Authorize.net
Payment gateway and optional bundled merchant-account service for accepting cards, digital wallets, eCheck payments, recurring billing, invoices, and virtual-terminal transactions.
Last reviewed: 2026-07-17
Overview
Payment gateway and optional bundled merchant-account service for accepting cards, digital wallets, eCheck payments, recurring billing, invoices, and virtual-terminal transactions.
Best for
US and Canada merchants that want an established gateway for an existing merchant account or a bundled path with hosted forms, recurring billing, and customer profiles.
Not ideal for
Global merchants that need broad local payment methods, many settlement currencies, or a single worldwide acquiring and omnichannel platform.
Key features
Integrations
Confirm current integration depth with the vendor before buying. Listed integrations are a starting point for research, not a complete implementation guarantee.
Pricing summary
Authorize.net offers all-in-one and gateway-only paths. Published pricing includes monthly gateway and transaction-related fees; gateway-only merchants also pay their merchant-account provider, while eCheck, account-updater, and other optional services can add cost.
Free trial
Unknown
Free plan
No
Pros and cons
Pros
- Gateway-only and bundled merchant-account options
- Hosted forms plus API and SDK integration paths
- Recurring billing, customer profiles, invoicing, and virtual terminal
Cons
- Primary merchant eligibility and processor coverage center on the US and Canada
- Monthly gateway and transaction-related fees apply
- Gateway-only accounts require a separate merchant-account relationship