Authorize.net review

Authorize.net is the established choice for businesses whose cart or billing software expects it. The All-in-one plan bundles a merchant account and gateway for $25 per month plus 2.9% plus 30 cents per transaction, with no setup or early termination fees; gateway-only and eCheck plans are also offered for businesses that already have a merchant account. Features include a Virtual Terminal for phone orders, digital wallets such as Apple Pay and Google Pay, Automated Recurring Billing, digital invoicing, a Customer Information Manager for stored cards and an Advanced Fraud Detection Suite with custom rules. Live support is available 24/7 by phone, which many processors on this list do not offer to small accounts. The drawback is cost: the card rate matches Stripe while adding $25 a month, and the checkout tools feel dated next to Stripe or Square. Pick it when an existing integration or a reseller relationship already points you there.

Who it is for

Small US businesses whose shopping cart or invoicing software already supports Authorize.net and who want 24/7 phone support.

Price

All-in-one plan $25 per month plus 2.9% + 30¢ per transaction; no setup fee.

$25 per month 2.9% + 30¢ per transaction
Quoted from the vendor pricing page on November 6, 2026.

Key features

• Merchant account and payment gateway in one plan
• Virtual Terminal for phone and mail orders
• Automated Recurring Billing for subscriptions and payment plans
• Advanced Fraud Detection Suite with custom rules
• Customer Information Manager to store payment details

Strengths and weaknesses

• Strength: Works with a long list of carts and partner integrations
• Strength: 24/7 live phone support
• Strength: No setup or early termination fees
• Weakness: $25 monthly fee on top of 2.9% + 30¢
• Weakness: Fewer modern checkout tools than Stripe
• Weakness: Approval subject to eligibility

Key facts

• Monthly fee: $25 (All-in-one)
• Card rate: 2.9% + 30¢ per transaction
• Setup fee: None
• eCheck: Available as a gateway option
• Support: 24/7 live phone support

Where it ranks

Authorize.net is No. 9 in our Best Payment Gateways verdict.