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.
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…
eMerchantBroker
eMerchantBroker is a provider that opens merchant accounts and connects payment gateways for businesses at different risk levels. Besides cards, the company…
ePayPolicy
ePayPolicy is a payment facilitator (PayFac) built for the insurance business in the United States. It helps agencies collect premiums online, set up autopay…
Feenix Payment Systems
Feenix Payment Systems provides credit card processing and terminal and POS solutions for merchants in the United States. The company has a dedicated focus on…
Finix
Finix is a payments processing and white-label infrastructure platform founded in 2015 in San Francisco. It lets vertical SaaS companies and marketplaces…
Finmo
Finmo is a business payments platform that combines liquidity management, collections and treasury processes. It is operated by Finmo Tech Pte. Ltd. in…
Flat Rate Processing / FlatRate ISO
FlatRate ISO (Flat Rate Processing) operates in the United States and grows through an agent network: the company accepts applications from partners who want…
Fluid Pay
Fluid Pay is a cloud-based white-label payment gateway with a REST API, built on a modern Go architecture and founded in 2017 in the Chicago area (Lombard…
Flutterwave
Flutterwave is a payments platform for acceptance, payouts and cross-border transactions with a strong footprint in Africa. It was founded in 2016 and is based…
Fondy
Fondy is a payment service provider founded in 2016. It accepts international card payments, serves marketplaces and can split payouts between several parties…
Fullsteam
Fullsteam is a payment facilitator (PayFac) operating in the United States and Canada. Its product, FullsteamPay, provides embedded payment processing and…
GivePayments
GivePayments is a US merchant processing provider. It accepts cards and ACH, offers embedded payments for platforms and runs a PayFac-as-a-Service model in…
GoCardless
GoCardless is a London-based provider of bank debit and instant bank payments, founded in 2011. It collects one-off and recurring payments account to account…
Grant Street Group
Grant Street Group is a US company serving the payment needs of government organisations. Its PaymentExpress product accepts payments online, at the counter…
Greater Giving
Greater Giving is a US service that builds payment processing into the work of nonprofit organisations. It accepts donations and payments for charity events…
Helcim
Helcim is a payment service provider for businesses in Canada and the United States. It accepts payments in store and online, issues invoices and handles…
High Wire Payments
High Wire Payments provides payment processing for businesses in the United States. The company matches merchants with a merchant account, processes online and…
Highnote
Highnote is infrastructure for fintech companies and platforms in the United States that combines card issuing, payment acceptance, credit products and a…
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.