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.
Triple-A
Triple-A is a stablecoin payment infrastructure provider for businesses, with presence in Singapore, France and the United States. The company states that it…
Two
Two is a payment service for B2B sales where the buyer pays an order by invoice. It plugs into checkout and offers corporate customers payment terms, meaning…
UniTeller Financial Services
UniTeller is a network for cross-border money transfers and business payments. The company handles pay-ins, sends payouts to recipients and operates through a…
US Card Solutions
US Card Solutions is a US payments company that grows through a partner network. Its program lets partners build their own merchant portfolio under their own…
USezPay
USezPay is a US company that processes credit card payments and integrates them with POS systems and e-commerce. Merchants get card acceptance built into the…
UU Wallet
UU Wallet is a payment provider founded in 2024. The company handles P2P and crypto processing and connects via API. Currencies and assets USD, CNY, SGD, TRX…
ValPay
ValPay is a payment facilitator (PayFac) that embeds processing directly into software platforms. The company operates in Canada and the US and adds terminal…
VERIFIED Credit Card Processing
VERIFIED Credit Card Processing is a US payment service that finds merchant accounts and advises on gateways and equipment. It works through a network of…
Waystar Patient Payments
Waystar Patient Payments is a payment facilitator (PayFac) for US healthcare. The solution helps clinics and medical organizations in the United States collect…
Wert
Wert (Wert.io) is an embedded card checkout and fiat on-ramp for Web3 products, tokens and NFTs. A project integrates the payment form, the customer pays by…
Wise
Wise is an international payments service whose business offering combines a multi-currency payment account, FX, international transfers and batch payouts. The…
WorldFirst
WorldFirst is a cross-border payments service for businesses, founded in 2004. Its main product is the multi-currency World Account, used to receive revenue…
YeahPay
YeahPay is a payment facilitator (PayFac) that connects merchants to card acceptance across Asian markets and the US. Its listed countries are Hong Kong…
Zego
Zego is a payment service for property managers and homeowners associations (HOAs) in the US. It collects rent and dues, sets up autopay and reconciles…
Zoho Payments
This is a payment aggregator operating in India and the US. It accepts online payments via UPI, bank cards and net banking. Payment methods UPI: India's…
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.