Authorize.Net
Authorize.Net's cheapest published rate is $25/mo + 10c per tx (Gateway-Only). Pricing model: flat-rate. Monthly fee: $25/mo. Dispute fee: Not published. Cross-border: Per processor. FX: Per processor.
Tier table (vendor-published)
| Tier | Rate | Notes |
|---|---|---|
| All-In-One | $25/mo + 2.9% + 30c | Includes merchant account |
| Gateway-Only | $25/mo + 10c + 10c batch | Use existing processor |
| Gateway + eCheck | $25/mo + 10c + 0.75% eCheck | - |
Source: https://www.authorize.net/sign-up/pricing.html (verified 2026-06-19).
What Authorize.Net is best for
- Merchants who already have a merchant account and want a gateway layer at $25/mo + 10c per tx.
- Mid-market ecommerce on legacy stacks where Authorize.Net's longevity is a stability anchor.
- Brick-and-mortar resellers selling Authorize.Net as part of a processing bundle.
Hidden costs and gotchas
Gateway-Only at $25/mo + 10c per tx + 10c daily batch; bring your own processor. All-In-One adds 2.9% + 30c.
- Gateway-Only adds a 10c daily batch fee on top of the 10c per-tx fee.
- All-In-One bundles a processor at 2.9% + 30c; you cannot mix and match.
- eCheck add-on: 0.75% per transaction.
Every fee Authorize.Net publishes, beyond the headline rate
Authorize.Net charges $0.00 to set up. Every plan is $25/mo, and the only non-zero charges beyond the per-transaction rate are administrative: $25.00 for a returned payment, $20.00 for a late payment, $10.00 for an abandoned account, $0.25 per Account Updater update, and on the eCheck.Net add-on a $10 monthly minimum, a $3.00 returned item fee and a $25.00 chargeback fee. This is the entire published schedule, not a sample of it.
| Published fee | Amount |
|---|---|
| Gateway setup fee | $0.00 |
| eCheck.Net setup fee | $0.00 |
| ARB (recurring billing) setup fee | $0.00 |
| Service reactivation fee | $0.00 |
| Early termination fee | None for the gateway |
| Returned payment fee | $25.00 |
| Late payment fee | $20.00 |
| Abandoned account fee | $10.00 |
| Account Updater, per update | $0.25 |
| eCheck.Net minimum monthly fee | $10.00 |
| eCheck.Net returned item fee | $3.00 |
| eCheck.Net chargeback fee | $25.00 |
Card chargeback fees are the one gap. Authorize.Net does not publish them because on Gateway-Only they belong to your acquirer, and on All-In-One they sit inside the bundled merchant account. Ask for the card dispute fee in writing before you sign either plan.
Source: authorize.net published pricing page (verified 7 September 2026).
When this vendor wins, when it loses
FAQ
Gateway-Only vs All-In-One: which is cheaper?
Gateway-Only wins when your bundled processor delivers an interchange-plus rate below ~2.5%. All-In-One at 2.9% + 30c is the simpler choice for SMB with no existing processor relationship.
Does Authorize.Net publish chargeback fees?
For cards, no. Card dispute fees flow through the underlying processor on Gateway-Only, or are bundled on All-In-One. For eCheck.Net, yes: Authorize.Net's own pricing page publishes a $25.00 eCheck.Net chargeback fee and a $3.00 eCheck.Net returned item fee (verified 7 September 2026).
What are the setup and account fees?
Gateway setup, eCheck setup, ARB setup and service reactivation are all $0.00 on Authorize.Net's published schedule. The fees that are not zero are administrative: $25.00 returned payment, $20.00 late payment, $10.00 abandoned account, and a $10 eCheck.Net minimum monthly fee (verified 7 September 2026).
How does it compare to Stripe?
Authorize.Net is a gateway, not an acquirer. Stripe is both. If you do not have a processor relationship, Stripe is simpler. If you do, Authorize.Net lets you keep the IC+ rate.
See the full vendor index, run the cross-vendor cost calculator, or read how we verify every rate.