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.
Nequi
Nequi is a payment system from Colombia that has been running since 2016. Its operator is Bancolombia S.A., a major Colombian bank. The service takes in money…
NihaoPay
NihaoPay helps international merchants accept payments from customers used to Chinese payment systems. Acceptance works online, in mobile channels and in…
NMI
NMI is a white-label payment gateway platform and infrastructure for ISOs, PayFacs, ISVs and acquiring banks. It was founded in 2001, with offices in Roselle…
North
North is a US company providing card processing and merchant services. It builds omnichannel acquiring, works with ISOs and ISVs and states dedicated programs…
OrthoBanc
OrthoBanc is US payment processing built for orthodontic and dental practices. The service manages recurring patient payments and takes payments at the point…
Paga
Paga is a payment system founded in 2009 and operating in Nigeria and the United States. It offers businesses bulk payouts, API integration and a mobile app…
Paswix
Paswix is a Lithuanian electronic money institution operating through Payswix, UAB, based in Vilnius. The company says it has served businesses and individuals…
PatientPay
PatientPay is a payment facilitator (PayFac) that processes patient payments and handles patient billing. It operates in the United States and serves clinics…
Pay N Seconds
Pay N Seconds is a US payment gateway that combines acceptance, billing, recurring charges and merchant portals. A business gets one gateway for every channel…
Pay Theory
Pay Theory is a US payment facilitator (PayFac) focused on accessible online payments. It embeds payment acceptance, invoicing and recurring billing into…
PayAdmit
PayAdmit is payment orchestration infrastructure: a brandable gateway and payment cashier for PSPs, banks and high-volume operators. The client launches a…
PayAngel
PayAngel handles international transfers for individuals and business payments: collections, wallets and payouts. Money is sent from the UK, the US, Canada and…
PayDiverse
PayDiverse is a B2B intermediary in payment processing: it finds the merchant a suitable account with partner banks, connects a payment gateway and helps…
Paygasus
Paygasus is a payment gateway for omnichannel payment acceptance in the United States and Canada. It brings online, in-person and phone channels together…
PaymentCloud
PaymentCloud is a US company, founded in 2015 and based in Los Angeles, that opens merchant accounts for high-risk businesses and supplies risk management, MID…
Payoneer
Payoneer is a cross-border payments platform for companies, freelancers and marketplaces: receiving international revenue, payment requests and mass payouts…
PayPal
PayPal is a US payments company founded in 1998 and headquartered in San Jose, California. In the chargeback management segment it offers the Disputes REST API…
PaysafeCard
PaysafeCard is a payment system founded in 2000. Businesses use it to accept payments from customers in Europe, North and South America, the Middle East and…
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.