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.
Costa Rica Shopify store seeks direct card processing for US buyers
An online store from Costa Rica targets buyers in the United States and currently takes payment only through PayPal. The owner wants direct card acceptance and onboarding as an individual merchant…
Looking for:Payment providers
US GenAI SaaS needs a high-risk acquirer after its processor shut it down
A US generative AI SaaS is looking for a long-term high-risk acquirer. Its previous processor shut it down, and it now needs a partner priced below 10% with no rolling reserve. Requirements acquiring…
Looking for:Payment providers
Korean Shopify store seeks card acceptance in USD, GBP and EUR
The owner of a Korean Shopify store is a foreign national registered as a sole proprietor in South Korea. They want Visa and Mastercard acceptance in dollars, pounds and euros with payouts to a…
Looking for:Payment providers
Adder seeks US collections and payouts for a match-3 game
Adder, a business development representative, is looking for a third-party provider to handle US collections and payouts for a match-3 game owned by a Chinese company. The game targets American…
Looking for:Payment providers
Armenian company needs a Shopify processor for sales to the US, UAE and Europe
A company from Armenia is preparing an online store for market intelligence reports and is looking for an international Shopify processor. Buyers are in the United States, the United Arab Emirates…
Looking for:Payment providers
US Shopify store looks for a PayPal Pro replacement
A US online store selling physical goods on Shopify is looking for a new card provider. The trigger was the deprecation of PayPal Pro, and the Braintree offer the store was counting on was withdrawn…
Looking for:Payment providers
US Shopify Plus store seeks Naver Pay with Recharge subscriptions
A US store on Shopify Plus sells on subscription and wants to add Naver Pay for subscriptions from Korean shoppers, plus other local methods in overseas markets. The condition is to keep its working…
Looking for:Payment providers
Advance seeks banks and payment infrastructure for US insurance
Advance insurance payments for agencies need specialised banking, so the platform is looking for banks willing to serve the insurance sector and for payment infrastructure providers. The legal entity…
Looking for:Payment providersTeams
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.