# Alternatives to Authorize.net

Long-running payment gateway owned by Visa

Authorize.net ranks #12 of 13 in Payment processors, with an Alt Score of 55. It is proprietary, sold by subscription from $25/mo + 2.9% + $0.30 and available on Web, iOS and Android. 9 of 13 checklist rows are verified against a public source.

Source: https://altcatalog.com/alternatives/authorize-net/
Category: Payment processors

## Overview

- **Who it's for**: Merchants who need to accept credit card, debit card, and eCheck payments online, by phone, or in person.
- **What you get**: A payment gateway covering online checkout, a Virtual Terminal for phone/manual orders, mobile point of sale, digital invoicing, recurring billing, and built-in fraud protection.
- **How it works**: Merchants integrate Authorize.net's payment gateway into their website or app (or use the Virtual Terminal/mobile app directly) to process card, digital-wallet, and eCheck transactions, backed by Visa's payments network.

## Profile

- **License**: Proprietary (verified 2026-07-12)
- **Pricing model**: Subscription (verified 2026-07-12)
- **Starts at**: $25/mo + 2.9% + $0.30 (verified 2026-07-12)
- **Platforms**: Web, iOS, Android
- **Status**: active (verified 2026-07-12)

## Ranked alternatives

| # | App | Alt Score | Licence | Platforms |
|---|-----|-----------|---------|-----------|
| 1 | [Stripe](https://altcatalog.com/alternatives/stripe.md) | 96 | Proprietary | Web, iOS, Android |
| 2 | [Adyen](https://altcatalog.com/alternatives/adyen.md) | 93 | Proprietary | Web, iOS, Android |
| 3 | [Mollie](https://altcatalog.com/alternatives/mollie.md) | 93 | Proprietary | Web, iOS, Android |
| 4 | [Square](https://altcatalog.com/alternatives/square.md) | 89 | Proprietary | Web, iOS, Android |
| 5 | [Checkout.com](https://altcatalog.com/alternatives/checkout-com.md) | 86 | Proprietary | Web, iOS, Android |
| 6 | [PayPal](https://altcatalog.com/alternatives/paypal.md) | 86 | Proprietary | Web, iOS, Android, Browser extension |
| 7 | [Braintree (PayPal)](https://altcatalog.com/alternatives/braintree.md) | 83 | Proprietary | Web, iOS, Android |
| 8 | [Helcim](https://altcatalog.com/alternatives/helcim.md) | 83 | Proprietary | Web, iOS, Android, Windows |
| 9 | [Razorpay](https://altcatalog.com/alternatives/razorpay.md) | 79 | Proprietary | Web, iOS, Android |
| 10 | [Worldpay](https://altcatalog.com/alternatives/worldpay.md) | 79 | Proprietary | Web, iOS, Android |
| 11 | [GoCardless](https://altcatalog.com/alternatives/gocardless.md) | 59 | Proprietary | Web |
| 12 | [Amazon Pay](https://altcatalog.com/alternatives/amazon-pay.md) | 55 | Proprietary | Web |

Alt Score = Verified coverage (90%) + Visibility (10%). See https://altcatalog.com/how-alt-score-works/

## Feature comparison

Legend: Yes / No / Partial / ? (not verified).

| Payment processors checklist | Authorize.net | Stripe | Adyen | Mollie | Square | Checkout.com |
|---|---|---|---|---|---|---|
| Pricing model | Subscription | Usage-based | Usage-based | Usage-based | Usage-based | Usage-based |
| Starts at | $25/mo + 2.9% + $0.30 | 2.9% + $0.30 per transaction | $0.13 + Interchange++ + 0.60% per transaction (cards) | EUR 0.32 per transaction (iDEAL) | 2.9% + $0.30 per transaction | ? |
| License | Proprietary | Proprietary | Proprietary | Proprietary | Proprietary | Proprietary |
| Platforms | Web, iOS, Android | Web, iOS, Android | Web, iOS, Android | Web, iOS, Android | Web, iOS, Android | Web, iOS, Android |
| Hosted checkout / payment links | Yes | Yes | Yes | Yes | Yes | Yes |
| Recurring billing & subscriptions | Yes | Yes | Yes | Yes | Yes | Yes |
| In-person / POS payments | Yes | Yes | Yes | Yes | Yes | ? |
| Local payment methods (wallets, bank debit) | Yes | Yes | Yes | Yes | Yes | Yes |
| Multi-currency settlement | ? | Yes | Yes | Yes | No | Yes |
| Marketplace / split payments | ? | Yes | Yes | Yes | Yes | Yes |
| Built-in fraud & risk tools | Yes | Yes | Yes | Yes | Yes | Yes |
| Dispute / chargeback management | Partial | Yes | Yes | Yes | Yes | Yes |
| Sales-tax calculation add-on | ? | Yes | ? | ? | Yes | ? |
| PCI DSS Level 1 | ? | Yes | Yes | Yes | Yes | Yes |
| Developer API & SDKs | Yes | Yes | Yes | Yes | Yes | Yes |
| Interchange++ / cost-plus pricing | No | Partial | Yes | Yes | Partial | Yes |
| Instant / fast payouts | No | Yes | Yes | Yes | Yes | Yes |

## Sources

Sources for Authorize.net. Each alternative is sourced on its own page.

- **Pricing model**: Subscription — <https://www.authorize.net/sign-up/pricing.html> (verified 2026-07-12)
  - Quote: “$25 per month 2.9% + 30¢ per transaction”
- **Starts at**: $25/mo + 2.9% + $0.30 — <https://www.authorize.net/sign-up/pricing.html> (verified 2026-07-12)
  - Quote: “$25 per month 2.9% + 30¢ per transaction”
- **License**: Proprietary — <https://www.authorize.net/about-us.html> (verified 2026-07-12)
  - Quote: “© 2018-2026. Authorize.net. All rights reserved.”
- **Status**: active — <https://www.authorize.net/about-us.html> (verified 2026-07-12)
  - Quote: “Authorize.net is trusted by more than 430,000 merchants, handling more than 1 billion transactions and $149 billion in payments every year.”
- **Platforms**: Web, iOS, Android — <https://www.authorize.net/payments/tap-to-pay-on-iphone.html> (verified 2026-07-12)
  - Quote: “Compatible iPhone & iOS iPhone X (10) or later running iOS 18 or later is required”
- **Hosted checkout / payment links**: Yes — <https://www.authorize.net/resources/our-features/simple-checkout.html> (verified 2026-07-12)
  - Quote: “Create a Buy Now or Donate button, share a payment link, or generate a QR code. No website required.”
- **Recurring billing & subscriptions**: Yes — <https://www.authorize.net/payments.html> (verified 2026-07-12)
  - Quote: “Automate recurring billing for subscriptions, memberships, and installment plans, set the schedule once, collect automatically.”
- **In-person / POS payments**: Yes — <https://www.authorize.net/payments.html> (verified 2026-07-12)
  - Quote: “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.”
- **Local payment methods (wallets, bank debit)**: Yes — <https://www.authorize.net/payments.html> (verified 2026-07-12)
  - Quote: “Visa, Mastercard, Amex, Discover, JCB, UnionPay, Apple Pay, PayPal, and eChecks, through a single payment processing account”
- **Built-in fraud & risk tools**: Yes — <https://www.authorize.net/resources/our-features/advanced-fraud-detection.html> (verified 2026-07-12)
  - Quote: “Advanced Fraud Detection Suite comes with 13 easily configurable fraud filters to help set proper minimum transaction thresholds, payment velocity settings, country limitations, and more”
- **Dispute / chargeback management**: Partial — <https://developer.authorize.net/docs/anet/en-us/merchant/user/all/anet/anet-olh-merchant/reports-intro/echeck-reports-intro/echeck-returns-chargebacks.html> (verified 2026-07-12)
  - Quote: “Use the Returns & Chargebacks report to see statistics and details of returns and chargebacks received for your echeck transactions.”
- **Developer API & SDKs**: Yes — <https://developer.authorize.net/api.html> (verified 2026-07-12)
  - Quote: “SDKs on [GitHub] SDKs source code published on GitHub in popular languages”
- **Interchange++ / cost-plus pricing**: No — <https://www.authorize.net/sign-up/pricing.html> (verified 2026-07-12)
  - Quote: “$25 per month 2.9% + 30¢ per transaction”
- **Instant / fast payouts**: No — <https://www.authorize.net/sign-up/pricing.html> (verified 2026-07-12)
  - Quote: “The industry average funding period is between three to five business days.”

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Ranked by verified data, never by who paid. https://altcatalog.com/trust/