10 Best Payment Gateway Providers With In-Store Solutions In USA (2023 Updated)

In today’s digital age, payment gateways have become the unsung heroes of retail.

They’re the silent helpers that seamlessly process transactions behind the scenes, allowing businesses to focus on what they do best. 📩

Choosing the right among many payment gateway can be overwhelming. 

Fear not, dear reader, because we’ve done the heavy lifting for you. In this blog, we’ll be taking a look at the top 10 payment service with in-store solutions available in the USA for 2023. 

So sit back, relax, and let’s dive into the world of online payment platforms! 👇

Paypal

PayPal is a well-known and trusted name in the world of online payments. With over 392 million active users worldwide, it’s no surprise that PayPal has become one of the leading payment processor & gateways in the USA. 

What sets PayPal apart from its competitors is its wide range of in-store solutions that allow businesses to seamlessly process payments in-person. From mobile payments to point-of-sale systems, PayPal offers a variety of options for businesses of all sizes. In this blog, we’ll take a closer look at PayPal’s in-store solutions and how they can benefit your business.

Paypal Features

• Mobile Payments
• Point-of-Sale (POS) Systems
• Invoicing
• Payment Gateway Integration
• Fraud Protection
• Multi-Currency Support
• Analytics and Reporting

Paypal Pricing

The cost charged by payment gateway platforms varies from geography to geography & type of user- customer or merchant. You will find a brief overview of the pricing here.

-For consumers(Sending domestic personal transactions): 

• PayPal balance or a bank account- No fee
• Cards- 2.90% + fixed fee
• Amex Send™ Account- No fee  

-Merchant:

• PayPal Checkout  –  3.49% + fixed fee
• PayPal Guest Checkout –  3.49% + fixed fee
• QR code Transactions Fee – 10.01 USD and above  –  1.90% + fixed fee
• QR code Transactions Fee – 10.00 USD and below  –  2.40% + fixed fee
• QR code Transactions through third party integrator  -s 2.29% + 0.09 USD

Paypal Pros

• Trusted Brand: PayPal is a well-known and trusted brand, which can provide a sense of security to both businesses and customers.
• User-Friendly: PayPal is known for being user-friendly and easy to set up and use, making it a great option for businesses of all sizes and levels of technical expertise.
• Multiple Payment Options: PayPal supports a wide range of payment options, including credit and debit cards, bank transfers, and PayPal balances, making it a versatile payment gateway for businesses and customers alike.

Paypal Cons

• Fees: PayPal charges transaction fees that can be higher than some other payment gateways, which can eat into a business’s profits.
• Account Freezing: PayPal has been known to freeze accounts for various reasons, which can be frustrating for businesses that rely on PayPal for their payment processing.
• Limited Customer Support: PayPal’s customer support can be slow and limited in terms of available options, which can be a pain point for businesses that need help resolving issues quickly.

Stripe

Stripe is a rapidly growing payment gateway that has become a popular choice for businesses of all sizes. Founded in 2010, Stripe’s user-friendly platform and innovative features have made it a leading payment gateway with in-store solutions available in the USA. 

With a focus on simplifying the payment processing experience for businesses and customers alike, Stripe has quickly gained a reputation as a reliable and trusted payment gateway. In this blog, we’ll take a closer look at Stripe’s in-store solutions and how they can benefit your business.

Stripe Features

• Payment Processing
• Point-of-Sale (POS) Systems
• Customizable Payment Pages
• Subscription Billing
• Fraud Prevention
• Multi-Currency Support

Stripe Pricing

The cost charged by payment gateway platforms varies from geography to geography & type of user- customer or merchant. You will find a brief overview of the pricing here.

-Integrated paid plan: 2.9% + 30¢ per successful card charge:

• Everything you need to manage payments
• Pay iconGet hundreds of feature updates each year
• Reporting iconNo setup fees, monthly fees, or hidden fees

Stripe Pros

• User-Friendly: Stripe’s user interface is designed to be intuitive and easy to use, making it easy for businesses to set up and manage their payment processing.
• Advanced Security Features: Stripe provides businesses with advanced security features, including fraud detection and prevention, 3D secure authentication, and tokenization, helping to protect against fraud and unauthorized transactions.
• Flexible Integration: Stripe can be easily integrated with a variety of third-party platforms and payment gateways, making it a versatile payment solution for businesses with complex payment processing needs.

Stripe Cons

• Limited In-Store Solutions: While Stripe offers a range of online payment solutions, its in-store solutions are more limited in comparison to some of its competitors.
• Payout Processing: Stripe’s payout processing can sometimes be slower than other payment gateways, which can be a pain point for businesses that need to process payments quickly.
• Customer Support: Some users have reported issues with Stripe’s customer support, including long wait times and limited options for resolving issues.

Braintree

Braintree is a payment gateway software that provides businesses with a simple and secure way to process payments online and in-store. It was founded in 2007 and has since been acquired by PayPal. 

Braintree is known for its advanced features, including customizable payment pages, subscription billing, and advanced fraud detection tools, making it a popular choice for businesses of all sizes. In addition to its online payment solutions, Braintree also offers in-store solutions, such as mobile card readers and POS systems, providing businesses with a complete payment provider processing solution.

Braintree Features

• Payment Processing
• Customizable Payment Pages
• Subscription Billing
• Advanced Fraud Detection
• In-Store Solutions
• International Support
• Developer-Friendly

Braintree Pricing

The cost charged by payment gateway platforms varies from geography to geography & type of user- customer or merchant. You will find a brief overview of the pricing here.

Paid Plan:

• 2.59% + $.49 per transaction, card & digital wallets
• 3.49% + $.49 per transaction, Venmo
• 0.75% per transaction ACH Direct Debit

Braintree Pros

• Advanced Security: Braintree offers advanced fraud protection and security features, such as data encryption and 3D Secure, that help to keep transactions secure and prevent fraudulent activities.
• Versatile Payment Options: Braintree supports a wide range of payment methods, including PayPal, Apple Pay, and Google Pay, which can help businesses attract and retain customers who prefer alternative payment options.
• In-Store Solutions: Braintree offers various in-store solutions, including mobile card readers and POS systems, which can help businesses to accept payments seamlessly and efficiently in physical locations.

Braintree Cons

• Complex Setup: Braintree can be challenging to set up and may require technical knowledge or developer support, which can make it less accessible to small businesses with limited resources.
• Fees: Braintree charges fees for each transaction, which can add up quickly for businesses that process a high volume of transactions.
• Customer Service: Some businesses have reported difficulty reaching Braintree’s customer service or receiving timely responses to their inquiries, which can be frustrating for businesses that require prompt support.

Stax by Fattmerchant

Stax by Fattmerchant is a top payment gateway software designed to help businesses manage their payment processing needs with ease. The software offers a range of features, including payment processing, invoicing, angd reporting, to simplify payment management for businesses. 

Stax is known for its transparent pricing model, which offers businesses a flat monthly fee and no hidden fees or markups on transactions. This makes it an attractive payment solution for businesses that process a high volume of transactions and want to avoid unpredictable or fluctuating costs. 

Stax by Fattmerchant Features

• Payment Processing
• Flat Monthly Fee
• Invoicing
• Reporting
• Mobile Card Readers
• Integrations
• Support

Stax by Fattmerchant  Pricing

The cost charged by payment gateway platforms varies from geography to geography & type of user- customer or merchant. You will find a brief overview of the pricing here.

• Small Business: Starting at* $99/month, with features like, ACH Processing, Dashboards and Analytics, API Key Integration Capabilities, Digital Invoicing, Text2Pay Mobile Payments
• Large Business: Customized pricing plans with features like, Card-Present Payments, QuickBooks® Online Pro Sync, & Payments API & more
• SaaS Businesses: Customized plan with features like, Easy Enrollment Platform, Risk Management, & Settlement Engine & more

Stax by Fattmerchant Pros

• Transparent Pricing: Stax by Fattmerchant offers a transparent pricing model with no hidden fees or markups on transactions, making it easy for businesses to predict and manage their payment processing costs.
• Invoicing and Reporting: Stax by Fattmerchant offers invoicing and reporting features that help businesses to streamline their payment processing and gain insights into their financial performance.
• Mobile Card Readers: Stax by Fattmerchant offers mobile card readers that enable businesses to accept payments on the go, whether at events, trade shows, or in-store.

Stax by Fattmerchant Cons

• Limited International Support: Stax by Fattmerchant is primarily focused on serving businesses in the United States, which may limit its usefulness for businesses with international customers or operations.
• Limited Integrations: While Stax by Fattmerchant offers integrations with popular business tools, its integration options may be more limited than other payment gateway software options.
• Technical Knowledge Required: Setting up and configuring Stax by Fattmerchant may require some technical knowledge or support, which can make it less accessible to small businesses with limited resources.

Square

Square is a payment gateway software designed for businesses of all sizes, providing a range of features for in-store and online payment processing. With Square, businesses can accept payments from all major credit and debit cards, as well as mobile payments like Apple Pay and Google Pay.

Square also offers a range of point-of-sale (POS) hardware, including card readers, tablets, and cash registers, to help businesses streamline their in-store payment processing. 

In addition, Square provides features for invoicing, e-commerce, and gift card sales, making it a versatile payment solution for businesses. Square’s user-friendly interface and affordable pricing model have made it a popular choice among small businesses and independent sellers.

Square Features

• Payment Processing
• Point-of-Sale (POS) Hardware
• Invoicing
• E-commerce
• Gift Cards
• Analytics and Reporting
• Affordable Pricing

SquarePricing

The cost charged by payment gateway platforms varies from geography to geography & type of user- customer or merchant. You will find a brief overview of the pricing here.

• Free: Sell in person, online, over the phone, or in the field. No setup fees or monthly fees — only pay when you take a payment. 
• Plus: Get advanced features designed specifically for restaurants, retailers, or appointment-based businesses. Upgrade when you want to, cancel anytime, at $29+/mo. + processing fees
• Premium: Customized pricing plan

Square Pros

• User-Friendly: Square is known for its user-friendly interface, making it easy for businesses of all sizes to set up and start accepting payments quickly.
• Versatile: Square offers a range of features for in-store and online payment processing, as well as e-commerce and invoicing tools, making it a versatile payment solution for businesses.
• Affordable: Square’s transparent pricing model with no monthly fees or long-term contracts makes it an affordable option for businesses of all sizes.

Square Cons

• Limited Customer Support: Square’s customer support may not be as robust as other payment gateway software options, which could be frustrating for businesses that need assistance.
• Transaction Fees: While Square’s pricing is affordable overall, businesses may incur higher transaction fees for certain types of payments, such as American Express or international transactions.
• Limited Customization: While Square provides a range of features, it may not offer as much customization as other payment gateway software options, which could limit its usefulness for businesses with specific needs.

Authorize.Net

Authorize.Net is a popular payment gateway software that provides businesses with a range of payment processing solutions, including in-store payment options. It allows businesses to accept payments from all major credit and debit cards, as well as e-checks and digital payment options like Apple Pay and PayPal. Authorize.Net also offers features for recurring billing, invoicing, and fraud detection, making it a comprehensive payment platform for businesses of all sizes. 

In addition, it provides a range of point-of-sale (POS) hardware options to streamline in-store payment processing. Its user-friendly interface, reliable service, and advanced security features have made it a popular choice for businesses looking for a reliable payment gateway software.

Authorize.Net Features

• Robust Payment Processing
• Invoicing
• Fraud Detection
• Recurring Billing
• Advanced Security
• Point-of-Sale (POS) Solutions
• Developer-Friendly

Authorize.Net Pricing

The cost charged by payment gateway platforms varies from geography to geography & type of user- customer or merchant. You will find a brief overview of the pricing here.

All-in-One option:

• No setup fee
• Monthly gateway: $25
• Per transaction 2.9% + 30¢

Payment Gateway Only:

• No setup fee
• Monthly gateway: $25 
• Per transaction 10¢, daily batch fee 10¢ 

Authorize.Net  Pros

• Robust payment processing capabilities, including support for a wide range of payment methods and currencies.
• Comprehensive fraud detection and prevention tools to help minimize the risk of fraudulent transactions.
• Advanced security features, such as PCI-DSS compliance, to protect sensitive payment data.

Authorize.Net Cons

• The pricing structure can be complex, with additional fees for certain services and payment methods.
• Some users have reported difficulties with customer support, particularly with longer wait times and unresponsive agents.
• The interface may not be as intuitive or user-friendly as some other payment gateway software options, which may require a learning curve for some users.

Pay Simple

PaySimple is a all-in-one payment processing software that provides businesses with a range of tools to manage their payments, invoicing, and billing. It is an all-in-one solution that offers businesses a variety of payment processing options, including recurring billing, e-checks, credit and debit cards, and ACH transfers. 

Additionally, PaySimple offers mobile and in-store solutions to streamline payment processing for brick-and-mortar businesses. The software is designed to be user-friendly and provides businesses with robust reporting and analytics tools to help them better understand their payment data.

Pay Simple Features

• Payment processing
• Recurring billing
• Mobile payments
• In-store payments
• Online payments
• Reporting and analytics
• Customer management

Pay Simple Pricing

The cost charged by payment gateway platforms varies from geography to geography & type of user- customer or merchant. You will find a brief overview of the pricing here.

-Credit card processing as low as: 2.54% Per transaction + monthly fees

-$0.69 + 0.25%- ACH/eCheck processing

Includes:

• Credit Card & ACH
  Recurring Billing
  Reporting & Business Insights

Pay Simple Pros

• Versatile payment options: PaySimple offers businesses a wide range of payment options, including credit and debit cards, e-checks, and ACH transfers, which can help businesses attract more customers and improve cash flow.
• In-store solutions: PaySimple provides businesses with a range of in-store solutions, including a mobile card reader that can be used to accept payments in person, which can be particularly useful for small businesses or those with a mobile workforce.
• Robust reporting and analytics: PaySimple offers businesses detailed reporting and analytics tools, which can help businesses gain insights into their payment processes and improve their cash flow management.

Pay Simple Cons

• Limited integrations: PaySimple’s integration options are somewhat limited compared to other payment gateway software, which may make it challenging for businesses to integrate with their existing software tools.
• Pricing structure: PaySimple’s pricing structure can be complex and may not be suitable for all businesses, particularly those with lower transaction volumes.
• Customer service: Some users have reported issues with PaySimple’s customer service, including slow response times and difficulty reaching a representative when needed.

We Pay

WePay is a payment gateway software that provides businesses with a variety of payment processing solutions, including in-store solutions. WePay’s platform is designed to be easy to use and provides businesses with a range of features that can help them manage their payments, streamline their operations, and improve their cash flow.

WePay also offers businesses the ability to accept payments through bank transfers and electronic checks, giving customers more flexibility in how they pay. With WePay, businesses can easily integrate their payment processing with their existing software and systems, and benefit from features like fraud detection, chargeback protection, and 24/7 support.

We Pay Features

• Easy to use
• Multiple payment methods
• Customizable checkout
• Fraud protection
• Chargeback protection
• In-store solutions
• 24X7 Support

We Pay Pricing

The cost charged by payment gateway platforms varies from geography to geography & type of user- customer or merchant. You will find a brief overview of the pricing here.

-Accepting credit card payments through We Pay is affordable, with a cost of 2.9% plus 30 cents.

-The cost for processing ACH payments is also relatively low, at 1% plus 30 cents.

-Additionally, We Pay does not charge any setup fees or monthly fees.

We Pay Pros

• Easy to use: WePay’s platform is user-friendly, making it easy for businesses to set up and manage their payment processing.
• Multiple payment methods: WePay supports multiple payment methods, providing businesses with a range of options to accept payments.
• In-store solutions: WePay offers in-store solutions, including mobile card readers, to help businesses accept payments in person and on the go.

We Pay Cons

• Limited international availability: WePay is primarily focused on serving businesses in the United States and Canada, limiting its international availability.
• Limited integrations: WePay’s platform has limited integrations with third-party software, which may be a drawback for businesses that rely heavily on other software.
• Limited customization options: While WePay does offer some customization options for checkout pages, they are not as extensive as other payment gateway software options.

Helcim

Helcim is a payment gateway software that has been gaining popularity in the United States as an effective and reliable payment processing solution for businesses. Founded in 2006, Helcim offers a range of payment processing services, including in-store solutions, mobile payments, and online payments, making it a versatile option for businesses of all sizes. 

With a focus on transparency, security, and ease of use, Helcim is a payment gateway software that is worth considering for businesses looking to streamline their payment processing and improve their bottom line.

Helcim Features

• Transparent pricing
• In-store solutions
• Mobile payments
• Online payments
• Advanced security
• Integration options
• Excellent customer service

Helcim Pricing

The cost charged by payment gateway platforms varies from geography to geography & type of user- customer or merchant. You will find a brief overview of the pricing here.

-Helcim offers transparent and affordable pricing plans for businesses of all sizes. Their pricing plans include interchange plus pricing for credit card transactions and a monthly subscription fee for access to their payment gateway.

-The pricing plan for helium starts at $20 per month, with additional fees for additional features such as virtual terminal and recurring billing.

Overall, Helcim’s pricing plans offer competitive rates and are tailored to meet the needs of different types of businesses.

Helcim Pros

• Transparent pricing: Helcim offers transparent pricing with no hidden fees, which can be helpful for businesses looking to budget their payment processing costs.
• Advanced security: Helcim is designed with advanced security features to protect against fraud and keep sensitive data secure.
• Excellent customer service: Helcim is known for providing excellent customer service and support, with knowledgeable representatives available to assist with any questions or concerns.

Helcim Cons

• Limited availability: Helcim is currently only available in the United States and Canada, which could be a downside for businesses operating in other regions.
• Limited integrations: While Helcim does offer integration options, the selection is not as extensive as some other payment gateway software providers.
• Limited features: Helcim’s feature set may be limited compared to some other payment gateway software providers, which could be a drawback for businesses with more complex payment processing needs.

Merchant One

Merchant One is a payment gateway software that provides businesses in the US with a variety of payment processing solutions, including in-store solutions. Merchant One is designed to be easy to use, affordable, and customizable to meet the unique needs of businesses of all sizes. With a focus on providing personalized service and support, Merchant One is a popular choice for businesses looking for a payment gateway software that can help them streamline their payment processing and improve their overall customer experience.

Merchant One Features

• Comprehensive Payment Processing
• Customizable POS System
• Advanced Security
• Next-Day Funding
• Online Reporting
• 24/7 Customer Support
• Competitive Pricing

Merchant One Pricing

The cost charged by payment gateway platforms varies from geography to geography & type of user- customer or merchant. You will find a brief overview of the pricing here.

• Set Up Fee: $0.00
• Qualified Swiped Rate: 0.29% – 1.55%
• Qualified Keyed-in Rate: 0.29% – 1.99%
• Monthly Fee: $13.95

Merchant One  Pros

• Competitive pricing: Merchant One offers competitive rates for payment processing, making it a cost-effective option for businesses of all sizes.
• Advanced fraud detection: Merchant One uses advanced fraud detection technology to help protect businesses from fraudulent transactions.
• Comprehensive reporting: Merchant One offers detailed reporting and analytics tools to help businesses gain insights into their payment processing data.

Merchant One Cons

• Limited integration options: Merchant One has limited integration options compared to some other payment gateway software providers, which may make it less suitable for businesses that require more extensive integration capabilities.
• Customer support: Some users have reported issues with Merchant One’s customer support, particularly in terms of response times and resolution of issues.
• Contract terms: Merchant One has contract terms that may be less flexible than some other payment gateway providers, which may make it less suitable for businesses that require more flexibility in their payment processing arrangements.

Conclusion

In conclusion, payment gateways with in-store solutions have become a necessity for businesses in the USA in 2023. The 10 payment gateways discussed in this blog offer secure and reliable payment processing for merchants of all sizes.

With a range of features and competitive pricing, these payment gateways provide businesses with the tools they need to streamline their payment processes and enhance their customers’ payment experience. 

Whether you’re a small business or a large enterprise, choosing the right payment gateway can make all the difference in driving sales and growing your business. So take the time to evaluate your options and choose the best payment gateway that best meets your needs.

Read More

Top 10 Metatask Alternatives – Task Management Software (In-depth Guide – 2023)

10 Best Alternatives of Trello

Frequently Asked Questions (FAQs)