Authorize.net review
A broad payment gateway for established merchants, with a $25 monthly starting price.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Authorize.net is a paid payment gateway for businesses accepting payments online, in person, by phone, or through mobile devices. It suits established merchants that need more than basic card acceptance, including recurring billing, eCheck/ACH payments, digital wallets, invoicing, fraud controls, reporting, and stored customer payment data. Businesses can also use Virtual Terminal for phone and mail orders, hosted payment forms, and payment APIs.
Pricing is offered through two $25-per-month plans. All-in-one combines a merchant account and payment gateway, while Gateway only provides the payment gateway. The published plans show different transaction structures, but the monthly price is the same for both options. Merchant account requirements vary by payment setup and processor. Accounts require a merchant account or merchant bank account from a U.S. or Canadian merchant service provider, and each account is set to one currency.
The platform is available on the web and through an API, with SDKs and sample code for custom payment experiences. WooCommerce and WordPress are listed integrations, while payment support includes Visa, Mastercard, Discover, American Express, JCB, Diners Club, eCheck, Apple Pay, Google Pay, and PayPal. Authorize.net is a strong fit for merchants that want payment acceptance, recurring billing, risk controls, and transaction management in one service. Businesses seeking a free option or a broader listed integration ecosystem should consider alternatives.
Authorize.net pros and cons
- Where it wins
- Supports online, in-person, mobile, phone, and recurring payments
- Includes ACH, fraud detection, stored payment data, and reporting
- Offers APIs, SDKs, sample code, and hosted payment forms
- Where it doesn't
- No free plan is available
- The listed integrations focus on WooCommerce and WordPress
- Both plans carry a $25 monthly price
Authorize.net fact sheet, pricing and score →
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