Everything you need to start accepting payments
All-in-one
Gateway only
Automated Recurring Billing
Customer Information Manager
Digital Invoicing
Advanced Fraud Detection Suite
Multiple payment types
Gateway
Merchant account
All-in-one
Includes everything you need to accept payments.
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.
Are there any additional fees?
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.
Is my PayPal account 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 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 business bank account the same as a merchant account?
What is the difference between a payment gateway and a merchant account?
We offer a variety of payment options ranging from credit cards and digital eChecks to PayPal.
What forms of payment can you help me accept?
Business bank account enabling you to accept credit card payments.
Start billing subscriptions without any development or customizations.
No integration required.
Award winning fraud protection (Forbes 2025).
Credit, Debit, eCheck, Digital Wallets, Apple Pay, Google Pay.
On-demand, synthesized data delivering real-time information, reduce shopping card abandonments.
Pay by Virtual Terminal, eCheck, or Digital Wallet.
AI agent + reporting and analytics
AI agent + reporting and analytics
Customer Information Manager
Advanced Fraud Detection Suite
Gateway
Digital Invoicing
Automated Recurring Billing
Multiple payment types
Gateway only
Includes everything you need to accept payments.
Start billing subscriptions without any development or customizations.
No integration required.
Award winning fraud protection (Forbes 2025).
On-demand, synthesized data delivering real-time information, reduce shopping card abandonments.
Credit, Debit, eCheck, Digital Wallets, Apple Pay, Google Pay.
Pay by Virtual Terminal, eCheck, or Digital Wallet.
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.
A chargeback is a charge reversal initiated by the cardholder’s bank on behalf of the cardholder.
What is a chargeback?
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.
What is a batch fee?
No, the Authorize.net payment gateway does not have a contract fee for early termination.
Are there contract fees for early termination?
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.
How long does it take for the funds be to be deposited into my bank account?
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".
How long does the application process take, and what is required?
Process more than $500K per year?
Trusted by customers and recognized as a G2 leader
Get in touch if you process more than $500K per year. We can help with tailored pricing, data migration assistance, interchange plus options, and nonprofit solutions (501c3).
Call us
Call us
One of our representatives will help you get started. Call us at 1-888-323-4289.
Speak with us
Contact us
Just fill in a quick form and we'll respond to you within a business day.
Contact us
Find a reseller partner
Our partners will work with you to ensure you have everything you need.
Sign up through a partner
More ways to sign up
Authorize.net is a Registered ISO of Wells Fargo Bank, N.A., Concord, CA. Badges used in compliance with terms and conditions set forth by G2 market reports and G2 Best Commerce Products for 2024.
See how we’ve reimagined Authorize.net
Gateway only
All-in-one
Call us
Get in touch if you process more than $500K per year. We can help with tailored pricing, data migration assistance, interchange plus options, and nonprofit solutions (501c3).
Process more than $500K per year?
Call us
One of our representatives will help you get started. Call us at 1-888-323-4289.
Speak with us
Contact us
Just fill in a quick form and we'll respond to you within a business day.
Contact us
Find a reseller partner
Our partners will work with you to ensure you have everything you need.
Sign up through a partner
Trusted by customers and recognized as a G2 leader
Authorize.net is a Registered ISO of Wells Fargo Bank, N.A., Concord, CA. Badges used in compliance with terms and conditions set forth by G2 market reports and G2 Best Commerce Products for 2024.
More ways to sign up
A chargeback is a charge reversal initiated by the cardholder’s bank on behalf of the cardholder.
What is a chargeback?
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.
What is a batch fee?
No, the Authorize.net payment gateway does not have a contract fee for early termination.
Are there contract fees for early termination?
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.
How long does it take for the funds be to be deposited into my bank account?
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".
How long does the application process take, and what is required?
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.
Is my PayPal account a merchant account?
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.
Are there any additional fees?
We offer a variety of payment options ranging from credit cards and digital eChecks to PayPal.
What forms of payment can you help me accept?
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 business bank account the same as 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.
What is the difference between a payment gateway and a merchant account?
Frequently asked questions
See how we’ve reimagined Authorize.net
Sign up now
Gateway only
2.9% + 30¢ per transaction1
Sign up now
$25 per month
All-in-one
Need to accept credit card payments?
RECOMMENDED
AI agent + reporting and analytics
Customer Information Manager
Advanced Fraud Detection Suite
Gateway
Digital Invoicing
Automated Recurring Billing
Multiple payment types
Gateway only
Includes everything you need to accept payments.
AI agent + reporting and analytics
Customer Information Manager
Advanced Fraud Detection Suite
Gateway
Digital Invoicing
Automated Recurring Billing
Multiple payment types
Merchant account
All-in-one
Includes everything you need to accept payments.
Everything you need to start accepting payments
Start billing subscriptions without any development or customizations.
No integration required.
Award winning fraud protection (Forbes 2025).
On-demand, synthesized data delivering real-time information, reduce shopping card abandonments.
Credit, Debit, eCheck, Digital Wallets, Apple Pay, Google Pay.
Pay by Virtual Terminal, eCheck, or Digital Wallet.
Start billing subscriptions without any development or customizations.
No integration required.
Award winning fraud protection (Forbes 2025).
On-demand, synthesized data delivering real-time information, reduce shopping card abandonments.
Credit, Debit, eCheck, Digital Wallets, Apple Pay, Google Pay.
Pay by Virtual Terminal, eCheck, or Digital Wallet.
Business bank account enabling you to accept credit card payments.
Gateway only
Gateway only
All-in-one
All-in-one
Questions? Speak to a human.
Call 1-888-323-4289
Questions? Speak to a human.
Call 1-888-323-4289
Already accepting credit card payments?
Call 1-888-323-4289
Questions? Speak to a human.
10¢ per transaction + daily batch fee 10¢
$25 per month
2.9% + 30¢ per transaction2
$25 per month
Sign up now
Gateway only
Already accepting credit card payments?
2.9% + 30¢ per transaction1
$25 per month
Need to accept credit card payments?
All-in-one
RECOMMENDED
Sign up now
24x7 Live support
10¢ per transaction + daily batch fee 10¢
1 Subject to eligibility.