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Authorize.net

authorize.net

From $25/mo WebiOSAndroidAPI
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Spec score 8.2 #5 of 28 in Virtual Terminal Software

What it is

Authorize.net helps businesses accept electronic and credit card payments online, in person and by phone. It supports major cards, Apple Pay, Google Pay, PayPal and eChecks, with channels for website checkout, mobile payments, in-person card readers, phone orders through Virtual Terminal and digital invoicing. Automated Recurring Billing supports subscriptions, retainers and payment plans. Customer Information Manager stores payment details for returning customers, while Advanced Fraud Detection Suite offers customizable rules to flag suspicious activity. The service lists web, iOS, Android and API platforms, XML and JSON API variants, and a certified network of technology and solution partners. Merchant support is available 24x7 except major holidays. Authorize.net says its processing is designed for small businesses and that it has worked with merchants and small businesses since 1996. There is no free plan. All listed plans cost $25 per month: All-in-one adds 2.9% + 30¢ per transaction; Gateway only adds 10¢ per transaction plus a 10¢ daily batch fee and requires an existing merchant account. Gateway + eCheck lists 0.75% for eCheck and 10¢ per card transaction plus a 10¢ daily batch fee; eCheck is available only to U.S.-based businesses.

Spec sheet

What it does
Authorize.net helps businesses accept electronic and credit card payments in person, online, and over the phone.Read 7 Oct 2026 · authorize.net
Integrations
Authorize.net provides an API with XML and JSON variants, and a certified network of technology and solution partners.Read 7 Oct 2026 · developer.authorize.net
Security
The pricing page describes its gateway as secure and lists customizable fraud detection tools.Read 7 Oct 2026 · authorize.net
Support
Merchant support is available 24x7, except major holidays, by phone, online chat, or support case.Read 7 Oct 2026 · authorize.net
Founded
1996Read 23 Sep 2026 · authorize.net
API status
Authorize.net says legacy AIM, SIM, DPM, Relay Response, and Silent Post methods are obsolete and being phased out.Read 7 Oct 2026 · support.authorize.net
Business audience
The pricing page describes its payment processing as designed for small businesses.Read 7 Oct 2026 · authorize.net
Company history
Authorize.net says it has worked with merchants and small businesses since 1996.Read 7 Oct 2026 · authorize.net
Customer data
Customer Information Manager securely stores payment details for returning customers.Read 7 Oct 2026 · authorize.net
Fraud protection
The plans list Advanced Fraud Detection Suite with customizable rules to flag suspicious activity.Read 7 Oct 2026 · authorize.net
Ownership
Authorize.net states that it is a wholly owned subsidiary of Visa.Read 7 Oct 2026 · authorize.net
Payment methods
It supports major cards, Apple Pay, Google Pay, PayPal, and eChecks.Read 7 Oct 2026 · authorize.net
Pricing terms
The pricing page says there are no setup fees or early termination fees for the payment gateway.Read 7 Oct 2026 · authorize.net
Recurring billing
Automated Recurring Billing supports subscriptions, retainers, and payment plans.Read 7 Oct 2026 · authorize.net
Sales channels
It offers website payments, mobile payments, in-person card-reader payments, phone orders through Virtual Terminal, and digital invoicing.Read 7 Oct 2026 · authorize.net

Plans and prices

All-in-one $25 a month $25 per month; 2.9% + 30¢ per transaction Merchant account + payment gateway · eCheck not listed as included Read 7 Oct 2026 · authorize.net
Gateway only $25 a month $25 per month; 10¢ per transaction + daily batch fee 10¢ Requires an existing merchant account Read 7 Oct 2026 · authorize.net
Gateway + eCheck $25 a month $25 per month; eCheck 0.75%; credit card 10¢ per transaction + 10¢ daily batch fee eCheck only available for businesses based in the U.S. Read 7 Oct 2026 · authorize.net

Every Authorize.net plan and price →

Strong points and limits

Strong points

  • Supports cards, wallets, PayPal and eChecks
  • Recurring billing for subscriptions and payment plans
  • Customizable fraud detection rules
  • 24x7 merchant support except major holidays

Limits

  • No free plan
  • Gateway only requires an existing merchant account
  • eCheck is limited to U.S.-based businesses
  • Legacy API methods are being phased out

Who it suits

Authorize.net suits small businesses looking to accept payments across online, in-person and phone channels. Its plan details matter to businesses choosing between an all-in-one account, an existing merchant account or eCheck processing.

Verdict

Authorize.net offers multiple payment channels, recurring billing and API options, with different transaction charges across its $25-per-month plans. Check the merchant-account requirement, eCheck eligibility and legacy API status when selecting an integration or plan.

Where Specifiction places it

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