Authorize.net
Payment Processor
TL;DR
Authorize.Net provides a full payment gateway feature set: hosted checkout (Accept Hosted), client-side Accept.js tools, developer APIs & SDKs (Node, PHP, Python, Java, C#, Ruby, etc.), a sandbox testing environment, recurring billing (ARB), the Customer Information Manager (tokenization for stored customer payment profiles), eCheck (ACH) processing, a virtual terminal for keyed-in MOTO payments, reporting, an Account Updater service, and an Advanced Fraud Detection Suite (AFDS) with configurable rules. The company supports webhooks / notifications and publishes detailed API docs and SDKs on both their developer portal and GitHub, so it’s developer-friendly and well-suited for custom integrations and enterprise use. Strengths include longevity and trust (Visa ownership), strong security and compliance posture (annual PCI-related scans, SSAE-related docs available upon request), mature fraud tools, broad ecommerce & accounting integrations (Magento/Adobe Commerce, WooCommerce partners, QuickBooks connectors, etc.), and robust developer tooling. Weaknesses for some merchants: pricing for low-volume merchants (the typical $25/month gateway fee plus either a 2.9%+$0.30 all-in-one rate or gateway-only 10¢ per transaction models). Some merchants report billing/settlement frustrations or account-handling issues on public review sites. Also, while feature-rich, the merchant interface can feel dated to some and certain advanced features (or faster funding options) depend on the acquiring processor/reseller rather than Authorize.Net itself.
About
Authorize.Net is a mature, Visa-owned payment gateway that offers robust, developer-friendly payment tools, strong fraud controls, and wide platform integrations. Pricing and merchant-account terms that vary depending on whether you use Authorize.Net’s all-in-one plan or attach your own processor.
Products & Services
No products or services information available.
Platform Ratings
bbb
13 reviews
Reviewer Notes
reviewers and complainants often mention billing disputes (e.g., surprise charges for services like Account Updater, refund/chargeback handling, or confusion about which entity billed), difficulty with refund windows for some use-cases, and support/billing communication problems, but the BBB page also shows Authorize.Net’s responses in several cases. In short: complaints focus on billing/charge/refund handling and merchant-account/reseller mixups.
trustpilot
74 reviews
Reviewer Notes
Trustpilot reviews skew negative. Common themes are merchants frustrated about funds not being deposited (or delayed settlements), billing/fees, slow/poor support experiences in resolving money/funding issues, and specific eCheck/ACH handling problems. There are a few positive comments but the overall TrustScore is low.
yelp
10 reviews
Reviewer Notes
Merchant reviews for authorize.net are negative. Merchants report billing and support complaints.
g2
205 reviews
Reviewer Notes
G2 reviews are largely positive with merchants praising reliability, security, developer tooling / SDKs, ease of integration and the AFDS fraud tools. Common negatives found in reviews are UI/UX related (dashboard looks dated), the $25 monthly gateway fee is less attractive for very low-volume merchants, and some reported invoicing/subscription management caveats. Overall G2 users rate Authorize.Net highly.
Pricing Details
- Monthly gateway fee:$25 / month (standard gateway monthly fee).
- All-in-one (gateway + merchant account) advertised example:2.9% + $0.30 per transaction + $25/month (this is the typical “all-in-one” advertised rate)
- Gateway-only plan (if you already have a merchant account):$25/month + $0.10 per transaction + $0.10 daily batch fee (gateway-only per-transaction model)
- eCheck/ACH (eCheck.Net):~0.75% per eCheck/ACH transaction
Fees
Monthly
$25 a month gateway fee
Setup
often $0 for standard signups. Reseller/ISO offers may include different setup fees.
PCI
Not listed publicly. Some resellers/processors charge separate PCI compliance fees.
Statement
Depends on reseller/merchant account
Chargeback
Not listed publicly.
Early Termination
Depends on the merchant account / reseller contract (gateway itself often month-to-month; merchant-account contracts vary)
Payouts
Standard Time
Most merchants see funding within ~1–2 business days after settlement
Expedited Time
Next-day / same-day funding is generally offered by some processors / resellers. Availability depends on the acquirer/reseller and underwriting.
Minimum Amount
Minimums, reserve holds, or funding thresholds are set by the acquiring bank/reseller
Contract Terms
Length
commonly month-to-month for the gateway fee. Merchant-account contracts vary by reseller/ISO and can have multi-month commitments.
Cancellation Process
Merchant-account cancellation is handled with your acquiring bank/reseller
Security & Compliance
PCI Compliance
PCI Level 1 certified (highest level)
Data Encryption
Transport Layer Security (TLS)
Fraud Prevention
Advanced Fraud Detection Suite (AFDS) | Configurable rules/filters (velocity, IP checks, AVS/CVV checks, etc.)
Tokenization
Supported
Accepted Payment Types
Credit Cards
- Visa (subject to acquiring bank)
- Mastercard (subject to acquiring bank)
- Amex (subject to acquiring bank)
- Discover (subject to acquiring bank)
Digital Wallets
- Apple Pay
- Google Pay
Bank Transfers
- eCheck/ACH via eCheck.Net at ~0.75% per transaction
Alternative Methods
- Depending on partners and processor, integrations for alternative payment methods are available via partners.
Integrations
E-commerce
- Adobe Commerce
- Magento
- WooCommerce/Wordpress
- BigCommerce
Accounting
- QuickBooks
CRM
- Zapier
- Salesforce
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- 1CRM
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- Snapforce
- PeopleVine
- Standard ERP
- EQUP
- MoversTech
- Epesi
- Pinnacle Ai CRM
- CloudOffix
- AccelGrid
- LeadLegend
- A20Connect
Special Features
Subscription Management
Supported
Invoicing
Supported
Virtual Terminal
Supported
Recurring Billing
Supported
Top Competitors
Competitor 1
No comparison available
Support & Contact
Support Types
phonekb
Quality Assessment
Many business users report prompt technical responses but some billing/account complaints on public sites describe longer cycles for dispute resolution.