Authorize.net Pricing 2026: Plans, Pros & Cons

Overview

Authorize.net is a payment gateway that describes itself as powered by Visa’s payments ecosystem, and links to Visa and Cybersource.^[7] It is one of the few large gateways sold separately from acquiring, so merchants can connect it to a merchant account from their bank or processor; Chase, for example, lists Authorize.net among its integration partners.^[18]

All plans cost $25 a month with no setup fee and no early termination. The gateway-only plan charges 10¢ per transaction plus a 10¢ daily batch fee; the gateway-plus-eCheck plan adds 0.75% per eCheck; and the all-in-one plan, which includes a merchant account, charges 2.9% + 30¢ subject to eligibility.^[6] Features include online card, eCheck and wallet payments, a virtual terminal, mobile and Tap to Pay acceptance, invoicing, Simple Checkout buttons, Advanced Fraud Protection, Account Updater, recurring payments and 24/7 support.^[7] The fixed monthly fee makes it relatively costly for very low volumes.

Authorize.net features

Works with third-party merchant accounts
Virtual terminal
Recurring payments and Account Updater
Advanced Fraud Protection
eCheck processing
Simple Checkout buttons
Gateway-only or all-in-one plans
Recurring billing and Account Updater

Authorize.net pricing

$25/month on all plans. Gateway only: 10¢/transaction + 10¢ daily batch. eCheck: 0.75%. All-in-one: 2.9% + 30¢. No setup fee or early termination fee.

Authorize.net strengths and limitations

Strengths

Processor-agnostic
Low per-transaction gateway fee
Long list of included tools
Works with many third-party processors
No setup or termination fee
Mature fraud and recurring tools

Limitations

$25 monthly fee
Processing billed separately on gateway-only plan
eCheck chargebacks cost $25
$25 monthly fee on every plan
All-in-one rate not lower than no-fee rivals
Separate fees for eCheck

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