United States Payment Gateways Market Size, Share, Industry Overview, Growth and Forecast 2025-2033

IMARC Group has recently released a new research study titled “United States Payment Gateways Market Report by Application (Large Enterprises, Micro and Small Enterprises, Mid-Size Enterprises), Mode of Interaction (Hosted Payment Gateways, Pro/Self-Hosted Payment Gateways, API/Non-Hosted Payment Gateways, Local Bank Integrates, Direct Payment Gateways, Platform-Based Payment Gateways), and Region 2025-2033”, offers a detailed analysis of the market drivers, segmentation, growth opportunities, trends and competitive landscape to understand the current and future market scenarios.

Market Overview

The United States payment gateways market size was valued at USD 5,843.5 Million in 2024 and is forecasted to reach USD 8,759.1 Million by 2033, exhibiting a CAGR of 4.37% during 2025-2033. Growth is driven by the rising adoption of digital payments, the expanding e-commerce sector, and increasing innovation among small and medium-sized enterprises. These factors are accelerating demand for flexible, secure, and integrated payment processing solutions across the country.

Study Assumption Years

• Base Year: 2024
• Historical Year/Period: 2019-2024
• Forecast Year/Period: 2025-2033

United States Payment Gateways Market Key Takeaways

• Current Market Size: USD 5,843.5 Million (2024)
• CAGR: 4.37% (2025-2033)
• Forecast Period: 2025-2033
• The market growth is fueled by increasing consumer preference for online shopping and mobile transactions, driving digital payment adoption.
• Integration of AI and machine learning technologies is enhancing fraud detection and risk management in payment gateways.
• Established companies like PayPal, Stripe, Dwolla, and Beacon Payments LLC lead the market through continuous R&D investments.
• Regulatory challenges persist due to evolving compliance requirements, but these are offset by rising e-commerce opportunities.
• Small and medium enterprises (SMEs) represent a significant growth opportunity, accounting for large shares of exporters and expanding digital payment solution usage.

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United States Payment Gateways Market Growth Factors

The United States payment gateways market is also rapidly growing, due to a rise in digital payment technologies. In 2023, the number of American consumers that used a digital wallet increased by 32% compared to the year before, compared to 5% and 8% for debit card transactions and bank mobile application usage. Around 40% of consumers would prefer to use the mobile app offered by the bank to make payments. Millennials and Generation Z are particularly enthusiastic, with around 80% choosing to make a payment via mobile a must-have, and thus companies are creating innovative and flexible solutions to meet the needs of both customers and businesses.

E-commerce sales increases contribute to next-generation payment gateway demand. The U.S. Census Bureau reports an estimated $289.2 Billion in retail e-commerce sales during the first quarter of 2024, an 8.6% increase from the first quarter of 2023 and a 2.1% increase past the fourth quarter of 2023. E-commerce accounted for 15.9% of total retail sales at this point. E-commerce payment gateways today must handle high transactions. They must integrate with multiple e-commerce platforms. They must offer scalability and security options.

In the US, the number of SMEs propels the payment gateways market, with these SMEs accounting for 32.6% of the total exports of the identified companies in the country. Small enterprises had a total export value of $413.3 Billion representing 97.3% of the exporters. These businesses are swiftly adopting online payments in order to grow their e-commerce and online presence. Payment gateways alleviate this process for equipping these companies with the necessary infrastructure to meet consumer demand for safe and convenient digital transactions, and thus help SMEs grow and reach a wider market.

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United States Payment Gateways Market Segmentation

Breakup by Application:

• Large Enterprises
• Micro and Small Enterprises
• Mid-Size Enterprises

Breakup by Mode of Interaction:

• Hosted Payment Gateways
• Pro/Self-Hosted Payment Gateways
• API/Non-Hosted Payment Gateways
• Local Bank Integrates
• Direct Payment Gateways
• Platform-Based Payment Gateways

Breakup by Region:

• Northeast
• Midwest
• South
• West

Regional Insights

The Northeast region is the dominant market for payment gateways in the United States, driven by fintech innovations and large financial institutions based in cities like New York and Boston. This region benefits from a dense population and high income levels, supporting a robust e-commerce sector. The demand for secure, efficient, and innovative payment gateway solutions is strong, positioning the Northeast as a leading hub for payment technology adoption in the U.S.

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Recent Developments & News

In April 2024, Dwolla launched new Open Banking Services to optimize Account-to-Account payments, offering pre-integration with leading providers and a unified API for easy implementation. Also in April 2024, Stripe partnered with URBN to handle online and in-store transactions for brands like Urban Outfitters and Anthropologie Group, aiming to improve checkout experience and authorization rates. Moreover, on 7 March 2024, PayPal announced that Tap to Pay on iPhone is now available for Venmo business profile and PayPal Zettle users, enabling contactless and digital wallet payments without extra hardware.

Key Players

• PayPal
• Stripe
• Dwolla
• Beacon Payments LLC

Customization Note:

If you require any specific information that is not covered currently within the scope of the report, we will provide the same as a part of the customization.

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IMARC Group is a global management consulting firm that helps the world’s most ambitious changemakers to create a lasting impact. The company provides a comprehensive suite of market entry and expansion services. IMARC offerings include thorough market assessment, feasibility studies, company incorporation assistance, factory setup support, regulatory approvals and licensing navigation, branding, marketing and sales strategies, competitive landscape and benchmarking analyses, pricing and cost research, and procurement research.

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