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.
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?
No. Dispute fees flow through the underlying processor (Gateway-Only) or are bundled (All-In-One).
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.
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