Top 5 Payment Gateways for U.S. Businesses in 2025
Here are five of the best payment gateways in the U.S. based on reliability, ease of use, fees, and features:
Features: One of the most popular and widely used gateways globally. It offers quick and easy setup, supports multiple currencies, and integrates well with e-commerce platforms.
Fees: Transaction fees typically range from 2.9% + $0.30 per transaction for domestic sales.
Pros: Widely trusted by customers, easy integration with websites and apps, and buyer protection.
Features: Highly popular for businesses looking to accept online payments. Stripe supports a wide range of payment methods, including credit cards, ACH transfers, and Apple Pay. It also provides extensive API support for customization.
Fees: Standard fee of 2.9% + $0.30 per transaction, with additional fees for international cards.
Pros: Flexible, developer-friendly, supports subscription-based services, and robust analytics.
Features: Square is known for its easy-to-use system, making it perfect for both online and in-person payments. It’s great for small businesses and offers point-of-sale (POS) systems in addition to online payments.
Fees: 2.6% + $0.10 for card-present transactions, 2.9% + $0.30 for online transactions.
Pros: No monthly fee, simple fee structure, POS system, and mobile app for easy payments.
Features: A reliable payment gateway that supports various payment methods, including credit cards, e-checks, and PayPal. It provides recurring billing features and a secure environment for transactions.
Fees: Monthly fee of around $25, plus 2.9% + $0.30 per transaction.
Pros: Trusted by businesses for years, offers fraud protection, recurring billing, and invoicing.
Features: A PayPal-owned company, Braintree offers a robust, flexible payment solution for both online and mobile payments. It supports multiple payment methods, including credit cards, digital wallets, and PayPal.
Fees: 2.9% + $0.30 per transaction (for domestic transactions).
Pros: Easy integration with mobile apps, great for international transactions, and supports advanced features like fraud protection.
Each of these gateways is excellent in different ways, so your choice will depend on your business needs, whether you’re looking for simplicity, customization, or a specific feature set.
