US retail e-commerce sales reached roughly $1.17 trillion in 2024 (16.1 percent of total retail) per the US Census Bureau, with Q4 2024 alone hitting $352.9 billion. Credit and debit cards still account for about 54 percent of e-commerce transactions, while BNPL is projected to grow at an 18.3 percent compound annual rate through 2030 according to Mordor Intelligence.
American consumers expect a fast, familiar checkout, and conversion rates tie tightly to friction. The leading US payment gateways now compete on developer experience, fraud tools, settlement speed, and ACH coverage alongside cards. This guide reviews six options for 2026, including five mainstream US gateways and Upay as the crypto-native alternative.
关键精华
- US retail e-commerce reached about $1.17 trillion in 2024, accounting for 16.1 percent of total retail per the US Census Bureau.
- Credit and debit cards made up roughly 54 percent of 2024 e-commerce transactions; ACH, BNPL, and digital wallets cover the rest.
- Stripe leads for technology businesses and developers; Square dominates small physical retail; PayPal still adds the largest consumer-trust uplift.
- Braintree (a PayPal company) is the default choice for marketplaces and mobile apps; Authorize.net retains a strong base of traditional and B2B merchants.
- BNPL is projected to grow at an 18.3 percent CAGR through 2030, becoming a near-mandatory checkout option for higher-ticket items.
- Mainstream US gateways do not accept crypto as a payment method. Upay supports BTC, ETH, USDT, and USDC at 55 million-plus Visa merchants globally.
The Top Payment Gateways in the United States for 2026
The US gateway market is one of the most competitive in the world. The options below cover online-first technology businesses, physical retail, marketplaces, traditional B2B, and crypto-native use cases.
| 网关 | 最适合 | 交易费 | 加密支持 | 评分 |
|---|---|---|---|---|
| Stripe | Tech startups and global scale | 2.9％+ $ 0.30 | 没有 | 4.9/5 |
| 贝宝 | Consumer trust and marketplaces | 3.49% + $0.49 standard | 有限 | 4.6/5 |
| 广场 | Physical retail and SMEs | 2.6% + $0.10 in-person | 没有 | 4.7/5 |
| Braintree | Marketplaces and mobile apps | 2.59％+ $ 0.49 | 没有 | 4.5/5 |
| Authorize.net | Traditional merchants and B2B | $25/month + 2.9% + $0.30 | 没有 | 4.3/5 |
| 支付宝 | 全球加密货币支付 | 网络费用低 | 是的（BTC、ETH、USDT、USDC） | 4.8/5 |
Stripe
来源: Stripe
Stripe is the gold standard for US tech companies and startups that want a payment infrastructure they can build on. Its API is widely considered the best documented in the industry, and its product suite covers one-time payments, subscriptions, invoicing, marketplace payments (Stripe Connect), and financial services through Stripe Treasury and Stripe Issuing.
Stripe supports more than 40 payment methods, including ACH debit, wire transfers, Apple Pay, Google Pay, and major BNPL providers. Its Radar fraud engine uses network-wide machine learning to reduce fraudulent transactions without manual rules. Stripe processes hundreds of billions of dollars annually and is trusted by businesses ranging from pre-launch startups to Fortune 500 companies.
- 设立费： 自由
- 月租费： 无（按交易付费）
- 支持的货币： USD plus 135 other currencies
- 关键特点： Best-in-class API, Stripe Connect for marketplaces, and Radar fraud detection
贝宝
来源: 贝宝
PayPal is the most recognized digital payment brand in the US and holds significant consumer trust, especially for transactions where buyers want purchase protection. For merchants, PayPal offers two distinct products: the standard PayPal Checkout button integration and Braintree, its developer-focused gateway.
Standard PayPal fees are higher than Stripe for most transaction types, but the conversion lift from offering PayPal as a checkout option often justifies the cost, particularly for businesses with older demographic customers. PayPal Venmo checkout is available for merchants targeting younger US consumers, and PayPal also offers a credit product (Pay Later / Pay in 4) and a debit card that functions as a business spending tool.
- 设立费： 自由
- 月租费： None for standard
- 支持的货币： USD plus 25 currencies
- 关键特点： Consumer trust, Venmo integration, and Pay Later / Pay in 4 BNPL
广场
来源: Square Homepage
Square built its business on hardware: the original Square card reader that plugged into a smartphone headphone jack. It has since grown into a full commerce platform covering POS software, payroll, inventory management, employee scheduling, and online checkout.
For US small businesses in food service, retail, and personal services, Square’s integrated stack is hard to match. The flat-rate pricing of 2.6 percent plus $0.10 for card-present and 2.9 percent plus $0.30 for online is easy to budget around. Square’s free POS app works on iOS and Android, and the Square Financial Services business bank account enables next-business-day settlement. Square does not offer volume discounts, so very high-volume merchants will find unit-cost savings with a negotiated gateway such as Stripe or Braintree.
- 设立费： Free (free card reader included)
- 月租费： None for the standard plan
- 支持的货币： 美元
- 关键特点： Free POS hardware, an integrated SME stack, and instant settlement options
Braintree
Braintree, acquired by PayPal in 2013, is PayPal’s developer-facing gateway. It is used by Uber, Airbnb, and many other major US technology companies for its flexible API, vaulted card storage, and strong mobile SDK. Braintree supports credit and debit cards, PayPal, Venmo, Apple Pay, Google Pay, and ACH direct debit.
Its advanced fraud tooling (Braintree Kount) provides machine-learning-based risk scoring. For marketplaces and apps that need to split payments between multiple parties, Braintree’s marketplace flow is well-designed. Pricing is competitive at 2.59 percent plus $0.49 per transaction, and the first $50,000 in transactions are fee-free for new merchants, which gives founders a real incentive to test the platform.
- 设立费： 自由
- 月租费： 没有
- 支持的货币： USD plus major international currencies
- 关键特点： Strong mobile SDK, marketplace split payments, and Kount fraud tools
Authorize.net
来源: Authorize.net
Authorize.net is one of the oldest US payment gateways, founded in 1996 and acquired by Visa in 2010. It has a large installed base of traditional US merchants, particularly in healthcare, legal services, and B2B supply chains, where long-standing banking relationships matter.
The gateway supports credit cards, ACH and eCheck, and Apple Pay. Its virtual terminal is practical for phone orders and mail-order businesses. The $25 monthly subscription includes a bundled transaction limit, which suits businesses with predictable volume. Authorize.net integrates with hundreds of US shopping carts and CRM systems. While less developer-friendly than Stripe or Braintree, its reliability and breadth of integrations keep it relevant for traditional businesses.
- 设立费： 自由
- 月租费： $25/month gateway fee
- 支持的货币： USD, CAD, GBP, EUR, AUD
- 关键特点： Long-established gateway with ACH/eCheck and wide integration coverage
支付宝
来源: 支付宝
Upay is a crypto card and wallet platform that lets US users hold BTC, ETH, USDT, USDC, and other major cryptocurrencies and spend them at any of the 55 million-plus Visa-accepting merchants in the US and worldwide. Mainstream US payment gateways do not accept Bitcoin or stablecoins as a payment method, and businesses cannot easily integrate crypto acceptance without specialist infrastructure.
Upay removes that friction. There is no need to sell crypto first, wait for ACH settlement, or manage a separate conversion step. For American freelancers paid in crypto, DeFi participants, crypto traders, or businesses that invoice clients in stablecoins, Upay provides a practical card and wallet. It integrates with Apple Pay and Google Pay and supports ATM withdrawals. Available on iOS and Android at upay.best.
- 设立费： 自由
- 月租费： 没有
- 支持的货币： BTC、ETH、USDT、USDC 以及其他主要加密货币
- 关键特点： Spend crypto at 55 million-plus Visa merchants without converting to USD
How to Choose the Right Payment Gateway for Your Business in the United States
US businesses should start by deciding whether they need in-person, online, or both types of payment acceptance. Square is the practical all-in-one for physical retail with online needs. Stripe is the right foundation for digital products, subscriptions, and marketplaces. PayPal works well as a secondary checkout option alongside a primary gateway because of its consumer-trust uplift.
For B2B businesses with ACH-heavy transaction flows, Stripe or Authorize.net handle ACH debit at significantly lower cost than card processing. Check each gateway’s chargeback fee structure and dispute management process, since chargebacks are more common in the US than in most other markets and can erode margins quickly on disputed transactions. PCI DSS compliance is mandatory regardless of which gateway you choose.
Why Upay is a Strong Choice in the United States for 2026
The US crypto market is the world’s largest, and a growing share of American consumers and businesses now hold crypto assets. Mainstream US payment gateways, though, do not accept Bitcoin or stablecoins as a payment method, and businesses cannot easily integrate crypto acceptance without specialist infrastructure or third-party processors.
Upay takes a different approach. As a crypto card and wallet platform, it lets US users hold BTC, ETH, USDT, USDC, and other cryptocurrencies and spend them directly at any of the 55 million-plus Visa-accepting merchants in the US and globally. There is no need to sell crypto first, wait for ACH settlement, or run a separate conversion step. For American freelancers paid in crypto, DeFi participants, crypto traders, or businesses invoicing clients in stablecoins, Upay provides a practical card and wallet. It integrates with Apple Pay and Google Pay and supports ATM withdrawals. Available on iOS and Android at upay.best.
结语
The US payment gateway market has strong options for every business type. Stripe leads on technology and global reach. Square wins for small physical retail. PayPal and Braintree handle marketplace and consumer-trust scenarios. Authorize.net serves traditional and B2B businesses reliably. For crypto payments, Upay closes the gap that mainstream gateways leave open. Pick the gateway that fits your primary use case, then add complementary options. Get started at upay.best.
常见问题解答 (FAQs)
What is the best payment gateway for small businesses in the US?
Square is the top choice for small businesses with physical locations. Stripe is the better fit for online-first businesses. Both offer free setup and no monthly fees for standard plans.
Does Stripe or PayPal have lower fees in the US?
Stripe charges 2.9 percent plus $0.30 per transaction. Standard PayPal fees are typically higher at 3.49 percent plus $0.49, but PayPal’s conversion lift can offset the higher cost for certain businesses. Braintree, also a PayPal company, charges 2.59 percent plus $0.49.
Do US payment gateways support ACH bank transfers?
Yes. Stripe, Braintree, and Authorize.net all support ACH direct debit at lower fees than card transactions (typically 0.8 percent capped at $5). ACH is ideal for B2B or recurring payments where customers are willing to authorise direct bank debits.
Can US businesses accept Bitcoin or crypto payments?
Mainstream US gateways do not directly support crypto. Upay enables US businesses and individuals to hold BTC, ETH, USDT, and USDC and spend via Visa at millions of merchants worldwide.
What is PCI DSS and is it required for US merchants?
PCI DSS (Payment Card Industry Data Security Standard) is a set of security requirements for businesses that handle card data. All US merchants that accept cards are required to be PCI DSS compliant. Most gateways handle the technical compliance burden on the merchant’s behalf, provided the merchant uses the gateway’s hosted checkout.
Can I use Upay alongside a US payment gateway?
Yes. Most US businesses run a gateway such as Stripe or Square for USD card and ACH payments and add Upay for crypto income, international spending, or personal use. The two run in parallel without conflict.
