Payment gateway
Authorize.net is a payment gateway owned by Visa through Cybersource. US and Canadian businesses use it on its own with an existing merchant account, or in an All-in-One plan that bundles a merchant account.
Strengths
Watch out for
Best for
US or Canadian merchants who already have, or need to keep, their own merchant account and want a widely supported gateway in front of it.
| Type | Payment gateway |
|---|---|
| Pricing model | subscription + per-transaction |
| Card rate | 2.9% + 30¢ (All-in-One plan, subject to eligibility) |
| International | Not published |
| Monthly fee | $25 |
| Setup fee | $0 |
| Chargeback fee | $0 gateway chargeback fee in Authorize.net's fee table; eCheck chargebacks are $25 |
| High-risk businesses | Not published |
|---|---|
| Dropshipping | Not published |
| Reserves | Not published |
| Payout speed | Typically 2-3 business days after the daily batch settles |
|---|---|
| Merchant countries | US and Canada (requires a merchant account from a US or Canada-based provider; other countries are referred to Cybersource) |
| Currencies | One currency per account; USD, CAD or both depending on the processor connection |
| Shopify | Third-party gateway |
|---|---|
| WooCommerce | Yes |
| Subscriptions | Yes |
| One-click upsells | Not published |
| Apple Pay | Yes |
| Multiple MIDs | Not published |
| Token portability | Not published |
Gateway Only plan: $25/month plus 10¢ per transaction and a 10¢ daily batch fee, with processing billed by your own merchant account provider. Account Updater is $0.25 per update. The eCheck plan is 0.75% with a $10 monthly minimum. No contract or early termination fee.
Authorize.net does not publish a prohibited or restricted business list. On the Gateway Only plan, underwriting and risk rules come from your merchant service provider, not Authorize.net.
Batches close once a day (default cut-off 3:00 PM PST). Your merchant service provider handles deposits, so timing varies, and some offer next-day funding.
Shopify has a setup guide for Authorize.net as a third-party payment provider; Shopify's third-party transaction fees apply. WooCommerce has a free Authorize.net plugin from the Authorize.net team and a paid one from SkyVerge.
Authorize.net sources · checked 2026-10-21