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Top 10 Payment Gateways in the USA for Ecommerce Stores

20 Sep 19  

Reading Time: 7 minutes

Bineeta Thomas


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Online payment gateways have gained popularity since the extensive growth of the internet.

Integrating these payment gateways into different online businesses is common in the present scenario.

Payment gateways are still in their development stage and many mobile app ideas revolve around them after understanding their prominence.

Many of the sophisticated mobile applications find the payment methods not fast enough when compared to other advanced features.

Privacy is the paramount feature that is mandatory for a payment gateway and replacing the physical money is the prime purpose.

The journey – from Inception

Let’s talk about 1994 when technologies were at the brink of exploding with innovations.

Stanford Federal Credit Union started providing online banking for its customers.

Although the algorithm was too complicated and non-compatible with the changes, it still marks the beginning.

Later on, the tech geeks brought in many payment gateways with upgrades and high-end versions, and we use them today for our smooth money transactions. 

E-commerce platforms utilize the payment gateways to make their interaction with the customers faster and simple.

Common people rely mainly on online shopping sites today to buy everything they need.

When the businesses approach a mobile app development company to create an app for their e-commerce business, they wish to integrate a seamless payment gateway to their solution. 

Let’s take a look into some of the payment gateways in USA who’ve found their way up the ladder. 

1. Stripe

Stripe is one of the leading players in the online payment gateway industry.

They provide various payment platforms to bill customers, to set up a marketplace or to accept payments.

Subscription packages automate the payment processes and aids the users.

Stripe promises data security and maintains the highest industry standards and also keeps the payments fast and methods simple.

Integrating Stripe to your e-commerce business will increase optimization rates and take the reach to a global audience.

Recently a new update has brought in a lending feature to offer loans to its users as an attempt to make the economy smoother.

The tech giant is expected to come up with many more features that makes the services better than any other. 

2. PayPal

Paypal is a payment gateway which provides services across the globe.

It is one of the most popular payment gateways in the USA and comes with a 180-day refund option for the users.

Quick sign up, and ease of interaction are some of the exclusive features which make PayPal accountable among the users.

While coming up with an e-commerce mobile app idea, it will not be complete without a payment gateway.

PayPal is free for buyers and can use a debit card or credit card for their purchase.

No setup fees, monthly fees or gateway fees required. Safety is guaranteed. 

3. Authorize.Net

The pioneer in the payment gateway sector, Authorize.Net has come a long way from 1996 to present.

The perfect payment wallets for Magento and OsCommerce powered websites.

Even though there are $49 setup fees and $29 monthly gateway fees, Authorize.Net is one of the most sought after payment gateways in the USA.

Also, it allows you to make transactions the way you want it to happen.

Their wide range of services covers every possible payment method to suit your e-commerce business.

The startups, when thinking about a payment wallet app development, usually take a reference form the prime player to get insights. 

4. Amazon Pay

The familiar name had it’s leverage when Amazon got into payment wallets.

Users can make payments through their existing Amazon account without leaving the shopping window.

Integrating amazon pay as a checkout option will increase the possibilities of transactions and lower cart abandonment.

Since Amazon is an e-commerce website, the payment gateway is designed to solve every possible payment challenges the user might encounter.

Fraud detection and customer verification are some other features that come with the Amazon Pay to benefit your business.

5. 2CheckOut

A secure payment gateway to be included in your e-commerce business.

2CheckOut makes digital sales easier globally and is an all-in-one monetization platform that maximizes revenue.

24×7 technical support and dedicated account manager are the promises given by 2CheckOut for your business.

Privacy and data security are ensured.

2CheckOut can tackle the complexities of global digital commerce and offers subscription billing services as well to the customers. 

6. PaySimple

Integrate your e-commerce with PaySimple payment gateway to get the best digital billing services at the lowest price.

When the world is hungrily searching for new mobile app development trends, PaySimple offers its customers a quick and straightforward way to transfer money.

The gateway is equipped with technologies to enable all kinds of money transactions, including credit cards.

Recurring payment collection is yet another feature paySimple has to offer. 

7. WePay

A robust payment gateway to make your payments possible in a secure way. WePay provides integrated payments for any business model.

Wepay becomes the best choice for your e-commerce application as it is one of the best payment gateways in the USA.

Instant on boarding and same-day deposits at no additional cost.

WePay offers easy and fast checkout for the e-commerce carts and also decreases the cart abandonment rates.

8. BlueSnap

BlueSnap is the perfect payment gateway that is compatible with every e-commerce mobile app development framework.

BlueSnap allows you to make payments across the global form a single account.

Optimized payment conversions, along with fraud prevention and risk management, are some of the features BlueSnap offers.

BlueSnap makes things possible without changing anything in your eCommerce business.

Also, 100+ payment types and e-wallets to reach more global shoppers, 100 shopper currencies, and 17 payout currencies are some other specialties BlueSnap offers to its customers. 

9. Payline

Payline is yet another payment gateway for eCommerce applications in the USA.

This platform allows the user to accept payments in every form, including credit cards.

Also, a customized solution exclusively for your business can be created at payline.

Payline has a wide range of services under a single roof. Data security and safety are held high for every transaction made.

Integrated and fast payment methods will get your business high conversion rates and higher visibility. 

10. Adyen

Adyen uses leading technologies to create seamless payment experiences.

Global payments, amazing experience, and faster growth all come along with Adyen payment gateway.

Integrating this with your eCommerce platform will give your customers a hassle-free checkout and thus bringing in a higher level of customer satisfaction.

Customer feedback provides us with an insight into the performance of Adyen that it managed to come up with a risk-adjusted ROI of 106% in 2018.

Payment Gateways – A Future Analysis

The future is inevitably online.

The course of payment gateways will be routed to attain perfection in every possible method online.

Payment automation will be in demand, and so is payment gateway integration in various mobile and web solutions.

With the advancement in technology, it is assumed that payment gateways will get more and more sophisticated as time passes.

Integration of IoT, AI and many more technologies yet to come will for sure, define a new era of payment services for the future generation.

Bio authorizations are not distant, and it might leap far from just the retina and fingerprints. 

The banking industry will attain a newer and more online version of sophistication.

The now non-feasible nano and micro-transactions will become affordable and common.

Decentralization of transactions will, up to a large scale, unravel the much-faced challenges in the payment gateway sector.

As a result, the charges will also be cut down drastically.

With the advent of big data and blockchain, everything we’ve imagined once as impossible is being made not only possible but much simpler and fast. 

Final Words!

An eCommerce site or mobile app without a payment gateway to checkout form the cart is unimaginable.

So choosing the best one for yours is the challenge.

I hope this article has shed some light on your thoughts and talks about payment gateways in the US for e-commerce stores.

Mobile app development without payment gateway has gone out of the question these days.

So investing your time and money on something you can count on will be wise and perfect.

The banking and payment sectors are on the verge of changing forever, leaving behind the physical methods.

Change is inevitably approaching and adapting to technology is becoming a necessity. 

Based on the current pace, technology will never give us a chance to look back and regret the old methods.

Adapting to the newer techniques and implementing them will pave our path to success. 

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