Authorize.net
A $25-a-month payment gateway for online and phone sales: the All-in-one plan is 2.9% + 30¢ with a merchant account included, and there is no contract
Rates verified October 14, 2026See pricingThe Bottom Line
- Online card rate
- 2.9% + 30¢ (verified Oct 14, 2026). All rates and fees
Key facts
- All-in-one: $25 a month plus 2.9% + 30¢ per transaction, merchant account included (subject to eligibility).
- Gateway only: $25 a month plus 10¢ per transaction and a 10¢ daily batch fee; you bring your own merchant account.
- No setup fee, and no contract or early termination fee for the gateway.
Pros
- One flat rate on the All-in-one plan, with the merchant account included
- No setup fee, no contract and no early termination fee for the gateway
- Recurring billing, invoicing, customer vault and fraud filters at no extra monthly fee
- Bank-debit (eCheck) payments at 0.75% with no per-transaction fee
Cons
- $25 a month on every plan, even in a month with no sales
- The 2.9% + 30¢ All-in-one rate is subject to eligibility, and the merchant account may have separate terms
- No published in-person rate, and card readers come from a partner
- Funding time depends on the merchant account provider and is not guaranteed
At a glance
Rates verified October 14, 2026- Pricing model
- Flat rate
- Online card rate
- 2.9% + 30¢ (All-in-one plan, merchant account included; Authorize.net shows one rate per transaction and calls it subject to eligibility)
- Keyed-in rate
- 2.9% + 30¢ (All-in-one plan, Virtual Terminal; the same single rate per transaction)
- Monthly fee
- $25 a month on every tier
- Free plan
- No
- Bank (ACH) payments
- 0.75%
- Refunds
- The gateway's 10¢ per-transaction fee is charged on charges, refunds, voids and declines.
- Payout speed
- Set by the merchant account provider. Authorize.net says funds typically arrive within 2 to 3 business days after your daily batch settles, and that the industry average is 3 to 5 business days; some providers offer next-day funding.
- Contract
- The Authorize.net payment gateway has no contract requirement and no early termination fees. If you applied for a merchant account through the All-in-one plan, that merchant account may have separate terms that can be reviewed at signup.
- Early termination
- None for the gateway: Authorize.net says there is no contract requirement and no early termination fees. The All-in-one merchant account may have separate terms shown at signup.
- Holds and reserves
- Authorize.net says it uses a dedicated merchant account rather than pooling merchants, so funds follow a predictable path with a low risk of holds or unexpected delays. The merchant account is underwritten: the underwriter looks at your industry, processing history, personal credit and your business's creditworthiness, and the All-in-one plan is subject to eligibility.
- Best for
- Online sellers
- Other fees to know
- Gateway only plan: $25 a month + 10¢ per transaction + 10¢ daily batch fee; merchant account not included; Setup fee: $0; eCheck (bank debit): 0.75% per transaction on the Gateway + eCheck plan, no per-transaction fee, $10 monthly minimum, U.S.-based businesses only; Returned eCheck: $3.00; eCheck chargeback: $25.00; Gateway chargeback fee: $0.00 for card payments; the merchant account may charge its own; PCI fee: none in Authorize.net's gateway fee table; Account Updater: $0.25 per update; Late payment of account fees: $20.00; Returned payment on account fees: $25.00
- Countries
- Authorize.net says it supports businesses based in the United States, Canada, the United Kingdom, Europe and Australia; the prices read here are its US prices in dollars, and eCheck is only available to U.S.-based businesses
Sources: authorize.net/sign-up/pricing.html, authorize.net/payments/ecommerce.html, read October 14, 2026
Is it worth it?
About $365 online a month in fees on $10,000 of card sales
A business taking $10,000 a month in card payments, in about 167 sales of $60, would pay about $365 if every sale is online (All-in-one plan at 2.9% + 30¢, plus $25 a month). Hardware, PCI fees, chargebacks and other fees are not included, and rates change, so the date above matters.
Read this before you sign up
- Authorize.net is a payment gateway. Only the All-in-one plan includes a merchant account, and Authorize.net marks its 2.9% + 30¢ rate as subject to eligibility; the merchant account may have separate terms shown at signup.
- The $25 monthly fee applies on every plan, including in months with no sales.
- The Gateway only plan has no processing rate: your merchant account provider charges its own, and Authorize.net adds 10¢ per transaction and a 10¢ daily batch fee.
- The gateway's 10¢ per-transaction fee is charged on charges, refunds, voids and declines.
- Authorize.net lists in-person transactions as 'N/A (gateway only)' and publishes no in-person rate; card readers are bought from a partner.
- Funding time depends on the merchant account provider: one answer on the page says 2 to 3 business days after the daily batch settles, another gives a 3 to 5 business day industry average.
- A chargeback fee for the merchant account is not published (the gateway's own chargeback fee is $0.00).
- eCheck needs the Gateway + eCheck plan, is only available to U.S.-based businesses, and has a $10 monthly minimum and a $25.00 chargeback fee.
Where these numbers come from
Every rate and price on this page was read from the vendor's own pages on the dates below. Vendors change prices without notice, so check the current figure on their site before you decide.
- All-in-one $25 a month + 2.9% + 30¢ (subject to eligibility), Gateway only $25 + 10¢ + 10¢ batch, Gateway + eCheck, full gateway fee table, no contract or early termination fee, funding and underwriting FAQs Vendor page (2026-10-14)
- Second page: eCommerce plans start at $25 a month plus 2.9% + $0.30 per transaction, no setup fees, no long-term contracts, cross-border support, shopping cart plugins Vendor page (2026-10-14)
- Mobile app needs an active gateway account, standard fees apply, card reader bought from a partner Vendor page (2026-10-14)
- Windows virtual point of sale with a compatible card reader Vendor page (2026-10-14)
- eCheck payments Vendor page (2026-10-14)
What is Authorize.net?
Authorize.net is a payment gateway, the software that carries a card payment from your website, phone order or invoice to the bank. Its All-in-one plan bundles that gateway with a merchant account for $25 a month plus 2.9% + 30¢ per transaction, a price Authorize.net says is subject to eligibility. If you already have a merchant account, the Gateway only plan is $25 a month plus 10¢ per transaction and a 10¢ daily batch fee, and your merchant account provider charges its own processing rate on top.
There is no setup fee, and Authorize.net says the gateway has no contract requirement and no early termination fees. Bank-debit (eCheck) payments cost 0.75% on the Gateway + eCheck plan. Funding speed depends on the merchant account provider; Authorize.net says funds typically arrive within 2 to 3 business days after the daily batch settles. Recurring billing, invoicing, a customer vault and fraud filters carry no extra monthly fee.
One thing to know: the $25 monthly fee is charged on every plan whether or not you sell anything, and Authorize.net publishes no in-person card rate, so it fits online, phone and invoice sales better than a shop counter.
Key details
All-in-one plan: gateway plus merchant accountGateway only plan for businesses that already have a merchant accountVirtual Terminal for phone and keyed ordersRecurring billing, digital invoicing and a customer vault at no extra monthly feeAdvanced Fraud Detection Suite at no extra monthly feeeCheck (bank debit) payments at 0.75% on the Gateway + eCheck planPlugins for Shopify, WooCommerce, BigCommerce, Magento and 170+ other shopping carts24/7 live support
Explore more
Authorize.net FAQ
How much does Authorize.net cost?
The All-in-one plan is $25 a month plus 2.9% + 30¢ per transaction and includes a merchant account, subject to eligibility. The Gateway only plan is $25 a month plus 10¢ per transaction and a 10¢ daily batch fee, and you need a separate merchant account. There is no setup fee. Checked on Authorize.net pricing page on October 14, 2026.
What is the difference between a payment gateway and a merchant account?
Authorize.net explains that a gateway securely carries payment data between the customer, your website or terminal and the payment networks, while a merchant account holds your funds after a payment is approved, before they move to your bank. The All-in-one plan includes both; the Gateway only plan connects to a merchant account you already have. Checked on Authorize.net pricing page on October 14, 2026.
Is there a contract with Authorize.net?
Authorize.net says the payment gateway has no contract requirement and no early termination fees, and that you can cancel at any time without penalty. If you got a merchant account through the All-in-one plan, that account may have separate terms you can review at signup. Checked on Authorize.net pricing page on October 14, 2026.
Can I take card payments in person with Authorize.net?
Authorize.net lists in-person transactions as 'N/A (gateway only)' and publishes no in-person rate. It does offer a mobile app and a Windows virtual point-of-sale app that work with a compatible card reader you buy from a partner, and standard Authorize.net and transaction fees apply. Checked on Authorize.net pricing page on October 14, 2026.
How fast do I get paid with Authorize.net?
The merchant account provider moves the money, so timing varies. Authorize.net says funds typically arrive within 2 to 3 business days after your daily batch settles, and in another answer that the industry average funding period is between three and five business days. Some providers offer next-day funding. Checked on Authorize.net pricing page on October 14, 2026.
Can I accept bank payments (eCheck) with Authorize.net?
Yes, on the Gateway + eCheck plan: $25 a month, 0.75% per eCheck with no per-transaction fee and a $10 monthly minimum for eCheck processing, for U.S.-based businesses only. A returned eCheck costs $3.00 and an eCheck chargeback $25.00. Checked on Authorize.net pricing page on October 14, 2026.
Source: authorize.net