Best SaaS Payment Gateways for US Agencies in 2025

Why Choosing the Right Payment Gateway Matters for US Agencies

In 2025, US agencies running SaaS businesses or providing SaaS solutions need reliable, secure, and flexible payment gateways to handle subscription billing smoothly. Payment gateways are the backbone of any online business, enabling fast, safe, and convenient transactions worldwide. For agencies, the right payment gateway supports multiple billing models, currencies, and payment methods, while providing top-notch fraud protection and seamless integration with your tech stack.

I’m Riten, founder of Fueler - a skills-first portfolio platform that connects talented individuals with companies through assignments, portfolios, and projects not just resumes/CVs. Think Dribbble/Behance for work samples + AngelList for hiring infrastructure

1. Stripe – The Developer’s Favorite for Flexibility

Stripe remains the leading choice for SaaS businesses due to its powerful APIs, global payment support, and easy subscription management. It supports over 135 currencies and numerous payment methods, allowing US agencies to bill clients worldwide with confidence.

• Fully programmable APIs let you customize payment flows, checkout pages, and fraud prevention.
• Supports recurring billing and subscription upgrades/downgrades with automatic invoicing.
• Advanced features include machine learning fraud detection, authorization optimization, and invoicing.
• Integrates with over 600 business tools such as Shopify, Salesforce, Zuora, and Chargebee.
• Mobile-friendly, allowing payments from any device securely with PCI DSS compliance.

Pricing (accurate for 2025):

• 2.9% + $0.30 per successful card charge.
• No setup or monthly fees.
• Custom pricing available for high volume or enterprise.

Why it matters: Stripe’s flexibility and comprehensive ecosystem make it ideal for US agencies needing robust payment functionality with growth-ready scalability.

2. Braintree – Payment Gateway with PayPal Power

Owned by PayPal, Braintree is a favorite among SaaS agencies requiring an all-in-one solution supporting credit cards, PayPal, Venmo, and digital wallets. Its global reach and deep subscription management capabilities simplify complex billing scenarios.

• One integration covers multiple payment types including ACH, Apple Pay, and Google Pay.
• Built-in recurring billing system and easy-to-manage subscriptions.
• Real-time fraud protection and risk management powered by PayPal’s safety network.
• Seamless migration path for existing PayPal merchants to expand with Braintree.
• Supports multi-currency processing, making it easy to bill international clients.

Pricing (accurate for 2025):

• 2.59% + $0.49 per transaction for cards and wallets.
• ACH payments: 0.75% fee.
• Venmo payments: 3.49% + $0.49 per transaction.

Why it matters: Braintree’s combination of PayPal ecosystem integration and developer-friendly features make it an attractive choice for agencies targeting diverse US and global markets.

3. Authorize.Net – Trusted and Established SaaS Gateway

Authorize.Net is a well-established gateway preferred by agencies who value reliability and extensive payment options. Trusted by many US businesses, it supports multiple payment methods and offers advanced fraud detection, with straightforward subscription management.

• Supports major credit cards, eChecks, digital payments including Apple Pay and PayPal.
• Robust recurring billing and automated payment reminders to reduce late payments.
• PCI compliant with advanced fraud detection tools and transaction monitoring.
• Branded payment pages and payment links increase customer trust and ease of payment.
• Simple integration options with REST APIs and client-side tokenization libraries.

Pricing (accurate for 2025):

• $25 monthly gateway fee.
• 2.9% + 30¢ per transaction.
• $0.10 batch fee charged daily.

Why it matters: Authorize.Net’s experience, feature set, and security make it ideal for agencies focused on reliable, trusted payment processing.

4. Paddle – Full-Stack Payment and Subscription Management

Paddle focuses specifically on SaaS businesses with a full-stack solution including payment gateway, subscription billing, tax compliance, and fraud protection—ideal for agencies wanting an all-in-one option without multiple integrations.

• Covers global payment methods across 200+ countries and supports 25 currencies.
• Simplifies tax and compliance management by handling VAT and sales tax calculations automatically.
• Flexible pricing models, including usage-based and tiered subscriptions.
• Customizable checkout experiences and in-app purchase APIs.
• Built-in fraud detection with automated risk scoring to protect revenue.

Pricing (accurate for 2025):

• 5% + 50¢ per successful transaction.
• No setup fees or monthly charges.

Why it matters: Paddle removes complexity around international payments and tax compliance, freeing agencies to focus on growth.

5. Square – Easy-to-Use with Subscription Billing

Square is renowned for its user-friendly interfaces and integrated business solutions. Though popular with retail, it’s expanding features suitable for SaaS agencies including subscriptions and digital payments.

• Simple dashboard for managing payments, subscriptions, and invoices.
• Supports recurring billing, customer payment profiles, and dunning management.
• Free point-of-sale apps included with payment processing.
• Strong fraud prevention and PCI compliance.
• Integrates well with popular CRM and accounting software.

Pricing (accurate for 2025):

• 2.6% + 10¢ per transaction for in-person payments.
• 2.9% + 30¢ per online transaction.
• No monthly fees for basic plans.

Why it matters: Square’s simplicity and transparent pricing suit small to medium-sized US agencies new to SaaS payments.

Final Thoughts

Selecting the best SaaS payment gateway is critical for US agencies aiming to deliver seamless, secure, and scalable subscription experiences. Tools like Stripe and Braintree offer unmatched flexibility and global support, Authorize.Net provides trusted reliability, while Paddle simplifies SaaS billing and tax complexities. Square’s ease of use appeals to smaller and growing agencies. Combining these gateways with smart portfolio presentations on platforms like Fueler helps agencies showcase their payment success stories and build client trust quickly.

FAQs

1. Which is the best payment gateway for US SaaS agencies in 2025?

Stripe and Braintree are top choices for flexibility and global reach, while Paddle excels in full-stack SaaS billing.

2. How much does Stripe charge per transaction?

Stripe charges 2.9% + $0.30 per successful card charge with no monthly fees.

3. Can Paddle handle international SaaS payments?

Yes, Paddle supports payments in 200+ countries and automates VAT and sales tax compliance.

4. What features should a SaaS payment gateway have?

Look for subscription billing, fraud protection, multi-currency support, easy API integration, and compliance features.

5. How does Fueler help SaaS agencies?

Fueler lets agencies create portfolios showcasing their SaaS implementations and payment workflows to attract clients.