Authorize.net vs Zoho Checkout

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.

Zoho Checkout provides hosted payment pages for businesses collecting one-time or recurring online payments. Pages can be customized without coding with a logo, labels, fields, background colors, and fonts. Businesses can set a fixed amount or let customers choose what to pay. Recurring pages support weekly, monthly, or yearly billing, including a future start date. Pages can be embedded on a website or online store, or shared by email and social media. The service can retry failed payments up to three times on a configured schedule. Listed payment gateways are Stripe, WePay, and Razorpay; integrations include Zoho Books, Campaigns, Cliq, Flow and Sign, as well as Slack, MailChimp, and Zapier. Zoho says pages use SSL encryption and are PCI compliant. The free plan permits three pages and 50 payments overall, with the payment count not resetting monthly. Standard is $9 a month and Professional is $29 a month, billed per organization monthly with annual billing. It runs on the web.