Subscription plus per-transaction fees: $25/month gateway fee on every plan, plus 2.9% + $0.30 per transaction on the All-in-One plan (includes merchant account) or $0.10 per transaction plus a $0.10 daily batch fee on the Gateway Only plan (requires an existing merchant account); no setup fee, no cancellation fee.
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Last updated
August 8, 2026
PaidSMBSubscriptionAPINonprofit
Authorize.Net is a payment gateway and merchant services platform, backed by Visa, that helps businesses accept payments online, in person, by phone, and on mobile. It supports major credit and debit cards, eChecks/ACH, and digital wallets such as Apple Pay, Google Pay, and PayPal, and bundles in built-in real-time fraud detection, recurring/subscription billing, digital invoicing, and a Virtual Terminal for manually entering phone orders. In-person sellers can use a Virtual Point of Sale with card readers, and an Account Updater keeps stored customer card details current automatically. Plans start at $25/month plus per-transaction fees, with no setup fee and no contract or cancellation fee, and the company backs it with free 24/7 support plus a self-serve AI chatbot ('Ask Anet').
Key Features
Online payments — Accept credit cards, debit cards, eChecks, Apple Pay, Google Pay, and PayPal on your website.
Mobile payments — Take payments via QR codes and tap-to-pay digital wallets directly from a smartphone.
In-person processing — Virtual Point of Sale with supported card readers for face-to-face transactions.
Virtual Terminal — Manually key in card details to process orders taken by phone or mail.
Digital invoicing — Send custom invoices to customers for payment online.
Real-time fraud detection — Built-in, rules-based fraud filtering included on every plan at no extra cost.
Recurring billing — Support for monthly subscriptions and installment payment plans.
Account Updater — Automatically refreshes stored customer card information to reduce failed renewal payments ($0.25 per update).
Pros & Cons
Pros
Backed by Visa, giving it strong brand recognition and an established payment infrastructure
No setup fee and no contract or cancellation fee on any plan
Zero chargeback fee on credit card transactions
Built-in real-time fraud detection included on every plan rather than sold as an add-on
Supports a wide range of payment methods, including Apple Pay, Google Pay, PayPal, and eChecks/ACH alongside major credit cards
Cons
Flat $25/month gateway fee applies even on the lowest-volume plans, unlike some competitors with no monthly fee
eCheck plan carries an additional $10/month minimum fee on top of the standard gateway fee
The lower per-transaction Gateway Only plan requires merchants to already have their own separate merchant account
The site does not publicly list which specific ecommerce platforms (e.g. WooCommerce, Shopify) have pre-built integrations, so compatibility must be confirmed via its partner directory