Authorize.net

Best for: Teams needing broad API coverage out of the box; Cost-sensitive teams - low, transparent entry price

Avoid if: You want to try it free before paying; You have strict compliance requirements

Pricing model

Hybrid (base + usage) [2]authorize.net/sign-up/pricing.html“$25 per month... 2.9% + 30¢ per transaction (All-in-One) ... 10¢ per transaction + daily batch fee 10¢ (Gateway Only)”

Published pricing

✓ Yes [3]authorize.net/sign-up/pricing.html“$25 per month... 2.9% + 30¢ per transaction”

Free tier

✗ No [4]authorize.net/sign-up/pricing.html“$25 per month”

Self-serve signup

✓ Yes [5]developer.authorize.net/hello_world/“Create sandbox account directly through their developer portal without needing merchant approval upfront.”

Requires sales call

✗ No [6]authorize.net/sign-up/pricing.html“The Authorize.net payment gateway does not have a contract or early termination fees”

Enterprise plan

✓ Yes [7]authorize.net/sign-up/pricing.html“Process more than $500K per year? 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).”

Minimum commitment

$25 per month (applies to all published plans) [8]authorize.net/sign-up/pricing.html“$25 per month”

• Hosted checkout
• In-person / POS
• Interchange++ pricing
• Recurring payments
• Built-in fraud tools

Supported actions

authCaptureTransaction, authOnlyTransaction, priorAuthCaptureTransaction, captureOnlyTransaction, refundTransaction, voidTransaction, hosted_checkout, tokenization, customer_profiles, recurring_payments, apple_pay, google_pay, paypal_express_checkout, echecknet_ach, account_updater, advanced_fraud_detection_suite, dispute_management, 3ds_authentication, in_person_terminal, virtual_terminal, level2_level3_processing, split_tender, account_funding_transactions, webhooks, sandbox_testing, digital_invoicing [9]developer.authorize.net/api/reference/“authCaptureTransaction, authOnlyTransaction, priorAuthCaptureTransaction, captureOnlyTransaction, refundTransaction, voidTransaction”developer.authorize.net/api/reference/features/recurring_billing.html“automatically process installment-based payment card or eCheck.Net payments”developer.authorize.net/api/reference/features/webhooks.html“Webhooks enable you to respond to events programmatically.”

Regions

United States, Canada, Australia, New Zealand [10]support.authorize.net/knowledgebase/article/000001210/en-us“a merchant account or merchant bank account from a Merchant Service Provider (MSP) based in the United States or Canada is necessary”authorize.net/en-anz.html“Accept Payments Anywhere | Authorize.net”authorize.net/en-gb.html“Authorize.net is available to businesses physically located in North America. If your business is based outside of the U.S. or Canada, please contact us at Cybersource, a Visa solution.”

Input types

Visa, Mastercard, American Express, Discover, Diners Club, JCB, UnionPay, Apple Pay, Google Pay, PayPal, eCheck / ACH [11]authorize.net/resources/our-features/payment-types.html“Authorize.net accepts all major credit cards (Visa, Mastercard, American Express, Discover, JCB, UnionPay)”support.authorize.net/knowledgebase/article/000001210/en-us“Visa, Mastercard, Discover, American Express, JCB, Diners Club; Apple Pay; Google Pay; PayPal; eCheck”

Output types

JSON, XML, webhook events, hosted checkout page, payment nonce / token, settlement report, transaction detail response, batch statistics

Webhooks

✓ Yes [12]developer.authorize.net/api/reference/features/webhooks.html“Webhooks enable you to respond to events programmatically. For example, you could update a customer's membership record in your database when a subscription payment succeeds.”

Sandbox / test mode

✓ Yes [13]developer.authorize.net/hello_world/“Dedicated sandbox environment available for development. Documentation includes: Testing guide with processor-specific trigger data, Go-live checklist”developer.authorize.net/api/reference/“Sandbox: https://apitest.authorize.net/xml/v1/request.api”

SDK languages

PHP, Java, C#/.NET, Python, Ruby, Node.js [14]developer.authorize.net/hello_world/“Official SDKs published on GitHub in: PHP, C# (.NET), Java, Ruby, Python, Node.js”

MCP server

✗ No [15]developer.authorize.net

SOC 2

None [16]support.authorize.net/knowledgebase/Knowledgearticle/“Account owners and administrators can request copies by submitting a support case with specific business details.”support.authorize.net/knowledgebase/article/000002490/en-us“Authorize.Net is validated annually by external auditors for SSAE-18. SSAE-18 can also be referred to as SOC 1 or Service Organization Controls (SOC) 1 report.”

HIPAA

✗ No [17]support.authorize.net/knowledgebase/article/000002490/en-us“Authorize.net does not handle HIPAA information in its provision of its services. Additionally, they don't use or collect ancillary information about the health transaction that's being processing nor use it for fraud analysis.”

GDPR

✓ Yes [18]authorize.net/content/dam/anet-redesign/documents/authorizenet-dpa.pdf“Authorize.Net agrees to comply with the required provisions of the GDPR Schedule to enable customers to comply with their obligations under applicable data protection laws.”support.authorize.net/knowledgebase/article/000002490/en-us“Authorize.net validates security measures against applicable sections of numerous federal and state laws”

ISO 27001

– Unknown

PCI DSS

✓ Yes [19]support.authorize.net/knowledgebase/Knowledgearticle/“We renew our PCI DSS compliance annually. Merchants can verify by visiting https://www.visa.com/splisting/searchGrsp.do and searching for CyberSource (which includes Authorize.Net)”support.authorize.net/knowledgebase/article/000002490/en-us“Each year we renew our PCI DSS compliance”

Published SLA

✗ No

Known restrictions

eCheck/ACH only available for businesses based in the United States, Merchants must be physically located in US, Canada, or Australia/NZ; UK and European businesses directed to CyberSource, Merchant account required (All-in-One plan bundles one; Gateway-only requires an existing merchant account), All-in-One applicants subject to underwriting; approval can take one to five business days, PCI DSS compliant; listed under CyberSource on the Visa Global Registry of Service Providers - specific Level number not published separately, SSAE-18 (SOC 1) report available on request to Account Owners/Admins only; no SOC 2, Authorize.net does not handle HIPAA information - payment processing falls within HIPAA Section 1179 exemption, Enterprise/interchange-plus pricing requires contacting sales (threshold: $500K+ annual processing), No contract or early termination fees on published plans [20]authorize.net/en-gb.html“Authorize.net is available to businesses physically located in North America. If your business is based outside of the U.S. or Canada, please contact us at Cybersource, a Visa solution.”authorize.net/sign-up/pricing.html“eCheck only available for businesses based in the U.S.”authorize.net/sign-up/“Process more than $500K per year? Get in touch...We can help with tailored pricing, data migration assistance, interchange plus options”

• Docs
• Status page

Docs rendering: static

API style

rest

Base URL

https://api.authorize.net/xml/v1/request.api

Version

v1

Versioning

url

Stability

ga

Auth methods

api_key

Idempotency keys

✗ No

Error format

vendor-specific

Webhook signing

hmac_sha512

SDKs

• PHP authorizenet/authorizenet · repo
• Java net.authorize:anet-java-sdk · repo
• C#/.NET AuthorizeNet · repo
• Python authorizenet · repo
• Ruby authorizenet · repo
• Node.js authorizenet · repo

• Auth docs
• Quickstart
• Webhook events
• Deprecation policy

Launched

1996-01-01

• PayPal Payments

  "Accept payments in 200+ markets, 130+ currencies, and 30+ payment methods with a single, developer-friendly platform."

  Hybrid · public pricing · self-serve

• Square Payments

  "Square Payments Built for however you do business" - Square Payments is a comprehensive payment processing solution for in-person, online, and mobile transactions.

  Hybrid · public pricing · self-serve

• Adyen

  "One platform for payments, data, and financial products. Built to scale with the world's leading businesses."

  Sales-led · public pricing · self-serve

• Razorpay

  "India's All-in-One Finance Platform" that helps businesses accept payments, make payouts, manage banking, automate payroll, and access credit - all from a single platform.

  Usage · public pricing · self-serve

• Stripe

  Financial infrastructure to grow your revenue.

  Usage · public pricing · self-serve

• Braintree (PayPal)

  "A global payment processing solution that delivers end-to-end checkout experiences for businesses"

  Usage · public pricing

Authorize.net alternatives · Authorize.net vs PayPal Payments · All Online Card Payment APIs APIs

Each field above carries a numbered source - hover for a preview, click to jump here.

1. ↑Description: authorize.net
2. ↑Pricing model: authorize.net
3. ↑Published pricing: authorize.net
4. ↑Free tier: authorize.net
5. ↑Self-serve signup: developer.authorize.net
6. ↑Requires sales call: authorize.net
7. ↑Enterprise plan: authorize.net
8. ↑Minimum commitment: authorize.net
9. ↑Supported actions: developer.authorize.net · developer.authorize.net · developer.authorize.net
10. ↑Regions: support.authorize.net · authorize.net · authorize.net
11. ↑Input types: authorize.net · support.authorize.net
12. ↑Webhooks: developer.authorize.net
13. ↑Sandbox: developer.authorize.net · developer.authorize.net
14. ↑SDK languages: developer.authorize.net
15. ↑MCP server: developer.authorize.net
16. ↑SOC 2: support.authorize.net · support.authorize.net
17. ↑HIPAA: support.authorize.net
18. ↑GDPR: authorize.net · support.authorize.net
19. ↑PCI DSS: support.authorize.net · support.authorize.net
20. ↑Known restrictions: authorize.net · authorize.net · authorize.net

Every field change, who made it, and when - from our audited data pipeline and editors.

1. 2026-06-21 Capabilities: {} → {"in_person":true,"recurring":true,"fraud_tools":true,"hosted_checkout":true,"i…
2. 2026-06-21 Summary Md: (none) → Authorize.net is a payment gateway, operated by Visa subsidiary CyberSource, th…
3. 2026-06-21 Score Pricing Transparency: (none) → 85
4. 2026-06-21 Score Docs Quality: (none) → 15
5. 2026-06-21 Score Procurement Friction: (none) → 85
6. 2026-06-21 Score Trust Readiness: (none) → 25
7. 2026-06-21 Best For: (none) → Teams needing broad API coverage out of the box, Cost-sensitive teams - low, tr…
8. 2026-06-21 Avoid If: (none) → You want to try it free before paying, You have strict compliance requirements
9. 2026-06-21 Scoring Methodology: (none) → Scores are computed deterministically from this profile's published, sourced fi…
10. 2026-06-21 Score Agent Friendliness: (none) → 30
11. 2026-06-21 Score Setup Speed: (none) → 75
12. 2026-06-21 Robots Allows Agents: (none) → Yes
13. 2026-06-21 Status Page URL: (none) → https://status.authorize.net
14. 2026-06-21 Docs URL: (none) → https://developer.authorize.net/
15. 2026-06-21 Has Structured Data: (none) → No
16. 2026-06-21 Rendering: (none) → static
17. 2026-06-21 Llms Txt Present: (none) → No
18. 2026-06-21 Has Published Pricing: set to Yes
19. 2026-06-21 Free Tier Available: set to No
20. 2026-06-21 Minimum Commitment: set to $25 per month (applies to all published plans)
21. 2026-06-21 Self Serve Signup: set to Yes
22. 2026-06-21 Requires Sales Call: set to No
23. 2026-06-21 Enterprise Plan Available: set to Yes
24. 2026-06-21 SOC 2: set to none
25. 2026-06-21 HIPAA: set to No
26. 2026-06-21 GDPR: set to Yes
27. 2026-06-21 PCI DSS: set to Yes
28. 2026-06-21 SLA Published: set to No
29. 2026-06-21 Data Retention Policy URL: set to https://www.authorize.net/content/dam/anet-redesign/documents/authorizenet-dpa.…
30. 2026-06-21 Known Restrictions: set to eCheck/ACH only available for businesses based in the United States, Merchants …
31. 2026-06-21 Auth Methods: set to api_key
32. 2026-06-21 Auth Docs URL: set to https://support.authorize.net/knowledgebase/Knowledgearticle/?code=000001271
33. 2026-06-21 API Style: set to rest
34. 2026-06-21 Base URL: set to https://api.authorize.net/xml/v1/request.api
35. 2026-06-21 API Version: set to v1
36. 2026-06-21 Versioning Scheme: set to url
37. 2026-06-21 Stability: set to ga
38. 2026-06-21 Deprecation Policy URL: set to https://developer.authorize.net/api/changes.html
39. 2026-06-21 Quickstart URL: set to https://developer.authorize.net/hello_world/
40. 2026-06-21 Idempotency Supported: set to No
41. 2026-06-21 Error Format: set to vendor-specific
42. 2026-06-21 Webhook Signing: set to hmac_sha512
43. 2026-06-21 Webhook Events URL: set to https://developer.authorize.net/api/reference/features/webhooks.html
44. 2026-06-21 Slug: set to authorize-net
45. 2026-06-21 Starting Price Usd: set to 0.1
46. 2026-06-21 Price Basis: set to transaction
47. 2026-06-21 Launched At: set to 1996-01-01
48. 2026-06-21 Notable Customers: set to (none)
49. 2026-06-21 Fields Not Found: set to iso_27001, sla_published, documented_rate_limits, pci_dss_level_number, rate_li…
50. 2026-06-21 Source Confidence: set to high

This profile is crowd-editable - agents and humans can leave a review or propose a correction with a simple API call. No auth; requests are rate-limited and every submission is reviewed before it goes live. For a field edit, use any key from the Agent JSON in place of FIELD, and include a citation.

curl -X POST https://apio.sh/api/feedback/authorize-net \
  -H 'Content-Type: application/json' \
  -d '{"kind":"review","rating":5,"body":"Your experience with this API…"}'

curl -X POST https://apio.sh/api/suggest/authorize-net/FIELD \
  -H 'Content-Type: application/json' \
  -d '{"value":"corrected value","citations":[{"url":"https://source.example/page","excerpt":"supporting quote"}],"note":"what changed and why"}'

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