Payment providers in United States
Payment providers in United States: PSPs, payment gateways and aggregators for pay-ins and payouts — local methods, rates and onboarding terms. Listings: 193.
Business Expansion LLC
Business Expansion is a business infrastructure and international expansion partner helping iGaming, Web3 and FinTech businesses establish, structure and scale…
Echorch Payment
Echorch Payment Orchestration & Payouts What We Do Echorch is a payment orchestration platform providing unified pay-in and payout infrastructure through a…
Accepta
Accepta is a US payment processor offering a payment gateway, electronic and online payments, bill payments and terminal processing. It serves businesses in…
AcePay
AcePay is a payment provider specialising in crypto processing. It works with projects that struggle to get traditional card acquiring because of industry…
ACI Worldwide
ACI Worldwide is a payment orchestration and processing software company. It states that it was founded in 1975 and is headquartered in Omaha, Nebraska, with a…
Airwallex
Airwallex is a global financial and payments platform for businesses that combines multi-currency accounts, FX, cross-border payments, corporate cards and…
Alacriti
Alacriti is a US payment processing company. Its Orbipay payment hub brings together electronic bill presentment and payment, real-time requests for payment…
AllayPay
AllayPay is a payment service for high-risk merchants. The company opens merchant accounts, connects several payment gateways, provides chargeback management…
ATTRUS
ATTRUS is a cross-border payments provider. Through an API the company offers local pay-ins and payouts, currency conversion and multi-currency treasury for…
Authorize.net
Authorize.net is a payment gateway for online payments and recurring billing. It operates in the United States and Canada. Methods payment cards; eCheck, an…
Autobooks
Autobooks is a payment acceptance service built into a partner financial institution's online and mobile banking. US small businesses and nonprofits send…
Banxa
Banxa is fiat-to-crypto on-ramp and off-ramp infrastructure for wallets, exchanges, fintechs and other platforms. It is a publicly listed company (TSXV: BNXA)…
Beacon Payments
Beacon Payments is a payment service for US businesses. It opens merchant accounts and provides a payment gateway, POS hardware and mobile processing, covering…
Bill360
Bill360 is a payment facilitator (PayFac) that helps US companies accept B2B payments. Payment acceptance is built into the invoicing workflow: the company…
Billtrust
Billtrust is a B2B payment processing service that ties payment acceptance to accounts receivable management. It is built for companies that invoice other…
BitPay
BitPay is a crypto payment processor for businesses and one of the oldest in the field: it states that it has operated since 2011 and is headquartered in…
Blackbaud Merchant Services
This payment solution combines a gateway, a merchant account and processing. It is built into the company's software, so organisations that already manage…
Bluefin
Bluefin is a payment gateway with a strong focus on data protection, founded in 2007 and headquartered in Atlanta, Georgia. Beyond processing payments, it…
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Payment providers in the United States
The US is the largest card market in the world, so most payment service providers here start with Visa, Mastercard, Amex and Discover acquiring and add wallets and bank rails on top. This page lists {count} PSPs, gateways and processors that support US merchants or US customers — from classic merchant accounts to payout APIs.
Local payment methods in the USA
- Cards and wallets: card payments, Apple Pay and Google Pay dominate online checkout.
- Bank rails: ACH debits and credits for subscriptions, rent, B2B and payroll; RTP and FedNow for instant transfers.
- Mechanics: recurring billing, payment links and POS for omnichannel sellers.
Merchant accounts and high-risk processing
US acquiring is underwritten by sponsor banks, and the card schemes' monitoring programs punish high chargeback ratios. Merchants in nutra, CBD, dating, subscriptions, forex or adult usually need a high-risk merchant account: expect rolling reserves, higher discount rates and stricter KYB. Online gambling and sports betting are legal only in some states, so gaming merchants need a processor that checks state-level licensing. See high-risk merchants.
Regulation in brief
Money transmission is licensed state by state, and payment companies often register with FinCEN as an MSB. A PSP that pays out to US recipients or holds funds should be able to explain which licences or bank partners it relies on.
How to compare US payment processors
- Interchange-plus vs blended pricing, chargeback and ACH return fees
- Settlement speed (next-day vs T+2) and reserve terms
- Card-not-present fraud tools, 3DS, and chargeback alerts
- Payout options: ACH, push-to-card, RTP
Related: US banks and EMIs, legal and licensing in the US, payouts. Can't find the right fit? Post a request and providers will contact you.