Authorize.net vs PayLolly Virtual Terminal

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.

PayLolly Virtual Terminal lets businesses take card payments through an internet-connected device using a browser. PayLolly says it can serve customers anywhere in the world and supports more than 150 payment methods, including Visa, Mastercard, American Express, UnionPay, PayPal, Apple Pay, and Google Pay. Its Smart Routing Engine chooses a payment provider using card, customer, and payment data. Reporting brings transaction information together for KPI reporting, customizable dashboards, and financial report exports. PayLolly states that the service supports over 200 payment processors and 125+ shopping carts, and connects with major shopping carts and e-commerce tools. Businesses can accept payments through no-code payment links, shopping platform integrations, or APIs. Security features listed by the company include PCI DSS Level 1 compliance, a 3DS fraud engine, configurable risk settings, and dispute management. PayLolly says it can set up a Virtual Terminal or Payment Link within hours; website payment integrations typically take a few days. Pricing is available on request, with a described nominal charge for each processed transaction. The company offers a dedicated account manager and 24/7 support.