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Top 5 2D Payment Gateways in USA

Top 5 2D Payment Gateways in USA

In today’s digitalized world, everyone from merchants who have an online business or a brick-and-mortar retail shop anywhere in the United States; are looking for easy ways to accept payments from their customers, need an effective and quick payment gateway. Read on to find the best 2d payment gateway in USA.

2D Payment Gateway is one of the most trusted tools for receiving payments by merely using your business phone number.  These services work as client applications that can easily integrate with mobile wallets such as Android Pay and Apple Pay.  Since these payment gateways operate over SMS, they provide you access to debit/credit card information of both new and recurring customers. With this service set up on your website, you will be able to collect payments directly through credit or debit cards without having to worry about handling sensitive details because everything is handled automatically when a payment is initiated.

Top 2D Payment Gateway in USA

1. Stripe payments

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  • It is one of the most popular e-commerce payment methods that offer instant gateway integration and provides a simple API for web applications, as well as, native apps (iOS/ Android).
  • It offers complete fraud protection and risk management mechanisms through Stripe Radar technology; hence making it very important for all types of online businesses from professionals to startups.
  • Moreover, Stripe has partnered with many big brands like Airbnb, Lyft, etc.
  • In addition to this, it also helps you to integrate other services like Mailchimp (Email newsletter), Zapier, Slack, etc.
  • You can also use Stripe for in-person transactions by using the Stripe terminals.
  • Moreover, it offers you an easy developer experience and free test accounts starting from $0/month.
  • So if you are thinking of getting started with an e-commerce store you should consider Stripe’s 2D payment gateway for your business.

2. PayPal

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  • If you are thinking of starting a business, PayPal (a 2D payment gateway in USA) is one of the best options for you as it offers safety and security to your customers.
  • It has over 200 million active customer accounts in 203 markets and 25 currencies.
  • It is a very popular and widely used payment processor that offers quick integration, as well as, easy to use API for small businesses or individuals who wish to have a simple way of selling digital content online like music, videos, etc.
  • It also provides subscription programs with flexible billing options to meet the needs of all kinds of customers and businesses worldwide.
  • PayPal helps online vendors in creating customized shopping carts using Buy Now buttons, displaying variable products questions, eBay integrations, shipping management, etc.
  • It also offers live customer support and multiple language options so it provides a great user experience while making payments online through PayPal.
  • Moreover, PayPal has partnered with more than 460 financial institutions worldwide to offer their customers various products like credit/ debit cards transfers, bank transfers, etc.

3. Amazon Payments

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  • It is an ideal choice for small businesses that are looking for a simple and affordable way to accept online payments.
  • It is easy to integrate with various web platforms like WordPress, Drupal, Bigcommerce, etc.
  • Amazon Payments offers one-click payment options through which customers can make payments by entering their name, email id, or mobile number.
  • This gateway also provides access to millions of paying customers around the world in over 100 countries through Amazon Global Store as well as local currencies at low transaction fees (if you are planning to expand your business globally then this could be the best option of 2D Payment Gateway in USA.
  • It has a 2D Secure feature that helps save merchants and customers from frauds and chargebacks since it requires a customer’s CVV code whenever he/ she enters his/ her credit card details as well as the name of the cardholder and expiration date.


  • is one of the best 2D payment gateway in USA with a simple & easy user interface for its users.
  • It integrates without any problem with various shopping carts such as Shopify, Magento, etc.
  • provides many features like Paypal integration, recurring billing facility, real-time notification, etc.
  • Almost all the countries accept it as their preferred online payment method and it also offers mobile applications for customers who want to pay via smartphone or tablet device instead of PC/Laptop.
  • It allows you to support multiple currencies on your website for your customers in the USA from where they can select their preferred currency so that there is no need of converting the price into respective payment card currency which may lead to some unnecessary conversions charges from merchant’s side. This solution will help you to eliminate all these extra costs from your business.
  • It has the Recurring Billing feature which enables recurring billing facility on your website with payment gateway, thus allowing your existing customers to pay automatically every month/year/or whatever period you need without any need of manual intervention and wasting unnecessary time and money for processing payments manually each month (that means no more bounced checks!).

5. eBay Payments Inc (USA)

  • This is one of the most popular forms of 2D Payment Gateways in USA simply because most of the small businesses in the USA sell products on eBay.
  • eBay Payments Inc, a subsidiary of eBay is available for merchants in more than 200 countries around the globe.
  • It provides a wide range of payment solutions to help you run your online business. It serves all businesses irrespective of their size and planning stages.
  • The service supports PayPal as well and provides some additional features like pay by phone toll-free number with customer support, fraud management gateway for Card-Not-Present transactions, etc.
  • One can integrate this gateway using GoPayment or payment processing tools.
  • It offers simple integration with e-commerce platforms like Magento, Bigcommerce, WordPress, etc.
  • In addition to this, it also offers the best class fraud and risk management system that helps merchants from chargebacks, as well as, identity theft.


If you’re an online retailer or in the e-commerce business, it is not difficult to see why 2D Payment Gateways are so important. They help you eliminate all of those extra costs that come with manual processing and bouncing checks every month. So, choose a payment gateway that suits your needs and start your account today.

author avatar
Celine Brooks Writer
Celine is a seasoned writer with six years of experience in the Fintech industry. She holds a Master's degree in Business Administration from the University of Nebraska. She prides herself on writing articles that are well-received and loved by her readers.
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