Best Payment Gateways in the USA for Online Payments


Online payment gateways allow e-commerce businesses and online merchants to offer their buyers a secure platform to pay for their purchases using digital wallets or credit/debit cards. With technological advancements, users have more options in payment gateways in the USA. Also, this paves the way for store owners to reach more customers and accelerate their business growth. 

As digital payment options like PayPal are gaining immense popularity around the world, online buyers are now looking for more hassle-free and secure options. The portals also encourage interactions between buyers and sellers. Thus, increasing the demand for effective and safe payment options. After reviewing several payment options, we have listed the top 5 that you can choose from:


Stripe is a leading player when it comes to the best online payment gateways in the USA, offering different payment platforms to customers. It is a hosted payment solution with an embedded UI toolkit, invoicing, and third-party integration support. Its subscription plans automate the digital payment process and help users. Stripe is the PCI Service Provider Level 1 certified with amazing security and communication tools. It also promises efficient data security, world-class fraud protection and complies with the highest industry standards to ensure faster and hassle-free payments. Stripe comes with cutting-edge features that users expect from any global payment gateway. It supports over 135 currencies for processing and accepting payments, one-click checkout, subscription billing, transaction tracking and reporting. 

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When you integrate your e-commerce business with Stripe, you increase the optimization rate and reach global audiences. With new updates, it has introduced a lending feature to offer loans to users, an attempt by the platform to make the economy smoother. Its other features include a custom UI toolkit, consolidated checkout round-the-clock technical support, mobile interface, recurring payments, and more. Although Stripe is a popular e-commerce payment gateway, it also offers virtual POS to make it easier for users to unify online payments and offline channels. It is compatible with computers and mobile devices along with pre-certified card readers that support contactless payments. 


  • Fraud protection
  • Manage business spend
  • Issue virtual and physical cards
  • Comply with the highest standards
  • API-based method to integrate other apps
  • Real-time reporting

Amazon Pay

Amazon Pay was started in 2007 to offer Amazon users a way to transact hassle-free, and since then, it has been one of the most popular payment gateways in the USA. They can use this payment wallet to process online transactions via their existing Amazon account without exiting the shopping app or window. Also, they can pay merchants securely on external apps and websites. Integrating Amazon Pay as a checkout option with other platforms will pave the way for more possibilities of more online transactions while reducing car abandonment. It is used by a wide range of top companies, including Forever 21, BigCommerce, Magento, Brooklyn, Chico’s, and many more. It has around 33 million active users and is progressing toward converting millions of current Amazon users to dedicated Amazon Pay clients. The company offers payment services in around 18 countries and extensive support for processing multi-currencies. 

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As Amazon is an online shopping portal, this payment gateway is specifically designed to address the challenges of online payments that users often encounter. Amazon Pay works seamlessly with websites, mobile devices, and other applications, making it simpler for shoppers to pay. Also, it is equipped with Alexa so users can add products to their cart and create a wish list using the voice command. Its other exclusive features are fraud detection and customer verification that compel people to shop and pay through Amazon Pay. moreover, its solution for large-scale businesses can be customized according to the business goals using SDKs and APIs. 


  • Verifies and validates customers
  • Complete Guarantee
  • Fraud detection and prevention 
  • Dedicated technical support
  • Regular feature upgrades


PayPal is a globally-used payment gateway with millions of active users who use the portal almost daily to send and receive online payments. The company was founded in 1998 and has now become one of the oldest and best payment gateway providers in the USA. It marks 22+ years of experience in the industry with a presence in over 200 markets and supports 100+ currencies that enable businesses to reach a wider audience. Also, they can make the best of its diverse tools to run a more successful and profitable online store. Customers can make payments anywhere, anytime easily thus, making PayPal among the top payment options. Also, store owners can provide their customers with buy now, pay later services to improve online sales and enhance their shopping experience. Moreover, it enables professional invoices, recurring payments facilities, and streamlined payment operations for businesses. According to research, users’ intent to buy online increases by 54% if they get PayPal as a payment option. 

PayPal is PCI compliant and offers barcode scanning, express checkout, mobile card reader, bill me later, credit card reader, and many other advanced functionalities. Easy interaction and quick sign up are other features that make PayPal accountable to users. The amount withdrawal process is easy and fast so merchants can get funds within minutes once they pay a fee. Any e-commerce app is incomplete without the PayPal gateway option. If you own a Magento 2 store and accept payments in currency other than base currency using PayPal, then PayPal Multi CUrrency is the best choice for you. It is free for buyers and uses debit and credit cards for purchases with no set-up, monthly, or gateway fee. 


  • Seamless & Secure Checkout
  • Mobile-first shopping experience
  • Smooth checkout process
  • Supports 100+ currencies
  • Fraud protection technology
  • PCI compliance
  • Fast integration and activation

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Authorize.Net is the pioneer in the online payment gateway sector and has come a long way since 1996. It is a popular payment portal for small businesses and Magento and OsCommerce-powered websites. If you have a merchant bank account, then this is the cheapest solution for you available in the USA. It has a world-class infrastructure and offers amazing measures for fraud protection. Currently, Authorize.Net serves over 430,000 merchants, managing more than one billion transactions every year. It is considered one of the best payment gateways in the USA because it is easy to use and set up, accepts transactions from customers across the world, and works well with almost all merchant accounts. You can make transactions the way you want to and its comprehensive services include all payment methods to suit different e-commerce businesses. 

Authorize.Net accepts all major card providers and has an inbuilt account updater and electronic check processor to make the payment processing effortless and flexible. It allows users to transact using major credit and debit cards, digital payment options, e-checks, and foreign payments from most countries. Thus, making it popular in Europe, the UK, Canada, and Australia. The platform is straightforward and hassle-free which makes it a great choice for experienced users as well as new sellers. Although it costs $49 setup fees and $29 monthly gateway fees, it hardly hampers its popularity in the US. 

In addition to accepting different types of payments than other payment gateways, it is also one of the very few to accept PayPal. 


  • Customer information manager
  • Recurring payments
  • Advanced Fraud Protection System
  • Digital invoicing
  • Simple checkout
  • E-check processing


2Checkout is counted among the most secure payment gateways in the USA that has been recently acquired by VeriFone. It is an ideal all-in-one monetization platform for e-commerce businesses and makes digital sales easier globally while maximizing revenue. 2CO has one vision- offering a simple and modern e-commerce solution that enables hassle-free payments. The company serves more than 20,000 clients worldwide. Another reason that 2CO is listed here is that it is good for selling internationally, thanks to its localized buying experiences for customers. It supports 100 currencies and provides benefits of scalability, financial strength, resources, relationships, and market potential. The payment portal accepts payments from 200+ countries and territories and offers over 45 online and offline payment methods. Its payment gateway 2Sell accepts all major credit cards and payments, including Visa, MasterCard, JCB, American Express, and PayPal. Users are allowed to host their checkout page, compile payment history reports, set recurring transactions, and integrate the platform with other e-commerce platforms, invoicing systems, and shopping carts. 

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2Checkout lets merchants sell physical products, services, digital products, and subscriptions. It features an account updater to keep user information updated. It promises round-the-clock technical support and a dedicated account manager. It ensures data security and privacy and tackles all the complexities faced by digital commerce websites. Moreover, 2CO is mobile-friendly and offers coupons, discounts, shopping cart templates, and tools to improve conversions. There is a commerce dashboard for users containing instant insights into sales and other key metrics. 


  • Supports subscription billing
  • Customized checkout
  • Account updater
  • Scale-up for international growth
  • Sell any type of product
  • Access to recurring billing


A payment gateway for an e-commerce store is now a necessity. Hence, you must choose the best online payment gateways in the USA after considering all the factors. You can also check the Best WordPress Plugins for Ecommerce to enhance the functionality of your online store. We hope this list will help you in your decision-making process and you will find the right payment platform for your startup or online store. 


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