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Common Questions

There are no additional fees beyond the prices noted above. The Authorize.Net payment gateway does not have a contract or early termination fees.

A merchant account is a financial institution or bank account used by a merchant specifically for the purpose of collecting proceeds consumer bank account or credit card payment transactions.

A payment gateway is the infrastructure that enables you to accept credit cards from websites, terminals or mobile devices. Once a transaction is approved, your merchant account provider will process the funds and deposit them into your bank account. Payment gateways also provide merchants with transaction management, reporting and billing services.

No. A merchant account is a type of bank account that allows businesses to accept payments by payment cards, which are typically debit or credit cards. It’s similar to a credit line for your business to accept payments or issues refunds.

A merchant account is unique to you and your business. When you apply, the underwriter will look at your industry, your processing history (if any), your personal credit, your business’ creditworthiness, and other factors.  Once approved, your business can start accepting payments.

Is my PayPal account a merchant account? 

PayPal is not a merchant account.  It’s a third-party processor, and it aggregates all of its sellers’ accounts into one large merchant account. Because you are not the sole owner of this account, it cannot be used with the Authorize.Net gateway.

We offer a variety of payment options ranging from debit cards to credit transactions using Visa and MasterCard.

The Merchant Service Provider (MSP) facilitates transferring funds to your bank account. Funding time can vary depending on your MSP.  The industry average funding period is between 3-5 business days.

The Authorize.Net Payment Gateway is approved within a few minutes for a properly submitted application. However, in order to accept credit cards, you must have a merchant account.

If you have an existing merchant account, you can update your gateway with the parameters provided from your merchant provider and be ready to transact within minutes. 

Once a day, Authorize.Net takes all your transactions from the previous 24-hours and aggregates them into a “batch” which is then sent off to the processing networks. The daily batch fee is the fee assessed for this process.

No, the Authorize.Net payment gateway does not have a contract fee for early termination.