Authorize.net
Long-standing payment gateway that plugs into existing merchant accounts.
What is Authorize.net?
Authorize.Net is a payment gateway that lets merchants accept credit card and eCheck payments online, in person, and over the phone by connecting to their existing merchant account. A long-established Visa subsidiary, it is widely used by small and mid-sized US businesses.
Best known for: A long-running payment gateway that plugs into existing merchant accounts
Key features
- Credit card and eCheck processing
- Customer Information Manager tokenized vault
- Recurring and subscription billing
- Advanced Fraud Detection Suite
- Virtual terminal and invoicing
- Works with existing merchant accounts
Who Authorize.net is best for
- Businesses that already have (or want to keep) a separate merchant account
- Established SMBs wanting a stable, widely supported gateway
- Merchants needing recurring billing, invoicing, and fraud tools
Ideal team: Established small and mid-size merchants who want a reliable gateway with a fixed monthly fee rather than pure flat-rate pricing.
Authorize.net pricing
All-in-One
$25/flat / mo + per-txn fee
- Includes merchant account + gateway
- 2.9% + 30¢ per transaction
- Fraud tools, recurring billing, invoicing
Gateway Only
$25/flat / mo + per-txn fee
- For merchants with an existing account
- 10¢ per transaction + 10¢ daily batch fee
- Same gateway, fraud, and billing features
Costs to watch before you commit
- The $25/mo fee applies even in months with little or no processing volume.
- Gateway-only pricing excludes the interchange/processing your separate merchant account charges.
- eCheck/ACH acceptance is a separate add-on (0.75% per transaction).
- Some resellers bundle Authorize.net with markups above these direct rates.
Top Authorize.net alternatives
Popular Payments & POS tools teams evaluate alongside Authorize.net.
SquareAll-in-one POS, hardware, and payments for retail, food, and services.
Checkout.comEnterprise payment orchestration with interchange++ and multi-acquirer routing.
GoCardlessBank debit and ACH collection built for recurring and invoice payments.
Lemon SqueezyMerchant of record for digital products, SaaS, and subscriptions.
SumUpLow-cost mobile card readers and payments for micro and small businesses.