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.
Store with US and Swiss offices wants UPI for buyers in India
An online store with offices in the US and Switzerland needs UPI for a foreign store: a large share of its buyers are in India and are used to paying with UPI. The available WooCommerce plugin fails…
Looking for:Payment providers
Stable PSP partners wanted for India, USA, Bangladesh, Thailand and Argentina
The author is looking for PSP partners for India and the USA, as well as Bangladesh, Thailand and Argentina. The key word in the request is "stable": they want a provider to rely on over the long…
Looking for:Payment providers
Swift MIDs seeks US processors, PSPs and PayFacs for specific merchant files
Swift MIDs is looking for partners for high-risk acquiring in the US: processors, PSPs, PayFacs and teams with direct acquirer access. Partners will receive ready merchant files for review and…
Looking for:Payment providers
IS Pay seeks banking, payout and FX infrastructure for B2B clients
IS Pay (IS Global Services LLC) is looking for B2B banking infrastructure: bank and BaaS access, payout APIs, FX liquidity and stablecoin settlement. The company describes itself as a technology and…
Looking for:Payment providers
Brazilian SaaS seeks a Stripe replacement over 30-day settlement
A Brazilian SaaS product serves clients in the US and Brazil and is looking for a Stripe alternative. The author says that on the account funds are released after 30 days, which slows down the…
Looking for:Payment providers
Dedicated accounts, ACH/EFT and cards wanted for US and Canada high-risk merchants
High-risk merchants in the US and Canada need large-capacity ACH/EFT processing, credit card acceptance and dedicated merchant accounts. The clients are B2B iGaming businesses, and the company name…
Looking for:Payment providers
Indian export Shopify store seeks a multi-currency checkout
An Indian export store on Shopify is already operating and expanding abroad. It needs a multi-currency checkout where buyers pay in their own currency, plus a compatible gateway. As a fallback, the…
Looking for:Payment providers
US Card Solutions invites agents and sub-ISOs in the US
US Card Solutions invites agents and payment companies in the United States to grow a merchant portfolio under their own brand. Partners receive white-label solutions, underwriting and equipment…
Looking for:TeamsTradersPayment providers
National e-Payment recruits ISOs and agent teams in the US
The National e-Payment partner program recruits ISOs and agent teams that sign up merchants in the United States. The company provides the infrastructure, including bank relationships, technical…
Looking for:TeamsTradersPayment providers
Elavon seeks ISOs, PayFacs, banks and integrators in the US and Canada
The Elavon partner program is aimed at those who sign up merchants, integrate payments or build their own acquiring business. The company operates in the United States and Canada and offers one…
Looking for:Payment providersTeamsTraders
ECS Payments seeks referral partners, ISOs and software developers
The ECS Payments partner program is how the company plans to grow its card processing client base in the United States. It invites people who reach businesses through software, direct sales or…
Looking for:TeamsTradersPayment providers
DialPOS seeks partners with restaurant clients in the US
The DialPOS partner program is built for people who already work with restaurants. The company offers to co-sell POS systems, payment acceptance, hardware and white-label solutions to those clients…
Looking for:TeamsTradersPayment providers
Solo mobile app developer seeks an individual-friendly subscription provider
A solo mobile developer is looking for subscriptions for solo developers: a provider that onboards individuals without a registered company. The setup must comply with App Store and Google Play…
Looking for:Payment providers
US adult content business seeks a processor or MoR for subscriptions
A US company with adult digital content is looking for a processor or merchant of record for subscriptions. The main condition is that the provider explicitly permits the category in its own rules…
Looking for:Payment providers
Bull City Boudoir photo studio seeks a Square replacement
Bull City Boudoir, a photography studio in Durham, North Carolina, is looking for a Square replacement for a photography studio. One provider should cover several flows: in-person mobile sales…
Looking for:Payment providers
Logistics firm BFN Solutions seeks ACH auto-pull for clients
BFN Solutions, a small logistics and fulfillment company in Los Angeles, is looking for ACH auto-pull for logistics invoices. Its clients are billed monthly, and the company wants to debit their bank…
Looking for:Payment providers
KrillPay seeks banks and infrastructure for new international corridors
KrillPay, a cross-border transfer platform, is looking for financial institutions and infrastructure partners. The goal is to broaden banking relationships and open new international corridors. The…
Looking for:Payment providersTeams
Indian kitchenware exporter wants a checkout cheaper than PayPal
An Indian kitchenware and drinkware store already selling abroad is looking for a PayPal alternative for exporters. Three criteria matter: lower cost, smaller currency conversion losses and higher…
Looking for:Payment providers
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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.