Best 10 Shopify Payment Gateway in USA 2025

Did you know that nearly 70% of online shoppers abandon their carts, and about 18% leave because the checkout process is too long or complicated? Payment gateways are the heart of every e-commerce store. Because users might add things to the cart, but a smooth checkout can make the difference between a sale and a lost customer. Apart from this, 10% users leave the cart because of a lack of enough payment options.18% leave due to the long and complicated checkout process. This shows how so many factors play a crucial role in maintaining a smooth checkout. The gateway you select doesn’t just process payments; it affects trust, speed, security, and customer experience.

In this blog, we have researched and listed the 10 best Shopify payment gateways in the USA so you can pick the one that keeps your checkout smooth and your business growing.

First, let's get into basic definition, features, and more.

What Is a Payment Gateway?

A payment gateway is a universal online payment tool that allows any online business or eCommerce platform, such as Shopify, WooCommerce, Magento, Wix, BigCommerce, custom websites, and even apps to accept payments from their customers. 

When a customer pays with a card, PayPal, Apple Pay, or any other mode, the gateway securely takes their details, talks to the bank, and confirms if the payment is approved. It makes sure money moves safely from the customer to your store. Hence, this enhances buyers' trust and fast payments.

Features to Look for in a Shopify Payment Gateway

The features you choose for Shopify payment gateway USA can make a big difference in how easily customers pay, how secure their data is, and how much profit you will be earning.

1. Convenience

Over 34% users leave the cart if they are forced to create an account. This shows that if your payment gateway is not convenient, users will simply leave. A good payment gateway should make checkout easy for both you and your customers. It should support multiple payment options like credit cards, PayPal, or digital wallets, so customers can pay however is convenient for them.

2. Security

In 2025, about 68% of security breaches happen because of people. Mostly through phishing scams or stolen passwords. Security is the most undeniable factor in online payments. Customers need to feel safe while using their card details on your Shopify store. 

Hence, you must make sure your payment gateway has encryption, fraud detection, and PCI compliance to protect sensitive information. 

Plus, look for features like two-factor authentication and tokenization to add extra layers of safety. 

3. Credit Card Payments

Credit and debit card usage online has increased significantly. Do you know that 45% of transactions in the US are made through credit cards? Hence, your payment gateway must support a credit card payment option. It should work with major providers like Visa, Mastercard, and American Express. 

4. Customer Support

You never know, technical issues can happen anytime, even if you have a smooth checkout. That might not be your fault, but still, as a responsible Shopify store owner, you must have 24/7 customer support through chat, call, and email in case your buyer faces any payment issues. 

Buyers are already panicked after deducting payment, so it's important to fix the transaction issues even during busy hours.

5. Accessibility

Your payment gateway should make payments accessible for all customers, no matter where they shop from or what device they use. It should support multi-device compatibility (desktop, mobile, tablet) and different payment methods like digital wallets or even buy-now-pay-later options. If your store serves international customers, make sure it supports global currency.

6. Transaction Fees

Transaction fees are a small percentage per sale that every payment gateway needs to pay. It’s important to compare fees across different gateways and check for hidden costs like setup or withdrawal charges. 

Factors to Consider When Choosing an Best Online Payment Gateway Provider

If you run a Shopify store, consider below factors for choosing the best online payment gateway for your business.

1. Payment processing fees

Usually, most merchants pay between 1.5% and 3.5% for credit card processing in online sales, depending on card type, transaction method, and processor. These are the fees for handling the transactions securely. And it can increase as your order grows over time. Hence, study the pricing structure carefully and think of the long-term while choosing a payment gateway.

2. Payment methods

Customers usually prefer to pay through credit cards, debit cards, digital wallets, or pay-on-delivery options. If you want to develop trust, you need to be flexible and offer the convenient payment options that buyers wish. More payment options will have a higher chance of completing sales. 

3. Security

When it comes to online shopping, security is everything. Prefer payment gateways like Shopify Payments, Stripe, PayPal, Authorize.Net, and Adyen that use strong encryption, fraud detection, and PCI compliance to keep transactions safe.

4. Integrations

Check if the payment gateway is easy to integrate with other tools in your Shopify store, like accounting software, CRM, mobile wallet, subscription, fraud prevention tools, and more. This will help your business run smoothly and prevent technical issues when accepting payments. 

5. Reliability and customer experience

Customer satisfaction totally depends on the payment experience. Look for providers with strong uptime records and responsive support. 

Top 10 Payment Gateways For Shopify in USA {2025} 

1. Shopify Payments

Shopify Payments is Shopify’s built-in payment gateway, which allows payment for e-commerce merchants and in-person via a single platform. It has a one-click shop pay that provides 50% conversion rates because it remembers customer information and helps in quick checkout. It can accept payment from almost all channels, like Facebook, YouTube, Instagram, and Google.

Pricing: its starter plan starts from $5, basic plan is $39 per month, grow plan starts from $105 per month. Payment processing will be reduced depending on the plan you choose.

Key features:

• Lower transaction fees as compared to others
• PCI DSS compliant for stronger security.
• Lots of customization and 24/7 support

2. Stripe

Stripe is the famous gateway best suited for international and high-volume online stores. It is user-friendly, flexible, and has strong APIs with lots of developer-friendly tools. You can accept online payments through credit cards, debit cards, digital wallets, and even recurring subscriptions.

Pricing: In the U.S., Stripe charges 2.9% + 30¢ per successful online transaction, with no setup or monthly fees.

Key Features:

• Supports 135+ currencies and international payments.
• Advanced fraud detection and security tools.
• Powerful APIs for custom integrations and subscription billing.

3. Square

Square Payments is a popular payment gateway and point-of-sale solution designed for both online and in-person businesses. It allows online merchants to accept payments through credit cards, debit cards, mobile wallets, and even Buy Now, Pay Later options like Afterpay. It is unique because it combines payment processing with extra business tools like invoicing, payroll, and inventory management.

Pricing: In the U.S., Square charges 2.9% + 30¢ per online transaction and 2.6% + 10¢ per in-person swipe/tap/dip.

Key Features:

• Easy POS hardware and software integration.
• Built-in tools for invoicing and inventory.
• No monthly or hidden fees, pay-per-transaction model.

4. Amazon Pay

Amazon Pay is a payment service by which Amazon users can easily pay in checkout using information already saved in their Amazon account. You just enter the card details once and avoid the hassle of entering them again and again. It can be easily used in Shopify as a third-party payment option. As a Store owner, you just need to connect your Amazon Seller account from the Shopify Payments settings and complete verification with Amazon. Once enabled, log in with their Amazon account and pay using saved cards and addresses. 

Pricing: 

• Transaction Fee: 2.9% + $0.30 per transaction (for US-based sellers).
• International Transactions: 3.9% + $0.30 per transaction.

Key features: 

• Works on desktop and mobile.
• Supports credit/debit cards stored in Amazon accounts.
• Adds credibility to stores by using Amazon’s trusted brand.

5. Payflow Pro

Payflow Pro is a customizable payment gateway by PayPal that accepts credit cards, debit cards, and PayPal payments directly from its website. It works with almost all e-commerce platforms like Shopify and more. You can design their own checkout experience. Plus, it also accepts Visa, Mastercard, American Express, Discover, and PayPal Wallet.

Pricing:

• Monthly fee: $25
• Per-transaction fee: $0.10
• Additional charges may apply for advanced fraud protection or international payments

Key features: 

• You can create a custom checkout according to the brand.
• Built-in fraud protection, data encryption, and PCI compliance

6. Razorpay

Razorpay is a powerful and developer-friendly payment gateway developed in India. It is ideal for startups and large businesses and supports over 100 payment methods, including UPI, credit/debit cards, wallets, net banking, and international options like ACH and SWIFT. Your store can accept websites, mobile apps, social media, or in-store with ease.

Pricing is transparent at 2% + GST per transaction, with no hidden fees.

Key features:

• Quick setup, supports links, embedded buttons, and branded checkout pages.
• Save cards for faster repeat checkout and a personalized experience.
• PCI DSS Level 1 compliance with advanced fraud detection.

 7. Meta Pay

Meta Pay was previously known as Facebook Pay, is a digital payment system that allows users to make purchases and send money through Facebook, Instagram, and WhatsApp. It has anti-fraud monitoring and high-level encryption. Plus you can also add security by adding pin or a biometric lock.

If you have a business account, you can sell products, collect payments, or run ads too. 

Standard card processing fees apply (usually around 2.9% + $0.30 per transaction in the U.S.)

Key features:

• Single-time information entry.
• Cross-platform compatibility, works on mobile and desktop.
•  Pay directly through Facebook, Instagram, or WhatsApp

8. Google Pay

Google Pay is the leading payment gateway by Google, launched in 2018. It is widely used by all small and large businesses. It is mobile-friendly and can accept local as well as international payments. You can recharge, pay bills, earn rewards, and scratch cards by paying. It supports almost all major banks in India.

It does not charge any transaction fees for UPI transactions; business needs to pay suitable tax based on their sales.

Key features:

• Uses Google’s encryption, fraud detection, and tokenization technology.
• Works directly at your store’s checkout for faster purchases.
• Works across devices for easy payments.

9. WePay

WePay is a payment gateway designed for platforms, mostly for US businesses. It supports wide marketplaces, crowdfunding sites, and SaaS businesses. As a merchant, you can accept credit card payments directly through their website or app. Plus, it offers white-label solutions and customizes the shopping experience according to the brand. 

Talking about price, it does not have monthly or setup fees. It charges 2.9% + $0.30 per credit card transaction.

Key features:

• It supports same-day Deposits.
• Accept credit cards and ACH payments directly on your website or app.
• Quick setup for businesses and platforms with minimal paperwork.

10. FasterPay

FasterPay can accept a global payment gateway designed to help businesses accept payments from customers all over the world. It supports over 20 currencies, and you can also convert funds in multiple currencies. It has amazing features like real-time transaction tracking, smart budget management, multi-currency accounts and more.

Pricing depends on the location.  2.7% + $0.30 for US & Canada, 2.7% + €0.30 for Europe, nd varies according to region.

Key features:

• Easy integration with online stores and mobile apps.
• sell internationally or handle multiple currencies.
• Encryption, fraud detection, and PCI compliance

How to Pick the Best Payment Gateway?

Selecting the best payment gateway needs balancing cost, security, and convenience. 

• Start by understanding your customers’ payment habits and your store’s needs. 
• Check transaction fees, supported payment types, security measures, and Shopify compatibility. 
• Look for features like international payments, one-click checkout, and fraud protection that are essential. 

Shopify payment is the best payment gateway for Shopify as it has all the required functionality for a Shopify store, but if you are still considering any, the above list is the best one. Compare your buyer needs and choose the payment gateway accordingly.

Conclusion

Hope you find the above article useful to decide which payment gateway is best for you. Consider the above list and think beyond transaction fees. Focus on security, multiple payment options, smooth integration, and cost-effectiveness when deciding. A payment gateway must be easy to use and offer a convenient checkout to buyers. Take time to compare options and pick a gateway that aligns with your store’s goals and customer expectations.

If you are facing payment delays, high fees, or checkout confusion, CommerceBizz can help you. Connect with us today to learn how we can grow your online sales.