In the fast-paced world of e-commerce, choosing the right payment gateway is key to offering a smooth shopping experience and boosting sales. Authorize.Net is a well-known option for online payments, providing secure and reliable services.
However, it might not fit every business's needs, leading merchants to look for other choices. This article covers ten top alternatives to Authorize.Net, outlining their main features, pricing, and suitability for different e-commerce businesses.
What is Authorize.Net
Authorize.Net, a subsidiary of Visa, has been a prominent player in the payment gateway industry, enabling merchants to accept credit card and electronic check payments securely. It offers a range of features designed to facilitate online transactions and protect sensitive customer information.
Key E-commerce Features of Authorize.Net:
- Advanced Fraud Detection: Utilizes sophisticated tools to minimize fraudulent transactions.
- Recurring Billing: Supports subscription-based services with automated payment schedules.
- Customer Information Manager: Securely stores customer payment data for streamlined future transactions.
- Extensive Integration: Compatible with numerous shopping carts and e-commerce platforms.
- 24/7 Support: Provides customer assistance via phone, email, and live chat.
Despite its robust capabilities, some businesses may seek alternatives due to factors such as pricing, specific feature requirements, ease of integration, or better alignment with their operational needs.
Overview of Authorize.Net Alternatives
Here is an overview of Authorize.Net and 10 other options, detailing their main features, pricing, and ideal business types.
Top 10 Authorize.Net Alternatives for E-commerce Businesses
Finding the best alternatives to Authorize.Net can help you choose a payment gateway that aligns with your e-commerce needs. Each option offers unique features and pricing structures, catering to different business models and goals.
1. Stripe
Stripe is a highly regarded payment processing platform known for its developer-friendly APIs and extensive customization options, making it ideal for online businesses seeking flexibility.
Key Features:
- Customizable Integration: Offers powerful APIs for tailored payment solutions.
- Global Payment Acceptance: Supports over 135 currencies and various payment methods, including cards and digital wallets.
- Subscription Management: Simplifies recurring billing for subscription services.
- Advanced Fraud Protection: Uses machine learning with Stripe Radar to detect and prevent fraud.
- Instant Payouts: Provides quick access to funds with instant payouts to eligible accounts.
Pricing:
Stripe charges a standard fee of 2.9% plus $0.30 per successful card charge. There are no setup or monthly fees, and you pay only when you process a transaction. Additional fees may apply for international cards and currency conversions. Custom pricing is available for businesses with large payment volumes or unique business models.
Ideal For: E-commerce businesses requiring a highly customizable and scalable payment solution with advanced developer tools.
2. PayPal Payments Pro
PayPal Payments Pro extends PayPal's capabilities, offering a fully customizable payment solution suitable for businesses needing more control over the checkout experience.
Key Features:
- Customizable Checkout: Allows merchants to design a seamless, on-site checkout process.
- Multiple Payment Options: Accepts PayPal, credit/debit cards, and mobile payments.
- Global Reach: Operates in over 200 countries with support for multiple currencies.
- Recurring Payments: Facilitates subscription billing and automated payments.
- Fraud Management Filters: Enhances security with customizable fraud detection settings.
Pricing:
PayPal Payments Pro charges a monthly fee of $30. Transaction fees are 2.9% plus $0.30 per domestic transaction. Additional fees may apply for international transactions, currency conversions, and certain payment methods.
Ideal For: Businesses looking to customize their checkout experience while leveraging PayPal's global network and customer trust.
3. Braintree
Braintree, a PayPal service, offers a robust payment platform that supports a variety of payment methods with a single integration, focusing on providing a seamless checkout experience.
Key Features:
- Wide Range of Payment Methods: Accepts credit/debit cards, PayPal, Venmo (U.S.), Apple Pay, Google Pay, and more.
- Global Processing: Supports transactions in over 130 currencies.
- Recurring Billing: Manages subscriptions and recurring payments efficiently.
- Advanced Fraud Tools: Provides fraud protection with customizable settings.
- Developer-Friendly: Offers comprehensive SDKs and APIs for easy integration.
Pricing:
Braintree charges 2.9% plus $0.30 per transaction for standard card and digital wallet payments. There are no monthly fees or minimums, and custom pricing may be available for businesses with large volumes.
Ideal For: E-commerce businesses seeking a flexible payment solution with extensive payment options and global capabilities.
4. Square
Square provides an integrated payment solution that caters to both online and offline sales, making it a versatile choice for e-commerce businesses.
Key Features:
- Free Online Store: Offers a basic e-commerce website builder integrated with Square payments.
- Unified Inventory Management: Syncs inventory across online and physical stores.
- Multiple Payment Methods: Accepts all major credit cards and digital wallets.
- No Monthly Fees: Operates on a pay-as-you-go model with transparent pricing.
- Advanced Reporting: Provides insights into sales and customer behavior.
Pricing:
Square charges 2.9% plus $0.30 per online transaction. There are no setup or monthly fees for basic services. In-person transactions have a lower rate of 2.6% plus $0.10 per swipe, dip, or tap.
Ideal For: Small to medium-sized businesses looking for an integrated solution that combines online and in-person sales channels.
5. Verifone
Verifone is a global payment platform that simplifies accepting payments from customers worldwide, offering localized buying experiences.
Key Features:
- International Payment Processing: Supports transactions in over 200 countries and territories.
- Localized Checkout: Provides localized language and currency options.
- Subscription Billing: Offers robust tools for managing recurring payments.
- E-commerce Integrations: Compatible with over 120 shopping carts and platforms.
- Fraud Protection: Implements advanced security measures to safeguard transactions.
Pricing:
Verifone offers several pricing plans. The 2Sell plan charges 3.5% plus $0.35 per successful sale. The 2Subscribe plan, designed for subscription-based businesses, charges 4.5% plus $0.45 per transaction. The 2Monetize plan, for comprehensive digital commerce needs, charges 6.0% plus $0.60 per transaction. There are no setup or monthly fees.
Ideal For: Businesses expanding internationally and needing a payment processor with extensive global capabilities and subscription management.
6. Adyen
Adyen provides a unified commerce platform that allows businesses to accept payments globally, supporting a vast array of payment methods.
Key Features:
- Global Payment Acceptance: Supports over 250 payment methods and 150+ currencies.
- Advanced Risk Management: Utilizes real-time data and machine learning for fraud prevention.
- Scalable Platform: Designed to handle high transaction volumes efficiently.
- Comprehensive Reporting: Offers detailed insights into payments and customer behavior.
- Customizable Solutions: Provides APIs for tailored integrations.
Pricing:
Adyen uses an interchange-plus pricing model. For Visa and Mastercard transactions, the cost includes interchange fees plus a processing fee and a fixed transaction fee (e.g., $0.12). There are no setup or monthly fees, but a minimum monthly invoice amount may apply.
Ideal For: Large e-commerce enterprises requiring a scalable, global payment solution with advanced features.
7. Payline Data
Payline Data offers flexible payment processing solutions with transparent interchange-plus pricing, catering to businesses of all sizes.
Key Features:
- Transparent Pricing: Provides interchange-plus pricing with no hidden fees.
- Flexible Solutions: Supports online, mobile, and in-person payments.
- Advanced Security: Includes fraud detection and data encryption.
- Developer Tools: Offers APIs and SDKs for custom integrations.
- Dedicated Support: Provides personalized customer service.
Pricing:
Payline's online payments plan charges interchange fees plus 0.3% and $0.20 per transaction, with a monthly fee of $20. There are no setup or cancellation fees. Custom pricing is available for businesses with specific needs.
Ideal For: Businesses seeking transparent pricing and flexible payment processing options with personalized support.
8. Skrill
Skrill is a digital wallet and payment provider that offers quick and secure online transactions, including support for international payments.
Key Features:
- Global Accessibility: Available in over 120 countries with support for multiple currencies.
- Multiple Payment Options: Accepts credit/debit cards, bank transfers, and local payment methods.
- Quick Transfers: Enables instant money transfers to other Skrill users.
- Fraud Management: Provides security features to protect against fraudulent transactions.
- Cryptocurrency Support: Allows buying and selling cryptocurrencies.
Pricing:
Skrill's merchant fees typically start at 2.90% plus €0.29 per transaction. There are no setup fees, but additional charges may apply for currency conversions and other services. Withdrawal fees and other transaction-specific fees may also apply.
Ideal For: E-commerce businesses targeting international customers and seeking a digital wallet solution with diverse payment options.
9. WePay
WePay, part of JPMorgan Chase, specializes in integrated payment solutions for platforms, crowdfunding sites, and marketplaces.
Key Features:
- Seamless Integration: Offers APIs for embedding payments into platforms.
- White-Label Solutions: Allows customization to maintain your brand identity.
- Risk Management: Provides compliance and fraud protection services.
- Flexible Payment Options: Supports credit cards, ACH payments, and more.
- Dedicated Support: Offers technical assistance for integration and operations.
Pricing:
WePay's pricing is customized based on the platform's needs. It typically involves a transaction fee plus a percentage of the transaction amount. Businesses should contact WePay for a tailored quote.
Ideal For: Platforms and software providers requiring embedded, branded payment processing solutions.
10. BlueSnap
BlueSnap offers a global payment platform designed to increase sales and reduce costs for e-commerce businesses.
Key Features:
- All-in-One Platform: Combines payment processing, a merchant account, and a payment gateway.
- Global Reach: Supports payments in over 100 currencies and 110 payment types.
- Subscription Management: Handles recurring billing with ease.
- Integrated Fraud Prevention: Protects against fraudulent transactions.
- Developer-Friendly: Provides APIs and SDKs for easy integration.
Pricing:
BlueSnap offers simplified pricing at 2.9% plus $0.30 per successful card transaction. Custom pricing may be available for businesses processing significant volumes. There are no setup fees, and additional services may incur extra costs.
Ideal For: E-commerce businesses looking for a comprehensive global payment solution with advanced features.
Frequently Asked Questions
Here are the most commonly asked questions answered in relation to Authrorize.Net alternatives.
Why might a business look for alternatives to Authorize.Net?
While Authorize.Net is a reliable and secure payment gateway, businesses might seek alternatives due to factors like lower transaction fees, specific feature requirements, easier integration, or better alignment with their operational needs.
Exploring different options can help you find a payment processor that offers the best value and functionality for your business.
How do I choose the best payment gateway for my e-commerce business?
Consider factors such as transaction fees, supported payment methods, global availability, ease of integration with your existing systems, security features, customer support, and scalability.
Assess your business model, target markets, and technical capabilities to determine which gateway offers the most suitable features and cost-effectiveness.
Can I use multiple payment gateways on my e-commerce website?
Yes, many e-commerce platforms allow you to integrate multiple payment gateways.
Offering various payment options can enhance customer satisfaction by accommodating different preferences and can increase conversion rates. However, managing multiple gateways may add complexity to your operations.
How important is security and fraud protection in payment processing?
Security is paramount in payment processing to protect both your business and your customers from fraud and data breaches.
Choose a payment gateway that complies with PCI DSS standards, offers encryption and tokenization, and provides fraud detection tools. Robust security measures help build customer trust and safeguard your business.
How do transaction fees affect my business's profitability?
Transaction fees can significantly impact your profit margins, especially for businesses with high sales volumes or low-margin products.
It's essential to understand the fee structures of different payment gateways, including any additional costs like monthly fees, chargeback fees, or cross-border transaction fees, to accurately assess the overall cost.
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