Three easy steps to get started

1. Choose the plan that fits you.
2. Fill out the application (so we can start building your account).
3. Start getting paid.

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: $0 (waived for your first 12 months and then $25 per month after)
  • Per transaction 2.9% + 30¢
  • See included plan features below
  • See terms and conditions

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: $0 (waived for your first 12 months and then $25 per month after)
  • Per transaction 10¢, daily batch fee 10¢ 
  • See included plan features below
  • See terms and conditions

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 and Gateway-Only plans

The features below (except Account Updater and eCheck Processing) are included with the plans above at no additional cost to you. Account Updater and eCheck offer more flexibility and payment processing options, but with additional costs. Learn about all the payment types we support.

Advanced Fraud Detection Suite (AFDS)

Customer Information Manager (CIM)

Recurring payments

eCheck payments*

Invoicing

Account updater

Simple checkout

Frequently asked questions

There are no additional fees beyond the prices noted above. The plan prices automatically include the plan features with the exception of Account Updater and eCheck payments. Account Updater may incur additional costs, and the eCheck plan comes with additional services.

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 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.

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.

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 credit cards and digital eChecks to Visa Click to Pay and PayPal.

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 three to five business days.

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 one to five 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".

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.

A chargeback is a charge reversal initiated by the cardholder’s bank on behalf of the cardholder.

More ways to sign up

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Contact us

Just fill in a quick form and we'll respond to you within a business day.

 

 

Speak with us

One of our representatives will help you get started. Call us at 1-888-323-4289.

Authorize.net Commerce in a Box Offer Terms and Conditions

Eligibility: This Offer is available for merchants signing up for a new direct merchant ANET Payment Gateway account in North America (US and Canada) only (“You”). You may not be an existing customer of Authorize.net LLC (“ANET”) or Cybersource Corporation (an ANET affiliate, “CYBS”), nor had an ANET account or CYBS account within the past 30 days. If You have taken an offer previously, You may be ineligible for this Offer. You may also be ineligible for this Offer, if You previously had an account with ANET or CYBS that was terminated by ANET or CYBS. An ANET account created by anyone other than You, the merchant, is not eligible, including but not limited to any account created or intended to be managed by a third party that is not You. Offer may only be redeemed once per merchant. 

Offer Period: The Offer is available for a limited time only. Offer begins on June 1, 2021 at 12:00am and ends on December 31, 2021 at 11:59pm in all United States based time zones (ET, CT, MT, PT, HT). ANET reserves the right to terminate or amend the Offer at any time and for any reason without notice. After such time of termination, ANET shall not be obligated to redeem any further Offer accounts.

Offer: ANET offers You access to use the Payment Gateway service (as defined in the Agreement) under the following terms (the “Offer”): (1) ANET monthly gateway fees are waived for the first 12 months of service. By signing up for the Offer and providing Your payment card, You acknowledge and agree that after first year of service, You will be automatically charged the then-current ANET standard monthly gateway fees. During the first month of service, ANET transaction fees and any costs for add-on Authorize.net features to Your Payment Gateway service still apply. After the first 12 months You will be automatically subject to the then-current ANET standard gateway fees, add-on service fees and transaction fees until You terminate Your Agreement. Any other fees, including but not limited to those charged by the acquirer, processor, or other third parties are separate fees and are not included with the Offer. A merchant account with an acquirer is required to use your merchant Payment Gateway account. At Your request, ANET may assist You to find an acquirer for an additional fee as per the Agreement. Details regarding the Payment Gateway service plan can be found at: https://www.authorize.net/sign-up/pricing.html. If You wish to terminate Your Agreement You may do so in accordance with the terms of the Agreement. There are no cash equivalents or substitutes for this Offer. This Offer is subject to Your acceptance of and compliance with the Authorize.net Payment Gateway Merchant Service Agreement (the “Agreement”) and the Authorize.net Commerce in a Box Terms and Conditions set forth herein.

Third party offers made as part of the Commerce In A Box promotion are made by those third parties and are not made by Authorize.net or its affiliates. Please direct all inquiries to the applicable third party.