US Dollar (USD)
Published processing fees and market availability for the US Dollar (USD) across 43 gateways, bank acquirers, and payment rails serving United States, Ecuador, El Salvador, Panama, Puerto Rico, British Virgin Islands, Turks & Caicos Islands, Caribbean Netherlands, Timor-Leste. Always confirm current rates on the provider's official pricing page.
Regional context & bank acquiring rules: North America payments guide · All North America currencies
Who serves this currency
All 43 gateways, bank acquirers and wallets serving USD markets, including providers with published USD fee schedules (16) and custom/quote-only processors (27).
Card gateways & processors
| Provider & market notes | Fee schedule |
|---|---|
| StripeUS online transactions; +1.5% international cards, +1% currency conversion. | Published fees |
| SquareOnline transactions. Free-plan rate rose to 3.3% + $0.30 in Jan 2026. In-person: 2.6% + $0.10. | Published fees |
| AdyenEnterprise processor (Uber, Spotify, eBay). Interchange++ from roughly 0.6% + fixed per transaction plus scheme fees, custom contract pricing only. | Worldwide |
| Checkout.comEnterprise processor strong in EMEA/LatAm; interchange++ blended rates negotiated per merchant. | Worldwide |
| BraintreePayPal-owned gateway; US cards & digital wallets 2.59% + $0.49. | Published fees |
| NuveiMontreal-based global processor supporting 680+ local payment methods across North America, Europe, LatAm and APAC. Custom interchange-plus pricing. | Serves this market |
| Mercado PagoRegional availability, ask for a quote. | Serves this market |
| TilopayStandard regional rate (+ local tax on fee); settles to local bank accounts in 25+ countries. | Published fees |
| PagaditoStandard regional rate across Central America & Dominican Republic (+ local tax). | Published fees |
| PixelPay (BAC)Regional availability, ask for a quote. | Serves this market |
| PagueloFacilPanama USD checkout. | Published fees |
| WiPayUSD processing for all other countries. GCT in Jamaica or tax elsewhere: 15% of the processing fee percentage. | Published fees |
| PowertranzBermuda-based payment gateway serving acquiring banks and merchants across the Caribbean & Central America. Custom bank-linked pricing, typically 3–5%. | Serves this market |
| DimePayVisa/Mastercard 3.5% + $0.10; some card types 3.7% + $0.29. No setup or monthly fees. | Published fees |
| FygaroMonthly plans from free trial; local-bank gateway ~$0.25/txn, processing % confirmed during onboarding. | Custom pricing |
| CXPayDutch Caribbean & regional USD gateway processing. | Published fees |
| KushkiRegional LatAm paytech & direct acquirer founded in Ecuador. Custom enterprise and mid-market pricing across cards, cash vouchers and instant transfers. | Serves this market |
| Wompi (Bancolombia)Wompi El Salvador (Banco Agrícola) online checkout (+13% IVA). | Published fees |
| dLocalNegotiated per merchant, contact sales. | Custom pricing |
| EBANXCustom pricing, contact sales. | Custom pricing |
| SumUpRegional availability, ask for a quote. | Serves this market |
| Rapyd (Valitor)Regional availability, ask for a quote. | Serves this market |
| 2Checkout (Verifone)2Sell standard plan. | Published fees |
| AirwallexRegional availability, ask for a quote. | Serves this market |
| HitPayRegional availability, ask for a quote. | Serves this market |
| Windcave (Payment Express)Regional availability, ask for a quote. | Serves this market |
| HelcimInterchange-plus: online = interchange + 0.5% + $0.25; ACH 0.5% + 25¢ capped at $6, typically ~2.4–2.9% all-in. | Custom pricing |
| NCB Jamaica (eCommerce & TFOB)Direct USD settlement for Jamaican tourism & export merchants. | Custom pricing |
| Republic Bank (e-Commerce & EndCash)Largest indigenous Caribbean banking group. Provides direct Visa/Mastercard e-commerce acquiring across Trinidad, Barbados, Guyana, Suriname and the OECS (~2.5%–3.5% custom MDR + monthly fee), plus the EndCash digital wallet in Trinidad. | Serves this market |
| CIBC Caribbean Merchant ServicesPan-Caribbean bank acquirer across 15+ islands and the official banking partner behind Fygaro's instant merchant onboarding. Direct bank merchant accounts run ~2.5%–4% + monthly gateway fee. | Serves this market |
| Scotiabank Caribbean (Scotia eCom+)Scotia eCom+ pairs a Scotiabank business merchant account (MID) with Visa Cybersource or Powertranz for online checkout. Custom MDR (~2.5%–3.75%) plus US$35–$75/mo gateway fee. | Serves this market |
| MCB Group (Maduro & Curiel's / CMB / WIB)Dominant banking group across Curaçao (MCB), Aruba (CMB), Sint Maarten (WIB) and Bonaire. Provides direct e-commerce acquiring (via CXPay/Powertranz) and Sentoo instant bank payments. | Serves this market |
| BAC Credomatic (Compra Click & e-Commerce)Central America's largest bank acquirer. Offers Compra Click (no-code payment links) and direct e-commerce API across all 6 Central American nations (also owns PixelPay). | Serves this market |
| Placetopay (Evertec)Evertec's regional payment gateway powering bank e-commerce checkout across Colombia, Ecuador (Datafast/Medianet), Chile (Getnet), Uruguay and the Caribbean (RBC EZPay). | Serves this market |
| Paynow ZimbabwePaynow Zimbabwe USD Visa/Mastercard & EcoCash USD checkout. | Published fees |
Wallets & other payment rails
| Provider & market notes | Fee schedule |
|---|---|
| PayPalPayPal Checkout, US commercial rate. | Published fees |
| GoCardlessACH bank debit, not card payments. | Published fees |
| Amber PayAdvertised 0.5% per transaction; card pricing may differ, confirm with them. | Custom pricing |
| SentooInstant account-to-account (A2A) online bank payment rail across Aruba, Curaçao, Sint Maarten and Bonaire (MCB, Banco di Caribe, Aruba Bank, CMB, Orco Bank). Flat per-transaction fee much lower than cards. | Serves this market |
| Venmo (business profiles)Business profiles commonly listed at 1.9% + $0.10 per transaction; verify the current schedule. | Custom pricing |
| Yappy Comercial (Banco General)Yappy Comercial instant checkout in Panama (1% + ITBMS). | Published fees |
| ATH Móvil Business (Evertec)Puerto Rico's ubiquitous instant bank-to-business wallet & e-commerce button (flat 2.25%). | Published fees |
| Payoneer Profile →Receiving: 1% ACH from US payers; 3% card requests; withdrawals from $1.50. See our Payoneer profile. | Custom pricing |
Compare gateways for an amount
This comparison only shows fees we can publicly verify (16 of 43 providers serving USD). Processors and bank acquirers that quote custom or merchant-specific rates are listed under Who serves this currency above.
Enter an amount to compare verified USD rates.
Disclaimer: Comparisons only include publicly verifiable standard rates as of November 6, 2026 and exclude custom-quoted gateways, bank MIDs, monthly plan fees and local taxes unless noted. See all 43 providers serving USD.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (27 additional providers serve USD with custom or quote-only pricing—see all 43 providers above). We never invent figures for custom-quoted processors or bank acquirers. Figures are for comparison only; always confirm your exact rate on the provider's site.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| StripeUS online transactions; +1.5% international cards, +1% currency conversion. | 2.9%+1.5% international cards | $0.30 | n/a | +1.5% |
| SquareOnline transactions. Free-plan rate rose to 3.3% + $0.30 in Jan 2026. In-person: 2.6% + $0.10. | 2.9%+1% international cards | $0.30 | n/a | +1% |
| BraintreePayPal-owned gateway; US cards & digital wallets 2.59% + $0.49. | 2.59%+1% international cards | $0.49 | n/a | +1% |
| TilopayStandard regional rate (+ local tax on fee); settles to local bank accounts in 25+ countries. | 3.95% | $0.35 | n/a | Same rate |
| PagaditoStandard regional rate across Central America & Dominican Republic (+ local tax). | 4.9% | $0.35 | n/a | Same rate |
| PagueloFacilPanama USD checkout. | 3.95% | $0.35 | n/a | Same rate |
| WiPayUSD processing for all other countries. GCT in Jamaica or tax elsewhere: 15% of the processing fee percentage. | 5% | $0.30 | n/a | Same rate |
| DimePayVisa/Mastercard 3.5% + $0.10; some card types 3.7% + $0.29. No setup or monthly fees. | 3.5%+0.2% international cards | $0.10 | n/a | +0.2% |
| CXPayDutch Caribbean & regional USD gateway processing. | 3.75% | $0.25 | n/a | Same rate |
| Wompi (Bancolombia)Wompi El Salvador (Banco Agrícola) online checkout (+13% IVA). | 3.25% | $0.25 | n/a | Same rate |
| 2Checkout (Verifone)2Sell standard plan. | 3.5%+2% international cards | $0.35 | n/a | +2% |
| Paynow ZimbabwePaynow Zimbabwe USD Visa/Mastercard & EcoCash USD checkout. | 3.5% | $0.20 | n/a | Same rate |
Compare two USD card gateways side by side
Wallets & other payment rails (published rates)
Publicly verifiable merchant rates for mobile money, digital wallets and account-to-account rails in USD.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| PayPalPayPal Checkout, US commercial rate. | 3.49%+1.5% international cards | $0.49 | n/a | +1.5% |
| GoCardlessACH bank debit, not card payments. | 1% | $0.25 | $10.00 | Same rate |
| Yappy Comercial (Banco General)Yappy Comercial instant checkout in Panama (1% + ITBMS). | 1% | $0.00 | n/a | Same rate |
| ATH Móvil Business (Evertec)Puerto Rico's ubiquitous instant bank-to-business wallet & e-commerce button (flat 2.25%). | 2.25% | $0.00 | n/a | Same rate |
Monthly, plan & setup fees (USD)
28 of 43 offer $0/mo base plans
Separate from per-transaction fees: Monthly account fees, optional paid plan upgrades, bank Merchant ID (MID) gateway maintenance, and one-time setup fees are charged separately from per-transaction processing rates (
% + fixed fee) and are not included in calculator estimates above. Always verify current plan tiers on the provider's official pricing page.
Card gateways & bank acquirers — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| StripeStandard pay-as-you-go; Stripe Billing / Radar / custom packages optional | No monthly fee | $0/mo | $0 |
| SquareSquare Plus: US$29/mo (locks in 2.9% + $0.30 online in US vs 3.3% + $0.30 on Free plan) | $0/mo + tiers | $0/mo (Free plan) | $0 |
| AdyenNo fixed monthly fee, but enterprise minimum monthly invoice typically applies | Bank MID / custom | $0/mo (min. volume applies) | $0 |
| Checkout.comNegotiated interchange++ schedule for high-volume merchants | Bank MID / custom | Custom enterprise contract | Custom |
| BraintreeStandard pay-as-you-go merchant account; custom enterprise pricing at scale | No monthly fee | $0/mo | $0 |
| NuveiVaries by region & acquiring package | Bank MID / custom | Custom / quote | Custom |
| Mercado PagoPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| TilopayDirect bank MID gateway connection plan: ~US$25–$45/mo | $0/mo + tiers | $0/mo (Aggregated PayFac) | $0 (aggregated) |
| PagaditoNo monthly maintenance fee on standard regional PayFac account | No monthly fee | $0/mo | $0 (promo) / US$99 |
| PixelPay (BAC)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| PagueloFacilPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| WiPayPaid / Verified plan: US$50/mo (lowers rate to 3% + US$0.25 in TT; 3.8% in JM/BB/GD/GY) | $0/mo + tiers | $0/mo (Free / Starter) | $0 |
| PowertranzPowertranz gateway fee billed alongside your acquiring bank MID | Bank MID / custom | ~US$50–$100/mo | ~US$150–$250 |
| DimePayPay-as-you-go on standard merchant checkout & payment links | No monthly fee | $0/mo | $0 |
| FygaroeCommerce, invoicing & payment-link plans (US$15–$50/mo); also connects to bank MIDs | $0/mo + tiers | From US$15/mo | $0 (aggregator) |
| CXPayDirect bank MID gateway plan via Placetopay: ~US$35–$50/mo | $0/mo + tiers | $0/mo (Aggregated) | $0–US$150 |
| KushkiRegional LatAm enterprise acquiring & aggregator contract | Bank MID / custom | Custom enterprise contract | Custom |
| Wompi (Bancolombia)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| dLocalCross-border & local LatAm/emerging market enterprise contract; min. volume applies | Bank MID / custom | Custom enterprise contract | Custom |
| EBANXEnterprise cross-border & local rail processing contract | Bank MID / custom | Custom enterprise contract | Custom |
| SumUpPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| Rapyd (Valitor)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| 2Checkout (Verifone)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| AirwallexPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| HitPayPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| Windcave (Payment Express)Starter e-commerce gateway plan (includes base monthly volume allowance) | Monthly plan | ~A$35 / NZ$35/mo | $0 |
| HelcimNo monthly fee, no contract; automatic volume discounts on interchange-plus | No monthly fee | $0/mo | $0 |
| NCB Jamaica (eCommerce & TFOB)NCB e-Commerce Cybersource MID has monthly gateway fee; NCB TFOB link has low/no monthly fee | Bank MID / custom | ~US$35–$50/mo (eCom MID) | Bank underwriting |
| Republic Bank (e-Commerce & EndCash)Direct Cybersource / Powertranz gateway MID maintenance; EndCash wallet QR has $0 monthly fee | Bank MID / custom | ~US$40–$65/mo (eCom MID) | Bank underwriting |
| CIBC Caribbean Merchant ServicesDirect bank e-Commerce MID (Cybersource / Powertranz) or Fygaro bundle | Bank MID / custom | ~US$40–$75/mo | Bank underwriting |
| Scotiabank Caribbean (Scotia eCom+)Scotia eCom+ (Visa Cybersource) monthly gateway & merchant account maintenance | Bank MID / custom | ~US$45–$85/mo | ~US$100–$200 |
| MCB Group (Maduro & Curiel's / CMB / WIB)MCB / Aruba Bank / CMB / WIB e-Commerce gateway + MID maintenance | Bank MID / custom | ~US$35–$65/mo | Bank underwriting |
| BAC Credomatic (Compra Click & e-Commerce)Compra Click links often $0/mo; full e-commerce API gateway ~US$25–$45/mo | $0/mo + tiers | $0–US$35/mo | $0–US$100 |
| Placetopay (Evertec)Evertec gateway platform fee (often bundled by acquiring bank) | Bank MID / custom | ~US$30–$60/mo | Varies by bank |
| Paynow ZimbabwePay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
Wallets & other payment rails — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| PayPalStandard Checkout $0/mo; Advanced / Pro virtual terminal ~$30/mo in US/CA/UK | $0/mo + tiers | $0/mo | $0 |
| GoCardlessAdvanced / Pro plans (£50–£200/mo) add custom branding & automated retry logic | $0/mo + tiers | $0 / £0 / €0/mo (Standard) | $0 |
| Amber PayContact Amber Pay for merchant plan & POS/gateway terms | Bank MID / custom | Custom / quote | Confirmed at onboarding |
| SentooNo monthly subscription fee on standard merchant wallet / QR / A2A acceptance | No monthly fee | $0/mo | $0 |
| Venmo (business profiles)No monthly subscription fee on standard merchant wallet / QR / A2A acceptance | No monthly fee | $0/mo | $0 |
| Yappy Comercial (Banco General)No monthly subscription fee on standard merchant wallet / QR / A2A acceptance | No monthly fee | $0/mo | $0 |
| ATH Móvil Business (Evertec)No monthly subscription fee on standard merchant wallet / QR / A2A acceptance | No monthly fee | $0/mo | $0 |
| Payoneer Profile →Free to hold and receive; $29.95 annual fee applies to inactive accounts in some countries | $0/mo + tiers | $0/mo | $0 |
US Dollar (USD) payment gateway FAQs
Which payment gateways and processors serve United States, Ecuador, El Salvador and 6 more (USD)?
Sympli5 tracks 43 payment gateways, bank acquirers, and payment rails serving United States, Ecuador, El Salvador, Panama, Puerto Rico, British Virgin Islands, Turks & Caicos Islands, Caribbean Netherlands, Timor-Leste (US Dollar, USD), including Stripe, PayPal, Square, Adyen, Checkout.com, Braintree and 37 others. Of these, 16 publish verifiable standard USD per-transaction schedules and 27 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in US Dollar (USD)?
Among the 16 providers with publicly verified USD schedules, the lowest headline variable rate starts at 1% + $0.00 via Yappy Comercial (Banco General). Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive USD calculator on this page to compare exact net payouts.
Do USD payment gateways charge monthly or setup fees?
Of the 43 providers serving USD markets, 28 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 15 providers either require a monthly gateway plan or operate through a bank Merchant ID (MID) with bank-quoted monthly maintenance and setup fees. Monthly and setup costs are charged separately from per-transaction processing rates.
What does the international card surcharge mean for USD transactions?
An international (foreign-issued) card fee applies when a customer pays your business in USD using a Visa, Mastercard, or Amex issued by a bank outside your local merchant country—such as a foreign tourist or overseas buyer. In USD, providers like Stripe (+1.5%), PayPal (+1.5%), Square (+1%) add an explicit cross-border card surcharge on top of their domestic rate.