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.
SeamlessChex
SeamlessChex is a payment processing service for businesses in the United States. It accepts cards, ACH and electronic checks, handles payouts and reviews…
SecureGlobalPay
SecureGlobalPay is a merchant services provider and payment gateway focused on higher-risk industries. It accepts cards, bank debits, wallets and…
Shark Processing
Shark Processing is a merchant services and payment gateway provider working in two directions: domestic processing in the United States and international…
Shift4
Shift4 is a US payment processor and acquirer, founded in 1999 and based in Allentown, Pennsylvania, with a base in Malta formerly known as Finaro and…
SignetPay
SignetPay is a payment gateway that states it operates in several markets: India, the Asia-Pacific region, the United States, the United Kingdom and the UAE…
Simple.app
Simple.app is a payment provider founded in 2021. It combines crypto processing, mass payouts and P2P transfers, serving companies in crypto, e-commerce and…
Skrill
Skrill is a payment system that has been running since 2001. It combines an e-wallet, bank transfers, a mobile app and an API for businesses. Payment methods…
Sola Payments
Sola Payments, formerly Cardknox, is a flexible payment gateway and white-label platform for software developers (ISVs) and ISOs. Founded in 2012 in Howell…
SportsPay
SportsPay is a payment gateway for sports registration platforms, clubs and leagues. It handles online and terminal payments and provides an API with…
SpotOn
SpotOn is a US payment processing provider for restaurants, retail shops and service businesses. It combines in-store acceptance, a virtual terminal and…
Square
Square is a PSP and payment aggregator covering in-store payments, POS and invoice collection. Its core customers are retail shops and restaurants. What it…
Stax
Stax is a US embedded-payments and PayFac infrastructure provider founded in 2014 in Orlando, Florida. Its Stax Connect (Stax Engine) product is a white-label…
Stripe
Stripe is an international payment service provider founded in 2010, with offices in San Francisco and Dublin. The tools covered here are its fraud, identity…
sunday
sunday is a payment facilitator (PayFac) built for restaurants and hospitality. It operates in the United States and the United Kingdom and lets guests settle…
Swapped
Swapped is an on-ramp and off-ramp platform that lets users buy and sell digital assets, including stablecoins, with fiat payments. For businesses it offers a…
Toast
Toast is a payment facilitator (PayFac) for restaurants and hospitality in the United States. The company onboards venues itself, sets pricing, handles…
Transak
Transak is on-ramp and off-ramp infrastructure for fintechs, wallets, money transfer and payroll platforms, and Web3 projects. Founded in 2019, it has offices…
Triple Play Pay
Triple Play Pay is a payment facilitator (PayFac) from the United States. The platform accepts payments across channels, gives developers an API and SDK, 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.