10 Best Payment Gateways in the USA 2024

May 21, 2024 -

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Best Payment Gateway in the USA - Tech Cloud Ltd

The US eCommerce industry is thriving. In 2023, the revenue of this industry was around $1,118.7 billion. In the next five years, it has been forecasted to grow by at least 52.41 percent.

Moreover, 70% of American people shop online, making the USA eCommerce market the second largest after China. The time for building a thriving online business has never been better!

However, to receive payments from your customers, you need a robust payment gateway that supports the most popular USA payment methods.

But which one is the best payment gateway for your small business? Let’s explore the answer in this article.

What is an online payment gateway?

What is an online payment gateway - Tech Cloud Ltd

An online payment gateway is a crucial component of e-commerce.

In an online transaction, it facilitates the transfer of funds between a buyer and a seller. It acts as a virtual bridge, connecting customers, merchants, and financial institutions.

To better understand the concept, imagine an online payment gateway as a digital cashier at a physical store. When you shop at a brick-and-mortar store, you hand over your payment to the cashier, who processes it securely and completes the transaction.

The key distinction between offline and online payment gateways lies in the mode of transaction and the medium through which payment information is transmitted.

Offline gateways involve physical interactions and direct connections, while online gateways rely on electronic communication and the Internet to facilitate transactions.

How do the best payment gateways in the USA work?

Best payment gateways in the USA work in the following 4 steps:

Step-1. Collect

– Payment information (such as credit card information) is entered on your website by your customers.

– They hit the payment button to initiate the transaction.

Step-2. Transfer

– The payment gateway securely transmits the encrypted payment information to the payment network.

Step-3. Verify and Authorize

– A request for authorization is sent by the payment gateway to the payment network.

– Approval is requested to process the payment.

– The payment network verifies details like the billing address and card security code (CVV).

Step-4. Complete

– From the payment network, the gateway receives the response.

– It notifies the merchant’s website or application whether the transaction was successful or not.

A quick overview of the best USA payment gateways

Payment GatewayPricing StructurePayment MethodsSecurity FeaturesIdeal For
Stripe2.9% + 30¢ per successful transaction.Credit cards, Debit cards, Digital Wallets, Local payment options.Robust encryption, fraud prevention tools.
eCommerce stores, Startups, Subscription-based services, International businesses.
Trust CommerceLack of pricing transparency.$20-$25 monthly fees.Debit cards, Credit cards, eCheck payments.Secure tokenization, PCI compliance.Healthcare providers, EHR Users.
AdyenFixed processing fee of €0.11.Fixed processing fee of €0.11 plus a fee determined by the payment method. Advanced fraud detection, tokenization.Digital businesses, Omnichannel businesses, Platforms & Marketplaces.
BlueSnap2.9% + 30p per successful transaction.Major Debit & Credit Cards, Paypal, SEPA, Apple Pay & more.Fraud prevention, PCI compliance.Global eCommerce, Marketplaces, Subscription services.
HelcimFor online transactions, the average rate is 2.49% + 25¢.Digital wallets, ACH bank-to-bank transfers, Debit & Credit cards.Strong encryption, PCI compliance.Developers, eCommerce Merchants, Small to Medium sized businesses.
PaySimple2.90% + $0.30 per transaction, plus monthly fees.eChecks, ACH transfer, Major Debit & Credit Cards.Data security, recurring billing.Service Industries, Subscription-based businesses.
Payline0.75% + $0.20 per transaction, plus a $20 monthly fee.Supports credit, debit, and electronic payments.Tokenization, fraud protection.High-risk industries, eCommerce merchants, Healthcare services.
Authorize2.9% + 30¢ online, with additional costs for ACH payments.Major credit cards, Electronic checks (ACH payments), and more.Secure data transmission, fraud tools.High-risk transactions, Business with Diverse needs, eCommerce businesses.
PayPal3.49% plus a fixed fee. Visa, Mastercard, Venmo, PayPal, and cryptocurrency.Buyer protection, encryptionOnline retailers, Global businesses.
Square2.6% plus 10 cents when a transaction is made in person.Debit & Credit cards, mobile wallets, and ACH bank transfers.
Point-to-point encryption, fraud prevention.Small businesses, startups, Omnichannel retailers.

Top 10 best payment gateways in the USA

If you conduct a simple Google search with the term “Best Payment Gateways,” you will find dozens of options. However, not every payment gateway is right for your business.

To help you find a suitable one, we have handpicked the best payment gateways in the USA market. Let’s explore them together:

1. Stripe

Stripe payment gateway in USA - Tech Cloud Ltd

Stripe is one of the best payment gateway platforms that allows businesses to accept payments online.

Founded in 2010, it has become a favorite among startups, e-commerce stores, and established enterprises due to its user-

friendly interface, developer-friendly API, and global reach.

➡ Key advantages of stripe

  • Comprehensive Payment Systems: Stripe offers a complete payment platform with transparent pricing. No setup fees or hidden costs.
  • Global Reach: With support for over 135 currencies and payment methods, Stripe enables businesses to reach customers worldwide.
  • Developer-Friendly API: Easy customization and integration with other tools.
  • Subscription Billing: Robust features for managing recurring payments.
  • Advanced Reporting and Analytics: Insights into payment activities for informed decision-making.
  • Seamless Integration: Stripe seamlessly integrates with popular e-commerce platforms like Shopify, WooCommerce, and Magento, making setup quick and easy.

➡ Potential drawbacks of stripe

  • Transaction Fees: While Stripe’s pricing is competitive, transaction fees can accumulate, especially for high transaction volumes.
  • Chargeback Disputes: Like any payment processor, Stripe is susceptible to chargeback disputes, affecting funds temporarily during resolution.
  • Limited Support for High-Risk Industries: Strict policies may pose challenges for businesses in high-risk sectors.

➡ Pricing structure

Standard Pricing: 2.9% + 30¢ per successful charge for domestic cards. Custom Pricing is available for businesses with unique models or high payment volumes.

➡ Accepted payment methods

Stripe supports many different payment methods, including credit cards, debit cards, digital wallets, and local payment options like iDEAL.

Ideal Users

  • E-commerce Stores: Seamless integration and global reach benefit online retailers.
  • Startups: Developer-friendly features and scalability.
  • Subscription-Based Services: Stripe’s subscription billing suits businesses with recurring payments.
  • Businesses Expanding Internationally: Support for multiple currencies and countries.

2. TrustCommerce

TrustCommerce payment gateway in USA - Tech Cloud Ltd

TrustCommerce is a robust payment processing provider with a strong focus on healthcare. Their secure payment platform integrates seamlessly with various applications, offering a simpler, tech-driven patient payment experience.

Over the past 20 years, TrustCommerce has established itself as the best payment gateway solution for the healthcare industry.

➡ Key advantages of TrustCommerce

  • Native EHR Integrations: TrustCommerce seamlessly integrates with major EHR systems, streamlining payment processes for healthcare providers.
  • Security and Compliance: TrustCommerce ensures secure transactions, protecting sensitive patient data.
  • Flexible Payment Methods: Patients can use convenient options like Google Pay and Apple Pay for hassle-free payments.
  • Revenue Boost: By optimizing payment experiences, TrustCommerce helps healthcare systems drive revenue.

➡ Potential drawbacks of TrustCommerce

  • Lack of Pricing Transparency: TrustCommerce does not disclose pricing on its official website, which may be a drawback for businesses seeking upfront cost information.
  • Limited Public Information: Some merchants may find it challenging to access detailed information about TrustCommerce’s policies, setup procedures, etc.

➡ Pricing structure

From our online research, we have found that TrustCommerce typically charges a startup fee, a monthly gateway fee (averaging $20-$25), and a small fee per transaction.

➡ Accepted payment methods

TrustCommerce supports major debit/credit cards and ACH/eCheck payments, ensuring flexibility for patients and providers.

Ideal Users

  • Healthcare Providers: TrustCommerce is ideal for large integrated health systems, acute care facilities, and IDNs.
  • EHR Users: Organizations using EHR systems like Epic can benefit from TrustCommerce’s seamless integration.

3. Adyen

Adyen Online Payment for USA - Tech Cloud Ltd

Adyen is a comprehensive financial technology platform that offers end-to-end solutions for businesses to manage payments, protect revenue, and control finances.

We consider Adyen to be one of the best payment gateways because it is a unified platform. It can fulfill almost all payment-related requirements for small businesses.

➡ Key advantages of Adyen

  • Unified Platform: Adyen combines payment gateway, processing, and acquiring functionalities, streamlining operations for businesses.
  • Global Payment Methods: With 100+ supported payment methods, Adyen ensures broad acceptance across different regions.
  • Cross-Channel Insights: Businesses can connect online and offline data, gaining a deeper understanding of customer behaviour.
  • Data-Driven Fraud Prevention: Adyen’s machine learning technology helps detect and respond to fraud without affecting genuine transactions.
  • Financial Management: Adyen offers tools to optimize finances, automate banking processes, and issue physical or virtual payment cards for faster payouts.

➡ Potential drawbacks of Adyen

  • Complex Integration: Some businesses may find Adyen’s integration process complex due to its comprehensive features.
  • Pricing Complexity: Adyen’s pricing structure can be intricate, especially for businesses with varying transaction volumes.

➡ Pricing structure

When it comes to Adyen’s payment gateway pricing, they charge a fixed processing fee of €0.11 plus a fee determined by the payment method.

➡ Accepted payment methods

Adyen supports a wide range of payment methods, including credit and debit cards, digital wallets (such as Apple Pay and Google Pay), bank transfers, and local payment methods like Alipay, WeChat Pay, and iDEAL.

Ideal Users

  • Digital Businesses: Optimize conversion rates, expand globally, and manage risk.
  • Omnichannel Businesses: Connect online and offline payment data, offering flexible buying journeys.
  • Platforms & Marketplaces: Scale globally with integrated payments, enhancing user experience.

4. BlueSnap

BlueSnap USA Payment Gateway - Tech Cloud Ltd

BlueSnap offers an All-in-One Payment Orchestration Platform that caters to both B2B and B2C businesses worldwide.

Their comprehensive platform supports various payment scenarios, including online and mobile sales, marketplaces, subscriptions, invoice payments, and manual orders through a virtual terminal.

➡ Key advantages of BlueSnap

  • Global Reach: BlueSnap’s worldwide presence allows businesses to process payments across borders, making it one of the best international payment gateways.
  • Diverse Payment Methods: With support for major credit cards, alternative methods, and eWallets, BlueSnap ensures broad acceptance.
  • Integrated Shopping Carts: Seamless integration with popular eCommerce platforms simplifies payment processing.
  • PCI Compliance: BlueSnap complies with Level 1 Payment Card Industry Data Security Standards (PCI-DSS), the highest standards in the industry.
  • Fraud Detection & Prevention: BlueSnap partners with Kount, a leader in fraud prevention, to analyze customer data and purchase behavior on every transaction.

➡ Potential drawbacks of BlueSnap

  • Complex Integration: Some businesses may find BlueSnap’s integration process complex due to its comprehensive features.
  • Pricing Complexity: Details about BlueSnap’s pricing structure can be intricate and may require personalized consultation.

➡ Pricing structure

BlueSnap follows an interchange-plus pricing model. Businesses pay a fee based on the transaction amount plus a fixed charge per transaction. The standard pricing is 2.9% + 30p per successful transaction. Additionally, BlueSnap charges a £15 fee for each chargeback.

➡ Accepted payment methods

BlueSnap supports major credit and debit cards (Visa, MasterCard, American Express, Discover), alternative payment methods (PayPal, SEPA, etc.), and eWallets (Click to Pay, Apple Pay, Google Pay, and more).

Ideal Users

  • Global eCommerce: Businesses seeking seamless cross-border payments.
  • Marketplaces: Platforms connecting buyers and sellers benefit from BlueSnap’s integrated solutions.
  • Subscription Services: BlueSnap supports recurring payments for subscription-based businesses.

5. Helcim

Helcim is one of the best Payment Gateway in USA - Tech Cloud Ltd

Helcim has become a trusted partner for businesses seeking reliable payment processing services. It is renowned for providing transparent and cost-effective payment solutions to businesses of all sizes.

Whether your company is large or small, Helcim aims to simplify payment processing while keeping costs manageable.

➡ Key advantages of Helcim

  • Affordability: Helcim prides itself on being cost-effective, with transparent pricing and no hidden fees.
  • Flexible Payment Methods: Helcim allows businesses to accept various payment methods, including digital wallets, debit cards, credit cards, and ACH bank-to-bank transfers. Customers can pay how they want, where they want.
  • Human-Centric Customer Service: Helcim emphasizes fast and personalized customer support. Considering their quality of support, you can easily consider it as the best payment gateway for your business.

➡ Potential drawbacks of Helcim

  • Complex Integration: Some businesses may find Helcim’s integration process complex due to its comprehensive features. However, the company provides resources to guide users through the setup.
  • Pricing Complexity: While Helcim aims for transparency, understanding the intricacies of its pricing structure may require personalized consultation.

➡ Pricing structure

Helcim uses an Interchange Plus model, which means they pass on the true cost of each transaction to you. For in-person transactions, the average rate is 1.93% + 8¢. For keyed and online transactions, the average rate is 2.49% + 25¢.

➡ Accepted payment methods

Helcim supports major credit and debit cards, digital wallets, and ACH bank-to-bank transfers.

Ideal Users

  • E-commerce Merchants: Helcim is an excellent choice for online stores that need secure and seamless payment integration on their websites.
  • Developers: For developers seeking control over the user experience while maintaining security and PCI-DSS compliance, Helcim is an ideal solution.
  • Small to Medium-Sized Businesses: Helcim is particularly well-suited for small to medium-sized businesses. It offers robust security, diverse payment options, and integration capabilities.

6. PaySimple

PaySimple payment gateway in USA - Tech Cloud Ltd

Designed to simplify and empower the lives of small business owners, PaySimple offers a comprehensive payment solution.

It also offers robust security and a user-friendly experience on its platform. For small businesses, it is an excellent payment gateway solution.

➡ Key advantages of PaySimple

  • Affordability: PaySimple focuses on transparent pricing with no hidden fees, making it budget-friendly for small and medium-sized businesses.
  • Industry Expertise: PaySimple has over a decade of experience providing tailored solutions for businesses across various sectors.
  • Flexible Payment Options: PaySimple handles credit cards, debit cards, eChecks, and ACH transfers.
  • Revenue Expansion: Through PaySimple’s embedded payment feature, businesses can create new revenue streams and increase wallet share with customers.

➡ Potential drawbacks of PaySimple

  • Integration Complexity: Some businesses may find PaySimple’s integration process complex due to its comprehensive features. However, the company provides resources and support to assist with the integration process.
  • Pricing Nuances: While PaySimple aims for transparency, understanding the intricacies of its pricing structure may require personalized consultation.

➡ Pricing structure

As low as 2.90% + $0.30 per transaction, plus monthly fees. Recurring billing, reporting, and business insights are included in the $79.95 monthly fee.

➡ Accepted payment methods

PaySimple supports major credit and debit cards, eChecks, and ACH transfers.

Ideal Users

  • Service Industries: PaySimple is well-suited for service-based businesses, such as legal offices, medical services, and educational services.
  • Complex Customer Needs: If your business deals with complex, detailed customer requirements, PaySimple can be a great fit.
  • Subscription-Based Businesses: PaySimple is ideal for subscription-based models, where recurring billing and payment management are essential.
  • Small to Medium-Sized Businesses: In terms of reporting and insights, it’s a great solution for small and medium-sized businesses.

7. Payline

Payline best online payment gateway system in USA - Tech Cloud Ltd

If you are looking for the best versatile payment gateway, then Payline is the way to go. This payment processor caters to both standard and high-risk businesses.

It offers transparent pricing, allowing businesses to accurately calculate payment processing fees. Payline integrates with popular shopping carts, provides a virtual terminal, and supports both online and in-person payments.

➡ Key advantages of Payline

  • Flexible Billing: Payline offers month-to-month billing with no long-term contracts or cancellation fees.
  • High-Risk Merchant Support: It specializes in working with businesses in high-risk industries.
  • 24/7 Customer Support: Payline provides reliable customer service.
  • Integration Options: Payline integrates with e-commerce platforms, shopping carts, and QuickBooks.
  • Open API: For businesses with coding experience, Payline offers an open API for custom integrations with additional software products.
  • Security Measures: Payline prioritizes transaction safety by partnering with Verifi’s Cardholder Dispute Resolution Network for fraud and chargeback protection.

➡ Potential drawbacks of Payline

  • Separate Monthly Fees: Payline charges separate monthly fees for online and in-person processing.
  • Hardware Costs: Businesses need to inquire about hardware costs separately.

➡ Pricing structure

In-person transactions: 0.4% + $0.10 per transaction, plus a $10 monthly fee. For online transactions: 0.75% + $0.20 per transaction, plus a $20 monthly fee.

➡ Accepted payment methods

Payline supports credit, debit, and electronic payments, as well as recurring billing and invoicing.

Ideal Users

  • High-Risk Industries: The Payline payment gateway is best for businesses in high-risk sectors such as travel, CBD, tobacco, credit repair, and vitamins.
  • E-commerce Merchants: It provides third-party payment gateway options for online businesses.
  • Healthcare Services: Payline offers tailored solutions for health-related businesses.

8. Authorize.Net

Authorize.Net payment gateway in the USA - Tech Cloud Ltd

Payments over the Internet can be securely processed through Authorize.Net‘s online payment gateway. Trusted by thousands of online businesses, it is one of the best payment gateways in the USA.

➡ Key advantages of Authorize.Net

  • Security: To protect sensitive customer information, Authorize.Net provides encryption and follows industry standards.
  • Convenience: Authorize.Net gives customers the convenience of shopping or paying wherever they are.
  • Business Growth: Authorize.Net supports business growth by offering tailored pricing, data migration assistance, and interchange plus options.
  • 24/7 Customer Support: Authorize.Net provides round-the-clock customer support through phone, chat, or online form.

➡ Potential drawbacks of Authorize.Net

  • Outdated User Interface: While Authorize.Net is easy to use and implement, the backend administrative website leaves much to be desired. Users note that it is cluttered, outdated, and nonintuitive.
  • Cost Variation: Signing up directly through Authorize.Net may be more expensive than going through a merchant services provider.

➡ Pricing structure

Transaction fees are 2.9% + 30¢ online, with additional costs for electronic checks (ACH payments). Their monthly plans start at $25.
Accepted Payment Methods

Authorize.Net supports various payment types, including major credit cards, electronic checks (ACH payments), and more.

Ideal Users

  • E-commerce Businesses: Authorize.Net is suitable for online retailers looking for secure payment processing and customization.
  • High-Risk Transactions: Businesses handling high-risk transactions can benefit from Authorize.Net’s features.
  • Businesses with Diverse Needs: Authorize.Net accommodates various transaction types, including online, in-store, and mobile payments.

9. PayPal

PayPal the payment gateway in USA - Tech Cloud Ltd

PayPal is a widely used online payment platform for individuals and businesses. The service allows users to send and receive international and domestic payments securely.

PayPal offers various services, including credit card processing, debit card acceptance, and digital wallet functionality.

➡ Key advantages of PayPal

  • Global Acceptance: Widely accepted by online merchants worldwide, making cross-border transactions convenient.
  • Convenient Payment Options: Users can link their accounts to credit cards, debit cards, and bank accounts, offering flexibility.
  • Integration with E-commerce Platforms: Seamlessly integrates with popular e-commerce platforms, ensuring secure online sales.

➡ Potential drawbacks of PayPal

  • Confusing Fees: PayPal’s fee structure can be complex and varies based on factors like transaction type, currency, and location.
  • High Chargeback Fees: Merchants may face significant fees for chargebacks, impacting their revenue.
  • Customer Service Challenges: Some users find it difficult to reach PayPal’s customer service.

➡ Pricing structure

PayPal offers a range of pricing options for different types of transactions. For PayPal Checkout, the fee is 3.49% of the transaction amount plus a fixed fee.

QR Code transactions have a fee of 2.29% of the transaction amount with a fixed fee. All other commercial transactions are subject to a fee of 3.49% plus a fixed fee.

In addition to these fees, there is an extra 1.50% fee for international commercial transactions.

➡ Accepted payment methods

PayPal supports various forms of payment, including Visa, Mastercard, Venmo, PayPal, and cryptocurrency.

Ideal Users

  • Online Retailers: Paypal seamlessly integrates with e-commerce platforms.
  • Businesses with Global Customers: Convenient for cross-border transactions.

10. Square

Square Online Payment Gateway - Tech Cloud Ltd

The Square platform is an all-in-one point of sale (POS) and payment solution for small and large businesses alike, from brand-new startups to large multi-store operations.

It offers an affordable fee structure, making it attractive for businesses with varying turnover.

➡ Key advantages of Square

  • Easy Setup: Square is straightforward to set up, making it accessible for businesses of all types.
  • Omnichannel Selling: Whether you’re selling in-person or online, Square’s flexible POS system adapts to your business’s needs.
  • Transparent Pricing: Square’s fee structure is clear, and most of the fees go back into your business.
  • PCI Compliant: Square ensures data security and supports your PCI compliance without additional costs.
  • Active Fraud Prevention: Square’s ecosystem actively prevents fraud, minimizing payment risk.

➡ Potential drawbacks of Square

  • Account Stability Issues: Some users have reported frozen funds or account freezes due to irregular activity.
  • Not Ideal for High-Volume Transactions: For businesses with high transaction volumes, Square may not be cost-effective.
  • Exclusive to Square POS Users: Square’s services are closely tied to its POS system.

➡ Pricing structure

Square charges a transaction fee of 2.6% plus 10 cents when a transaction is made in person. Online transactions through Square incur a fee starting at 2.9% of the transaction amount plus 30 cents per transaction.

For manually entered transactions, Square charges a fee of 3.5% of the transaction amount plus 15 cents per transaction.

➡ Accepted payment methods

Square accepts various payment methods, including credit cards, mobile wallets (e.g., Apple Pay, Google Pay), and ACH bank transfers.

Ideal Users

  • Small Businesses and Startups: Square’s affordability and flexibility suit businesses with varying turnover.
  • Omnichannel Retailers: Whether you sell in-store or online, Square adapts to your needs.
  • Businesses Prioritizing Data Security: Square’s end-to-end encryption and PCI compliance support make it a good choice.

How to choose the best payment gateway for your business

It can be challenging to choose the best payment gateway for your business. Here are a few important factors to consider:

I. Supported payment methods

Evaluate which payment methods the gateway supports. Consider credit/debit cards, digital wallets (e.g., Apple Pay, Google Pay), and local payment options.

Ensure compatibility with your target audience’s preferred payment methods. This will make it easier for your customers to pay.

II. Security technologies

Prioritize security. Look for gateways that use encryption and tokenization and comply with PCI data security regulations. Make sure the gateway uses fraud prevention measures to keep your customers’ information safe.

III. Hosted or direct payment method

Decide if you want a hosted payment gateway, where customers are redirected to a separate payment page or a direct payment method that allows customers to stay on your website.

IV. Compatibility & integration

A seamless integration between the gateway and your existing systems (e.g., e-commerce platforms and accounting software) is essential.

Consider middleware solutions for efficient communication between different software systems. It should be easy to set up and use.

V. Pricing structure

Compare transaction fees, monthly charges, and any additional costs (e.g., setup fees, chargeback fees). Look for transparent pricing and understand the total cost of ownership.

VI. User interface

Opt for a gateway with an intuitive, user-friendly interface for both you and your customers. A well-designed UI enhances the checkout experience and reduces cart abandonment.

VII. Reliable support system

Choose a provider with responsive customer support. Consider availability, response time, and expertise. Reliable support ensures smooth operations and timely issue resolution.

VIII. Supported currencies

Multi-currency support is essential for international transactions. If you operate globally, verify that the gateway supports the currencies relevant to your business.

Assess the gateway’s ability to handle cross-border transactions. Consider local regulations, tax compliance, and currency conversion.

In Conclusion

Choosing the best payment gateway for small businesses is no easy task. Whether you’re running an online store or offering services to international clients, you need a reliable payment gateway.

There are numerous options available, and determining the right fit for your company can be overwhelming.

However, the process becomes much easier if you explore the best payment gateways listed in this article and consider the important factors. At the end of the day, it’s all about finding a payment solution that works for you, not against you.

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Liam Barnard is a freelance writer and independent blogger who dives into digital marketing, tech, and business communication. Based in Melbourne, he’s a digital marketer by day and a sci-fi binge-watcher, travel enthusiast, and guitar strummer by night.

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