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Best Payment gateway for Shopify stores in USA

Non-sponsored, Expert Verified and Transparently Ranked Payment gateway for Shopify stores in USA

Published: December 27, 2025 | Verified by: Ted Scheiman & Rob Watts

Executive Summary

We analyzed 5 solutions. Top Recommendation: Shopify Payments by Shopify scored highest due to Native to Shopify with no third‑party transaction fees on Shopify Payments methods and end‑to‑end management directly in the admin..

Content Verification

15
Total Sources
December 27, 2025
Last Verified
100%
Evidence Coverage

Side-by-Side Comparison

Feature#1 Shopify Payments (Shopify)#2 PayPal Digital Wallet (PayPal)#3 Payments (Adyen)#4 Authorize.net Payments Platform (Authorize.Net (Visa))#5 Payment Acceptance (Cybersource (Visa))
Best ForNative to Shopify with no third‑party transaction fees on Shopify Payments methods and end‑to‑end management directly in the admin.Seamless PayPal and Venmo acceptance managed entirely in Shopify with unified reporting and no additional PayPal transaction fees beyond your Shopify Payments pricing.Single platform for global acquiring and risk with an approved Shopify integration tailored for enterprise scale.Mature, Visa‑backed gateway with broad processor compatibility and a dedicated Shopify payment app, suitable for merchants standardizing on Authorize.Net.Visa‑grade payments with built‑in 3‑D Secure and wallet support integrated into Shopify’s checkout.
Transaction FeesUS processing fees (Shopify Payments): Online, Basic 2.9% + $0.30; Grow 2.7% + $0.30; Advanced 2.5% + $0.30. In person, Basic 2.6% + $0.10; Grow 2.5% + $0.10; Advanced 2.4% + $0.10. No extra Shopify transaction fees; third‑party gateways: 2%/1%/0.6% by plan. (shopify.com)U.S. merchant rates: PayPal/Venmo online 3.49% + $0.49; cards via PayPal 2.99% + $0.49; PayPal Pay Later 4.99% + $0.49; add 1.5% for international. When Shopify Payments is active, Shopify waives third‑party transaction fees on PayPal orders. Domestic personal payments: $0 from bank/balance; 2.9% + fixed fee by card. (paypal.com)Fixed $0.13 processing fee per transaction, plus a payment method fee. For Visa/Mastercard, Interchange++ applies, interchange and scheme fees are passed through, plus Adyen’s acquirer markup (starting at 0.60%). Fees vary by method and region. (adyen.com)All-in-one: 2.9% + $0.30 per card transaction. Gateway-only: $0.10 per transaction + $0.10 daily batch fee. eCheck (ACH): 0.75% per transaction. (authorize.net)Not publicly listed. Cybersource provides custom, quote‑based transaction pricing via sales; contact them for rates. (cybersource.com) When used as a third‑party gateway in Shopify, Shopify also charges additional third‑party transaction fees by plan, on top of Cybersource’s processing fees. (help.shopify.com)
Security FeaturesLevel 1 PCI DSS platform with TLS 1.2+, required two-step authentication for Shopify Payments; dynamic 3D Secure; built-in fraud analysis; card-testing protection; proxy detection; automated dispute management; and Shop Pay’s Shopify Protect coverage on eligible U.S. orders. (shopify.com)Security features: passkey login and 2-step verification; 24/7 fraud monitoring with early fraud alerts; data encryption, TLS secure connections and key pinning; email payment confirmations; Purchase Protection for eligible items; and no liability for eligible unauthorized transactions. (paypal.com)PCI DSS v4.0 Level 1, certified, plus PCI PIN, PCI P2PE and PCI 3DS; SOC 2 Type II and ISO 27001. Client-side and end-to-end encryption, PCI P2PE/E2EE for terminals. Tokenization incl. network tokens. 3D Secure 2 authentication with Adyen’s Authentication Engine. Protect risk engine with machine‑learning fraud detection and Dynamic 3DS. (help.adyen.com)PCI DSS, validated service; hosted payment forms (Accept Hosted) enable SAQ A compliance; Accept.js tokenizes card data into a one‑time nonce, reducing PCI scope. (support.authorize.net) Advanced Fraud Detection Suite delivers 13 configurable filters (velocity, IP, AVS/CVV, regional/shipping checks); HMAC‑SHA512 signature keys authenticate webhooks/transaction hashes; TLS 1.2+ supported. (authorize.net)Security: 3‑D Secure (Visa Secure, Mastercard Identity Check, Amex SafeKey, JCB J/Secure); hosted checkout/microform keeps card data off your servers to reduce PCI DSS scope; tokenization via Token Management Service; Level 1 PCI provider with data vaulted in Visa data centers. (developer.cybersource.com)
Integration ComplexityVery low: Enable in Shopify admin; no custom code or external gateway setup. (help.shopify.com) Complete verification, enable two-step auth, and link a bank account. (help.shopify.com) You can switch from third-party providers without checkout interruption; Shop Pay is a checkbox. (help.shopify.com)Low. For U.S. stores on Shopify Payments, PayPal Wallet is auto-provisioned; activation/management happen entirely in Shopify admin, and PayPal payouts are bundled into Shopify Payments. Requires the newest Shopify Checkout. No separate PayPal setup or custom code, though ERP/reporting queries may need updates to pull PayPal transaction/payout data. (help.shopify.com)Shopify: install Adyen Payments app; requires Checkout Extensibility, Shopify approval, and an Adyen account; authorize and activate, then test/live. (docs.adyen.com) Prebuilt plugins (Adobe, Salesforce, Microsoft, etc.) lower effort. (docs.adyen.com) In-person: integrate via Terminal API (local or cloud) and board terminals. (docs.adyen.com)Low complexity for Shopify, install the Authorize.net payment app, click Connect, and enter your API Login ID and Transaction Key; no coding, tokens handled by Shopify’s vault. For custom sites, effort ranges from low (Accept Hosted) to moderate (Accept.js/SDKs). (help.shopify.com) (developer.authorize.net)App-based Shopify integration: install the Cybersource app, connect Business Center, enable 3‑D Secure and Apple Pay/Google Pay in Shopify; separate test/production apps. (developer.cybersource.com) Built and maintained by Cybersource. (developer.cybersource.com) Broader gateway provides global reach via a single connection. (cybersource.com)
5 Companies Listed
Last Updated: December 27, 2025
shopify.com

ShopifyCompany Information

Industry: E-commerce
API: Yes

API Resources

Description

Shopify is an e-commerce platform that allows individuals and businesses to create their own online stores. It provides various tools to set up, manage, and promote their retail business across different channels.

What They Do

Shopify enables users to create and manage e-commerce stores, selling products online and in person.

Who They Serve

Shopify serves everyone from solo entrepreneurs to large enterprises.

Key Value Propositions

Fast setup to start selling quickly
Multi-channel selling capabilities
Customizable themes and templates
Strong integration with payment processors
Robust analytics and reporting tools

Case Studies

Summer Solace Tallow Megan Bre Camp

Started selling organic candles and skincare online and at local farmers markets.

Read Case Study →

What Customers Say

"Shopify Capital has given us the funding we need to stock up on inventory and grow rapidly."

Jessica Wise, CEO, Hell Babes

Target Customers

Entrepreneurs
Small Businesses
Enterprise Brands
Retailers

Industries Served

E-commerce
Retail
Technology

Trusted By

Glossier
The Sill
Vacation Inc

Summary

Built-in payment gateway for Shopify that lets U.S. merchants accept major cards, accelerated checkouts, and select local methods while managing everything in the Shopify admin. It provides unified payouts, fraud controls, and tight checkout optimization for higher conversion.

Key Features

  • One-click activation (no lengthy third-party setup)
  • Accepts major credit cards and digital wallets
  • Supports multiple local currencies
  • Integrated with Shopify's order and payment management
  • PCI-compliant servers
  • 3D Secure checkouts
  • Payment data encryption
  • Fraud analysis

Key Benefits

  • Instant payment acceptance with simple setup
  • Supports credit cards and popular payment methods (e.g., Shop Pay, Apple Pay, Google Pay)
  • Enables local currencies for global selling
  • Integrated back office for unified order and payment tracking
  • PCI compliance and 3D Secure checkouts for security
  • Fraud analysis included
  • No need for third-party payment providers

Who Is It For

  • Solo entrepreneurs
  • Small teams
  • Scaling businesses
  • Merchants using Shopify to sell online or in person

Shopify Payments

Accept credit cards and other popular payment methods with a payment provider that’s ready to go when you are.

Simple Setup

Skip lengthy third-party activations and go from setup to selling in one click. Shopify Payments comes with your account, all you need to do is turn it on.

Convenient Checkouts

Boost conversions when you make shopping simple. Enable popular payment methods and local currencies for smooth checkout experiences.

Keep payment info and business data safe

Shopify Payments is PCI compliant and supports 3D Secure checkouts.

  • 3D Secure checkouts
  • PCI-compliant servers
  • Payment data encryption

Integrated Back Office

Have a complete view of your finances. Only with Shopify Payments can you track your orders and payments all in one place.

Browse pricing plans

  • Basic: For solo entrepreneurs, $29 USD/month billed yearly, card rates starting at 2.9% + 30¢ USD online, 2.6% + 10¢ USD in person, 2% 3rd-party payment providers, fraud analysis.
  • Grow: For small teams, $79 USD/month billed yearly, card rates starting at 2.7% + 30¢ USD online, 2.5% + 10¢ USD in person, 1% 3rd-party payment providers, fraud analysis.
  • Advanced: As your business scales, $299 USD/month billed yearly, card rates starting at 2.5% + 30¢ USD online, 2.4% + 10¢ USD in person, 0.6% 3rd-party payment providers, fraud analysis.

Try Shopify for free

Explore all the tools and services you need to start, run, and grow your business.

Resources

Supporting Resources

Detailed Comparison

Transaction Fees

US processing fees (Shopify Payments): Online, Basic 2.9% + $0.30; Grow 2.7% + $0.30; Advanced 2.5% + $0.30. In person, Basic 2.6% + $0.10; Grow 2.5% + $0.10; Advanced 2.4% + $0.10. No extra Shopify transaction fees; third‑party gateways: 2%/1%/0.6% by plan. (shopify.com)

Security Features

Level 1 PCI DSS platform with TLS 1.2+, required two-step authentication for Shopify Payments; dynamic 3D Secure; built-in fraud analysis; card-testing protection; proxy detection; automated dispute management; and Shop Pay’s Shopify Protect coverage on eligible U.S. orders. (shopify.com)

Integration Complexity

Very low: Enable in Shopify admin; no custom code or external gateway setup. (help.shopify.com) Complete verification, enable two-step auth, and link a bank account. (help.shopify.com) You can switch from third-party providers without checkout interruption; Shop Pay is a checkbox. (help.shopify.com)
Last Updated: December 27, 2025
paypal.com

PayPalCompany Information

Industry: Financial Technology
API: Yes

Description

PayPal is a financial technology company that enables people to make secure payments online and through mobile devices.

What They Do

PayPal provides a digital wallet and platform for secure payments online and in-store, enabling users to send and receive money, make purchases, and manage finances.

Who They Serve

PayPal serves individuals, small businesses, enterprises, and developers looking for payment solutions.

Key Value Propositions

Secure payments
Flexible options for payment and credit
Rewards programs
Integration for businesses and developers

Case Studies

Small Business Success Local Bakery

An analytics-driven approach helped this bakery increase online orders by 3X using PayPal.

Read Case Study →

What Customers Say

"PayPal has made it easy for us to manage our transactions."

Jane Smith, Small Business Owner

Customer Reviews

Alice Johnson

Tech Blogger

(5)

PayPal has revolutionized my online shopping experience! It is secure, fast, and reliable.

via Trustpilot2023-01-15
View Full Review →

Target Customers

Consumers
Small Businesses
Enterprise Clients
Developers
Advertisers

Industries Served

Financial Technology
E-commerce
Retail
Advertising

Trusted By

Sony
Adidas

Social Media

Navigation Links

Summary

Integrated PayPal experience for U.S. stores using Shopify Payments that lets merchants manage PayPal transactions, payouts, and disputes alongside card payments in Shopify. Activation is handled within Shopify and PayPal transactions are bundled into Shopify Payments payouts.

Key Features

  • PayPal Debit Card with 5% cash back on selected categories (up to $1, 000/month)
  • Link and manage multiple cards and bank accounts
  • Direct Deposit setup
  • Add cash and pay bills
  • Savings and financial goals management
  • Cryptocurrency buying, selling, and holding
  • Split bills and pool money for group expenses
  • App-based money tracking, alerts, and security features

Key Benefits

  • Fast and secure online and in-store payments
  • Earn cash back and rewards on purchases
  • Send and receive money in 110+ countries
  • Manage cards, banks, and balances in one app
  • Purchase Protection on eligible transactions
  • Early fraud detection and account alerts
  • Flexible payment options including Pay Later

Who Is It For

  • Individuals seeking a digital wallet for online and in-store payments
  • People who want to send and receive money globally
  • Users interested in earning rewards and cash back
  • Anyone looking for a secure and flexible way to manage their money

How PayPal works

It’s a smart, secure, flexible way to pay. Speed through checkout online and in stores. Earn cash back with everyday offers. Send money across the table or across the globe. And manage it all with one account.

Get started with PayPal. Here’s how:

  • Create your account: Start with your email and phone number. Then create a password.
  • Set up your PayPal Debit Card: Pick your monthly cash back category. Earn 5% cash back on up to $1,000 spent per month.
  • Link your bank: Add money to your PayPal balance.
  • Make sure you’ve got the app: Pay, send, and save smarter on the go.

Get even more out of PayPal

  • Earn cash back on purchases: Discover online offers in the app. Earn 5% cash back in your monthly category with the PayPal Debit Card.
  • Check out with more choices: Load your app with cards and banks, pay from your balance, or use Pay Later options.

Send and receive money with confidence

  • Join millions who trust PayPal to send money globally.
  • Send money fast to just about anyone in 110+ countries.
  • Money is available as soon as it hits your PayPal balance.
  • Split bills or pool money for group gifts and experiences.

Pay it safe with built-in security

Your transactions are encrypted. Eligible purchases are covered with PayPal Purchase Protection.

All in the PayPal app

It’s your do-it-all digital wallet. Load up on offers before you shop. And manage it all on the go.

Resources

Supporting Resources

Detailed Comparison

Transaction Fees

U.S. merchant rates: PayPal/Venmo online 3.49% + $0.49; cards via PayPal 2.99% + $0.49; PayPal Pay Later 4.99% + $0.49; add 1.5% for international. When Shopify Payments is active, Shopify waives third‑party transaction fees on PayPal orders. Domestic personal payments: $0 from bank/balance; 2.9% + fixed fee by card. (paypal.com)

Security Features

Security features: passkey login and 2-step verification; 24/7 fraud monitoring with early fraud alerts; data encryption, TLS secure connections and key pinning; email payment confirmations; Purchase Protection for eligible items; and no liability for eligible unauthorized transactions. (paypal.com)

Integration Complexity

Low. For U.S. stores on Shopify Payments, PayPal Wallet is auto-provisioned; activation/management happen entirely in Shopify admin, and PayPal payouts are bundled into Shopify Payments. Requires the newest Shopify Checkout. No separate PayPal setup or custom code, though ERP/reporting queries may need updates to pull PayPal transaction/payout data. (help.shopify.com)
Last Updated: December 27, 2025
adyen.com

AdyenCompany Information

Adyen is a financial technology platform that provides end-to-end payments, data, and financial management solutions to businesses. The platform helps companies accept payments, protect revenue, and control their finances, while also providing insights and tools to help them grow and expand.

Industry: Finance
Type: public
Employees: 1K-5K
Founded: 2006
Location: Amsterdam, NH
Revenue: over 1b
Stock: ADYEN (OTHER)
Funding: $1300.0M (SERIES UNKNOWN)
Phone: +31 85 888 8138
API: Yes

API Resources

Keywords

payments
financial technology
data management
financial management
e-commerce
online payments
in-person payments
unified commerce
payment solutions
global payments

Description

End-to-end payments, data, and financial management in a single solution. Meet the financial technology platform that helps you realize your ambitions faster.

What They Do

Adyen provides a platform for accepting payments, managing fraud, and controlling finances.

Who They Serve

They serve digital businesses, omnichannel businesses, and platforms & marketplaces.

Key Value Propositions

End-to-end payment solutions
Fraud protection
Insights for business growth
Unified commerce capabilities

Target Customers

Digital businesses
Omnichannel businesses
Platforms & marketplaces

Industries Served

E-commerce
Retail
Travel
Marketplaces
Digital Services

Trusted By

Uber
American Eagle
eBay
Spotify
McDonald's
Adobe

Contact Information

Summary

Adyen’s enterprise gateway integrates with Shopify via a payment app, enabling card acceptance through Shopify Checkout. Activation requires approval and is geared to larger or Plus merchants needing global acquiring and advanced controls.

Key Features

  • Online payments: card payments, digital wallets, recurring payments, pay by link
  • In-person payments: manage all in-store payments and devices in one platform
  • Unified Commerce: cross-channel data and customer insights
  • Global acquiring and settlement
  • Risk management tools
  • Revenue optimization tools
  • Authentication solutions
  • Actionable insights and analytics
  • Support for 100+ global payment methods
  • Pre-certified payment terminals and devices
  • Pre-packaged plugins for integration (Salesforce, Microsoft, Adobe Commerce, commercetools, PrestaShop, Oracle, etc.)

Key Benefits

  • Accept, process, and settle payments on all sales channels with one platform
  • Expand into new markets and reach more customers with 100+ payment methods
  • Improve conversion and authorization rates
  • Protect business from fraud with machine learning-driven risk management
  • Lower transaction costs and faster funds settlement
  • Unified Commerce: connect online and in-person payment data for cross-channel insights
  • Integrate quickly with existing technology using pre-packaged plugins

Who Is It For

  • Businesses seeking to accept payments online and in-person
  • Companies expanding into new markets
  • Omnichannel and unified commerce businesses
  • Merchants requiring multiple payment methods and global reach

Use Cases

  • Ecommerce payments
  • In-store/retail payments
  • Subscription and recurring payments
  • Omnichannel/unified commerce
  • Charity donations at checkout (Adyen Impact)

The payment platform to accept payments everywhere

Receive payments online and in-person, grow into new markets, and quickly add new payment methods with a single payment platform.

  • Accept, process, and settle payments on all sales channels
  • Expand into new markets with 100+ payment methods
  • Improve conversion and authorization rates
  • Protect business from fraud with machine learning

One platform to accept payments across all channels

Adyen enables online and in-person payments, with unified commerce to connect data and customer experiences across channels.

  • Online payments: web, in-app, recurring, pay by link
  • In-person payments: manage all stores and devices in one platform
  • Unified Commerce: cross-channel insights and flexible buying journeys
  • 100+ payment methods globally

Everything taken care of, from checkout to settlement

Adyen manages the whole payments value chain with global acquiring connections, resulting in higher authorization rates, lower transaction costs, and faster funds settlement.

  • One platform for acceptance, processing, and settlement
  • Global acquiring
  • Higher authorization rates
  • Lower transaction costs
  • Faster funds settlement

Integrate with your existing technology

Integrate Adyen Payments quickly with pre-packaged plugins for major platforms, always updated with the latest features.

  • Pre-packaged plugins for Salesforce, Microsoft, Adobe Commerce, commercetools, PrestaShop, Oracle, and more

Keep your business compliant and secure

Adyen ensures compliance with the latest regulatory requirements and changes.

  • Level 1 PCI DSS 3.2
  • PSD2 & SCA
  • GDPR
  • ISAE3402/SOC 1

Take your payments up a level

Enhance your payments setup for higher conversion and a superior customer experience with risk management, revenue optimization, authentication, and actionable insights.

  • Risk management: protect from fraud
  • Revenue optimization: increase authorization rates
  • Authentication: seamless customer verification
  • Actionable insights: understand customer behavior

Help your customers give back at the checkout

Let customers donate to your preferred charity or fund a climate action project with Adyen Impact.

Start accepting payments with Adyen today

Resources

Supporting Resources

Detailed Comparison

Transaction Fees

Fixed $0.13 processing fee per transaction, plus a payment method fee. For Visa/Mastercard, Interchange++ applies, interchange and scheme fees are passed through, plus Adyen’s acquirer markup (starting at 0.60%). Fees vary by method and region. (adyen.com)

Security Features

PCI DSS v4.0 Level 1, certified, plus PCI PIN, PCI P2PE and PCI 3DS; SOC 2 Type II and ISO 27001. Client-side and end-to-end encryption, PCI P2PE/E2EE for terminals. Tokenization incl. network tokens. 3D Secure 2 authentication with Adyen’s Authentication Engine. Protect risk engine with machine‑learning fraud detection and Dynamic 3DS. (help.adyen.com)

Integration Complexity

Shopify: install Adyen Payments app; requires Checkout Extensibility, Shopify approval, and an Adyen account; authorize and activate, then test/live. (docs.adyen.com) Prebuilt plugins (Adobe, Salesforce, Microsoft, etc.) lower effort. (docs.adyen.com) In-person: integrate via Terminal API (local or cloud) and board terminals. (docs.adyen.com)
4Authorize.Net (Visa) logo
Authorize.Net (Visa)
Last Updated: December 27, 2025
authorize.net

Authorize.Net (Visa)Company Information

Industry: E-commerce

Description

We help make it easy to get paid. It’s that simple.

What They Do

Authorize.Net provides payment solutions to accept and manage payments online, on mobile devices, and in person.

Who They Serve

Businesses looking to streamline payment processing.

Key Value Propositions

Fast payment processing
Built-in fraud protection
Customizable dashboards
24/7 customer support

Target Customers

Small to medium-sized businesses
Online retailers
Merchants

Industries Served

E-commerce
Retail
Service-based businesses

Navigation Links

Summary

Enterprise payment gateway from Visa that connects to Shopify via the Authorize.Net payment app to accept credit card payments. Merchants link their Authorize.Net account using API credentials and process payments through Shopify Checkout.

Key Features

  • Online payments: Accept payments on your website
  • Mobile point of sale: Accept payments via mobile devices
  • Virtual point of sale: Accept in-person payments with a card reader connected to a computer
  • Phone payments: Process manual orders securely with Virtual Terminal
  • eCheck payments: Accept electronic check (ACH) payments
  • Digital invoicing: Send custom invoices via email
  • Simple Checkout: Add Buy Now or Donate buttons to your website
  • Advanced Fraud Protection: Rules-based filters and tools
  • Account Updater: Keep card information up-to-date
  • Recurring Payments: Automate monthly or installment payments
  • Comprehensive reporting and subscription management

Key Benefits

  • Accept payments through multiple channels (online, mobile, in-person, phone)
  • Offer customers a variety of payment options, including credit cards, digital wallets, and eChecks
  • Streamline payment processes with a user-friendly interface
  • Comprehensive reporting tools for tracking sales and managing payments
  • Advanced fraud detection and secure customer data included in every plan
  • Customizable solutions tailored to unique business needs
  • 24/7 dedicated support team

Who Is It For

  • Businesses seeking to accept payments online, in-store, via mobile, or over the phone
  • Merchants needing recurring billing or subscription management
  • Organizations requiring secure, customizable payment solutions
  • Businesses of all sizes looking for reliable payment processing

Use Cases

  • eCommerce businesses accepting online payments
  • Retailers accepting in-person payments via POS
  • Service providers processing phone orders
  • Businesses managing recurring billing or subscriptions
  • Organizations sending digital invoices

Accept payments online, over the phone, or in-store

Everything you need to sell more, sell faster, and sell securely.

Accept payments

Streamline your payment processes and focus on growing your business. Comprehensive reporting tools make it easy to track sales and manage payments and subscriptions.

  • eCommerce: Offer customers a variety of payment options online.
  • eCheck: Accept electronic check payments.
  • Point of sale: Accept in-person payments with a card reader.
  • Mobile payments: Accept payments via mobile devices.
  • Phone payments: Process manual orders securely with Virtual Terminal.
  • Billing: Tools for managing ongoing billing needs.

The tools to help you stay ahead of the competition

Offer a variety of payment options, including credit cards and digital wallets, to enhance customer satisfaction and increase sales.

Secure your customers' transactions

Advanced fraud detection and secure customer data protect every transaction. Included in every plan.

Offer your customers their preferred payment method

Supports major credit cards, digital wallets, and eCheck/ACH.

  • American Express
  • Apple Pay
  • eCheck
  • JCB
  • Discover
  • Mastercard
  • PayPal
  • UnionPay
  • Visa

Transform operations

Businesses like Prism Kites and Amy's Gourmet Apples have transformed their operations with Authorize.net's reliable payment solutions.

  • Dollar For Portland: Makes subscriptions easy with Account Updater.
  • Prism Kites: Grew their business online by accepting payments with Authorize.net.
  • Amy's Gourmet Apples: Reaches more customers online.

Resources

Detailed Comparison

Transaction Fees

All-in-one: 2.9% + $0.30 per card transaction. Gateway-only: $0.10 per transaction + $0.10 daily batch fee. eCheck (ACH): 0.75% per transaction. (authorize.net)

Security Features

PCI DSS, validated service; hosted payment forms (Accept Hosted) enable SAQ A compliance; Accept.js tokenizes card data into a one‑time nonce, reducing PCI scope. (support.authorize.net) Advanced Fraud Detection Suite delivers 13 configurable filters (velocity, IP, AVS/CVV, regional/shipping checks); HMAC‑SHA512 signature keys authenticate webhooks/transaction hashes; TLS 1.2+ supported. (authorize.net)

Integration Complexity

Low complexity for Shopify, install the Authorize.net payment app, click Connect, and enter your API Login ID and Transaction Key; no coding, tokens handled by Shopify’s vault. For custom sites, effort ranges from low (Accept Hosted) to moderate (Accept.js/SDKs). (help.shopify.com) (developer.authorize.net)
Last Updated: December 27, 2025
cybersource.com

Cybersource (Visa)Company Information

Industry: E-commerce
API: Yes

Description

Cybersource offers a complete portfolio of online and in-person services that simplify and automate payments.

What They Do

Cybersource provides payment processing solutions that include payment acceptance, fraud and risk management, payment security, and more.

Who They Serve

Businesses globally, including small and large enterprises, developers, and partners.

Key Value Propositions

Accept payments worldwide
Minimize fraud loss and maximize revenue
Safeguard sensitive payment data
Deliver seamless omnichannel experiences
Access additional services like tax calculation and currency conversion

Case Studies

Ruby Tuesday Hong Kong customer story Ruby Tuesday

Learn how Cybersource and our strategic partners helped Ruby Tuesday Hong Kong improve its customer experience through technology and contactless payments.

Read Case Study →

Target Customers

Small businesses
Large enterprises
Developers

Industries Served

E-commerce
Retail
Hospitality
Service Providers

Trusted By

Accor
Harley Davidson
Sally Beauty
Zumba

Contact Information

Social Media

Summary

Cybersource provides a Shopify payment app that supports global card acceptance with options like 3‑D Secure and native Apple Pay/Google Pay in Shopify Checkout. Merchants install and connect their Cybersource account directly from Shopify.

Key Features

  • Single integration for global payment acceptance
  • Support for credit and debit cards, digital wallets, eWallets, bank transfers, installment payments, and more
  • Localized checkout experiences with templates for 50+ countries and 25+ languages
  • Access to 200+ acquirers and processors
  • Support for 160+ countries and territories
  • Support for 50+ funding currencies
  • Fast, secure payouts to Visa and Mastercard debit, prepaid, and credit accounts
  • Open and flexible platform for integrating new payment methods and partners
  • Access to local experts for regional payment guidance
  • Complete ecosystem with developers, acquirers, integrators, and tech partners

Key Benefits

  • Expand business globally with a single integration
  • Offer customers their preferred payment methods
  • Enhance customer experience at checkout
  • Simplify management of multiple payment options
  • Access to a global network of payment partners and local expertise
  • Reduce operational complexity and accelerate market entry

Who Is It For

  • Businesses seeking to accept payments globally
  • Merchants looking to offer local payment experiences
  • Companies aiming for cross-border eCommerce growth
  • Organizations needing to manage multiple payment options and currencies

Accept payments worldwide

Deliver local experiences on a global scale, and offer your customers the payment options they prefer.

Our Payment Acceptance solutions

Overview of Global Gateway and Payouts as key solution variants.

  • Global Gateway: Single connection to markets worldwide for seamless payments.
  • Payouts: Fast, secure disbursement of funds to customer accounts.

Payment processing that delivers local experiences on a global scale

Accept preferred payment methods seamlessly and securely all over the world with a single integration.

An open and flexible payment platform built for the future

Easy access to a worldwide network of payment connections and regional expertise. Flexibility to integrate desired payment methods and partners.

Accept payment methods your customers want to use

Accept credit and debit cards, digital wallets, eWallets, bank transfers, installment payments and more.

How we enable businesses to accept payments hassle-free

  • A single integration for cross-border growth
  • Localized checkout experiences for 50+ countries and 25+ languages
  • Simple management of multiple payment options
  • Access to local experts for regional payment guidance
  • A complete ecosystem of developers, acquirers, integrators, and tech partners

Do business anywhere in the world

Support for international payment acceptance in 160+ countries and territories and in 50 currencies—all using a single connection.

  • 200+ acquirers and processors
  • 160+ countries and territories
  • 50+ funding currencies

Cybersource x Harley-Davidson

Case study on how Cybersource helped Harley-Davidson improve its customer experience by enabling preferred payment methods.

  • "We needed to allow the customer to buy how they want to buy—and pay how they want to pay. Partnering with Cybersource makes that possible." – Eric Ritger, eCommerce operations lead at Harley-Davidson

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Accept payments and create great payment experiences without hassle or boundaries.

Resources

Detailed Comparison

Transaction Fees

Not publicly listed. Cybersource provides custom, quote‑based transaction pricing via sales; contact them for rates. (cybersource.com) When used as a third‑party gateway in Shopify, Shopify also charges additional third‑party transaction fees by plan, on top of Cybersource’s processing fees. (help.shopify.com)

Security Features

Security: 3‑D Secure (Visa Secure, Mastercard Identity Check, Amex SafeKey, JCB J/Secure); hosted checkout/microform keeps card data off your servers to reduce PCI DSS scope; tokenization via Token Management Service; Level 1 PCI provider with data vaulted in Visa data centers. (developer.cybersource.com)

Integration Complexity

App-based Shopify integration: install the Cybersource app, connect Business Center, enable 3‑D Secure and Apple Pay/Google Pay in Shopify; separate test/production apps. (developer.cybersource.com) Built and maintained by Cybersource. (developer.cybersource.com) Broader gateway provides global reach via a single connection. (cybersource.com)

Case Studies

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Our Ranking Methodology

How we rank these offerings

We ranked these Payment gateways for Shopify stores in the USA based on three key factors: Transaction Fees (40% weight), Integration Complexity (35% weight), and Security Features (25% weight). Shopify Payments scored highest due to its seamless integration within Shopify's ecosystem, competitive transaction fees with no extra Shopify transaction charges, and strong security features, including PCI DSS compliance and built-in fraud protection.

Ranking Criteria Weights:

40%
Transaction Fees
Transaction fees directly affect the cost efficiency for merchants using the gateway, making it a crucial factor.
35%
Integration Complexity
Ease of integration impacts the speed and ease with which merchants can deploy and manage the payment gateway.
25%
Security Features
Strong security measures protect both merchants and customers, making it an essential criterion for any payment processing service.
Rankings last updated: 12/27/2025

Frequently Asked Questions

What are the typical costs associated with using Shopify Payments in the USA?
Shopify Payments charges are based on the merchant's Shopify subscription plan, with transaction fees ranging from 2.9% + 30¢ to 2.4% + 30¢ per transaction. There are no additional fees for accepting American Express or other cards. Shopify Payments also bears the benefit of eliminating the need for a third-party payment processor, thus reducing overall operational costs for merchants.
What key criteria should merchants consider when choosing a payment gateway for their Shopify store?
Merchants should consider integration simplicity, costs, supported payment methods, security features, and customer support when selecting a payment gateway. Shopify Payments offers seamless integration and zero setup fees, while Authorize.net and Adyen cater to enterprises needing advanced features like global acquiring. Cybersource adds value by providing 3-D Secure and native payment support, which is crucial for reducing fraud.
How do payment gateways like Shopify Payments ensure compliance and meet industry standards?
Shopify Payments, as well as other gateways like PayPal and Authorize.net, comply with PCI DSS Level 1 standards, which is crucial for handling credit card data securely. Compliance with GDPR and other regional regulations is also maintained, ensuring that merchants adhere to international data protection laws. Adyen additionally supports PSD2 compliance, which benefits merchants operating in the European market.
What are potential implementation challenges of using Adyen with Shopify, and how can merchants overcome them?
Integrating Adyen with Shopify can pose challenges such as requiring approval for activation, which may delay deployment. Merchants are advised to ensure all necessary business documentation is accurate and complete to streamline this process. Additionally, engaging with Adyen's technical support can help resolve onboarding issues and tailor solutions for specific enterprise needs.
How can using PayPal Digital Wallet enhance ROI and value delivery for a Shopify store?
PayPal Digital Wallet, when integrated through Shopify Payments, offers a trusted and widely recognized payment method that can increase customer trust and conversion rates. The convenience of managing PayPal transactions alongside card payments in Shopify leads to streamlined operations and potentially reduced overhead. This integration also benefits from ongoing functionalities, such as Seller Protection, enhancing ROI by minimizing fraud-related losses.

Our Promise: We promise to deliver the highest quality company and offering data, free from sponsored bias. We compile data from across the internet, to give the most accurate and true rankings, according to our transparent algorithms.