Authorize.Net offers online payment solutions that enable users to accept credit cards, E-checks, and contactless payments. Its features include recurring billing, advanced fraud detection, international transactions, a one-time payment button, and a developers center. Costs start at a monthly gateway fee of $25, plus 10¢ per transaction, and it’s best for users who already have their own merchant accounts.
Authorize.Net Pros and Cons
Easy to implement and use
Has a monthly gateway fee
Accepts a large variety of payments
Reporting solutions are lacking
Inconsistent reseller quality
Who Authorize.Net is Best For
- Those who need a payment gateway to work with their existing merchant accounts: Authorize.Net has options for you, whether or not you have a merchant account. However, if you do have an account, then you may save on total costs since the per transaction fee in the Payment Gateway Only plan is a lot lower.
Authorize.Net offers three pricing options that start with a monthly gateway fee of $25, plus 10¢ per transaction. The main difference between the plans is the target user.
All-in-One (For those who don’t have merchant accounts)
$25 per month
2.9% + 30¢ per transaction
Payment Gateway Only (For those who have merchant accounts)
$25 per month
10¢ per transaction
+ 10¢ daily batch fee**
*From time to time, Authorize.Net offers discounted pricing. Interested users may check its website to see if there’s an offer today.
**This is the fee assessed per settled credit card transaction batch.
All plans include simple checkout, fraud prevention, customer information manager, recurring payments, and invoicing.
Authorize.Net can set up an account and payment gateway for users who need to get paid but are not yet equipped with a merchant account.
Payment Gateway Only
You will need an existing merchant account (at an extra cost and may come with additional transaction fees) to be able to connect to the Authorize.Net platform.
This tier is for you if you: 1) process more than $500,000 per year; and/or 2) need custom pricing, data mitigation assistance, interchange plus options, and nonprofit solutions.
If you wish to accept E-check payments, then there’s a per transaction fee of 0.75% (minimum of $10 per month) on top of a separate monthly gateway fee of $25. Please note that these fees are subject to a $25 chargeback and a $3 fee for every returned item.
Authorize.Net Alternatives 2020
It offers solutions that may help business owners accept credit card payments online, offer refunds, manage customer data, and more. Let’s take a look at some of Authorize.Net’s features below.
Advanced fraud detection: Authorize.Net offers an Advanced Fraud Detection Suite that consists of 13 configurable fraud filters for identifying, managing, and preventing fraudulent transactions. These filters include velocity, IP, transaction, and shipping filters.
Buy Now button: This enables you to provide a simple checkout process, whether it’s for purchases or for donations. You may customize your settings or copy the automatically generated HTML code and paste it onto your website.
Invoicing: With this, you may invoice customers via email, customize emails, access a centralized invoicing dashboard, and receive automatic email reminders for unpaid or overdue invoices.
Recurring payments: You can accept and submit recurring or installment payments with Automated Recurring Billing (ARB), which can help if your business is subscription-based or if you have a lot of repeat customers. You may also add the Account Updater tool (for an additional undeclared cost), to keep all card information up-to-date.
Developers Center: Get access to developer guides and forums, the community feed, a list of response (error) codes, a testing guide, and an upgrade guide.
Data security: You can manage customer profiles and issue transactions with the help of Authorize.Net’s Customer Information Manager (CIM). Your customers’ sensitive payment information is stored on secure servers, which simplifies payment card industry (PCI) compliance.
Most Helpful Authorize.Net Reviews
Those who left positive Authorize.Net reviews appreciate how easy it is to set up and how effective it is for processing credit card payments. However, some reviewers feel that its user interface (UI) could use an upgrade. The monthly gateway fee is also mentioned in a bunch of negative reviews, as it is not a common thing among payment gateway providers.
Effective payment processing tools
“Hands down, Authorize.Net is the easiest way to accept payments on the web. My company uses it for dozens of clients who don’t sell on the web but accept payments for client services.”
—Rabbi Jason Miller
UI is dated; monthly gateway fee can be a hassle
“Authorize.Net’s overall UI is very dated and difficult to navigate. Its terminology is hard to understand and has been so challenging for our customers to use compared to other gateways like Stripe. Authorize also charges an activation fee and a monthly gateway access fee, which other tools, like Stripe, do not charge.”
Authorize.Net Frequently Asked Questions (FAQs)
Which third-party applications can Authorize.Net integrate with?
It can integrate with Fattmerchant, Payment Depot, Shopify, WooCommerce, BigCommerce, and other third-party ecommerce solutions.
What payment types can I accept?
Authorize.Net enables you to take payments from all major credit cards (Visa, Mastercard, Discover, American Express, and JCB), as well as via Apple Pay, Chase Pay, Visa Checkout, and E-check.
Does Authorize.Net accept international payment transactions?
Yes, it accepts payment transactions from customers worldwide. However, your business must be based in the United States, Canada, United Kingdom, Europe, or Australia.
Our Top Payment Gateway Picks
If you aren’t sure if Authorize.Net is right for you, then this article on the best payment gateways is a review of our top choices. Our team looked at a variety of solutions and narrowed our recommendations down based on the fees, security, ease of use and set up, sales channel served, and features among others.