Authorize.Net
Securely accept payments online, in-person, or via mobile, and protect against fraud.
Executive Summary
Authorize.Net is a leading payment gateway that facilitates secure and efficient transaction processing for businesses of all sizes. It enables merchants to accept various payment types, including credit cards, eChecks, and digital wallets, across online, mobile, and in-person channels. The platform offers robust fraud detection tools, recurring billing, and comprehensive reporting, providing key business value through streamlined payment management and enhanced security. Its differentiation lies in its long-standing presence, extensive feature set, and strong focus on security and compliance for diverse merchant needs.
Use Cases
- Processing online credit card and eCheck payments for e-commerce businesses.
- Accepting mobile payments via smartphones, QR codes, and digital wallets.
- Managing recurring billing and subscription payments.
- Processing in-person payments using virtual POS or card readers.
- Sending digital invoices for goods and services.
- Preventing fraud and chargebacks through advanced detection tools.
Features
Visibility
- Merchant Dashboard: An intuitive interface for managing transactions, customer profiles, and account settings.
- Real-time Transaction Reporting: Access to up-to-the-minute data on payment activities, trends, and outstanding balances for accurate cash flow planning.
- Digital Invoicing: Ability to deliver custom digital invoices to customers via email, simplifying payment collection.
Intelligence
- Advanced Fraud Detection Suite (AFDS): A suite of 13 configurable fraud filters and tools, including AVS, CCV, velocity filters, and IP blocking, to identify and prevent fraudulent transactions.
- Account Updater: Automatically updates expired or changed credit card information stored in customer profiles, preventing payment interruptions for recurring billing.
- AI/ML Fraud Monitoring: Utilizes AI and machine learning to detect complex fraud patterns and anomalies in real-time, reducing false positives.
Support
- 24/7 Customer Support: Access to an award-winning support team via phone, online chat, and support cases, available 24/7 (excluding major holidays).
- Developer Center: Comprehensive resources for developers, including APIs, SDKs, documentation, and a sandbox testing environment for seamless integration.
- Knowledge Base: An extensive online support center with answers to common questions, instructions, and troubleshooting guides.
Technical Specifications
- Architecture
- Cloud-native SaaS
- Deployment
- Cloud/SaaS
- Authentication
- API Login ID, Transaction Key, Multi-Factor Authentication (MFA)
- API Available
- Yes
- MCP Server
- No
AI/ML Stack
- Machine Learning
- AI
Integrations
- WooCommerce
- Magento
- Shopify
- QuickBooks
- NetSuite
Security & Compliance
Certifications: PCI DSS, GDPR, HIPAA
Encryption: Industry-standard encryption for data at rest and in transit, 3D Secure, Tokenization.
Pricing
- Model
- Tiered subscription with transaction-based fees (All-in-One plan or Gateway Only plan).
- Starting Price
- All-in-One: 2.9% + $0.30 per transaction + $25/month. Gateway Only: $0 setup, $25/month, $0.10/transaction + $0.10 daily batch fee.
- Target Customer
- SMB to Enterprise, including high-risk merchants and those processing over $500K annually for custom rates.
- Contract Type
- No long-term contracts or early termination fees.
- Free Trial
- Yes, Sandbox account available for testing, specific free trial duration not specified. (credit card required)
About Authorize
Authorize.Net, established in 1996, is a leading provider of payment management solutions, processing billions of transactions. It functions as an online payment system and credit card payment processor, offering secure processing for various business needs including subscriptions and retail.