Top 5 Payment Gateways In The US

In the past few years, online shopping has become a popular trend in the US, with nearly 7 out of 10 people having shopped online at least once. In eCommerce platforms, 27% of US consumers used online gateways in 2020, making it one of the most important factors for the growth of any online business. Among many options for a payment gateway provider in the US, here are the top 5 of them and their corresponding features.

A fast and secure payment gateway helps businesses to improve customer experience and increase revenue. For any business, it is important to consider them carefully based on their benefits and prices.


paypal - best payment gateways in the us

PayPal is one of the most recognized payment gateways in the US with 60.18% of the market share. It is widely used across the globe by approximately 361 million active users. With such popularity, PayPal is, without a doubt, trusted and used by many users in the US.

PayPal accepts a wide range of payment methods, including debit/credit cards, Android/Apple Pay, and Bitcoin. It supports more than 100 currencies which can be highly beneficial for international transactions in the US. In addition, they provide 24/7 customer support in 17 languages, making it one of the most international-oriented online payments. 

Although there are no setup, monthly or gateway fees, PayPal has relatively high charges per transaction.  People in the US will be charged 2.9% + $0.30/transaction, with 3 plans:

  • PayPal Standard—No monthly fee.
  • PayPal Express Checkout—No monthly fee.
  • PayPal Pro—$30/ month



Stripe is the next payment gateway that is trusted by many American businesses. In the US, 90% of adults have used Stripe to buy products from a business. It is particularly popular among online businesses with millions of companies having chosen it as their online payment platform. Being an API-based cloud payment gateway, Stripe allows its users to have full control over the choice of payment method.

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In addition, it supports more than 135 currencies in the world with a wide range of features such as consolidated checkout and a mobile interface. 

Stripe has no setup or monthly charges. However, for each transaction, it costs 2.9% +30¢ (cash/digital wallets), and 3.9% + fixed fee for international cards (plus 1% for currency conversion).


Authorize.Net best payment gateways in the us

Authorize.Net is one of the best payment gateways in the US. It is widely known for accepting all major cards (e.g., Visa, MasterCard, American Express, etc.) and having an advanced Fraud Protection System. Additionally, it also has an account updater and e-check processors, making it a flexible payment gateway for people in the US. 

Although Authorize.Net has the most up-to-date infrastructure, the only drawback is their user interface is not so friendly. However, it is still trusted by many small to medium-sized businesses because of its flexibility and high security. 

For gateway-only pricing, Authorize.Net has no setup fee, a monthly charge of $35, and a 0.30 per transaction.  

Amazon Pay

amazon pay

Amazon has long been one of the most influential brands in the US, and it has leveraged its reputation with a mobile payment wallet. With Amazon Pay, users can easily make payments by their Amazon accounts, thus decreasing the cart abandonment rate. It supports all credit/debit cards and Amazon store cards for selected merchants. 

Apart from making a direct payment on its website, Amazon Pay also allows users to pay securely on other external websites or apps.

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It has no setup or hidden fees and charges 2.9% + $0.3/transaction for people living in the US who make transactions via web and mobile. For those who pay through Alexa, the cost is 4% +$0.3/transaction.



2CheckOut is another payment gateway that is on our list of the best payment gateways in the US. It was recently acquired by Verifone, an American eCommerce and payment solutions company. It currently has more than 20,000 active clients with 4 global offices.

2CheckOut offers various plans to choose from, which offer 45+ online and offline payment methods in more than 29 languages. Moreover, it also accepts payments from more than 200 countries and territories. Such diverse payment options make 2CheckOut suitable for businesses or individuals who frequently make international transactions. 

The company offers 4 pricing plans

  • 2Sell: 3.5% + $0.35/successful sale
  • 2Subscribe: 4.5% + $0.45/successful sale
  • 2Monetize: 6.0% + $0.60/successful sale
  • Enterprise: custom pricing

Wrapping up

Choosing the best payment gateways for your business is one of the key factors to grow, as it can simplify the checkout experience and lead to more sales. We hope that this article about the best payment gateways in the US can be useful for your consideration.

Besides using a reliable payment gateway, a point-of-sale (POS) system can be another perfect choice to maintain an efficient and secured purchase process. ConnectPOS is a point-of-sale provider that is compatible with many payment gateways without any extra fee. If you are interested, please contact us here.

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