10 Best Payment Gateways In USA [Top US Payment Gateways] (2024)

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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.

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

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.

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