Authorize.net
Payment Processor
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4 min read
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
Aggregated Trust Score
Based on 302 reviews across 4 rating platforms
2.1
out of 5
Overall Rating
Better Business Bureau
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 Fee
$25 a month gateway fee
Recurring monthly account fee
Setup Fee
often $0 for standard signups. Reseller/ISO offers may include different setup fees.
One-time account setup and onboarding fee
PCI Compliance Fee
Not listed publicly. Some resellers/processors charge separate PCI compliance fees.
Annual PCI DSS compliance and security fee
Statement Fee
Depends on reseller/merchant account
Monthly account statement and reporting fee
Chargeback Fee
Not listed publicly.
Per-incident chargeback dispute fee
Early Termination Fee
Depends on the merchant account / reseller contract (gateway itself often month-to-month; merchant-account contracts vary)
Fee for canceling before contract end
Payouts
Standard Payout Time
Most merchants see funding within ~1–2 business days after settlement
Regular deposit schedule to your bank account
Expedited Payout Time
Next-day / same-day funding is generally offered by some processors / resellers. Availability depends on the acquirer/reseller and underwriting.
Faster deposit option (may have additional fees)
Minimum Payout Amount
Minimums, reserve holds, or funding thresholds are set by the acquiring bank/reseller
Minimum balance required before payout
Contract Terms
Flexible Contract Terms
This provider offers month-to-month terms with no long-term commitment.
Contract Length
Required commitment period
commonly month-to-month for the gateway fee. Merchant-account contracts vary by reseller/ISO and can have multi-month commitments.
Cancellation Process
How to terminate your account
Merchant-account cancellation is handled with your acquiring bank/reseller
Security & Compliance
PCI Compliance
Payment Card Industry Data Security Standard compliance level
PCI Level 1 certified (highest level)
Fraud Prevention
Fraud detection and prevention tools
Advanced Fraud Detection Suite (AFDS) | Configurable rules/filters (velocity, IP checks, AVS/CVV checks, etc.)
Data Encryption
Encryption standards for data at rest and in transit
Transport Layer Security (TLS)
Tokenization
Supported
Replace sensitive card data with secure tokens
Accepted Payment Types
Credit & Debit 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 Payment Methods
Depending on partners and processor, integrations for alternative payment methods are available via partners.
Integrations
E-commerce Platforms
Compatible shopping cart and online store platforms
Adobe CommerceMagentoWooCommerce/WordpressBigCommerce
4 integrations available
Accounting Software
Sync transactions with your accounting tools
QuickBooks
1 integration available
CRM Systems
Connect with customer relationship management platforms
ZapierSalesforceApptivoBitrix24The Magazine ManagerOdooPracticePanther Legal SoftwaremHelpDeskSage IntacctVtiger CRMVanillasoftStrivenMediaOSAcceloGreenRopeAd OrbitRepairShopr17hatsservis.aiMovegistics CRMPepperiOntraportLogicBoxThe Newspaper Manager1CRMLead CapsuleKentroBlueCamrooLeadMasterAutodealsToplineFunnelMakerCiviCRMAllProWebToolsCool Life CRMSnapforcePeopleVineStandard ERPEQUPMoversTechEpesiPinnacle Ai CRMCloudOffixAccelGridLeadLegendA20Connect
46 integrations available
Special Features
Subscription Management
Manage recurring subscriptions and billing cycles
Supported
Invoicing
Create and send professional invoices
Supported
Virtual Terminal
Accept payments manually via web interface
Supported
Recurring Billing
Automated recurring payment processing
Supported
Top Competitors
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.
Authorize.net Pricing Calculator
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