Top payment gateways in USA in 2020

So, you’ve finally decided to set up your eCommerce store to reap the benefits of the digital world. Whether you’ve decided to digitize your small business and sell your products online or already set up your store and loaded it with thousands of products, it wouldn’t mean much if you cannot accept online payments for them. This is why you need a payment gateway to accept payments from your customers. With a lot of payment gateways available in the US right now that allows customers to make payments online, it could be quite difficult to choose the best payment gateway for your eCommerce store

However, we have made the process of picking the best payment gateway for your online store easier by compiling a list of top payment gateways in the USA in 2020. Here are the top payment gateways that you can integrate with your website or mobile application. 

What is a payment gateway and how does it work?

A payment gateway is an application that makes the entire process of online payment more streamlined and secure. It acts as a secure link between your website or application and the bank. 

  1. The role of payment gateway begins when a customer wishes to purchase on your eCommerce store
  2. Your website or application that you have integrated with the payment gateway sends the payment information (Debit.Credit card details or Netbanking details) of the customer to the payment gateway. 
  3. The payment gateway then verifies and confirms the payment details with the bank. 
  4. Upon successful verification, the amount is released from the customer’s bank account and is transferred into your account. 

Thus, the payment gateway acts as a medium that ensures simple and secure online money transactions.

What do you need to consider before setting up a payment gateway for your eCommerce store?

Before you finalize the best payment gateway in the USA for your eCommerce website or your online store, you need to consider a few important factors. They are, 

  • Overall payment gateway cost including setup fee, annual fee, and Transaction Discount rate (TDR).
  • Settlement period (The time taken by the payment gateway to deposit the due amount to your account.)
  • User Interface of the payment gateway.
  • Mobile app compatibility.
  • CMS support.
  • Payment options such as Credit/Debit cards, Netbanking, mobile wallets, UPI, EMI options, etc.
  • After-sale Support and customer care.

There are various payment gateways in the USA that allow customers to make payments online. Here are the top payment gateways in the USA in 2020.

Top payment gateways in USA in 2020


PayPal is one of the most widely used payment gateways in the USA. It is perhaps the easiest payment gateways to configure and you don’t have to worry about security issues. PayPal payment gateway does not require any setup fees, gateway fees, or monthly fees, you just need to pay a simple transaction fee after you make a sale. 

Transaction fee per transaction:

  • 2.9% + $0.30 per transaction
  • Transactions under $10 are charged at 5% + $0.05 per transaction.

Additional costs:

  • No startup costs or monthly costs.
  • If you choose PayPal Pro- you need to pay a monthly fee of $30.

Payment options:

Customers can pay with any major credit card or their own PayPal account.

Top brands that use Paypal:

American Airlines, Airbnb, and Amerisleep. 

For more details click here

Established back in 1996, is one of the most sought-after payment gateways in the USA. It serves more than 430,000 merchants worldwide. is probably one of the best payment gateway options for Magneto based online stores.

Transaction fee per transaction:

  • 2.9% + $0.30 per transaction (All in one plan)
  • $0.10 per transaction + daily batch fee of $0.10 (‘payment gateway only’ plan)

Additional costs:

  • No setup fees.
  • Monthly gateway charges of $25

Payment options:

Visa, MasterCard, Discover, American Express, JCB, PayPal, Visa Click to Pay, Apple Pay, and E-check.

Top brands that use

Zeta Interactive, Allied Wire & Cable, Inc, and Ten-X, LLC.

For more details: click here.


Stripe is one of the leading players in the online payment gateway industry in the USA. It is certified to the highest compliance standards and it operates with 99.9% uptime. It also uses advanced technologies to help increase revenue across conversion, fraud recovery, and more. 

Transaction fee per transaction:

  • 2.9% + $0.30 per transaction (Integrated plan)
  • You can also design a custom package for your business. 

Additional costs:

  • No setup fees.
  • No monthly fees or hidden costs.

Payment options:

  • Dozens of payment methods that support 135+ currencies.

Top brands that use Stripe:

Google, Zoom, Lyft, and Slack.

For more details: click here


PaySimple is a payment gateway of the new age that is rapidly gaining traction in the payment gateway industry in the USA. It lets you accept payments, invoice customers, track customer information, and set up recurring payment systems. So, it is considered an ideal payment gateway for service industries in the USA.

Transaction fee per transaction:

  • 2.49% per transaction + monthly fees for credit cards.
  • 0.10% + $0.60 for ACH/ echeck processing.

Additional costs:

  • Monthly maintenance fee of $24.95 for the starter package and $59.95 for the Standard package.

Payment options:

Credit card payments, ACH (Automated Clearing House), recurring billing, and email invoicing.

Top brands that use PaySimple:

Primerica, travel bound, and Yazu works

For more details: click here


2checkout is a popular payment gateway in the USA that is used for e-commerce business. It is an all-in-one monetization platform that maximizes revenue. 2checkout has top-class privacy and data security standards and an amazing 24×7 technical support. It also integrates well with tools like Shopify and Bigcommerce. 

Transaction fee per transaction:

  • 3.5% + $0.35 per transaction in 2SELL plan 
  • 5.5% + $0.45 per transaction in 2SUBSCRIBE plan 
  • 6% + $0.60 per transaction in 2MONETIZE plan 

Additional costs:

  • No monthly fees.
  • No hidden charges.
  • Currency conversion incurs a fee of 2-5%, on top of the daily bank exchange rate.

Payment options:

45+ payment options including credit/debit cards, PayPal, and localized payment methods like Boleto Bancario.

Top brands that use Chase Paymentech:

White Shark Media, myFico, and Advisera.

For more details: click here

The world is witnessing an unprecedented change and is steering towards complete digital transformation. With eCommerce is growing rapidly across the world, people are getting used to shopping online. So, if you’re looking for the best payment gateway for your eCommerce business, the above list of top payment gateway in the USA in 2020 can help you with it.