Authorize

Authorize.net provides payment gateway solutions that enable businesses to accept electronic and credit card payments in person, online, by phone, or through mobile devices. With features like eCheck processing, a virtual point of sale, and simple checkout options, Authorize.net aims to streamline payment processing for over 430,000 merchants, helping them manage transactions efficiently while focusing on their core business activities.

Founded in	1996
Location	🇺🇸 United States
Founders	Jeff Knowles

Features

Plans

No free plan available for this product.

All-in-One Payment Processing Plan

$25

◈Per Transaction Fee: 2.9% + $0.30

◈Setup Fee: $0

◈Accept credit cards, debit cards, eChecks, Apple Pay, PayPal, and more

◈Online, in-person, mobile, and phone payments

◈Advanced Fraud Detection Suite (AFDS)

◈Automated recurring billing

◈Virtual Terminal for manual orders

◈Customer Information Manager

◈Integration with e-commerce platforms

◈24/7 customer support (except major holidays)

◈PCI compliance and data tokenization

Payment Gateway-Only Plan

$25

◈Per Transaction Fee: $0.10

◈Daily Batch Fee: $0.10

◈Setup Fee: $0

◈Use Authorize.net as a gateway with your own merchant account

◈All security and fraud detection features

◈Recurring billing and customer data management

◈Supports multiple payment types (credit cards, eChecks, digital wallets)

◈Virtual Terminal and reporting tools

◈Integration with third-party processors and e-commerce platforms

Payment gateway and eCheck

$25

◈Per Transaction Fee: $0.10

◈Daily Batch Fee: $0.10

◈Setup Fee: $0

◈Use Authorize.net as a gateway with your own merchant account

◈All security and fraud detection features

◈Recurring billing and customer data management

◈Supports multiple payment types (credit cards, eChecks, digital wallets)

◈Virtual Terminal and reporting tools

◈Integration with third-party processors and e-commerce platforms

Refund Policy

You can only refund payments through Authorize.net if the original transaction was settled within the last 180 days, and the refund cannot be for more than the original amount.

Ratings

trustpilot(1.4/5)

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g2(4.2/5)

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capterra(4.5/5)

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Ai Opinion

✦

AI Rating(3.7/5)

Authorize.Net is generally easy to use and integrates well with ecommerce platforms. It offers solid payment processing and security features, but some users have reported difficulties with subscription management, customer service issues, and billing problems.

Expert Opinion

✎

Expert Rating(4.1/5)

I recently tested Authorize.net, a long-standing payment gateway owned by Visa, which is widely used by businesses for processing online, in-person, and mobile payments. My experience highlighted its reliability and security, especially for medium and larger businesses that need robust fraud protection and flexible payment options. The platform supports a range of payment types, including credit cards, eChecks, Apple Pay, and PayPal, making it versatile for different business models. The user interface is simple and functional, though it feels outdated compared to newer competitors. Despite the dated look, the navigation is straightforward, and features like transaction search, reporting, and fraud filters are easy to access and configure. Integration with popular e-commerce platforms and tools like WooCommerce is smooth, and setting up recurring billing or subscriptions is a breeze. One of the platform’s strongest points is its advanced fraud detection, with customizable filters that help reduce chargebacks and protect both merchants and customers. I also found the customer support to be responsive and knowledgeable, available 24/7 except on major holidays, which is reassuring for businesses that need quick assistance. However, Authorize.net’s pricing can be a drawback for small businesses. There is a monthly gateway fee, and the per-transaction costs are not always as competitive as all-in-one solutions like Stripe or PayPal. Some users have reported issues with account management, such as difficulties canceling unused accounts or resolving billing problems, which can be frustrating if not handled promptly. In conclusion, Authorize.net is a dependable and secure payment gateway that excels in reliability and fraud protection, making it a top choice for established businesses with higher transaction volumes. While it may not be the most modern or cost-effective option for small startups, its performance and support make it a solid investment for those who prioritize security and flexibility in payment processing.