud protection system | |
| Automated recurring billing | |
| Easy to integrate APIs and library for SDKs |
Pricing:
- No setup, cancellation, or additional fees for eWallets
- Per transaction charge are 2.75% + $0.3 for US Visa/Mastercard transactions.
- Monthly fee waiver if the transaction value is greater than $2500/month.
As you can see, you have options when it comes to getting paid. But it’s less about selecting the best one and more about deciding how many alternative online payment methods you want to offer your consumers.
If adding extra payment alternatives to your checkout process makes purchasing things from you faster and more convenient, you’re likely to notice an increase in sales—so the actual question may be, can you afford not to add more payment options?
