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Authorize.net Payment Gateway

Established payment gateway for SMB and mid-market. Accept cards, echecks, and digital payments with robust fraud detection and merchant account flexibility.

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Target Market

Authorize.net serves SMBs, mid-market, and businesses needing gateway flexibility with their own merchant account.

SMB & Ecommerce

Ideal for online stores wanting a proven gateway with broad platform support and flexible merchant account options.

Merchant Account Holders

Use your existing merchant account. Authorize.net is a gateway, not a processor—choose your own acquiring bank.

Fraud-Conscious Merchants

Advanced Fraud Detection Suite (AFDS), Customer Information Manager (CIM) for stored cards, and eCheck support.

Ideal Business & Use Cases

Authorize.net excels in gateway flexibility, eCheck, and platform integrations.

Card & eCheck

Accept credit/debit cards and ACH eCheck. CIM stores payment methods for recurring or one-click.

  • Cards, eCheck, digital wallets
  • Customer Information Manager (CIM)
  • Accept.js for PCI-friendly integration

Fraud Detection

Advanced Fraud Detection Suite with customizable rules, AVS, CVV, and velocity checks.

  • AFDS with rule-based filters
  • Transaction scoring and filters
  • Optional chargeback protection

Platform Integrations

Wide support across ecommerce platforms, carts, and custom integrations.

  • WooCommerce, Shopify, Magento, BigCommerce
  • REST API, Accept.js, AIM
  • Recurring billing, invoicing

Invoicing & B2B

Send invoices, accept B2B payments, and manage customer payment profiles.

  • Invoice creation and automation
  • eCheck for lower fees on large orders
  • Payment forms and hosted pages

Pros & Cons vs. Similar Platforms

How Authorize.net compares to other payment processors.

Advantages

  • vs. Stripe:

    Gateway model: use your own merchant account. eCheck support. Long track record. Broad platform support.

  • vs. All-in-one:

    Flexibility to shop for best interchange rates. AFDS fraud tools. CIM for stored cards.

Disadvantages

  • vs. Stripe:

    Monthly gateway fee ($25). Legacy API design. Less developer-friendly. No built-in subscriptions like Stripe Billing.

  • vs. Modern gateways:

    Requires separate merchant account. More setup steps. Documentation feels dated compared to Stripe.

Cost of Operating

Gateway fee plus processor interchange. Pricing varies by merchant account.

Gateway Fees

Pricing: ~$25/month + 10¢/transaction (gateway only)

  • Monthly: ~$25
  • Per transaction: ~10¢ (gateway)
  • Processor: Interchange + markup (separate)

Total Cost

Combined gateway + processor typically 2.9% + 30¢ or similar.

  • Depends on merchant account
  • eCheck: lower % than cards
  • Volume discounts via processor

Is Authorize.net Right for You?

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