Authorize.net vs STEPpay Virtual Terminal
Authorize.net
authorize.netSTEPpay Virtual Terminal
coalescesolutions.comSide by side
| Figure | Authorize.net | STEPpay Virtual Terminal |
|---|---|---|
| Price from | $25/mo | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 3 | 0 |
| Spec score · Virtual Terminal Software | 8.2 (#5) | 6.8 (#24) |
| Company history | Authorize.net says it has worked with merchants and small businesses since 1996. | Coalesce says it has delivered technology solutions since 2008. |
| Founded | 1996 | 2008 |
| Integrations | Authorize.net provides an API with XML and JSON variants, and a certified network of technology and solution partners. | STEPpay is designed to route transactions to merchant accounts using merchant-defined rules, and the page offers a development and integration partner program. |
| Payment methods | It supports major cards, Apple Pay, Google Pay, PayPal, and eChecks. | The terminal supports credit card and ACH transactions. |
| Security | The pricing page describes its gateway as secure and lists customizable fraud detection tools. | The maker describes tokenization that keeps card and banking information in its vault and says card data is not exposed to merchants. |
| Support | Merchant support is available 24x7, except major holidays, by phone, online chat, or support case. | Coalesce lists [email protected] as its support contact. |
Plans
Authorize.net
- All-in-one$25 a month
- Gateway only$25 a month
- Gateway + eCheck$25 a month
In their own words
Authorize.net
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.
STEPpay Virtual Terminal
STEPpay Virtual Terminal has no write-up on Specifiction yet; its figures are above.