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Payment processing solutions for every way you do business
Authorize.net gives small and mid-sized businesses a complete payment processing solution. With Authorize.net, you can now accept credit card payments, eChecks, and digital wallets online, in person, over the phone, or via mobile. One account. No contracts.
Payment processing solutions for every channel
Authorize.net's payment processing solutions cover every channel your business operates in. Whether you accept credit card payments online, process phone orders through virtual terminal, or sell in person with a card reader or Tap to Pay, every transaction runs through the same account, with real-time reporting and subscription management built in.
Website and online payments
Accept credit card payments, digital wallets, and echecks through your website, hosted payment form or full api integration available.
ACH and eCheck payments
Process electronic check payments directly from customers' bank accounts and enjoy lower rates than card transactions; ideal for recurring billing and B2B.
In-person card payments
Integrate a compatible reader to handle in-person transactions and start accepting chip cards, contactless options, and traditional swipes at your storefront or temporary pop-up shop.
Mobile and Tap to Pay
Phone and mail order payments
Process phone, mail, and fax orders securely with Virtual Terminal, full payment processing for orders taken completely offline.
Recurring and subscription billing
Automate recurring billing for subscriptions, memberships, and installment plans, set the schedule once, collect automatically.
Built-in tools for secure payment processing across every channel
Every Authorize.net plan includes advanced fraud detection, secure customer data storage, and comprehensive reporting for all online, in person, or phone payments. No add-ons. No extra configuration. Just secure payment processing solutions ready from day one.
Award-winning fraud protection, included at no extra cost
Authorize.net's Advanced Fraud Detection Suite (AFDS) is included with every online payment processing plan at no extra cost—no security team required. Every transaction is screened automatically, so you can focus on sales while we handle fraud. With a 4.8-out-of-5 rating from Forbes, Authorize.net delivers enterprise-grade protection built for small and medium-sized businesses.
Account Updater: Stop losing revenue to expired cards
When a customer's card number or expiration date changes, payments fail and most merchants never know why. Account Updater automatically refreshes stored card details in the background, so recurring billing and repeat purchases keep processing without interruption. For subscription businesses and merchants with recurring customers, this is one of the highest-ROI features on the platform, ensuring continuous revenue flow.
Customer Information Manager: Faster checkout for returning customers
Authorize.net's Customer Information Manager (CIM) securely stores customer payment details so returning buyers can checkout online or over the phone without re-entering their card information. Card data is stored in Authorize.net's PCI-compliant vault, keeping it off your servers entirely. Faster checkout means fewer abandoned transactions and more completed sales from the customers who already trust you.
Recurring payments: Automate billing across any payment channel
With Authorize.net's recurring billing functionality, you can effortlessly establish automated payment cycles for anything from memberships and subscriptions to installment-based plans and professional retainers. This flexible tool supports your customers' preferred payment methods on any schedule your operations demand. It also works in tandem with Account Updater to keep card details current, reducing your failed payment rate and securing recurring revenue.
New to payment processing? Start here.
Whether you're setting up payment processing for the first time or switching from another provider, our Ultimate Guide to the Payments Industry covers everything you need to know, from how credit card processing works online and in person to choosing the right payment processing solution for your business.
Accept all payment types your customers prefer: Cards, wallets and eChecks
Authorize.net supports all major forms of payment accepted by customers today, Visa, Mastercard, Amex, Discover, JCB, UnionPay, Apple Pay, PayPal, and eChecks, through a single payment processing account, whether you sell online, in person, or by phone. No separate setup per method. No additional fees for digital wallets.
Trusted by thousands of businesses for payment processing
More than 400,000 merchants rely on Authorize.net to process credit card payments online, in person, and over the phone. With 24/7 support, 99.9% uptime, and industry-leading fraud protection, Authorize.net is the payment processing solution small businesses trust to keep transactions running and revenue flowing.
Frequently asked questions
Payment processing is the system that authorizes and captures credit card and digital wallet payments, whether made online, in person, or over the phone. Authorize.net acts as the payment gateway that securely transmits transaction data between your business, your customer's bank, and the card networks, across every channel you sell through.
Sign up for an Authorize.net account, choose a plan, and connect to your preferred sales channel. You can:
- Integrate with your website using a hosted payment form or API
- Connect a compatible card reader for in-person sales
- Start taking phone or mail orders through Virtual Terminal
No additional hardware is required, and most businesses start processing payments within one to two business days.
Authorize.net offers payment processing for online stores, in-person card readers, Virtual Terminal for phone and mail orders, mobile Tap to Pay, eCheck/ACH processing, recurring billing, and digital invoicing, all from one account. Explore all payment types.
Authorize.net plans start at $25/month plus 2.9% + $0.30 per transaction. There are no setup fees and no early termination fees, regardless of which payment channel you use. Learn more about pricing.
Yes. Every plan includes the Advanced Fraud Detection Suite across all transaction types, online, in person, and by phone. Customer data is encrypted and stored securely, and Authorize.net is PCI DSS compliant.
Start accepting payments today
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