Authorize.net review

Authorize.net is a long-established gateway that suits businesses with an existing merchant account or with phone and recurring orders. Two plans cover most cases: All-in-one costs $25 per month plus 2.9% + 30¢ per transaction and includes a merchant account, while Gateway only costs $25 per month plus 10¢ per transaction and a 10¢ daily batch fee for sellers who already have one. There are no setup fees and no early termination fee. The feature set leans toward card-not-present sales: a Virtual Terminal for phone orders, digital invoicing, a Simple Checkout button, rules-based Advanced Fraud Protection, Account Updater to keep stored cards current, and recurring or installment billing. Authorize.net also highlights a live support team available around the clock. For a new online seller, the All-in-one card rate equals Stripe's but adds $25 a month, so it pays off mainly when Gateway only pricing against a negotiated merchant account comes out cheaper.

Who it is for

businesses that need a gateway for an existing merchant account

Price

All-in-one $25 per month plus 2.9% + 30¢ per transaction; Gateway only $25 per month plus 10¢ per transaction and a 10¢ daily batch fee.

All-in-one Sign up now $25 per month 2.9% + 30¢ per transaction
Quoted from the vendor pricing page on November 13, 2026.

Key features

• All-in-one plan with a merchant account for $25 per month plus 2.9% + 30¢
• Gateway only plan for $25 per month plus 10¢ per transaction and a 10¢ daily batch fee
• Virtual Terminal for phone and manual orders
• Advanced Fraud Protection with rules-based filters
• Account Updater and recurring or installment payments

Strengths and weaknesses

• Strength: No setup fees and no early termination fee
• Strength: Works with an existing merchant account on Gateway only
• Strength: Live support team available around the clock
• Weakness: $25 monthly fee on both plans
• Weakness: All-in-one card rate matches Stripe but adds the monthly fee
• Weakness: eCheck requires a separate plan

Key facts

• Monthly fee: $25
• All-in-one rate: 2.9% + 30¢
• Gateway only rate: 10¢ per transaction + 10¢ daily batch
• Setup fee: None

Where it ranks

Authorize.net is No. 8 in our Best Payment Gateways for Small Business verdict.