USA
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Population
Online users
Banked population
Top Payment Gateways in the USA
Check the comparison table with the best payment providers to make your perfect choice and understand which is the best payment gateway.
| Peyment gateway | Rate | Countries | Payment Methods | Fiat currencies, units | Website |
|---|---|---|---|---|---|
 2Checkout | 200 | 45 | 100 | Open |
The Best Payment Gateway in the USA: Top 10 Options
Payment portals are now the basis of online commerce in the USA. They enable safe and easy transactions for both consumers and businesses in the quickly-changing digital economy. Here are some vital facts about the industry:
- $1.6 trillion is the value of e-commerce sales in the USA.
- 80% of US citizens regularly use different payment gateways like e-wallets and mobile portals.
- 68% of consumers delete their shopping carts because of complicated transactional processes.
- 60% increase in Apple Pay and GPay use has been seen since 2020.
- 25% of businesses say about better sales because of the best US payment gateway providers.
E-pays in the USA are evolving giving new opportunities for consumers and businesses.
What is a Payment Gateway?
A gateway is a technology that acts as a middleman between a consumer and a retailer to enable safe online transactions. It guarantees adherence to security guidelines, encrypts private money data, and instantly approves payouts. The best payment gateways help companies to take digital transactions safely, increasing clients’ convenience and trust.
Factors to Consider When Choosing Gateway in the USA
Pay attention to these features - and be sure that you select the best online payment gateway.
Compatibility
Choose the gateway that simply integrates with your platform, mobile app or website.
Transaction Fees
Compare setup, processing and monthly rates. The best payment gateway services never implement fees over 3-5%.
Security
Check if the best payment system has modern encryption technology, PCI compliance and fraud detection tools to safeguard data.
Supported Payments
Select the best payment platforms that take a variety of transaction methods, such as digital wallets, credit/debit cards and other options.
Customer Support
Pick providers that can assist you 24/7 with any issues. Besides, check the available support sources.
PayPal
PayPal is famous for its widespread acceptance and easy-to-use interface. It also provides quick, safe and easy processing. It has more than 400 million active users, which makes it one of the most well-known payment gateways in the USA and worldwide.
| Characteristic | Details |
|---|---|
| Method | Credit and debit cards, bank transfers |
| Registration Documents | Email, bank account, credit card verification |
| Settlement Period | Instant or up to 1 business day |
| Mobile App | Yes |
| Onboarding Time | 1–2 business days |
| Customer Support | Email, phone, and live chat |
| E-commerce Platforms | Shopify, WooCommerce, Magento, and more |
| Other compatible apps | Accounting tools, CRMs, and invoicing software |
| Dashboard | Deep analytics and transaction tracking |
| MethodCredit and debit cards, bank transfers | |
| Registration DocumentsEmail, bank account, credit card verification | |
| Settlement PeriodInstant or up to 1 business day | |
| Mobile App Yes | |
| Onboarding Time1–2 business days | |
| Customer SupportEmail, phone, and live chat | |
| E-commerce PlatformsShopify, WooCommerce, Magento, and more | |
| Other compatible appsAccounting tools, CRMs, and invoicing software | |
| DashboardDeep analytics and transaction tracking |
Pros
- Quick setup
- Widely recognized by foreign clients
- Strong fraud prevention
Cons
- Limited customer service
- Higher fees
Stripe
The Stripe payment gateway in the USA provides powerful APIs for customized transactions. It supports 135+ currencies, which makes it a perfect choice for global businesses.
| Characteristic | Details |
|---|---|
| Method | Credit and debit cards, digital wallets, ACH transfers |
| Registration Documents | Business info, bank account |
| Settlement Period | 2–7 business days |
| Mobile App | Yes |
| Onboarding Time | 1–2 business days |
| Customer Support | Email, chat and FAQs |
| E-commerce Platforms | Shopify, BigCommerce, WooCommerce |
| Other compatible apps | CRMs and accounting tools |
| Dashboard | Detailed analytics and financial reporting |
| MethodCredit and debit cards, digital wallets, ACH transfers | |
| Registration DocumentsBusiness info, bank account | |
| Settlement Period2–7 business days | |
| Mobile App Yes | |
| Onboarding Time1–2 business days | |
| Customer SupportEmail, chat and FAQs | |
| E-commerce PlatformsShopify, BigCommerce, WooCommerce | |
| Other compatible appsCRMs and accounting tools | |
| DashboardDetailed analytics and financial reporting |
Pros
- Transparent prices with no hidden fees
- Convenient documentation
- Quick scalability for businesses
Cons
- Freezing funds in particular situations
- Limited assistance via phone
Square
It is a universal solution for P2P transactions among other great payment gateway options. Square is great for small and medium companies that need affordable hardware and a POS system.
| Characteristic | Details |
|---|---|
| Payment Method | Credit and debit cards, digital wallets, ACH payments |
| Registration Documents | Business info, bank account |
| Settlement Period | 1–2 business days |
| Mobile App | Yes |
| Onboarding Time | Same day |
| Customer Support | Email, phone and live chat |
| E-commerce Platforms | WooCommerce, Wix |
| Other compatible apps | POS tools, CRMs and analytics |
| Dashboard | User-friendly, with sales insights |
| Payment MethodCredit and debit cards, digital wallets, ACH payments | |
| Registration DocumentsBusiness info, bank account | |
| Settlement Period1–2 business days | |
| Mobile App Yes | |
| Onboarding TimeSame day | |
| Customer SupportEmail, phone and live chat | |
| E-commerce PlatformsWooCommerce, Wix | |
| Other compatible appsPOS tools, CRMs and analytics | |
| DashboardUser-friendly, with sales insights |
Pros
- Simple setup
- Free tools for small companies
- Accepts online and offline transactions
Cons
- Fewer features for large enterprises
- High fees for big transactions
Authorize.Net
It is an example of a payment gateway with a VISA solution for top security and easy integration. Authorize.Net is used in the US by companies of all sizes. This US payment gateway accepts different methods and has top fraud detection tools.
| Characteristic | Details |
|---|---|
| Method | Credit and debit cards, ACH transfers, digital wallets |
| Registration Documents | Merchant account, business info |
| Settlement Period | 2–3 business days |
| Mobile App | Yes |
| Onboarding Time | 1–3 business days |
| Customer Support | 24/7 support via phone and email |
| E-commerce Platforms | Shopify, Magento, WooCommerce, and more |
| Other compatible apps | Accounting software, CRM tools |
| Dashboard | Real-time transaction tracking and reporting |
| MethodCredit and debit cards, ACH transfers, digital wallets | |
| Registration DocumentsMerchant account, business info | |
| Settlement Period2–3 business days | |
| Mobile App Yes | |
| Onboarding Time1–3 business days | |
| Customer Support24/7 support via phone and email | |
| E-commerce PlatformsShopify, Magento, WooCommerce, and more | |
| Other compatible appsAccounting software, CRM tools | |
| DashboardReal-time transaction tracking and reporting |
Pros
- Reliable security measures
- Comfortable UI
- Perfect customer assistance
Cons
- Monthly fees
- Limited locations supported
Braintree
Braintree, the best payment gateway for a website, is owned by PayPal and is suitable for global payouts. It provides smooth integration, supports diverse currencies, and recurs billing for subscriptions.
| Characteristic | Details |
|---|---|
| Method | Credit and debit cards, PayPal, digital wallets |
| Registration Documents | Merchant account, business info |
| Settlement Period | 2–3 business days |
| Mobile App | Yes |
| Onboarding Time | 2–5 business days |
| Customer Support | Email and phone support |
| E-commerce Platforms | Shopify, Magento, WooCommerce, and more |
| Other compatible apps | CRMs, accounting tools, analytics platforms |
| Dashboard | Real-time analytics and transaction monitoring |
| MethodCredit and debit cards, PayPal, digital wallets | |
| Registration DocumentsMerchant account, business info | |
| Settlement Period2–3 business days | |
| Mobile App Yes | |
| Onboarding Time2–5 business days | |
| Customer SupportEmail and phone support | |
| E-commerce PlatformsShopify, Magento, WooCommerce, and more | |
| Other compatible appsCRMs, accounting tools, analytics platforms | |
| DashboardReal-time analytics and transaction monitoring |
Pros
- Global transactions support
- Convenient APIs for developers
- Affordable pricing for big companies
Cons
- May be expensive for small businesses
- Limited support
Adyen
It is one of the top United States payment gateways for online, mobile, and in-store transactions. Its platform accepts lots of options for global companies.
| Characteristic | Details |
|---|---|
| Method | Credit and debit cards, digital wallets, bank transfers |
| Registration Documents | Merchant account, business info |
| Settlement Period | 1–3 business days |
| Mobile App | Yes |
| Onboarding Time | 3–5 business days |
| Customer Support | Email, phone, and documentation |
| E-commerce Platforms | Shopify, Magento, WooCommerce, and more |
| Other compatible apps | CRMs, accounting software, analytics tools |
| Dashboard | Real-time transaction reporting and insights |
| MethodCredit and debit cards, digital wallets, bank transfers | |
| Registration DocumentsMerchant account, business info | |
| Settlement Period1–3 business days | |
| Mobile App Yes | |
| Onboarding Time3–5 business days | |
| Customer SupportEmail, phone, and documentation | |
| E-commerce PlatformsShopify, Magento, WooCommerce, and more | |
| Other compatible appsCRMs, accounting software, analytics tools | |
| DashboardReal-time transaction reporting and insights |
Pros
- Over 250 banking options
- Great tools for fraud prevention
- Instant payouts
Cons
- Complex fees
- Less support sources
2Checkout
This is one of the top 10 payment gateways in the USA offering perfect transaction solutions with simple implementation. 2Checkout suits businesses of all sizes supporting numerous options.
| Characteristic | Details |
|---|---|
| Method | Credit and debit cards, PayPal, digital wallets |
| Registration Documents | Business registration, tax info |
| Settlement Period | 2–3 business days |
| Mobile App | Yes |
| Onboarding Time | 2–3 business days |
| Customer Support | Email and phone support |
| E-commerce Platforms | WooCommerce, Shopify, Magento, and more |
| Other compatible apps | CRMs, analytics, accounting software |
| Dashboard | Customizable reporting and analytics dashboard |
| MethodCredit and debit cards, PayPal, digital wallets | |
| Registration DocumentsBusiness registration, tax info | |
| Settlement Period2–3 business days | |
| Mobile AppYes | |
| Onboarding Time2–3 business days | |
| Customer SupportEmail and phone support | |
| E-commerce PlatformsWooCommerce, Shopify, Magento, and more | |
| Other compatible appsCRMs, analytics, accounting software | |
| DashboardCustomizable reporting and analytics dashboard |
Amazon Pay
It is an Amazon gateway offering convenient and secure transactions for Amazon account holders. It is the best online payment gateway for small businesses and larger companies that provides convenient transactions with a familiar interface for clients.
| Characteristic | Details |
|---|---|
| Method | Credit and debit cards, Amazon balance |
| Registration Documents | Amazon seller account, business info |
| Settlement Period | 2–3 business days |
| Mobile App | Yes |
| Onboarding Time | 2–5 business days |
| Customer Support | Email, phone support |
| E-commerce Platforms | WooCommerce, Shopify, Magento, and others |
| Other compatible apps | Accounting, shipping, and CRM tools |
| Dashboard | Easy-to-use dashboard with transaction monitoring |
| MethodCredit and debit cards, Amazon balance | |
| Registration DocumentsAmazon seller account, business info | |
| Settlement Period2–3 business days | |
| Mobile App Yes | |
| Onboarding Time2–5 business days | |
| Customer SupportEmail, phone support | |
| E-commerce PlatformsWooCommerce, Shopify, Magento, and others | |
| Other compatible appsAccounting, shipping, and CRM tools | |
| DashboardEasy-to-use dashboard with transaction monitoring |
Pros
- Simple for Amazon customers
- Instant checkout
- Top security tools
Cons
- Not available for clients without Amazon accounts
- Limited acceptance worldwide
WePay
It is a payment gateway in the USA from JPMorgan Chase company for integrated payout solutions for platforms, software developers, and marketplaces. WePay is perfect for large companies with big ecosystems.
| Characteristic | Details |
|---|---|
| Method | Credit and debit cards, ACH transfers |
| Registration Documents | Business info, platform info |
| Settlement Period | 2–3 business days |
| Mobile App | Yes |
| Onboarding Time | Same-day |
| Customer Support | Email and phone support |
| E-commerce Platforms | Marketplaces, platforms, crowdfunding sites |
| Other compatible apps | CRM, shipping solutions |
| Dashboard | Simple analytics and reporting system |
| MethodCredit and debit cards, ACH transfers | |
| Registration DocumentsBusiness info, platform info | |
| Settlement Period2–3 business days | |
| Mobile App Yes | |
| Onboarding TimeSame-day | |
| Customer SupportEmail and phone support | |
| E-commerce PlatformsMarketplaces, platforms, crowdfunding sites | |
| Other compatible appsCRM, shipping solutions | |
| DashboardSimple analytics and reporting system |
Pros
- Great level of security
- Smooth integration with other services
- Tailored for platforms and marketplaces
Cons
- A limited number of supported countries
- Possible support issues
Apple Pay
It is an international digital wallet for Apple users among other payment gateway providers in the USA. It is a quick and secure way for online transactions and purchases in land-based stores.
| Characteristic | Details |
|---|---|
| Method | Credit and debit cards |
| Registration Documents | Apple ID, bank account information |
| Settlement Period | Instant or within minutes |
| Mobile App | Yes |
| Onboarding Time | Immediate when linked to an Apple device |
| Customer Support | Apple support (phone, chat) |
| E-commerce Platforms | Shopify, WooCommerce, and more |
| Other compatible apps | Accounting tools, CRM, and shipping solutions |
| Dashboard | Minimalistic, integrated within Apple devices |
| MethodCredit and debit cards | |
| Registration DocumentsApple ID, bank account information | |
| Settlement PeriodInstant or within minutes | |
| Mobile App Yes | |
| Onboarding TimeImmediate when linked to an Apple device | |
| Customer SupportApple support (phone, chat) | |
| E-commerce PlatformsShopify, WooCommerce, and more | |
| Other compatible appsAccounting tools, CRM, and shipping solutions | |
| DashboardMinimalistic, integrated within Apple devices |
Pros
- Improved security with biometrics
- Strong fraud prevention
- Widely accepted in almost all online and offline stores
Cons
- Available only for Apple users
- Possible compatibility issues
FAQ
Which payment gateway is best?
Choosing payment gateway US depends on your business size and needs. PayPal and Stripe may be perfect options with their flexibility, convenience, and global acceptance.
What is the easiest payment gateway?
Square is a great USA payment gateway providing a simple setup, convenient UI, and smooth integration.
Which payment method is mostly used in the USA?
Credit and debit cards are the most popular payment gateways in the USA. Customers mostly use VISA and Mastercard via PayPal, Apple Pay, and other options.
