Authorize.net vs myPOS Virtual Terminal MO/TO

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.

myPOS Virtual Terminal MO/TO lets businesses take card payments by phone or email when a customer is remote. It works on a computer, phone, or tablet with an internet connection and requires no installation, complex integration, or additional software or hardware. Businesses can give employees specific access to accept payments, then track transactions in real time from any location using the myPOS Mobile app. The product page says completed payments settle immediately into the myPOS merchant account. Businesses apply through that account, and myPOS confirms eligibility for the service. The UK pricing page lists MO/TO payments at the online payment fee plus 0.5% per transaction. The plan has no monthly fee, but transaction fees apply, and the displayed tariff table is a concise summary linked to the full tariff breakdown. The product page says customer card information cannot be accessed after a transaction is complete. The UK pricing page lists 24/7 customer support as free.