Market Guide
US Merchant Services
Understand card processing, merchant accounts, ACH, wallets, fees, disputes and settlement for businesses operating in the United States.
US payment landscape
US merchants commonly work with card acceptance and bank-payment methods such as ACH. Product availability and commercial models vary by provider, industry and business profile.
What to investigate
- Merchant account or aggregated PSP structure
- Card-present and card-not-present acceptance
- ACH and recurring bank-payment options
- Interchange, network and processor costs
- Chargebacks, fraud and authorization rates
- USD settlement and international expansion
Useful next steps
Start with Merchant Services 101, then model your payment costs with the calculator.