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.
Host Merchant Services
Host Merchant Services is a US payment provider operating as an ISO: the company connects businesses to payment acceptance online, at the point of sale and via…
Illumia
Illumia is a payment service that embeds payment acceptance and merchant services into the operations of education campuses. Its main market is the United…
INSTO
INSTO is a payment gateway operating in Taiwan and the United States. It accepts the major international cards and Apple Pay, and getting started is simple for…
iWallet
iWallet is a payment system with an e-wallet, operating since 2000. The operator is iWallet Inc., a US company based in San Francisco. The service combines…
Klarna
Klarna is a payment provider founded in 2005 that operates through the Swedish entity Klarna Bank AB. It serves e-commerce, financial services and travel, and…
Kurv
Kurv is a payment processing company for businesses in the United States that covers both online and in-store sales. The toolkit includes terminals, a mobile…
Kushki
Kushki is a Latin American payment company that combines regional payment orchestration with direct acquiring. It was founded in 2017, and its headquarters are…
LemFi
LemFi is an international money transfer service that works through a mobile app. Money can be sent from Canada, the United States, the United Kingdom and…
Lightspeed Payments
Lightspeed Payments provides embedded payment acceptance for retail stores and restaurants. Payments run inside the point-of-sale system, and in supported…
Maxpay
Maxpay is a payment platform for online businesses with built-in chargeback protection and anti-fraud. It was founded in 2014 and is based in Malta and Cyprus…
Merchant One
Merchant One is a payment processing company in the United States. It opens merchant accounts and sets up card acceptance through POS systems, mobile devices…
MoonPay
MoonPay is a fiat-to-crypto provider founded in 2019 with offices in Miami and London. Beyond its retail on/off-ramp, it runs an Enterprise line, a stablecoin…
Movantis
Movantis is cross-border payment infrastructure that keeps collection, payouts and reconciliation in one place. Its FX, stablecoin and card services are…
MuchBetter
MuchBetter is an e-wallet that has been running since 2016. Users top up a balance and spend it at merchant checkouts that support this payment option, which…
Mukuru
Mukuru is a money transfer service focused on Africa and international corridors. Its page for senders in Malawi lists recipients in African countries, Asia…
Mural Pay
Mural Pay is financial infrastructure for fintechs, platforms and mass payouts. Named virtual accounts and wallets are combined with local payment collection…
National e-Payment
National e-Payment is a US payment company building a partner network. It recruits partners who bring in merchants and equips them with what they need: bank…
National Processing
National Processing is a US processing company that emphasises account management and US-based support. Clients get not only payment acceptance but also 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.