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What is the Best Payment Gateway for My SaaS or ISV?

Choosing the right payment gateway is a crucial decision for any SaaS (Software as a Service) business or ISV. This decision impacts your cash flow, user experience, and even your company’s reputation. With so many options available, it can be overwhelming to decide which payment gateway best suits your needs. Today, we’ll dive into why Usio is a top contender and why it might be the best payment gateway for your SaaS or ISV.

What to Look for in a Payment Gateway

Before delving into Usio, it’s essential to understand the key features and criteria you should consider when selecting a payment gateway for your SaaS/ISV:

  1. Reliability and Uptime: You need a service that ensures transactions are processed smoothly 24/7.
  2. Security: Protection against fraud and ensuring data privacy is paramount. Make sure you only work with PCI Level 1 Compliance.
  3. Ease of Integration: The gateway should integrate seamlessly with your existing systems and software with automated onboarding. Also, ensure the organization owns and operates its technology in-house. This eliminates downtime and passing blame to others.
  4. Cost-Effectiveness: Competitive pricing and transparent fee structures are crucial.
  5. Scalability: As your business grows, the gateway should handle increased transaction volumes effortlessly.
  6. Support for Multiple Payment Methods: Customers appreciate flexibility, whether they want to pay with credit cards, ACH, or other methods.
  7. Regulatory Compliance: Ensure the gateway complies with relevant regulations and standards.
  8. Excellent Customer & Deliver Support: Quick and effective support can save you time and prevent potential revenue loss.

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Why Usio?

Usio excels in all the critical areas listed above, making it a standout choice for SaaS and ISVs. Here’s a closer look at what sets Usio apart:

1. Robust Reliability and Uptime

Usio boasts an impressive track record for uptime and reliability. Their infrastructure is designed to ensure that payment processing is always available, minimizing the risk of downtime that could disrupt your business operations. Usio owns and operates its technology in-house. No passing blame to other third-party vendors. Usio is also named and recognized as the “Top Payment Processor & Technology” in 2024 by CIO Review and The Financial Technology Report

2. Top-Notch Security

Usio is PCI-DSS Level 1 compliant, the highest standard in the payment industry. This compliance ensures that your transactions are secure and that sensitive information is handled with the utmost care. Additionally, Usio offers advanced fraud detection and prevention tools, giving you peace of mind.

3. Seamless Integration

One of Usio strengths is its ease of integration. Whether you’re using a custom-built system or a popular SaaS platform, Usio provides robust APIs and plugins that simplify the integration process. This means you can start accepting payments quickly without significant development overhead. In addition, Usio is one of the few who offers developer support. That’s right!

4. No Cost with Revenue Share

Usio offers integration at no cost and no hidden fees to SaaS and ISVs. Usio is paid per payment transaction charged to the merchant. This transparency helps you better predict your costs and manage your budget effectively. In addition, Usio offers a generous revenue share program. To date, Usio partners are raking in more than $700k and Usio has paid out $millions of dollars to its payment partners.

5. Scalability

Scalability is a critical factor for any growing SaaS and ISV business, and Usio handles this with aplomb. Their platform is designed to manage high transaction volumes efficiently, ensuring that your payment processing remains smooth and uninterrupted as your user base expands.

6. Multiple Payment Methods

Usio supports a wide array of payment methods, including credit cards, debit, ACH, PINless debit, remotely created checks, print invoice/mail, card issuing and other popular payment options. This flexibility ensures that your customers can pay in the way that is most convenient for them, improving their overall experience.

7. Regulatory Compliance

Usio is well-versed in the regulatory landscape. They ensure full compliance with federal and state regulations, which is crucial for maintaining your business’s legal standing and avoiding potential penalties.

8. Outstanding Support

Usio customer support is known for its responsiveness and expertise. Whether you need assistance with integration, troubleshooting, or have questions about their services, Usio provides quick and effective support to keep your operations running smoothly.


Selecting the right payment gateway for your SaaS and ISV is a pivotal decision that will influence your business’s success. Usio stands out as a top contender for businesses operating within the United States due to its reliability, security, ease of integration, no cost, scalability, support for multiple payment methods, regulatory compliance, and excellent customer support. By choosing Usio, you ensure a seamless, profitable and secure payment processing experience that can adapt to your growing needs and enhance your customers’ satisfaction.

In the ever-competitive SaaS market, having a reliable and efficient payment gateway like Usio can give you the edge you need to thrive.

About Usio

Usio, trusted with billions of dollars in transactions, is a leading fintech payment solution. The Usio Platform delivers the most secure, simple and cost-effective integrated payment experience for our partners and their customers. Plus, Usio holds the unique distinction of being in business for more than 25 years and is just one of few who is Nacha Certified. Usio is also a PCI Level 1 processor ensuring the highest level of security available with developer and merchant support.

Learn more about Usio Integrated Payments Solutions at

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