10 Best Payment Gateways in USA [2022]

Setting up an online E-commerce store for your business is very common these days. However, it ain’t an easy task. You have to select the best CMS for your online store, choose the top payment gateway in your region, create products, create their marketing campaigns, and much more.

However, selecting the best payment gateway is the crucial part. A payment system in place is something that you cannot risk while setting up an online store. Your payment system can either make or break a business.

If you are a business in the US, you have multiple options to choose from among the top payment gateways in USA. Based on factors like easy integration, compatibility with your CMS, security, pricing, and ease of use, you need to select the best US payment gateway from the list.

It ain’t an easy task when you have a long US payment gateway list.

Table of Contents

I know that and hence I have compiled a post for you to go through and select the best payment gateways in USA that will enhance the security in online payments, customer experience, and increase sales!

Go through the list of top 10 payment gateways in USA, select the best fit for your online store, and integrate the payment gateway with your store to start capturing secure online payments from customers!

Also read:

Top 10 List of Payment Gateways in USA:

  1. PayPal
  2. Authorize.Net
  3. Stripe
  4. 2Checkout
  5. Amazon Pay
  6. PaySimple
  7. WePay
  8. Braintree
  9. Payline
  10. WorldPay (Direct)

Comparing Best Payment Gateways in USA

Payment GatewayTransaction FeesSupported Payment MethodsSecurity FeaturesRecurring PaymentsPartial PaymentsContact
PayPal4.40% + Fixed fee
  • PayPal balance
  • Bank account
  • PayPal Credit
  • Debit or credit cards
  • Rewards balance
Secure HTTPS connections, Strong TLS configurations, and PCI-DSSYesYes 

https://www.paypal.com/in/smarthelp/contact-us

 

 

Authorize.net$25 monthly + 2.9% + 30¢ per transaction
  • Debit/Credit Cards: Visa, MasterCard, Discover, American Express, and JCB
  • PayPal
  • Others: Visa Click to Pay, Apple Pay, and eCheck
13 fraud detection filtersYesYeshttps://www.authorize.net/en-us/support.html
Stripe2.9% + 30¢ per transaction
  • Debit/Credit Cards: Visa, Mastercard, and Maestro
  • Mobile Wallets: Alipay, Apple Pay, Google Pay, Microsoft Pay, Click to Pay, and WeChat pay
  • Bank Transfers
  • Bank Redirects
HTTPS and HSTSYesYeshttps://stripe.com/in/contact
2Checkout (Verifone)Starts at 3.5% + $0.35

per transaction

  • Credit/Debit Cards: Visa, Maestro, American Express, Eurocard, Bancontact, Diners Club, Discover, and JCB
  • Digital Wallets: PayPal, Alipay, Apple Pay, Webmoney, WeChat Pay, Skrill Wallet, and Neteller
  • Online Banking: SOFORT Banking, Giropay, iDEAL, OP-Pohjola, Nordea, and more
  • Direct Debit
  • Offline Payments
PCI-DSS Level 1 compliant, PSD2, BBR Accreditation, and SSAE 18 compliantYesYeshttps://www.2checkout.com/contact/
Amazon PayDomestic Transactions:

2.9% + $0.30 per transaction

 

International Transactions:

3.9% + $0.30 per transaction

  • Credit/Debit Cards: Visa, Mastercard, Discover, American Express, Diners club, and JCB
  • Others: Amazon Store Card
HTTPS secure, TLS and SSLYesYeshttps://www.amazonpay.in/contact
PaySimpleCredit card:

2.49% per transaction + monthly fees

 

ACH/ eCheck:

$0.65 + 0.20%

  • Credit card
  • ACH Payments
PCI-DSS compliantYesNohttps://paysimple.com/contact
WePayCard: 

2.9% + 30¢ per transaction

 

ACH:

1% + 30¢ per transaction

  • Debit/Credit cards
  • ACH Payments
Level 1 PCI compliantYesNohttps://support.wepay.com/hc/en-us
BraintreeCards and digital wallets: 2.59% + $.49 per transaction

 

Venmo: 3.49% + $.49 per transaction

 

ACH Direct Debit: 0.75% per transaction

 

Click here for Paypal fees

  • Digital Wallets: PayPal, Venmo, Apple Pay, Google Pay, and more
  • Credit/Debit Cards: American Express, Discover, Mastercard, Visa, and UnionPay
  • Bank Directs: Bancontact, BLIK, iDeal, eps, GiroPay, MyBank, P24, Sofort, and Trustly
  • Direct Banking: ACH direct
  • Wallets: Apple pay, Google pay, Samsung pay and Secure remote commerce
PCI-DSS compliant Level 1YesYeshttps://www.braintreepayments.com/contact
Payline2.25% transaction cost
  • Credit Cards: Visa, MasterCard, American Express
PCI compliantYesNohttps://paylinedata.com/signup-today
WorldpayFrom £19/month for 350 transactions

View more

  • Credit Cards: American Express, Diners Club, Discover, JCB, MasterCard, and Visa

 

  • Debit Cards: VisaElectron, Carte Bancaire, MasterCard, and Visa
  • Paypal
Secure HTTPS connections, Strong TLS configurations, and PCI-DSSYesYeshttps://www.fisglobal.com/en-gb/merchant-solutions-worldpay/get-in-contact

 

Best USA Payment Gateways in 2021:

PayPal

10 Best Payment Gateways in USA [2022] 1PayPal is undoubtedly the best payment gateway for 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.

PayPal marks 20+ years of experience in the payment industry with a presence in over 200 markets around the globe. Also, PayPal supports 100+ currencies that allow your business to reach a wider customer base.

Using PayPal for your business allows you to leverage the diverse tools that help run a successful and profitable store. Make it very easy for your customers to pay you anywhere and anytime, owing to which PayPal tops the USA payment gateway list!

With PayPal payment gateway, the store owners can offer their customers buy now, pay later facility to increase sales and improve customer experience. 

Additionally, PayPal offers a recurring payments facility, professional invoices, and streamlined payment operations for your business!

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 that 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 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

10 Best Payment Gateways in USA [2022] 2Authorize.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 Authorize.Net payment solution, your business can offer various payment options to the 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 payment gateway providers in 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

StripeStripe is an Irish American financial service headquartered in San Francisco and Dublin. The company offers one of the reliable payment processors in USA for E-commerce stores and mobile applications.

The Stripe online payment gateway is trusted by millions of companies in more than 120 countries including Amazon, Google, Microsoft, Shopify, Uber, Spotify, Slack, National Geographic, and many more.

The company was launched in 2011 and has come a long way to nail all the sectors like B2B, B2C, E-commerce & Retail, software as service, and Non-profit & Fundraising. Now, Stripe has millions of its users from 14 global offices with more than 4,000 employees.

90% of US adults have bought from businesses using Stripe! Leveraging the popular payment gateway for your business is a guaranteed revenue increase and an improved payment system!

Stripe offers a hosted payment solution with an embeddable UI toolkit, invoicing, and third-party integration support.

The Stripe payment gateway 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 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 out of this list

Contact:

Send your queries here.

2Checkout

2Checkout2Checkout is a Verifone Company founded in 2006 with more than 20,000 clients served now from 4 global offices and serving in 180 countries.

The company handles over 1 billion transaction volumes every year. Moreover, here are the popular titles earned by 2Checkout that is responsible to make 2Checkout to the top 10 list of 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 has won many prestigious awards in the payment gateway industry like:

  • 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, one of the top payment gateways in US, in your online business payment system is sure to maximize the revenue and collect secure online payments from global customers.

Features:

  • Supports subscription billing
  • Customized checkout
  • Account updater

Pros:

  • Integrate more than 100 online carts & systems
  • Supports 87 currencies
  • Supports 15 languages

Cons:

  • A bit costly

Contact:

Send your queries here.

Amazon Pay

Amazon PayAmazon Pay is an online wallet-based payment service that facilitates customers having an Amazon account to capture payments through their Amazon Pay balance. It makes it easy for millions of people to pay for products and services by using the information stored in your Amazon accounts. 

Amazon Pay was launched in 2007 and is owned by Amazon. By March 2021, they have expanded their services in many countries such as Japan, France, Germany, Denmark, and many more. 

The payment gateway has around 33 million users and is working to convert millions of existing customers to dedicated Amazon Pay users. 

Top 64 companies such as BigCommerce, Brooklyn, Chico’s, Forever 21, Magento, and many more have been using Amazon Pay, one of the most popular payment gateways in USA for their business.

Amazon Pay works smoothly with your site and is specially optimized for mobile applications thus, making it easier for the shoppers. In addition, it is equipped with Alexa skills similar to talking that allows users to add products and make wish lists by using voice. 

They 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

Pay SimplePaySimple is a cloud-based payment gateway that offers business owners to capture payments, manage their customers, and automate billing processes. It has helped over 17,000 business owners to accept payments and sell online, since 2006. 

At present, the PaySimple payment gateway is used by business owners in the United States for the one making payments in USD. Some of the well-known companies such as Travelbound, Cutting Edge Elite, Weberolcese, etc. have been effectively using the PaySimple payment gateway. 

PaySimple payment gateway offers various payment modes such as online, in-person, mobile, and credit cards. It is possible to generate businesses by capturing payments using online storefronts, and payment forms. 

PaySimple payment helps in managing business by using mobile apps for iOS and Android. It is also possible to set schedules for recurring bills for the customers visiting physically to the store. 

The payment gateway provides real-time performance, preparing customized and visual reports. The method facilitates streamline billing in various ways such as by automated billing schedules, directly collecting payments from customers, and setting up 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

WePayWePay is specially used for small businesses to make payments quickly and easily. WePay, a Chase company has brought innovations and reliable integrated payments providing banking solutions. 

The payment gateway was founded in 2008 making payment processes much easier and simpler. It was acquired by JPMorgan Chase in 2017, for connecting its fintech technology with the power of the bank. 

The customers can focus on their core strategy by capturing flexible, integrated payments using APIs such as referral, white label. WePay has served many top companies such as BigCommerce, FreshBooks, Constant Contact, Keap, etc. 

It offers fraud and protection services making use of a risk prevention system. Fraud can be easily detected using social data collections, machine learning algorithms. 

The key benefits of using WePay is it helps in increasing the revenue of our businesses. It is possible to set up your devices running quickly using a 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

BraintreeBraintree, one of the payment gateway companies in USA, specializes in mobile and web payment systems for e-commerce companies. It was acquired by PayPal on September 26, 2013. 

Braintree is basically a set of tools used for accepting and processing cards, wallets like Apple Pay, Google Pay, and many more. The key benefit of using Braintree payment gateway is that it prevents fraud, and helps in managing data security. 

Braintree provides a solution that overcomes various challenges that are faced while making payments. It mainly extends three types of partnerships: transaction services, rewards and loyalty, and contextual commerce. 

Data security is one of the key factors that need to be taken care of. It is done by using the Braintree vault, where the payment information of the merchants is stored securely. It even helps in identifying and reacting to the potential threats. 

It is used as a payment platform by some of the most leading brands like Uber, Dropbox, GitHub, Yelp, StubHub, etc. 

Braintree offers to store information for repeat customers to automatically take information for each billing cycle using Recurring Billing. 

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

PaylinePayline is also known as Payline Data Services and is a Chicago-based merchant processor. It was founded in 2009 by Jeff Shea and provides 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 it is easily managed by the Payline payment gateway. It is even possible to manage multiple accounts using a single payment account and select the transaction path based on advanced load balancing directives. 

The feature-rich payment gateway includes batch processing, project management, time tracking, and many more. It offers software such as Invoicing, Recurring Billing, 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 (Direct)

Worldpay DirectWorldPay is the UK’s biggest payment provider having thousands of customers ranging from small businesses to large enterprises. It was founded in 1997 as an online multi-currency payment system. It even helps in expanding all over the world as they accept payments in more than 120 currencies. 

It helps prevent fraud and has the expertise of over 25 years for accepting payments in various payment types. The added benefits of the payment gateway are fast payouts, better cash flow, recurring payments, and robust systems. 

If you are a Magento 2 store, integrating Meetanshi’s Magento 2 Worldpay payment gateway with Magento 2 store helps in capturing online payments more securely. It even provides an easy refund system and one step checkout process to improve their customer experience and user experience. 

The payment gateway is even beneficial to drive more sales. This helps in attracting more customers from various countries and allows doing business in multiple countries. The transactions carried out through the payment process are free from threats and the customers do not have to worry about fraud. 

Features:

  • Expert support
  • Simple order management
  • Webhook notifications

Pros:

  • Fast payouts
  • Supports recurring payments
  • Robust system

Cons:

  • Offers a little support for chargebacks

Contact:

Send your queries here.

Other Most Popular Payment Gateways in USA:

NETinfo PAY

NETinfo PayNETinfo Pay is one of the secure, convenient, and fast ways to pay either at the store or online. It even helps in sending and receiving money instantly, managing your bank accounts. 

This payment gateway can be considered as the cheapest payment gateway in USA as it has the lowest transaction fee and is available on both Android and iOS. 

Leverage the payment gateway to have a fast, and seamless payment experience for your clients. The procedure of implementation is very simple and free of cost. It is possible to have instant access to your funds and can manage your funds 24/7. 

You can pay at any store and should hold the payment near the terminal. Thus, after that, you can accept the payment request. You can manage and connect your bank accounts very easily using NETinfo Pay. It is even possible to verify your account balance and history using this payment gateway. NETinfo Pay also offers rewards at the time of making purchases or completing the challenges. 

NETinfo Pay is trusted by many top companies like Pyxida, Soeasy stores, The Mall Kiosk, Tobiana, and many others. You can also join these popular brands in providing the best payment experience to customers if you are a Magento 2 store using Meetanshi’s Magento 2 NETinfo Pay extension that integrates NETinfo Pay payment gateway with Magento 2.

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 labor cost 

Cons:

  • There might be technical problems

Contact:

+357 22 753636

Send your queries here.

Paya

payaPaya 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 $30billion 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. Using Paya Payments, you need better ways to provide seamless payment options to your customers. 

Offering better payment solutions help to promote better end experiences. Paya Payment businesses can issue invoices, and can easily make payments through various channels.

For allowing customers to make payments seamlessly and securely, Meetanshi has developed Magento 2 Paya Payments for ease and a mobile-friendly UI for making payments online in Magento 2 store. It integrates the Paya payment gateway with Magento 2.

Also, Magento 2 Paya Connect extension integrates Paya Connect with Magento 2 to accept secure online payments.

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

PaytracePaytrace is one of the safest and easy-to-use payment processing services that was founded in 2004. The headquarters are situated in Spokane, Washington. They provide the best services to their customers with the utmost security and at very low costs. 

Paytrace payment gateway is used by more than 24000 users offering a user-friendly way of accepting payments online. It has a simple payment processing system that can be paid either with or without a card. It is also provided with multiple reporting options and helps to prevent fraud. 

Paytrace has received a Patriot Award from employer support. The added advantage is that it is PCI certified. This payment gateway makes it easy for the customers that make a direct transaction. As a result, they do not have to leave the store to make the payments.

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 costly

Quickbooks

QuickbooksQuickbooks is an accounting software package developed by intuit. Intuit was founded in 1983 by Scott Cook and Tom Proulx. They are mainly used for small and medium businesses that offer various accounting applications and cloud-based versions that help in accepting business payments, managing and paying bills.

Quickbooks offers a Quickbooks payment gateway that is recognized as the top 50 best cloud service for small businesses by PC magazine and is also in the top 20 most trusted brands Alignable’s SMB Trust Index.

Well-known companies that use Quickbooks are CA Technologies, Van Buren & Associates, EisnerAmper LLP, etc. have benefitted from Quickbooks’s amazing features such as instant invoices, eChecks, automatic recurring invoices, etc.

This feature-rich USA payment gateway is helpful when you not only want to limit the payments but also 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 opt for customization
  • It is unable to recover transactions from previous versions

Contact:

Send your queries here.

Klarna

KlarnaKlarna also referred to as Klarna Bank AB is a  Swedish fintech company providing online financial services. It offers payments for online stores and can even make payments directly.

Klarna, the payment gateway company in USA has nearly 35,000 employees and has generated a revenue of around $35billion in the year 2019. Mostly all the employees are working at the headquarters situated in Stockholm and Berlin. 

These US payment gateway has been designed to make the process simple and secure enough for buyers and sellers. Klarna provides us with three options while making payments such as pay now, pay later, or slice it. Thus, making it more comfortable and flexible enough for the customers.

It is essential that data should be protected and should have a safe environment for the customers. So, if you are a Magento 2 store owner, using Magento 2 Klarna Payments would be quite beneficial.

This extension accepts all the credit and debit cards such as Master Card, Visa, Discover, etc, and currencies such as AUD, CAD, EUR, and many more. As people prefer shopping online, there are various mobile-optimized checkout options available. Thus, this ensures a better shopping experience.

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 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

Firstdata PayeezyPayeezy is one of the most powerful payment options that delivers easy, safe, and secure online mobile payments. It is a financial services company and its headquarters are situated 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.

Payeezy is powered by First Data and supports merchants from more than 50 countries and even accepts payments in more than 140 countries. This is the most used payment gateway in USA and used widely for all types of business, be it a small or large firm. First Data Payeezy is one of the best payment gateways in USA used very widely. 

With such impressive features and stats, Payeezy is the best choice for accepting online payments more securely for Magento 2 store owners. Thus, Meetanshi has developed Magento 2 First Data Payeezy Payment, ensuring 100% security to the customers.

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?

A payment system either makes or breaks the business. Choosing the best payment gateway in the USA must be done wisely so as to not disrupt the online payment system of your store. Some of the factors that need to be considered while choosing the right payment gateway for your business are as follows:

Supported Payment Types

Initially, online payments were only accepted through credit or debit cards. Today, there are a number of payment options available such as net banking, PayPal,  wallets, etc. The customers must be provided with multiple payment methods so that they can opt for the convenient option. However, not all the payment types are supported with all payment gateways. So, choose the best payment gateway after studying the supported payment types and potential customer behavior when it comes to payments

Secure Transactions

Ensuring utmost security and privacy is necessary while carrying out your customer’s billing process at the time of 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 the users to enter their card details in the store itself. 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 select the best payment gateway in US, there’s no stoppin’ you! Decide your budget, requirements for your business, check the details above, and select the top payment gateways in USA to offer a secure and easy-to-use payment gateway for your customers.

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 USA that deserves to be on the list of top payment service providers in 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?

A payment gateway is software that 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 are responsible for the transmission of financial data when people make purchases online or in person. The process is simple and involves the following steps: first, it accepts the credit card numbers and other personal data from a shopper. Second, it verifies the customer’s data and sends a request to 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 USA?

There are mainly four types of payment gateways in USA:

  • Hosted payment gateway
  • Self-hosted payment gateway
  • API hosted payment gateway
  • Local bank integration payment gateway

Is there any best free payment gateways in USA?.

No, there is always a transaction fee that is to be paid while offering a payment gateway in your online store. However, if you are looking for the cheapest payment gateways in 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. Now if you are a Magento 2 store owner, you may use the Magento 2 Payment Fee extension. It allows the store owner to transparently charge the payment method fees to customers’ orders.

How to add a payment gateway on a website?

You may follow the documentation provided by payment gateways for integration and setting up a payment gateway in your online store. Or, you may hire an expert or agency to integrate a payment gateway and configure it 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 store.

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10 Best Payment Gateways in USA [2022]

Shivbhadrasinh Gohil

Shivbhadrasinh Gohil is the Wizard of Light Bulb Moments at Meetanshi.
He is a Digital Marketer and started optimizing Magento stores since 2010. He has founded 2 successful Magento Agencies since 2014. When not working, you can find him reading books or spending time with his children.

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