US PRODUCT RESEARCH

Authorize.net

Payment gateway offered alone or with a merchant-account package.

Checked Oct 15, 2026 · 8 official sources · Desk research

Payment Processing

A GOOD FIT WHEN

Businesses evaluating a gateway with an existing or new merchant account.

Gateway-only choice
All-in-one alternative
Published US fee structure

LOOK MORE CLOSELY WHEN

You assume the gateway-only fee includes card processing.

Monthly gateway fee
Separate merchant charges on gateway-only
Additional services can add fees

CATEGORY-SPECIFIC EVIDENCE

Capabilities, controls and depth.

Scores combine core capabilities and workflow depth. Full support earns full points; limited support earns half. Unverified features create a range, and paid-plan requirements are shown in the evidence. How scoring works →

Payment Processing · 28 features

38–100/100 documented fit

Core capabilities18.4–32 / 32 pts5/10 checks with established status

Workflow depth20–68 / 68 pts4/18 checks with established status

Show checksShowing fewer rows does not change the score.

Payment Processing · 28 weighted capability checks
Feature / weight	Support, evidence & points
Core capabilityOnline payment checkoutAccept a customer payment through a hosted or integrated checkout. 4.8 points maximum	Supported4.8 / 4.8 pts The gateway supports online merchant payment collection. Official documentation · Oct 15, 2026Source
Core capabilityCards plus alternative methodsOffer card acceptance and at least one supported wallet or bank-payment method. 4.8 points maximum	Supported4.8 / 4.8 pts Recurring-payment documentation explicitly covers card and eCheck methods. Official documentation · Oct 15, 2026Source
Depth checkPartial refundsRefund less than the original payment and retain the remaining balance. 7.2 points maximum Ask for a demonstration Refund one item from a multi-item payment and show the remaining refundable amount. A scenario to run with the supplier; not a completed product test.	Supported7.2 / 7.2 pts Transaction details provide full or partial refund actions. Official documentation · Oct 15, 2026Source
Depth checkCustomer authentication controlsSupport an additional cardholder authentication flow such as 3D Secure. 7.2 points maximum Ask for a demonstration Run a payment that requires cardholder authentication and show the resulting status. A scenario to run with the supplier; not a completed product test.	Not verified0–7.2 / 7.2 pts The reviewed documentation does not establish this specific workflow: customer authentication controls. Not verified · Oct 15, 2026Source
Core capabilityInvoice-based collectionCreate or send an invoice for customer payment. 3.2 points maximum	Not verified0–3.2 / 3.2 pts Merchant invoice creation was not established by the reviewed recurring-payments source. Not verified · Oct 15, 2026Source
Core capabilityRecurring customer chargesSchedule repeat payments or subscriptions using stored payment credentials. 3.2 points maximum	Supported3.2 / 3.2 pts Automated Recurring Billing schedules card or eCheck charges. Official documentation · Oct 15, 2026Source
Depth checkFailed recurring payment recoveryRetry a failed renewal or provide a recovery workflow for an unpaid recurring charge. 4.8 points maximum Ask for a demonstration Fail a renewal and show the retry or payment recovery sequence. A scenario to run with the supplier; not a completed product test.	Supported4.8 / 4.8 pts Automatic Retry preserves suspended recurring subscriptions for recovery. Official documentation · Oct 15, 2026Source
Depth checkStop or pause recurring billingCancel or suspend future recurring charges without erasing payment history. 4.8 points maximum Ask for a demonstration Stop a subscription and show its history and next-charge state. A scenario to run with the supplier; not a completed product test.	Supported4.8 / 4.8 pts ARB documentation describes editing, suspension and cancellation of recurring subscriptions. Official documentation · Oct 15, 2026Source
Core capabilityTransaction-level reportsInspect payment, refund and fee records for reconciliation. 3.2 points maximum	Supported3.2 / 3.2 pts Reporting APIs expose gateway transaction history. Official documentation · Oct 15, 2026Source
Core capabilityPayout or settlement reportingConnect transactions with the settlement or payout reported by the provider. 3.2 points maximum	Not verified0–3.2 / 3.2 pts Gateway history does not itself establish merchant-bank payout reconciliation. Not verified · Oct 15, 2026Source
Depth checkGross, fees and net reconciliationInspect transaction or settlement records distinguishing gross collections, fees and net proceeds. 4.8 points maximum Ask for a demonstration Trace a payout to gross payments, fees and net proceeds. A scenario to run with the supplier; not a completed product test.	Not verified0–4.8 / 4.8 pts The reviewed documentation does not establish this specific workflow: gross, fees and net reconciliation. Not verified · Oct 15, 2026Source
Depth checkDispute evidence workflowReceive a dispute and submit or manage supporting evidence through a supported workflow. 4.8 points maximum Ask for a demonstration Open a dispute and show where evidence and response deadlines are managed. A scenario to run with the supplier; not a completed product test.	Not verified0–4.8 / 4.8 pts The reviewed documentation does not establish this specific workflow: dispute evidence workflow. Not verified · Oct 15, 2026Source
Core capabilityPayment APICreate or manage payment transactions using a documented developer API. 2.4 points maximum	Supported2.4 / 2.4 pts Payment, profile, recurring and reporting APIs are documented. Official documentation · Oct 15, 2026Source
Core capabilityPrebuilt checkout or connectorsUse a prebuilt payment component, checkout or supported connector. 2.4 points maximum	Not verified0–2.4 / 2.4 pts A prebuilt checkout component or connector needs a feature-specific source. Not verified · Oct 15, 2026Source
Depth checkWebhook delivery recoveryDocument delivery retries or a supported way to recover failed event notifications. 3.2 points maximum Ask for a demonstration Make an event endpoint fail and show retry or replay behavior. A scenario to run with the supplier; not a completed product test.	Supported3.2 / 3.2 pts Failed webhook notifications are retried up to ten times. Official documentation · Oct 15, 2026Source
Depth checkDuplicate payment request protectionUse a documented idempotency or duplicate-request mechanism when retrying payment requests. 4 points maximum Ask for a demonstration Submit the same payment request twice and show how duplication is prevented. A scenario to run with the supplier; not a completed product test.	Not verified0–4 / 4 pts The reviewed documentation does not establish this specific workflow: duplicate payment request protection. Not verified · Oct 15, 2026Source
Core capabilityMachine-learning fraud screeningUse explicitly documented machine learning to assess payment fraud risk. 2.4 points maximum	Not verified0–2.4 / 2.4 pts Fraud rules were found, but machine-learning fraud screening was not established. Not verified · Oct 15, 2026Source
Core capabilityAI payment acceptance optimizationUse documented AI or machine learning to improve authorization, authentication or retry decisions. 2.4 points maximum	Not verified0–2.4 / 2.4 pts AI payment-acceptance optimization was not established. Not verified · Oct 15, 2026Source
Depth checkExplain machine-learning risk flagsExpose risk indicators, reasons or review context for a machine-learning risk decision. 3.2 points maximum Ask for a demonstration Open an ML-flagged transaction and show the information available to a reviewer. A scenario to run with the supplier; not a completed product test.	Not verified0–3.2 / 3.2 pts AFDS rule results are documented, but ML-specific explanations were not established. Not verified · Oct 15, 2026Source
Depth checkHuman control over AI risk handlingAllow a merchant to review, override or configure the handling of machine-learning risk decisions. 4 points maximum Ask for a demonstration Show how staff review or change the handling of an ML risk flag. A scenario to run with the supplier; not a completed product test.	Not verified0–4 / 4 pts AFDS manual review exists; control of an explicitly ML-driven decision was not established. Not verified · Oct 15, 2026Source
Depth checkMeasure AI risk-model false positives on labelled paymentsDemonstrate “Measure AI risk-model false positives on labelled payments” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Measure AI risk-model false positives on labelled payments” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkAuthorise now and capture funds laterDemonstrate “Authorise now and capture funds later” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Authorise now and capture funds later” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkAccept a partial card authorisationDemonstrate “Accept a partial card authorisation” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Accept a partial card authorisation” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkIncrease an existing eligible authorisationDemonstrate “Increase an existing eligible authorisation” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Increase an existing eligible authorisation” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkRefresh network tokens after a card replacementDemonstrate “Refresh network tokens after a card replacement” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Refresh network tokens after a card replacement” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkConfigure the customer bank-statement descriptorDemonstrate “Configure the customer bank-statement descriptor” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Configure the customer bank-statement descriptor” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkRestrict API keys to specified payment operationsDemonstrate “Restrict API keys to specified payment operations” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Restrict API keys to specified payment operations” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source
Depth checkTrace and resolve a failed merchant payoutDemonstrate “Trace and resolve a failed merchant payout” with a sample record; show the result, permissions and required plan. 2.5 points maximum Ask for a demonstration Demonstrate “Trace and resolve a failed merchant payout” with a sample record; show the result, permissions and required plan. A scenario to run with the supplier; not a completed product test.	Not verified0–2.5 / 2.5 pts This specific check has not been verified. Missing evidence does not mean the capability is absent. Ask for a demonstration in the proposed plan. Not verified · Oct 21, 2026Source

Compare in Payment Processing →

AI CAPABILITY CHECK

What does its AI actually do?

Not independently verified

Fraud tools are documented, but specific AI functionality was not verified in the reviewed source.

Official AI source

Documented capabilities

Limits to check

Do not equate fraud rules with verified AI

Understand the full price

All-in-One $25/month plus 2.9% + $0.30; Gateway Only $25/month plus gateway transaction and batch fees.

Billing basis: monthly. Unit: month plus transaction fees. Currency: USD.

Merchant processing if gateway-only
eCheck and optional services
Account updater fees

Verify current pricing with the vendor

Integrations and deployment

Merchant account connections
Authorize.net APIs
Webhooks and customer profiles

Validate roles, export and retention against your own requirements; this profile is not a security certification.

US buying context

US product or US-facing official documentation reviewed. Confirm your required edition and account eligibility.

The evidence record

Card gateway with merchant-account options.

Official evidence

ARB schedules recurring card or eCheck payments without an additional monthly ARB fee.

Official evidence

Transaction reporting APIs expose gateway history; the complete bank reconciliation remains an implementation task.

Official evidence

Payment, customer-profile, recurring and reporting APIs are documented with sandbox resources.

Official evidence

Source library

Research is based on documentation, not a hands-on performance test. Report a correction.

EXPLORE THE ALTERNATIVES

Keep your options open.

Payment Processing alternatives · highest documented score first.

84–100/100 documented fit

Stripe

Payment infrastructure for hosted checkout, custom integrations and recurring revenue.

Good fit forBusinesses wanting developer flexibility alongside no-code payment options.

Usage basedsuccessful domestic online card transaction

View research

72–100/100 documented fit

Adyen

Payment platform for merchants coordinating methods, markets and risk operations.

Good fit forLarger merchants with an integration team and complex payment requirements.

Usage basedtransaction and method

View research

67–100/100 documented fit

PayPal

US checkout, wallet, card and recurring-payment services.

Good fit forMerchants adding PayPal and Venmo alongside card acceptance.

Usage basedtransaction by method

View research