Businesses in the United States and Canada have hundreds of payment processing providers to choose from, including merchant account providers, acquiring banks, payment facilitators, ISOs, and payment platforms. This directory provides a broad list of payment processors serving businesses across North America, along with links to our more detailed comparison guides for businesses actively choosing a provider.
Payment processors can operate as acquiring banks, independent sales organizations (ISOs), payment facilitators (PayFacs), gateways, or merchant service providers. The structure matters less than whether the provider fits your business, pricing needs, payment channels, and geographic requirements.
Some processors operate only in the United States or Canada, while others serve businesses in both countries. The lists below include providers offering services such as credit card processing, merchant accounts, payment gateways, point-of-sale systems, and other merchant services.
Processors in USA
You can also review the list of the best payment processors in the USA.
- 2Checkout (Verifone)
- Adyen
- AffiniPay
- Amazon Pay
- Authorize.net
- BlueSnap
- Braintree
- CardConnect
- Charge.com
- Chase Payment Solutions
- Checkout.com
- Citi Merchant Services
- Clearly Payments
- Clover
- Cybersource
- Dharma Merchant Services
- Dwolla
- EBizCharge
- Electronic Payment Systems (EPS)
- Elavon
- Finix
- Fiserv
- Flagship Merchant Services
- Forte Payment Systems
- Global Payments
- GoCardless
- Gravity Payments
- Heartland
- Helcim
- Intuit QuickBooks Payments
- iTransact
- Lightspeed Payments
- Mastercard Payment Gateway Services
- Merchant e-Solutions
- Merchant One
- National Processing
- NMI
- North American Bancard (NAB)
- Nuvei
- OrbitalPay
- Pago
- PayJunction
- Payline Data
- PaymentCloud
- PayPal
- PayProTec
- Paysafe
- PaySimple
- Paystand
- PayU
- Payzer
- Paystri
- Priority Payment Systems
- RedFynn
- Samsara Payment Solutions
- Shift4
- Shopify Payments
- Skrill
- SpotOn
- Square
- Stax
- Stripe
- Toast
- TransNational Payments
- U.S. Bank Payment Services
- USAePay
- Verifone
- Worldpay
- Zoho Payments
Processors in Canada
You can also review the list of the best payment processors in Canada.
- 2Checkout (Verifone)
- Adyen
- Allied Wallet
- Authorize.net
- BitPay
- BlueSnap
- CardConnect
- Chase Payment Solutions
- Checkout.com
- CIBC Merchant Services
- Clearly Payments
- Clover
- Cybersource
- EBizCharge
- Elavon
- Fiserv
- Global Payments
- GoCardless
- Heartland
- Helcim
- Ingenico
- Intuit QuickBooks Payments
- Lightspeed Payments
- Mastercard Payment Gateway Services
- Merchant Accounts.ca
- Merchant e-Solutions
- Moneris
- Moolah
- NMI
- Nuvei
- OmniPay
- OrbitalPay
- PayPal
- Paysafe
- PaySimple
- Paystand
- Shift4
- Shopify Payments
- Skrill
- Square
- Stripe
- TD Merchant Solutions
- TouchBistro Payments
- USAePay by NMI
- Verifone
- Worldline
- Worldpay
What makes a good payment processor
Choosing the right payment processor depends on your business model, payment channels, transaction volume, and where your customers are located. When comparing providers, focus on a few core factors:
Transparent pricing
Look for clear transaction fees, monthly costs, contract terms, and pricing models such as interchange-plus. Avoid providers that make it difficult to understand the true cost of processing.
Payment methods and channels
Make sure the provider supports the ways your customers want to pay, including credit cards, debit cards, contactless payments, mobile wallets, online payments, recurring billing, and in-person transactions.
Security and PCI compliance
A reputable processor should support secure payment technology, encryption, tokenization, fraud prevention, and PCI DSS compliance.
Integrations and technology
Consider whether the processor works with your existing POS system, eCommerce platform, accounting software, ERP, or other business systems.
Reliability and support
Payment processing is mission-critical. Look for reliable infrastructure, responsive support, and clear processes for resolving technical or funding issues.
Scalability
Choose a provider that can support your business as transaction volume, locations, payment channels, or international requirements grow.
Funding and settlement times
Understand when processed funds are deposited into your bank account and whether faster funding options are available.
Reputation and experience
Review the provider’s track record, industries served, support model, and experience with businesses similar to yours.
There is no single payment processor that is best for every business. The right choice depends on your priorities around pricing, technology, support, payment methods, and growth plans.
