Authorize.net
E-commerce fraud protection software
Subscription billing software
Payment gateways
E-commerce software
Payment software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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$25 per month
Free Trial unavailableFree version unavailable
Small
Medium
Large
- Retail and wholesale
- Accommodation and food services
- Education and training
What is Authorize.net
Authorize.net is a payment gateway that enables businesses to accept card and bank account payments through online checkout, mobile, and other channels. It is commonly used by small to mid-sized merchants and platforms that need a gateway with hosted payment forms, APIs, and integrations with shopping carts and accounting tools. The product includes features such as tokenization, customer information management, recurring billing, and basic fraud screening tools. Authorize.net operates as a Visa solution and is typically used alongside a merchant account or payment processor relationship.
Broad integrations and APIs
Authorize.net supports common e-commerce platforms, shopping carts, and POS/virtual terminal workflows, which reduces custom development for many merchants. It provides APIs and SDKs for payment acceptance, tokenization, and transaction management. This makes it practical for businesses that need a gateway-first approach rather than a full fraud or risk platform.
Recurring billing capabilities
The platform includes tools for subscription and recurring payments, including stored customer profiles and scheduled billing. This supports use cases such as memberships, SaaS add-ons, and installment-style payments without requiring a separate billing system for basic needs. For organizations with straightforward subscription logic, it can cover core recurring payment operations within the gateway.
Core fraud screening controls
Authorize.net includes configurable fraud detection filters (e.g., velocity and address-related checks) and supports security features such as tokenization. These controls can help merchants reduce obvious fraudulent attempts and manage risk at the transaction level. For many SMB merchants, this provides a baseline layer of fraud screening without deploying a specialized fraud decisioning product.
Limited advanced fraud decisioning
The fraud tooling is primarily rules-based and oriented to gateway-level screening rather than enterprise fraud analytics. Organizations needing sophisticated risk scoring, consortium data, device intelligence, or complex case management often require additional fraud platforms. This can increase total cost and integration effort for high-risk or high-volume merchants.
Subscription billing is basic
Recurring billing features focus on scheduling and charging stored payment profiles rather than full subscription lifecycle management. Businesses that need proration, complex plan changes, invoicing workflows, revenue recognition support, or dunning orchestration may outgrow the built-in capabilities. In those cases, a dedicated subscription billing system is typically required.
Processor and pricing dependencies
Authorize.net is a gateway and is commonly paired with a merchant account/processor relationship, which can add contractual and operational complexity. Fees and settlement experiences can vary depending on the acquiring/processing setup and region. This can be less streamlined than single-provider stacks that bundle gateway, processing, and risk under one commercial model.
Plan & Pricing
| Plan | Price | Key features & notes |
|---|---|---|
| All‑in‑one (Payment gateway + merchant account) | $25 per month; 2.9% + $0.30 per transaction (subject to eligibility) | Includes merchant account and Authorize.Net gateway (Virtual Terminal, Digital Wallets, Automated Recurring Billing, Advanced Fraud Detection Suite, Customer Information Manager, Digital Invoicing, 24x7 support). No setup fee. Source: Authorize.Net pricing page. |
| Gateway only (connect your existing merchant account) | $25 per month; $0.10 per transaction + $0.10 daily batch fee | Gateway features to connect with an existing merchant account (Virtual Terminal, Digital Wallets, Recurring Billing, AFDS). No setup fee. Source: Authorize.Net pricing page. |
| Gateway + eCheck | $25 per month; eCheck (ACH) processing 0.75% per transaction; credit card per transaction $0.10 + $0.10 daily batch fee | Adds eCheck (ACH) processing and gateway features. No setup fee. Source: Authorize.Net pricing page. |
Seller details
Visa Inc.
San Francisco, CA, USA
1958
Public
https://usa.visa.com/
https://x.com/Visa
https://www.linkedin.com/company/visa/
