Setting up an online eCommerce store for your business is common these days. But, it isn’t an easy task. There are things that matter, like selecting the best CMS for your online store, choosing the top payment gateway in your region, creating products, creating their marketing campaigns, and more.
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A crucial part of developing an eCommerce site is selecting the best payment gateway. While setting up an online store, a payment system is something that you cannot risk. Because your payment system can either make or break a business.
You have multiple options to choose from among the top payment gateways in the USA if you are a business in the US.
Selecting the best US payment gateway from the list mentioned below has to be done based on multiple factors like easy integration, compatibility with your CMS, security, pricing, and ease of use.
PayPal
Established in 1998 as Cofinity and having more than 360 million active users across the globe, PayPal is undoubtedly the best payment gateway for the USA. It is a global online payment solution allowing users to make payments and money transfers digitally.
PayPal helps to leverage the diverse tools that help run a successful and profitable store and it makes it very easy for your customers to pay you anywhere and at any time.
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PayPal also offers a recurring payments facility, professional invoices, and streamlined payment operations for your business.
Features:
- Seamless & Secure Checkout
- Mobile-first shopping experience with the smooth checkout process
- Supports 100+ currencies
- Fraud protection technology
Pros:
- Easy integration with website
- 24/7 customer support
- Multiple payment methods
- Robust and reliable
Cons:
- High transaction fees
- Frozen accounts in case of disputes
Authorize.Net
It was founded in 1996, is trusted by more than 430,000 merchants and, handles over 1 billion transactions and $149 billion in payments every year.
For having the highest rate of successful authorizations in August 2020, this payment gateway received the top-performing payment gateway award and has the solution that your business can offer various payment options to the customers like debit cards, credit cards, and eChecks to digital payments like Apple Pay, PayPal, and Visa Click to Pay.
Authorize.Net is one of the best payment gateway providers in the USA and includes advanced fraud detection, supports recurring payments, and offers a simplified PCI DSS.
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Features:
- Customer Information Manager
- Digital invoicing
- Simple checkout
- E-check processing
Pros:
- Reliable & scalable platform
- Report generation
- Sync QuickBooks
- Virtual terminal and batch upload
Cons:
- No free trial
Stripe
Stripe is an Irish American financial service headquartered in San Francisco and Dublin. It offers one of the reliable payment processors in the USA for eCommerce stores and mobile applications.
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Including Amazon, Google, Microsoft, Shopify, Uber, Spotify, Slack, and National Geographic, Stripe online payment gateway is trusted by millions of companies in more than 120 countries across the globe.
The company was launched in 2011 and has nailed all the sectors like B2B, B2C, E-commerce & Retail, software as service, and Non-profit & Fundraising.
Stripe now has millions of its users from 14 global offices with more than 4,000 employees and 90% of US adults have bought from businesses using Stripe.
Leveraging Stripe for your business guarantees revenue increase and an improved payment system.
Stripe offers a hosted payment solution with an embeddable UI toolkit, invoicing, and third-party integration support and is the PCI Service Provider Level 1 certified with the best-in-class security tools, encryption of sensitive data, and communication.
Features:
- Fraud protection
- Issue virtual and physical cards
- Manage business spend
- Certified to highest compliance standards
Pros:
- Power payments for online and in-person retailers
- Support subscription businesses
- 99.9%+ uptime
- Scalable & Redundant
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2Checkout
This is a Verifone Company founded in 2006 and has more than 20,000 clients served now from 4 global offices and serving in 180 countries.
The company handles over 1 billion transaction volumes every year.
Listed here are the popular titles earned by 2Checkout that are responsible to make 2Checkout to the top 10 list of payment gateways in the USA:
- PSD2 Compliant
- PCI DSS Level 1 Certified
- GDPR Compliance
- Privacy Shield
- ISAE 3402 and SSAE 18 compliant
- 3-D Secure Vendor/Client Protection
- Verified by VISA
- BBB Accreditation
2Checkout has also won many prestigious awards in the payment gateway industry like:
- Ranked fifth on the world’s Best Cost Per Sale (CPS) Affiliate Networks
- Recognized as a Leader in the Grid® Report for Subscription Billing and Subscription Management.
- Platinum Winner in the Best B2B Payment Platform category.
All these aspects make this payment gateway one of the top payment gateways in the US and are sure to maximize the revenue and collect secure online payments from your global customers.
Features:
- Supports subscription billing
- Customized checkout
- Account updater
Pros:
- Integrate more than 100 online carts & systems
- Supports 87 currencies
- Supports 15 languages
Cons:
- A bit costly
Amazon Pay
This is an online wallet-based payment service. Customers having an Amazon account can capture payments through their Amazon Pay balance making it easy for millions of people to pay for products and services by using the information stored in their Amazon accounts.
Amazon Pay was launched in 2007 and is owned by Amazon. In March 2021, they expanded their services in many countries such as Japan, France, Germany, Denmark, and more.
Amazon Pay has around 33 million users and is working to convert millions of existing customers to dedicated Amazon Pay users.
It is one of the most popular payment gateways in the USA and the top 64 companies such as BigCommerce, Brooklyn, Chico’s, Forever 21, Magento, and many more are using Amazon Pay.
Amazon Pay works smoothly with your site and is ideally optimized for mobile applications making it easier for the shoppers.
It is also equipped with Alexa skills similar to talking that allows users to add products and make wish lists by using voice. They provide specific solutions to large-scale businesses with the help of online payment services that can be customized using APIs and SDKs.
Features:
- Verifies and validates the customer
- A-to-Z Guarantee
- Fraud detection and prevention
- Good technical and customer support
Pros:
- Facilitates quick and easy checkout
- Can easily make a purchase using voice i.e. Alexa skills
- Very fewer chances of cart abandonment
- Helps in increasing conversions
- There is no need to enter credit card information
- No hidden charges
Cons:
- Customers will compulsorily need an Amazon account for payments
To Conclude
Currently, the market is budding with a range of Payment Gateway providers that you can integrate with your website at a small service charge or fixed monthly charges, depending on the number of transactions your web portal anticipates.
The list mentioned above includes the top Payment Gateways (not ranking them in any specified order) which you could use as per your business needs.
Getting in touch with our web application development company San Jose will make your task easier and better, as we will advise you and help your eCommerce site incorporate the best payment gateway that suits your needs.