PayPal vs Authorize.net
A side-by-side look at PayPal and Authorize.net — pricing, payment methods, integrations, features, and company facts. Add up to 4 processors to widen the comparison.
Comparing 2 of 4.
| Compare |  PayPal4.5(4) |  Authorize.net4.5(4) |
|---|---|---|
| Pricing | ||
| Online card rate | 2.99% + $0.49 | 2.9% + $0.30 |
| In-person rate | 2.29% + $0.09 | — |
| Keyed-in rate | 3.49% + $0.09 | 2.9% + $0.30 |
| International | +1.5% | — |
| ACH / bank | 0.8% (cap $5) | 0.75% (eCheck) |
| Monthly fee | $0 | $25 |
| Setup fee | — | $0 |
| Monthly minimum | — | — |
| Chargeback fee | $20 | $25 |
| Pricing model | Flat rate | Flat rate, Subscription |
| Contract | No contract | Month-to-month |
| Free trial | No | No |
| Payout time | Instant | Varies |
| Payment methods | ||
| Visa | Yes | Yes |
| Mastercard | Yes | Yes |
| Amex | Yes | Yes |
| Discover | Yes | Yes |
| PayPal | Yes | No |
| BNPL | Yes | No |
| Wallets | Yes | Yes |
| Apple Pay | No | Yes |
| ACH | No | Yes |
| Integrations | ||
| Hosted checkout | Yes | Yes |
| Shopify | Yes | No |
| WooCommerce | Yes | Yes |
| BigCommerce | Yes | No |
| Payment links | Yes | No |
| Invoicing | Yes | Yes |
| API | No | Yes |
| Virtual terminal | No | Yes |
| Features | ||
| Fraud protection | Yes | Yes |
| Chargeback protection | Yes | No |
| Reporting dashboard | Yes | Yes |
| Recurring billing | Yes | Yes |
| Tokenization | No | Yes |
| Company | ||
| Founded | 1998 | 1996 |
| Headquarters | San Jose, CA, USA | Foster City, CA, USA |
| Company size | 1000+ staff | 251-1000 staff |
| Regions | US, CA, EU, UK, Global | US, CA, UK, EU |
| PCI level | Level 1 | Level 1 |
| Currencies | 100+ currencies | Multiple (via merchant account) |
| High-risk friendly | No | No |
| Get started | ||
| Visit / profile | ||