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E-commerce 04 Apr 2022

Top 5 Payment Gateways for eCommerce Stores

A secure payment gateway is a vital component of an online or brick-and-mortar store. If you want to invite more leads and retain existing customers, you must offer a safe channel for making digital payments through a credit card or a digital wallet.

Fortunately, technological advancements have streamlined processes for digital businesses. With new tools and eCommerce trends entering the market, your business can now leverage progressive payment systems to extend a convenient buying experience for your customers.

Choosing suitable payment gateways in the USA can do wonders for your brand. You can attract a larger demographic of customers by offering multiple payments mediums while also creating opportunities to facilitate business growth.

If you’re curious about some of the best payment gateways in the USA for an eCommerce store, this guide is all you need to select the right platform for your brand.

5 Best Payment Gateways In the USA


If you are running a small to medium-sized business, Stax can cater to all your needs. The platform is designed to accept multiple types of payments, and it can be integrated with various terminals and point-of-sale (POS) systems.

 One of the most attractive features of Stax is its subscription-based pricing approach. The platform charges a flat monthly fee, which means you can save an amount for every transaction. There are no long-term contracts, making it ideal for businesses with a pre-determined budget. Additionally, the pricing policy is quite transparent, and you are not liable to make higher payments if you have more significant sales.  

Additionally, you can easily integrate the platform with your eCommerce store. You do not have to rely on advanced coding skills, as you can incorporate the payment gateway with the shopping cart plugin. You can also use Stax’s own templates, which can be customized to your liking.

Another popular feature of this platform is its compatibility with different payment gateways, including the likes of BigCommerce, Magento, WooCommerce, and Salesforce, among others.


If you want to safeguard your business from fraud, PaySafe is an ideal system. The platform equips you with an automated, machine-learning algorithm that comprehensively scans all transactions to identify signs of fraud.

If the algorithm detects fraud, it sends out a notification and blocks the suspected transaction. However, you do have the option to unblock the transaction in the unfortunate case that the algorithm makes a mistake.

You can also leverage PayCafe’s multiple tools to provide adequate management for credit card disputes. The platform extends an initial warning dispute alert system and a meticulous record-keeping system to store transaction data, which you can use to resolve all credit card conflicts.

The platform also provides you with the advantage of carrying out automated billings for your customers daily, weekly, monthly, or annual transactions. Paysafe also enables you to cater to international customers, as the platform accepts payments from renowned credit cards in more than 135 countries.

Moreover, with Paysafe, you can accept payments from multiple payment getaways providers in the USA, including PayPal, direct deposits, and cryptocurrencies.


Another prominent service provider in the USA payment gateway list is Stripe. Stripe combines the resources in technology and development to provide tailored payment solutions at market-competitive rates.

However, Stripe offers a developer-focused custom payment solution. Therefore, you would be required to hire a web development company in the USA to integrate the platform to secure payments on your eCommerce platform.

With Stripe, you can adopt a platform of your preference or leverage Stripe’s native integrations with numerous eCommerce platforms, such as WooCommerce, Shopify, Wix, Squarespace, and Big Commerce.

Parallel to Paysafe, Stripe also accepts over 135 different currencies and types of payments. Your customers can also benefit from mobile payment options, subscription billion, and one-click checkout. The platform also comes with a user dashboard that extends a tracking and reporting system. One of the most valuable components of Stripe is that it provides users with a virtual POS, enabling them to combine online and offline payment channels.


Square is another platform that provides an online payment solution. Square is one of the pioneer services offering online payment solutions on smart devices. The platform is ideal for businesses that have a hybrid operational model of providing digital and physical services. With Square, you accept in-person and online payments without any setup and startup costs. The platform also offers a free mobile card reader, adding more to your convenience.

Additionally, Square enables you to accept payments from all types of major credit cards. You can also provide your customers with the convenience of offering multiple payment options, including the likes of Apple Pay and Google Pay.

Unfortunately, Square does not accept payments from PayPal, as it is one of its leading competitors. Although, you can use the platform to process ACH or electronic check payments to permit your customers to make payments through a website, invoice, or even by making a call.

Square has also earned a reputation for offering convenience in setting up. You can easily download the software, without any cost, on any smart device on the iOS and Android platforms. The payment system can be set up by using a plugin or mobile credit card reader presented by Square. Additionally, your business can also accept payments from credit cards using smartphones and tablet devices. 


PayPal is one of the most renowned payment gateways in the USA, and the service is ideal for startups, SMBs, and large enterprises alike. In fact, research shows that the platform has acquired over 377 million users in 2020 alone.

Considering the numbers, PayPal is the go-to choice for all types of customers, making it a value-adding platform for your business.

 One of the greatest benefits of adding PayPal to your eCommerce store is that the platform is easy to set up. Your staff and your customers will be well-versed in its usage, thereby making it a convenient option.

As a result of its convenience, PayPal also augments your customer’s trust. Since the platform is well-known, your customers will be more likely to place an order by sending out payments through PayPal.

Additionally, most customers prefer to make payments with PayPal due to its accumulated balance feature. Customers can easily use their account credits to purchase a product from an online store, making it a convenient option.

Essentially, the platform is known to increase conversion rates. According to research, websites that offer PayPal checkout options are known to have an 82% higher rate of conversion than their counterparts.

The platform is also known for its versatility. If you add PayPal as a checkout option for your eCommerce platform, you can easily accept payments from credit cards, debit cards, PayPal, Venmo, and PayPal Credit. 


2Checkout is another accommodating payment system. The platform caters to over 20,000 clients across the globe. It is primarily known for its international payment services, as the platform provides localized buying experiences to customers residing in over 200 countries. You can easily tap into the international market by integrating this platform. 2Checkout also supports approximately 100 currencies and thirty languages, thus making it an ideal option for international customers.

You can host your own checkout page, schedule recurring payments, and generate payment history reports with its payment getaway. 2Checkout’s services are also compatible with several eCommerce platforms, shopping carts, and invoicing systems.

 The Bottom Line

Securing a payment method is one of the most critical aspects of running an eCommerce store. A convenient payment gateway system can increase your conversion rate and help your customers build trust. You can review all the preceding payment gateways in the USA and select the right platform for your business.