🇺🇸United States

Payment gateways for United States.

Cards dominate (85%+), Apple Pay + Google Pay rising fast. BNPL (Klarna, Afterpay, Affirm) is now standard at checkout for AOV $50+.

6 gateways available3 native to United States

Where are most of your buyers? *

🇺🇸 United States — what you need to know

Cards dominate (85%+), Apple Pay + Google Pay rising fast. BNPL (Klarna, Afterpay, Affirm) is now standard at checkout for AOV $50+.

Popular methods here: Credit / Debit Cards · Apple Pay · Google Pay · PayPal · Klarna (BNPL) · Afterpay / Clearpay (BNPL)

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Must support these methods (optional)

🇺🇸 6 gateways in United States

Native-in-country gateways first

Stripe

Native

HQ San Francisco, USA

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Developer-first, best API in the industry, most platform integrations anywhere

Domestic cards2.9% + $0.30 (US) · 1.5% + £0.20 (UK) · 1.4% + €0.25 (EU)

International cards3.9% + $0.30 (+ 1% FX fee)

Local methodsVaries — iDEAL €0.29, SEPA 0.8% capped, Pix 1%

Settlement: T+2 business days (T+7 in new accounts)

Supports

Credit / Debit CardsInternational cardsApple PayGoogle PayKlarna (BNPL)Afterpay / Clearpay (BNPL)SEPA Direct DebitiDEALSofort / Klarna Pay NowBancontactPixAlipayWeChat PayBoleto Bancário

Integrates with

Shopify WooCommerce BigCommerce Wix eCommerce Squarespace Magento (Adobe Commerce)Ecwid by Lightspeed SureCart (WordPress)FluentCart (WordPress)PrestaShop OpenCart

Good to know

Not available in India (only Atlas entity option). Excellent for global SaaS + DTC.

PayPal

Native

HQ San Jose, USA

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Global trust — older + cross-border buyers expect it

Domestic cards2.9% + $0.30 (US) · 1.2% + £0.30 (UK, domestic PayPal-to-PayPal)

International cards4.4% + fixed (cross-border)

Local methodsPayPal wallet-to-wallet: 2.9% + $0.30

Settlement: Instant to 3 business days

Supports

Credit / Debit CardsInternational cardsPayPalKlarna (BNPL)Afterpay / Clearpay (BNPL)

Integrates with

Shopify WooCommerce BigCommerce Wix eCommerce Squarespace Magento (Adobe Commerce)Ecwid by Lightspeed SureCart (WordPress)FluentCart (WordPress)PrestaShop OpenCart Weebly by Square

Good to know

Account freezes are a real risk — don't use as your sole gateway.

Square Payments

Native

HQ San Francisco, USA

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Retailers with online + offline POS. Weebly/Square Online is the natural pair.

Domestic cards2.9% + $0.30 (online) · 2.6% + $0.10 (in-person POS)

Settlement: Next business day (free) or instant (1.75% fee)

Supports

Credit / Debit CardsApple PayGoogle Pay

Integrates with

WooCommerce Wix eCommerce Squarespace Weebly by Square Ecwid by Lightspeed

Adyen

HQ Amsterdam, Netherlands

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Enterprise + global merchants needing interchange-plus pricing at scale

Domestic cardsInterchange++ model: ~0.6% + €0.10 (EU) · ~2.9% (US) — negotiable at volume

Local methodsiDEAL €0.10 · SEPA €0.13 · Alipay 1.2%

ExtraMonthly platform fee $0-500 depending on volume

Settlement: Daily to T+2

Supports

Credit / Debit CardsInternational cardsApple PayGoogle PayKlarna (BNPL)Afterpay / Clearpay (BNPL)SEPA Direct DebitiDEALSofort / Klarna Pay NowBancontactAlipayWeChat PayPixBoleto BancárioOXXO

Integrates with

Shopify BigCommerce Magento (Adobe Commerce)PrestaShop

Good to know

Not for small merchants — pricing benefits kick in above ~$100k/mo GMV.

Braintree

HQ Chicago, USA (PayPal-owned)

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PayPal ecosystem with card processing bundled

Domestic cards2.59% + $0.49 (US) · 1.9% + £0.20 (UK)

International cards+1% cross-border surcharge

Settlement: T+2 business days

Supports

Credit / Debit CardsInternational cardsPayPalApple PayGoogle PayKlarna (BNPL)SEPA Direct Debit

Integrates with

Shopify WooCommerce BigCommerce Wix eCommerce Magento (Adobe Commerce)Ecwid by Lightspeed

Good to know

Owned by PayPal since 2013. Often paired with PayPal wallet.

2Checkout (Verifone)

HQ Atlanta, USA

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Merchant-of-record (MoR) service — handles global tax + compliance for digital goods

Domestic cards3.5% + $0.35 · 3.9% + $0.35 for SaaS/subs

International cards3.9% + $0.35

Settlement: Weekly

Supports

Credit / Debit CardsInternational cardsPayPalLocal wallets

Integrates with

Shopify WooCommerce BigCommerce Magento (Adobe Commerce)PrestaShop OpenCart

Good to know

MoR model is unusual — 2C collects + remits VAT/GST in ~200 countries on your behalf.

Negotiate better rates — at volume, list prices are opening offers.

Above $50k/month in processing volume, every gateway negotiates. Book a call and I'll walk through which gateways to approach, what to ask for, and the ranges to target based on 500+ merchant negotiations.

Book a call · $29

How this data is sourced + kept fresh

Rates, payment method availability, and country coverage are compiled from published rate cards as of 2026, cross-checked against what our clients actually pay. We refresh quarterly.

Rates are typical published figures. Your actual rate depends on volume, business category, and negotiation. Above $50k/month in GMV, expect 20-40% below list prices.

Not affiliate. We don't earn commission for gateway signups. Rankings are based on country-fit + payment method coverage, not sponsorship.

Questions about United States

People ask us these a lot.

What's the best payment gateway for United States ecommerce?+

For United States, the native gateways are typically your best starting point: Stripe, PayPal, Square Payments. They have the strongest integrations with local payment methods (Credit / Debit Cards, Apple Pay, Google Pay) and fastest onboarding for local merchants. Cross-border merchants often layer a global gateway like Stripe on top for international card acceptance.

Which payment methods do United States buyers expect at checkout?+

Cards dominate (85%+), Apple Pay + Google Pay rising fast. BNPL (Klarna, Afterpay, Affirm) is now standard at checkout for AOV $50+.

How many gateways support United States?+

We track 6 major payment gateways available in United States: Stripe, PayPal, Adyen, Braintree, Square Payments, 2Checkout (Verifone). Use the tool above to filter by your platform (Shopify, WooCommerce, etc.) or by specific payment methods you must support.

Do international cards work in United States?+

Most gateways available in United States support international cards, but at higher rates — typically 1-1.5% above domestic. For cross-border revenue above 30% of your mix, pick a gateway with good international card handling (Stripe, Adyen, PayPal are strongest).

Navigating United States payments feels complex — because it is.

Book a 30-minute call and I'll walk through the gateway picks, platform integration, and negotiation approach specific to your United States business.

Book a call · $29