Top Ecommerce Payment Gateways in the USA

Since, we now rely on online shopping for many of our needs, the online payment system has become a casual routine in no time. It’s clear — the convenience is unbeatable! The key that drives this digital payment revolution is focusing on prioritizing customer confidence while making digital payments and also preventing data breaches.

Online payment gateways are the leaders that facilitate secure and hassle-free transactions. The e-commerce stores can easily integrate these payment gateways into their digital platform to facilitate customers and make the payment process safe, secure, and quick in e-commerce development.

In the USA, there are several payment gateways to choose from. Read here about the top payment gateway choices that are helping e-commerce businesses build trust and establish themselves as reliable brands.

Top 10 USA-Specific Payment Gateways

When considering eCommerce solutions in USA, merchants need payment gateways that match the needs of the US market specifically. This means supporting popular payment methods in the USA, following U.S. regulations, and working smoothly with top ecommerce platforms.

1. Stripe

Based in San Francisco, California, Stripe is the most trusted e-commerce payment gateway provider across the world. Launched in 2010, it’s now considered the fastest-growing company that offers secure online transactions. It’s an API-based cloud payment gateway giving merchants full control over their credit and debit card integrations. The recent upgrade? Offering loans to help boost the economy is its latest feature upgrade.

Transaction Fees: 2.9% + 30¢ per online transaction.

Pros:

• Developer-friendly API for customization.
• Supports global payments with multiple currencies.

Cons:

• Complex fee structure with additional charges.
• No in-person payment solutions available.

2. Authorize.Net

Authorize.Net is a trusted company in offering payment gateway services, since 1996. This is a reliable and secure payment solutions for small businesses in the USA market. It is the most suitable payment platform for E-commerce stores that are built on Magento and OsCommerce-like platforms, giving both online and in-person transaction capabilities. It comes with easy-to-use payment processor, simple interface, several add-on features such as a simple checkout system and fraud prevention.

Transaction Fees: 2.9% + 30¢ per transaction + $25 monthly fee.

Pros:

• Supports multiple payment methods, including recurring billing.
• Excellent customer support with 24/7 assistance.

Cons:

• Setup and monthly fees may be high.
• Limited international reach and payment methods.

3. Square

Square is one of the best eCommerce payment gateways in the USA 2025, perfect for e-commerce stores and small businesses. It offers secure, user-friendly solutions, combining point-of-sale systems, invoicing, and more in one platform. With seamless online and in-person transactions, along with features like inventory management and real-time analytics, Square makes digital payments simple and efficient.

Transaction Fees: 2.6% + 10¢ per transaction.

Pros:

• Easy setup for both online and in-person payments.
• No monthly fees for basic accounts or small businesses.

Cons:

• Limited global availability for international merchants.
• Higher in-person transaction fees for smaller transactions.

4. PayPal

PayPal is a trusted payment platform used by e-commerce businesses worldwide. It’s known for being reliable and easy to use, simplifying online and mobile payments. PayPal works well with shopping carts for a smooth checkout and supports international payments, helping businesses reach customers globally. Its features make it a key part of e-commerce success.

Transaction Fees: 2.9% + 30¢ per transaction (domestic) and 4.4% (international) transactions

Pros:

• Globally trusted payment processor with high reputation.
• Fast transactions for both buyers and sellers.

Cons:

• High transaction fees for international payments.
• Sometimes, account holds if issues arise.

5. Amazon Pay

Amazon, an e-commerce giant, launched its payment gateway services in 2007 to make transactions smoother for customers. Amazon Pay quickly became a trusted E-commerce payment gateway in the USA market. It’s not just for Amazon merchants—users can also securely pay on other websites and apps. In 2019, Amazon Pay teamed up with WorldPay to help customers accept payments through its gateway.

Transaction Fees: 1.5% to 3.5% + 10¢ to 30¢ per transaction for domestic payments

Pros:

• Trusted brand with millions of Amazon users.
• Easy checkout for Amazon customers, enhancing convenience.

Cons:

• Limited merchant features for advanced needs.
• Available only for physical products, not services.

6. WorldPay

Headquartered in London, UK, WorldPay is a leading global payment service provider, offering seamless solutions for businesses of all sizes. Founded in 1989, it has become a major player in the payment gateway industry, enabling secure transactions across multiple channels. WorldPay keeps innovating, with features like better fraud protection and advanced analytics.

Transaction Fees: 1.5% to 3.5% per transaction (depending on domestic or international card used)

Pros:

• Supports 120+ currencies for international transactions.
• Strong security features with fraud protection.

Cons:

• High setup and monthly fees, especially for small businesses.
• Complicated pricing structure with hidden charges.

7. WePay

WePay, based in Redwood City, California, is a top payment gateway in e-commerce. Since 2008, it has become a go-to platform for businesses aiming to simplify payment processes. Specializing in integrated solutions for marketplaces, platforms, and SaaS providers, WePay offers an API for easy online payments, recurring billing, and customizable experiences. Its latest innovation streamlines payment operations, making it easier for businesses to grow.

Transaction Fees: 2.9% + 30¢ per transaction for domestic cards; fees may vary for international cards.

Pros:

• Integrated with multiple platforms like marketplaces and SaaS.
• Scalable for all business sizes, from small to large enterprises.

Cons:

• Limited direct customer support for merchants.
• Not widely available internationally in certain regions.

8. Adyen

Adyen, based in Amsterdam, is a leading global payment service provider. Since 2006, it has grown rapidly, offering a unified platform for online, mobile, and in-store payments. With a focus on innovation, Adyen gives businesses flexibility and global reach, plus real-time fraud detection and advanced analytics to stay ahead.

Transaction Fees: Typically, 1.9% to 3.9% per transaction, depending on region and payment method used.

Pros:

• Global payment coverage for over 150 currencies.
• Unified payment platform offering both online and in-person solutions.

Cons:

• Complex for small businesses to navigate.
• High setup fees and customization costs.

9. Shopify Payments

Shopify Payments, based in Ottawa, Canada, is a top e-commerce payment solution that makes transactions easy for merchants worldwide. Since its 2013 launch, it’s become a popular choice for businesses of all sizes, offering seamless integration with Shopify. Unlike third-party gateways, it simplifies checkout for both customers and merchants. Recently, Shopify Payments added advanced fraud prevention tools, boosting security and trust.

Transaction Fees: 2.9% + 30¢ per transaction for online credit card rates (domestic); additional fees for international cards and currency conversions.

Pros:

• Seamless integration for Shopify stores with no extra work.
• No transaction fees for using Shopify Payments exclusively.

Cons:

• Limited to Shopify stores only, not for other platforms.
• Limited payment options available for merchants in specific regions.

10. Braintree

Braintree, based in Chicago, Illinois, is a top e-commerce payment gateway that makes payment processing easy for businesses worldwide. Founded in 2007, it’s trusted by both startups and large enterprises. Acquired by PayPal in 2013, Braintree offers flexible payment solutions with smooth integration for a seamless experience. Recently, they’ve introduced stronger fraud protection tools to give businesses more control over payment security.

Transaction Fees: 2.59% to 3.6% per transaction (depending on card type and region).

Pros:

• Great for mobile payments with mobile-first features.
• Global payment support for various currencies and regions.

Cons:

• Fees can be complex and vary by region.
• Limited in-person payment solutions for retail businesses.

Emerging Payment Trends in the USA

In the United States, the way people pay for goods and services is changing rapidly. Two key trends in e-commerce are cryptocurrency payments and the Buy Now, Pay Later (BNPL) model. These modern payment options are making it easier for businesses to connect with customers by offering more convenience, flexibility, and accessibility.

• Crypto Payment

Cryptocurrency is becoming a prevalent way to pay in e-commerce, attracting both shoppers and businesses. The payments through Cryptocurrency are decentralized, secure, and globally accessible. This change is making transactions easier and accessible on a global base, reshaping how businesses and customers interact online. This is why, more e-commerce businesses in the country have started to use it for global digital transactions.

Payment gateways such as CoinGate and BitPay are the best crypto payment gateways worldwide, making it easier for e-commerce businesses to accept cryptocurrencies like Bitcoin, Ethereum, and more. These platforms offer unified integration, enabling merchants to cater to crypto-savvy customers.

• Buy Now, Pay Later

Payment gateways with BNPL options for USA eCommerce is common among younger generations! It gives flexible payment options for payment to customers. Using this payment model, customers are allowed to give payment of online shopping in smaller payments without any interest. This no interest on installments are applicable till the payments are on-time. For e-commerce industries, offering BNPL can uplift the average order value and reduce cart abandonment, exclusively for higher-priced items.

Through flexible payment options, businesses can reach more customers, which is important in today’s competitive e-commerce market. Klarna, Affirm, and Afterpay are reliable BNPL solutions in the USA. These platforms can integrate with e-commerce websites effortlessly, benefiting consumers with more purchasing power and helping merchants upsurge sales.

How to Choose the Right Payment Gateway for USA Online Stores

Choosing the right payment gateway for your USA online store is crucial to ensuring a seamless checkout experience, maximizing conversions, and maintaining secure transactions. Here are a few factors to consider when selecting a payment gateway:

• Transaction Costs: Compare fees for online payments, chargebacks, and other services as lower fees can boost profits.
• Security & Compliance: Make sure the payment gateway has robust fraud protection, encryption, and PCI-DSS compliance.
• E-commerce Platform Integration: Connect gateway with platforms like Shopify, WooCommerce, or Magento straightforwardly.
• Payment Methods: Provide different payment options, including credit/debit cards, PayPal, BNPL, and crypto to match customer demands.
• Customer Support: Choose a gateway with unfailing 24*7 customer chat support to handle issues quickly and avoid disruptions.

Final Thoughts

The global e-commerce market is witnessing an exceptional change and is moving toward complete digital transformation. Now, having a merchant account payment gateway integration with your mobile E-commerce store checkout process has become a necessity.

As a result, it has become a mandatory integration for every existing and new entrant E-commerce business to choose one of the top payment gateways in the USA for their E-commerce store. Therefore, to ease your pain, we prepared a list and tried our best to shed some light on the top payment gateways in the USA.

Based on your business requirements, you can pick the most suitable one for your products and services. Or can connect with the Codiant team for assistance as well for the eCommerce app development and for integrating the best payment gateway in your online stores.