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.
Payscout
Payscout is an acquiring and integrated processing company, founded in 2011 and based in Los Angeles. Here it appears through WinDisputes, a Chargeback Gurus…
PaySimple
PaySimple is a US payment services provider that works with service businesses. Its core offering is integrated payments and recurring billing. What the…
Paystack
Paystack is a payment gateway and orchestrator for African businesses, founded in 2015 in Lagos and now part of Stripe. It handles online and in-person…
Paystand
Paystand is a B2B payment orchestration and accounts receivable automation platform, founded in 2013 and based in Scottsdale, California. It routes business…
Payz / PSI-Pay
Payz / PSI-Pay is an e-wallet and payment account for businesses. Operating since 2000, it provides a multi-currency business wallet and a merchant account…
Payze US
Payze US is a payment processing service for merchants in the United States. It combines direct merchant accounts with its own payment management software, so…
Persolvent
Persolvent is a payment facilitator (PayFac) based in the US. It opens merchant accounts and supplies embedded payment technology that developers add to their…
PhotonPay
PhotonPay is a payment system founded in 2015. It gives businesses a global account for receiving funds and moving them out via bank transfers, SEPA, SWIFT and…
Phreesia
Phreesia is a payment facilitator (PayFac) for healthcare in the United States. It processes card payments and collects money from patients right inside a…
Plaid (plaid.com)
Plaid (plaid.com) is a bank connectivity and payments infrastructure company founded in 2013 in San Francisco. It links bank accounts, moves money account to…
ProPay
ProPay is a company that processes payments for businesses in the United States. Its main audience is small business: it opens merchant accounts and provides…
Ramp Network
Ramp Network is fiat-to-crypto infrastructure founded in 2017, with offices in London and Warsaw. It lets individuals buy and sell cryptocurrency and lets…
RapidCents
RapidCents is a payment technology provider for merchants in Canada and the United States. The company covers three scenarios at once: in-store acceptance…
Rapyd
Rapyd is a fintech-as-a-service and payment orchestration platform founded in 2016, with offices in London and Tel Aviv. It brings together 900+ payment…
Razorpay
Razorpay is a payment aggregator and gateway founded in 2014 in Bengaluru, India. Its Optimizer product is an AI payment orchestration layer that manages how…
Remitly
Remitly is an international money transfer service for individuals and businesses. Money is sent through a mobile app or the web service, and recipients…
Robokassa
Robokassa is a payment aggregator that has been helping online merchants accept payments and connect payment services since 2002. The company works with…
Salucro Healthcare Solutions
Salucro Healthcare Solutions is a payment facilitator (PayFac) focused on healthcare in the United States. It helps clinics and medical organisations collect…
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.