Authorize.net review

Name: Authorize.net
Brand: Authorize.net

A long-established payment gateway for online and MOTO payments.

Editor's score: 3.8 / 5 How we scoreWhat merchants say about Authorize.netFounded 1996Foster City, CA, USAListing updated Sep 8, 2026

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Online rate: 2.9% + $0.30
Monthly fee: $25
Payout: Varies
Contract: Month-to-month
PCI level: Level 1
Regions: US, CA +2

Overview

Authorize.net is one of the longest-running gateways, well suited to businesses that want a virtual terminal, recurring billing, and the option to bring their own merchant account.

Best for

Traditional businesses

MOTO

Virtual terminal

Regions

Industries

Retail

Services

Listed in

E-commerce Payment Processors Small Business

Pros

Mature, stable gateway
Bring-your-own merchant account option
Good virtual terminal and recurring billing

Cons

Dated interface
Monthly gateway fee on top of processing

Pricing

Pricing at a glance

$25/mo gateway + 2.9% + 30¢, or gateway-only for your own merchant account.

Pricing model: Flat rate, Subscription
Contract: Month-to-month
Free trial: No
Monthly minimum: N/A

Fee breakdown

Online card rate	2.9% + $0.30
Keyed-in rate	2.9% + $0.30
ACH / bank rate	0.75% (eCheck)
Monthly fee	$25
Setup fee	$0
Chargeback fee	$25
Refund policy	Transaction fee not returned

Listing updated Sep 8, 2026How we keep listings current

Features

Payment methods

Visa
Mastercard
Amex
Discover
Apple Pay
ACH
Wallets

Integrations & deployment

API
Hosted checkout
Virtual terminal
WooCommerce
Invoicing

Capabilities

Recurring billing
Fraud protection
Tokenization
Reporting dashboard

At a glance

Currencies: Multiple (via merchant account)
Payout: Varies
PCI level: Level 1
High-risk friendly: No

Reviews

Authorize.net reviews

Review analysis

Authorize.net has been running since 1996 and is owned by Visa, and its reviews read like it: few people love it, almost nobody says it broke. Complaint volume is low to moderate and concentrates on support and billing rather than on reliability. The thing most reviews fail to make clear is that your experience depends less on Authorize.net than on whoever sold it to you.

Read the full Authorize.net review analysis

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