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: 192.
Bridge
Bridge is stablecoin infrastructure that companies embed in their own apps. The Bridge stablecoin API lets them accept, hold and convert funds, move money…
BridgePay
BridgePay is an independent payment gateway and provider of embedded checkout forms (BridgeComm and Hosted Payment Page), certified with more than 30…
BVNK
BVNK is a stablecoin and fiat payment infrastructure provider founded in 2021. Businesses, fintech platforms and payment partners use it to accept, send, hold…
CardFlight
CardFlight is a US payments company that builds the SwipeSimple acceptance platform. SwipeSimple is sold through partners such as banks and ISOs, and…
ccNetPay
ccNetPay is a merchant services provider that finds domestic and international merchant accounts and offers a card gateway. The company works with higher-risk…
Chase Payment Solutions
Chase Payment Solutions is the merchant acquiring arm of JPMorgan Chase, operated by JPMorgan Chase Bank, N.A. (also known as Chase Merchant Services and Chase…
Checkout.com
Checkout.com is a global payment platform with intelligent acceptance and a modular checkout (Flow), headquartered in London and founded in 2012. It also owns…
Chipper Cash
Chipper Cash is a money transfer and multi-currency wallet platform that opens its network to businesses through a Network API. The company is listed in the…
Circle
Circle is the issuer of the USDC and EURC stablecoins and the developer of institutional settlement infrastructure built around them. Founded in 2013, it is…
Computop
Computop is a German payment gateway founded in 1997 and headquartered in Bamberg. Its Paygate platform is used by global brands and leading German banks, and…
Conduit
Conduit is cross-border settlement infrastructure that links fiat banking rails with stablecoins through a single API. Fintechs, banks and payment companies…
CourtMoney
CourtMoney is a US payment service that helps government agencies, courts and utilities collect payments from the public. Payers can use a credit or debit card…
Cybersource
Cybersource is a payment gateway and fraud-management platform in the Visa family, with roots in Foster City, California, since 1994. Beyond processing…
Dharma Merchant Services
Dharma Merchant Services provides merchant accounts and payment services in the United States. The company runs on the MX Merchant platform, integrating…
DialPOS
DialPOS is a US company selling POS systems and payment services, mainly to restaurants. It runs an open partner programme: DialPOS accepts applications from…
Dwolla
Dwolla is a US bank-transfer platform founded in 2008 and based in Des Moines, Iowa. It offers programmable account-to-account (A2A) and person-to-person…
Easy Pay Solutions
Easy Pay Solutions is a US payment gateway for accepting payments across channels: on a website, by link, in the office and on subscription. It offers an API…
ECS Payments
ECS Payments is a US payments company that grows its processing business through partners. It invites players from software, sales and referrals to help expand…
Services in United States
Payment providers by country
Subsections
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.