No. is a little different from some of the other providers we’ve talked about, as it does not offer all-in-one services. Instead, you have two options:

  1. Payment gateway services only.
  2. Combination of payment gateway and merchant account.

Do note that the merchant account can be one of ’s resellers. However, in these cases the terms and the fees may be quite different from the fees listed on’s website. So be sure to confirm fees and terms before you proceed.

FEES offers two options as listed above, and these two options include different fee structures as follows:

Option 1: Payment Gateway + Merchant Account

Setup Fee: $49

Monthly Gateway Fee: $25

Debit and Credit Rate: 2.9% plus 30 cents per transaction

Authorize Net | Payment Gateway Reviews

Option 2: Payment Gateway Services Only

NOTE: With this option, you’ll need to secure a merchant account somewhere else. You’ll be paying for your merchant account fees, as well as paying fees to So if you choose this option, be sure to find out how much you’ll be paying in fees to your merchant account provider.

Setup Fee: $49

Monthly Gateway Fee: $25

Transaction fee: $0.10

Batch fee: $0.20

Other Fees (For Both Options):

Early termination fee: None

PCI compliance fee: None

Equipment lease term: Varies

Chargeback fee: $25 fee: 0.75% per transaction

Verbal authorization (payment over the phone): $1.20

NOTE: If you sell outside the United States, add a 1.5% assessment per transaction. Funds are held for 48 hours, and then released to the merchant in batches.


In order to sell using, your business must be domiciled in the United States, United Kingdom, Australia, Canada or Europe. However, you can accept international transaction from customers who are located worldwide.

MAJOR CREDIT CARDS SUPPORTED supports all major credit cards including Visa™, MasterCard™, Discover™, American Express™, Diner’s Club International™, and JDB™.

Authorize Net | Payment Gateway Reviews

In addition, you can also accept payment via Apple Pay™, PayPal™, Visa Checkout™,, and signature debit cards.


Yes, recurring billing is available at no extra charge.


Yes, this is possible, but some programming knowledge is required. In addition,  you may need to obtain an SSL certificate, depending on the integration method you choose.

Authorize Net | Payment Gateway Reviews

Yes, is PCI-compliant.

Important: Since Authorize.Net is not directly involved with establishing, evaluating or validating merchant PCI compliance requirements, they have partnered with Trustwave, a leading provider of information security and compliance management solutions. Trustwave offers convenient PCI tools and validation services at a specially discounted price to Authorize.Net merchants.

Can you accept phone orders or manually enter your customers’ payment info?


Authorize Net | payment gateway processor


Since has a long history online, and is considered one of the top service providers in the industry, it is supported by many platforms. These include mobile, online, retail and telephone solutions. Examples include:

    • ThunderTix
    • Auctiva
    • QuickCart
    • BigCommerce
    • Apple Cart
    • Pinnacle Cart
    • WordPress
    • Spark Pay

And many, many more.  See the list here


Can you accept  payments from your customers in person using your mobile phone?

Yes. You’ll need to use an mobile app, or a solution from a third-party. certifies over 50 third-party solutions, so you’re sure to find one that meets your needs.


Can you export data if you decide to leave the platform? No, this is not allowed due to security concerns. Here’s what customer service told us:

Authorize Net | Payment Gateway Reviews

Can you import card numbers from your existing provider to this provider? No, doesn’t support this feature.

However, some developers and third parties do offer solutions to data portability. See as an example.

Who Can Use This Payment Gateway?

This is a good fit for mid to large businesses who’ve chosen to use a merchant account, as well as those who want to accept orders over the phone.

Note: Large-volume businesses may also be able to negotiate a lower rate on transactions and fees. Be sure to read and understand’s terms of service and limitations before signing up with them, as they’re not a good fit for all businesses.

What Type Of Support Is Offered? support staff is available through the Help Desk, telephone, and via live chat (which requires a login).

Note that the help desk and FAQ contain very little documentation. There is a developer community available with posts dating back to 2012.

What Type of Reputation Does The Provider Have In The Market? is a Visa company that has been providing payment processing services since 1996 for over 400,000 merchants. has a Better Business Bureau Business Review with an A+ rating. Records indicate that have been 141 complaints in the past three years, with 50 of those complaints being closes in the last 12 months.

While this is a relatively low number of complaints considering the large number of merchants that provides services too. However, these complaints mainly center around poor customer service, an outdated system, and the lack of data portability. These factors may be deal breakers, so may not be the right solution for some business owners. is a payment gateway that allows you to accept online credit card payments on your website…. So, if you’d like to learn more about whether is the right and reliable solution for you, check them out by clicking the button below.
If you want to compare more payment processors up to then check out our post “Payment Gateway Processor Reviews and Comparisons”
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