Best Payment gateway for Shopify stores in USA
Non-sponsored, Expert Verified and Transparently Ranked Payment gateway for Shopify stores in USA
Executive Summary
We analyzed 5 solutions. Top Recommendation: Payment Acceptance by Cybersource (Visa) scored highest due to Best for enterprises prioritizing Visa-grade risk controls with seamless Shopify integration. The Shopify app supports Apple Pay/Google Pay and 3‑D Secure [1], includes Decision Manager and Fraud Management Essentials [2], and is listed in Cybersource’s partner marketplace for Shopify [3].
At a Glance
Payment AcceptancebyCybersource (Visa)
Best for: Best for enterprises prioritizing Visa-grade risk controls with seamless Shopify integration. The Shopify app supports Apple Pay/Google Pay and 3‑D Secure [1], includes Decision Manager and Fraud Management Essentials [2], and is listed in Cybersource’s partner marketplace for Shopify [3].
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Cybersource (Visa)
Company Information
Company Overview
Company Details
Trust & Compliance
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
Industries Served
Technical Information
API reference provides sample code, field descriptions, and developer guides.
Social Proof
Trusted By
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 StudySummary
Cybersource Payment Acceptance allows businesses to accept a wide range of payment methods globally, providing a single connection to markets worldwide. The platform is designed to deliver local experiences, support cross-border growth, and offer flexibility to integrate with various acquirers, tech partners, and payment methods.
Overview
Cybersource Payment Acceptance is a global solution that enables businesses to accept payments worldwide, offering customers their preferred payment options through a single integration. The platform supports seamless, secure, and flexible payment processing across methods, channels, and geographies, helping businesses deliver local experiences on a global scale.
Best For
Best for enterprises prioritizing Visa-grade risk controls with seamless Shopify integration. The Shopify app supports Apple Pay/Google Pay and 3‑D Secure [1], includes Decision Manager and Fraud Management Essentials [2], and is listed in Cybersource’s partner marketplace for Shopify [3].
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
Features & Modules
Accept payments worldwide
Deliver local experiences on a global scale, and offer your customers the payment options they prefer.
Our Payment Acceptance solutions
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
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
Available In
Checkout.com
Company Information
Company Overview
Company Details
Contact Information
Trust & Compliance
Key Value Propositions
- End-to-end payment solutions
- Intelligent acceptance using AI
- Robust fraud detection and security measures
- Support for a wide array of payment methods
- Global reach with local expertise
Industries Served
Technical Information
Checkout.com's API allows for seamless integration to enable payment processing, reporting, and account management with full documentation.
Social Proof
Customer Testimonials
Checkout.com has transformed the way we accept payments.
Customer Reviews
"An intuitive platform that has streamlined our payment processes."
Trusted By
Case Studies
eBay
eBay
Serving millions of buyers and sellers globally.
HelloFresh
HelloFresh
Enhancing payments across 18 global markets.
GetYourGuide
GetYourGuide
200% growth in online experience bookings.
Summary
Checkout.com's Connect Global Payments Network empowers merchants to build, upgrade, and adapt payment experiences at scale. The platform provides access to a global and local payment processing network, supporting smooth, compliant payin and payout experiences. It is designed to be modular, allowing businesses to refine customer experiences and expand their payment toolkit as they grow.
Overview
Connect Global Payments Network by Checkout.com is a unified payments API that gives merchants complete control over the entire payment lifecycle. It enables businesses to process payins and payouts globally, optimize payment experiences, and manage the full payment journey through a single, flexible, and customizable API.
Best For
Best for scaling brands wanting enterprise-grade optimization with Shopify. Compatible with Shop Pay via the onsite app for U.S. entities [1], leverages Intelligent Acceptance to boost approval rates [2], and offers global acquiring across 150+ currencies [3].
Key Features
- Unified Payments API for payins and payouts
- Pre-processing: Build optimized checkout experiences with granular data and control
- Payment request: Move money through global/local card schemes and other payment methods
- Payments lifecycle management: Capture, refund, and void payments from one API
- Post-processing data: Access detailed payment data insights
- Modular integrations for tailored solutions
Key Benefits
- Complete control of the payment lifecycle from a single API
- Boosted conversions with intelligence from billions of transactions
- Scalable global and local payment processing
- Modular platform that adapts to business needs
- Optimized customer payment experiences
- Comprehensive payment data insights for better performance
Who Is It For
- Merchants seeking global and local payment processing
- Businesses requiring scalable, modular payment solutions
- Companies needing to manage the full payment lifecycle via API
- Enterprises in ecommerce, gaming, marketplaces, travel, fintech, crypto, and payment facilitation
Features & Modules
OUR API. YOUR RULES.
Boost conversions
Elevate the performance of your payments with intelligence from billions of transactions processed across the Checkout.com network.
Build at scale
Tap into our network of global and local payment processing capabilities for smooth, compliant payin and payout experiences – wherever you do business.
Shape your solution
Refine your customer experience and expand your toolkit. Our modular platform will meet your needs today and grow with you tomorrow.
One API. Countless opportunities.
Checkout.com empowers merchants to build optimized payment experiences for their customers across the entire payment journey – all from a single API.
- Pre-processing: Build optimized checkout experiences for your customers with all the data and control you need to fine-tune performance.
- Payment request: Move money through payins and payouts, global card schemes, local card schemes, and other payment methods.
- Payments lifecycle management: Manage payments through the lifecycle from one API, including payment capture, refund, and voids.
- Post-processing data: Get a granular and comprehensive view of your payment data insights and power better performance.
Available In
Security
- Trust Center available for reviewing security practices and compliance standards: https://trust.checkout.com/
Compliance
- Checkout.com or its affiliates provide services under a license or registration in various jurisdictions.
- Money transmission services in the U.S. provided by Checkout US Inc. (NMLS # 1791692).
- For details, visit the Regulatory page: https://www.checkout.com/legal/certificates
Adyen
Company 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.
Company Overview
Company Details
Financial Information
Contact Information
Trust & Compliance
Key Value Propositions
- End-to-end payment solutions
- Fraud protection
- Insights for business growth
- Unified commerce capabilities
Technology Stack
Industries Served
Technical Information
Adyen provides APIs for payment processing, risk management, and financial operations.
Social Proof
Trusted By
Social Links & Discovery
Categories
Keywords
Target Customers
Summary
Adyen Payments provides a unified platform for businesses to accept payments across all sales channels, including online (web, in-app, recurring, pay by link) and in-person. The platform manages the entire payments value chain, from checkout to settlement, with global acquiring connections, and offers integration with existing technology stacks through pre-packaged plugins.
Overview
Adyen Payments is a single payment platform that enables businesses to accept, process, and settle payments online and in-person, expand into new markets, and quickly add new payment methods. It supports 100+ payment methods globally and provides tools for risk management, revenue optimization, authentication, and actionable insights.
Best For
Best for enterprise retailers needing global acquiring and sophisticated risk on Shopify. Adyen’s Shopify integration requires approval and is positioned for enterprise needs [1], supports 3DS2 and comprehensive test flows in its Shopify docs [2], and is presented as a preferred enterprise partner [3].
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)
Features & Modules
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
Keep your business compliant and secure
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
Available In
Security
- Fully PCI DSS v3.2 compliant
- Security capabilities assessed and verified by third-party assessors and auditors
- Services developed to minimize the need for merchants to process and store sensitive data
Compliance
- Level 1 PCI DSS 3.2
- PSD2 & SCA
- GDPR
- ISAE3402/SOC 1
Authorize.Net (Visa)
Company Information
Company Overview
Company Details
Key Value Propositions
- Fast payment processing
- Built-in fraud protection
- Customizable dashboards
- 24/7 customer support
Industries Served
Technical Information
Summary
A comprehensive payments platform that allows businesses to accept payments through multiple channels (online, mobile, in-person, phone) and manage billing, subscriptions, and reporting. The platform supports a wide range of payment methods and offers security and fraud protection features.
Overview
Authorize.net Payments Platform enables businesses to accept and manage payments online, over the phone, in-store, and via mobile devices. The platform offers a user-friendly interface, comprehensive reporting tools, and a variety of payment options, including credit cards, digital wallets, and eChecks. It is designed to help businesses sell more, sell faster, and sell securely, with advanced fraud protection and secure customer data included in every plan.
Best For
Best for established retailers that need a traditional gateway with ACH and granular fraud controls. Supports eCheck/ACH for cost-effective bank payments [1], AFDS provides configurable anti-fraud filters [2], and there’s an official Shopify payment app with active support timeline [3].
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
Features & Modules
Accept payments online, over the phone, or in-store
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
Offer your customers their preferred payment method
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.
Available In
Security
- Advanced fraud detection tools included in every plan
- Secure customer data protection
- Registered ISO of Wells Fargo Bank, N.A., Concord, CA
Compliance
- Registered ISO of Wells Fargo Bank, N.A., Concord, CA
Shopify Inc.
Company Information
Company Overview
Company Details
Trust & Compliance
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
Industries Served
Technical Information
Shopify offers extensive APIs for developers to integrate with and extend the platform.
Social Proof
Customer Testimonials
Shopify Capital has given us the funding we need to stock up on inventory and grow rapidly.
Trusted By
Case Studies
Summer Solace Tallow
Megan Bre Camp
Started selling organic candles and skincare online and at local farmers markets.
Read Case StudySummary
Shopify Payments allows merchants to start accepting payments quickly and easily, directly from their Shopify account. It eliminates the need for lengthy third-party payment provider activations and is ready to use with just one click. Merchants can accept credit cards and other popular payment methods, offer local currencies, and manage orders and payments in one place.
Overview
Shopify Payments is a built-in payment provider for Shopify stores, enabling merchants to accept credit cards and other popular payment methods instantly, with no need for third-party activations. It offers a seamless setup, supports multiple payment methods and currencies, and provides integrated financial tracking and security compliance.
Best For
Best for U.S.-based Shopify merchants seeking the highest-converting, low-friction checkout. One-click setup speeds go-live [1], Shopify Checkout is optimized for conversion and scale with accelerated wallets [2], and Shopify Protect offers free fraud chargeback coverage on eligible Shop Pay orders [3].
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
Features & Modules
Shopify Payments
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
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.
Integrations
Available In
Security
- PCI compliant
- Supports 3D Secure checkouts
- Payment data encryption
- PCI-compliant servers
Compliance
- PCI DSS compliance
Data Quality & Transparency
Our Ranking Methodology
How we rank these offerings
We ranked these Payment gateway for Shopify stores in USA using a weighted scoring formula: Integration with Shopify (35%), Fraud Detection Capabilities (35%), Pricing and Transaction Fees (30%). N/A values receive 0 points. Payment Acceptance (cybersource.com) scored highest with 91.5 due to strong integration, industry-leading fraud controls, and robust enterprise features. Companies with N/A values for fraud detection or with significant integration limitations had notably reduced maximum scores.
Ranking Criteria Weights:
Seamless integration is crucial for Shopify merchants to streamline operations and reduce friction in the customer checkout experience.
Effective fraud detection is vital for protecting merchants from chargebacks and financial losses, particularly in the eCommerce landscape.
Pricing directly impacts merchant profitability, making it essential for buyers to understand and compare the total cost of each solution.
Frequently Asked Questions
- What are the typical costs and pricing models for payment gateways on Shopify stores in the USA?
- Shopify Payments typically does not charge additional transaction fees beyond standard credit card rates for using its service, simplifying the cost structure. Authorize.net, which is a long-established provider, generally operates on a monthly fee model with transaction fees, which may vary based on volume. Adyen offers enterprise-grade pricing with direct acquiring that can provide savings through reduced per-transaction fees, particularly for high-volume merchants. These models are designed to address the needs of businesses with different transaction volumes and processing requirements.
- What are the key selection criteria when choosing a payment gateway for a Shopify store?
- Selection criteria for a payment gateway on Shopify include integration ease with Shopify, cost structure, and fraud prevention features. Shopify Payments offers seamless integration and centralized admin features for ease of use. Cybersource provides sophisticated fraud screening, which is crucial for enterprise-level security. Additionally, it's vital to consider global payment capabilities, for which Checkout.com offers rich analytics and worldwide acquiring, making it a strong contender for internationally operating stores.
- What industry standards and compliance requirements should be considered when implementing a payment gateway?
- Compliance with PCI DSS (Payment Card Industry Data Security Standard) is a crucial requirement for any payment gateway. Shopify Payments supports PCI compliance automatically, streamlining the process for store owners. Cybersource, another Visa-owned platform, integrates with Visa’s Decision Manager to provide not just compliance but also enhanced security measures like 3-D Secure. Adyen’s unified commerce and modern authentication flows are designed to adhere to stringent compliance standards, catering to enterprise needs.
- What are common implementation challenges faced when integrating payment gateways on Shopify, and how can they be addressed?
- A common challenge is ensuring seamless integration without disrupting existing operations, which Shopify Payments addresses by being a native option with integrated reporting. Authorize.net can pose complexity with fraud prevention settings, which requires a thorough understanding of its robust screening tools; expert support can help mitigate these issues. For global payment processing, Checkout.com’s advanced capabilities can be demanding to set up correctly; partnering with experienced providers or consultants who understand international banking can facilitate smoother integrations.
- What return on investment (ROI) can businesses expect from implementing a payment gateway on Shopify?
- The ROI from a payment gateway is typically seen in increased sales conversions due to improved user experience and reduced cart abandonment. For instance, Shopify Payments’ integration with Shop Pay and other digital wallets speeds up checkout, fostering higher conversion rates. With Adyen, enterprise merchants benefit from unified commerce, leading to more streamlined operations and cost savings due to direct acquiring. Coupled with fraud prevention tools from platforms like Cybersource, businesses can also mitigate losses, contributing further to overall ROI.
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.