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Choose a Plan for Your Needs
Our plans require a payment gateway to connect to the Authorize.Net platform. A payment gateway is a service that authorizes payments. A merchant account is a bank account that assures you'll get paid when a customer purchases goods or services from you. Merchant account fees are billed separately by your merchant account provider of choice.
Recommended: All-in-One Option
If you don't have a merchant account (to ensure you get paid), select this option. We can set you up with both a merchant account and a payment gateway.
- No setup fee
- Monthly gateway: $25
- Per transaction 2.9% + 30¢
- See included plan features below
Payment Gateway Only
If you already have a merchant account, sign up for this plan. (You must have a merchant account to connect to the Authorize.Net platform):
- No setup fee
- Monthly gateway $25
- Per transaction 10¢, daily batch fee 10¢
- See included plan features below
Get in touch for details if you process more than $500K per year.
- Tailored pricing
- Data migration assistance
- Interchange plus options
- Nonprofit solutions (501c3)
INCLUDED IN ALL-IN-ONE + PAYMENT GATEWAY ONLY PLANS
The features below (except Account Updater and E-Check Processing) are included with the plans above. Account Updater and E-check offer more flexibility and payment processing options, but with additional costs. Learn about all the payment types we support.
What is the difference between a payment gateway and a merchant account?
A merchant account is a financial institution or bank account used by a merchant specifically for the purpose of collecting proceeds from a consumer bank account or credit card payment transactions.
A payment gateway is the infrastructure that enables you to accept credit cards and electronic check payments from websites, terminals or mobile devices. Payment gateways also provide merchants with transaction management, reporting and billing services.
You can use a Card Present (CP) merchant account to receive payments at a physical location where customers physically present a form of payment to you at the time of the transaction. By contrast, a Card Not Present (CNP) merchant account can be used to receive payments electronically (i.e., online payments), or in situations where consumers aren’t physically present at the time of the transaction.
Is my business bank account the same as a merchant account?
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 issue 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.
What forms of payment can you help me accept?
We offer a variety of payment options ranging from credit cards and e-checks to Visa Checkout and PayPal. You can find out more here: https://www.authorize.net/our-features/payment-types/
How long does it take for the funds to be deposited into my bank account?
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.
How long does the payment approval process take, and what is required?
Upon proper completion of the application, your Authorize.Net Payment Gateway account is approved automatically. However, in order to accept credit cards, you must have a merchant account, and approval for that account can be immediate or take from 1-5 business days or more depending on several factors, including industry, credit history and responsiveness.
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.
If you are applying for our "all-in-one" solution where we help to provide you with the merchant account, the approval process could be as quick as one hour if the application is "auto-approved".
What is a batch fee?
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.
Are there contract fees for early termination?
No, the Authorize.Net payment gateway does not have a contract fee for early termination.
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