Imagine, you’re browsing through your favorite online store, eagerly adding items to your cart. When it comes time to pay, you’re swiftly ushered through a secure gateway, where your payment information is encrypted and processed in the blink of an eye. This unassuming yet vital technology is the cornerstone of modern transactions, bridging the gap between buyer and seller with efficiency and reliability. Likewise, implementing the right payment gateway is crucial when you start an ecommerce business, as it ensures seamless transactions and fosters customer trust. The global payment gateway market size was valued at USD 26.79 billion in 2022 and is expected to expand at a compound annual growth rate (CAGR) of 22.2% from 2023 to 2030. But what exactly lies behind the curtain of these digital guardians? Join us as we embark on a journey to uncover the top payment gateways in the USA and discover how they sculpt the ever-evolving landscape of e-commerce.

A graph showing global payment gateway market size value in 2022 and expected  annual growth rate in 2030
Image source : grandviewresearch

What Is a Payment Gateway?

A payment gateway is a technological tool employed by merchants to enable the acceptance of debit or credit card transactions from customers. This encompasses not just the physical card readers typically seen in traditional retail outlets but also the digital payment platforms found in online shops. Moreover, brick-and-mortar payment gateways have expanded their functionality to include the acceptance of phone-based payments through QR codes or Near Field Communication (NFC) technology.

How Payment Gateways Work

The payment gateway plays a crucial role in electronic payment processing by transmitting customer data to the merchant-acquiring bank, where transactions are processed. This technology continually evolves to align with changing consumer preferences and technological advancements. Previously, terminals relied on magnetic strips for credit card transactions and paper signatures. However, chip technology advancements allowed for signature elimination, replaced by personal identification numbers (PINs) entered directly into the gateway hardware. The accuracy of PINs is verified using the Luhn algorithm. Today, contactless payments have become prevalent, with many consumers opting to use their smartphones instead of physical cards. 

The architecture of payment gateways varies depending on whether they’re used in-store or online. Online gateways require application programming interfaces (APIs) to facilitate communication with payment networks, while in-store gateways connect electronically to payment processing networks via POS terminals linked to phone lines or the internet.


PayPal stands out as one of the premier payment gateways available in the United States. Originating in 1998 under the name Cofinity, it has since amassed a staggering user base of over 360 million active accounts worldwide. Functioning as a comprehensive global online payment solution, PayPal empowers users to conduct digital payments and money transfers effortlessly. With over two decades of industry expertise, the platform supports transactions in more than 100 currencies, catering effectively to international businesses. Notably, it offers features such as ‘Buy Now, Pay Later’ functionality, support for recurring payments, professional invoicing capabilities, and streamlined payment operations.

Studies indicate a significant uptick in consumer purchase intent—up by 54%—when PayPal is offered as a payment option. Leveraging the PayPal payment gateway presents a lucrative opportunity to enhance the revenue streams of your online store. 

Key Features:

  • Seamless and Secure Checkout
  • Mobile-First Shopping Experience with Effortless Checkout Processes
  • Support for Over 100 Currencies
  • Incorporation of Fraud Protection Technology


  • Effortless Integration with Websites
  • Round-the-Clock Customer Support
  • Diverse Array of Payment Methods
  • Robust and Reliable Performance


  • Elevated Transaction Fees
  • Account Freezing in Dispute Scenarios 

Established in 1996, has earned the trust of over 430,000 merchants, overseeing a staggering 1 billion transactions and facilitating $149 billion in payments annually. Recognized for its outstanding performance, the payment gateway received the prestigious top-performing payment gateway award in August 2020 for achieving the highest rate of successful authorizations.

With’s payment solution, businesses can offer customers a wide array of payment options, ranging from debit and credit cards to eChecks and digital payments such as Apple Pay, PayPal, and Visa Click to Pay. Renowned as one of the premier online payment gateways in the USA, it boasts advanced fraud detection capabilities, supports recurring payments, and provides simplified PCI DSS compliance.

Key Features:

  • Customer Information Manager
  • Digital Invoicing
  • Streamlined Checkout Process
  • E-Check Processing


  • Reliable and Scalable Platform
  • Report Generation Capabilities
  • QuickBooks Integration
  • Virtual Terminal and Batch Upload Functionality


  • Lack of Free Trial Options


Stripe, a financial service with roots in both Ireland and the United States, maintains its headquarters in San Francisco and Dublin. Recognized as one of the most dependable payment processors for e-commerce stores and mobile applications in the USA, Stripe was established in 2011 and has since made significant strides across various sectors, including B2B, B2C, e-commerce, retail, and SaaS. Trusted by millions of companies spanning over 120 countries, the Stripe online payment gateway boasts an impressive clientele that includes renowned brands like Amazon, Google, Microsoft, Shopify, Uber, Spotify, and Slack. 

The platform offers a hosted payment solution complemented by an embeddable UI toolkit, invoicing capabilities, and seamless integration with third-party services. Holding PCI Service Provider Level 1 certification, Stripe employs top-tier security measures, including encryption of sensitive data and robust communication protocols.

Key Features:

  • Fraud Protection Measures
  • Provision of Virtual and Physical Card Issuance
  • Business Spend Management Tools
  • Compliance with the Highest Standards of Certification


  • Empowers Online and In-person Retailers with Robust Payment Solutions
  • Ideal for Subscription-based Businesses
  • Scalable and Redundant Infrastructure


  • Limited Support for Certain Countries


2Checkout, now under the umbrella of Verifone, stands out as a leading comprehensive monetization platform. Established in 2006, the company has expanded its reach globally, serving clients through its four international offices. Annually processing over 1 billion transactions, 2Checkout has garnered several accolades that solidify its position among the top payment gateways in the USA. These include compliance with industry standards such as PSD2, PCI DSS Level 1, GDPR, Privacy Shield, ISAE 3402, SSAE 18, 3-D Secure Vendor/Client Protection, Verified by VISA, and BBB Accreditation.

The company boasts notable achievements such as ranking fifth in the world’s Best Cost Per Sale (CPS) Affiliate Networks, being recognized as a Leader in the Grid® Report for Subscription Billing and Subscription Management, and earning the Platinum Winner title in the Best B2B Payment Platform category, among others.

By integrating 2Checkout into your online business payment system, you can streamline payment collection from global customers, leveraging its comprehensive features like subscription billing, customized checkout, and account updater functionality.

Key Features:

  • Subscription Billing Support
  • Customizable Checkout Experience
  • Account Updater Functionality


  • Integration Capability with Over 100 Online Carts and Systems
  • Support for Over 100 Currencies
  • Multilingual Support in Over 30 Languages


  • Higher Cost Compared to Alternative Solutions

Amazon Pay

Amazon Pay, introduced in 2007, offers an online wallet-based payment solution enabling Amazon users to conduct transactions using their wallet balances. This payment method proves convenient for the vast user base of Amazon. Available to businesses not only in the United States but also in numerous other countries such as Japan, France, Germany, and Denmark as of March 2023, Amazon Pay has garnered a substantial user base, surpassing 50 million UPI global users by 2023. Esteemed brands like BigCommerce, Brooklyn, Chico’s, Forever 21, and Magento utilize this widely adopted payment gateway in the USA.

Amazon account management services streamline the integration and operation of payment gateways within the Amazon platform, handling tasks such as setup, configuration, and troubleshooting to ensure a seamless experience for sellers and buyers alike. Moreover, it features Alexa skills, enabling users to add products and create wish lists through voice commands. Tailored solutions are offered to enterprise-level businesses utilizing this online payment service, which can be customized using APIs and SDKs.

Key Features:

  • Customer Verification and Validation
  • A-to-Z Guarantee
  • Fraud Detection and Prevention Measures
  • Robust Technical and Customer Support


  • Facilitates Quick and Effortless Checkout Process
  • Voice-Enabled Purchases via Alexa Skills
  • Minimal Cart Abandonment Rates
  • Enhances Conversion Rates
  • Eliminates the Need to Enter Credit Card Information
  • Transparent Pricing Structure


  • Requirement for Customers to Possess an Amazon Account for Payments


The top payment gateways in the USA offer businesses a range of reliable and efficient options to streamline transactions. Additionally, when it comes to payment gateways, partnering with the best digital marketing agency in Bangalore can be instrumental in optimizing online transactions. Through their expertise in e-commerce strategies, they can advise on selecting the most suitable payment gateway solutions, ensuring seamless integration, and overall user experience for customers navigating through the checkout process. Nonetheless, from PayPal and Amazon Pay to Stripe and 2Checkout, each platform brings unique strengths to the table, catering to diverse business needs. By carefully considering factors like features and support, businesses can select the ideal gateway to drive seamless transactions and foster growth in the digital marketplace.