[UPDATED] So you’ve finally set up your ecommerce shop and the show is about to start! However, no matter how many products you have amassed on your store, it wouldn’t help you much if you cannot accept payments for them. To get the ball rolling, what you need is a payment gateway for your online store.
So without further ado, let’s take a look at the best payment gateways in the USA that you can choose from.
Top US Payment Gateways
Remember that the gateway you choose for your store must have a supported plugin for the platform your ecommerce website is hosted on. For example, if you opt for PayPal and your online store is based on WooCommerce, make sure that there is a WordPress plugin that works with PayPal.
Launched in 1999, PayPal is one of the most widely used payment gateways in the USA and around the world for both debit and credit payments. Although your customers aren’t required to pay anything for using PayPal, you, the store owner, have to pay a small transaction fee of 2.9% and $0.50 per credit card transaction. The fees is applicable only after a sales transaction has taken place.
PayPal Fee Calculator – Calculate Your Transaction Fees
Three years older than PayPal, Authorize.Net is a highly sought-after payment gateway with more than 430,000 merchants utilizing its services worldwide. There’s no setup fee, but you have to pay a monthly fee of $25 for membership + transaction fee of 2.9% + 30¢ on each order processed. Authorize.Net accepts both debit and credit card payments and is probably the best option for Magento based online shops.
Check out Best Ecommerce Payment Gateways for Dropshipping Stores
PaySimple is rapidly gaining traction in the payment gateway industry and is rightly called the payment gateway of the new age. It accepts all major credit cards across all platforms (including iPads and iPhones). PaySimple offers credit card processing from as low as 2.54% per transaction, plus a monthly fee. For small and mid-sized online shops, the basic subscription plan is a great option!
Since launching in 2002, Clover has earned a good reputation in the competitive payment processing industry. Clover offers Point of Sale systems and payment processing from as little as $65 per month, You need to pay 2.7% + $0.10 per transaction for in-person purchases. For the price, Clover also claims to provide the highest level of security for your data in the industry!
Stripe is the best option for start-ups who do not wish to invest heavily in setting up payment gateways. Stripe is hands down a great choice available in over 25 countries with no setup or monthly cost. You will be charged on a ‘Pay As You Go’ basis with 2.9% + 30¢ per transaction. It’s mostly used in the US, Canada, Australia, and the United Kingdom. It offers WooCommerce integration as well. It’s widely considered one of the best payment gateways in the USA as well.
Stripe Fee Calculator – Calculate Your Transaction Fees
While there are several other options on the market for payment gateways, it’s important to opt for an industry leader to be on the safe side. You should carefully evaluate your needs and requirements and then seek out the best payment gateway that fits your business needs and that serves your store in the long run.
As a reminder, don’t forget to check if there is a working (ad supported) plugin for the chosen gateway for the ecommerce application your store is hosted on!
Customer Review at
“Great performance for the price, and plenty of control”
Sean P [SMB Owner]
Sunyyan Junaid is a Senior Editor and Copywriter at Cloudways. He has over eight years of combined experience in the writing and digital marketing field and prefers to add a whimsical touch to most of his work.