Navegó a una página que no está disponible en español en este momento. Seleccione el enlace si desea ver otro contenido en español.

Página principal

Authorize.net

A robust solution for accepting online card payments from customers

Select an Authorize.net® option – e-commerce or virtual terminal with digital invoicing – based on how you’ll take payments

Accept card payments via shopping cart integration

Start accepting payments quickly through your website with the Authorize.net e-commerce solution. Enjoy convenient account setup, pre-integration with many popular shopping carts, and the option to add a Buy Now button. You can also key in card information for phone and in-person payments using the virtual terminal. Additional Authorize.net terms and conditions apply.


Payment processing costs

Our straightforward small business pricing makes it easier to estimate your monthly processing costs. Custom (Interchange Plus) pricing is also available for select businesses; please call 1-866-609-3378 for more information.


Monthly service fee:

  • $24.95

Software fee:

  • No additional monthly software fee

Transaction fee:

  • Your cost per transaction doesn’t change based on the type of card your customer uses (Visa, Mastercard, American Express, Discover). Your rate is based on:
    • Business type – whether you accept most of your payments from consumers or from other businesses
    • Whether your customer’s card is physically present or not
    • Total monthly dollar volume of the card transactions you process
  • As your sales grow and you meet the minimum for a lower rate in any given month, your rate will be automatically adjusted for the month.
  • No application fees, no monthly minimums, and no early termination fees.

Please reference either the business to consumer table below (if you primarily serve consumers) or the business to business table below (if you primarily serve other businesses).

Business to consumer (B2C) transaction fees

B2C merchants include restaurants, retailers, health practitioners, and any businesses that accept most payments from consumers.

Your cost per transaction, based on the total dollar amount of card purchases you process in a month:

Total monthly processing volume Per online or keyed-in transaction
$0 - $14,999.99 3.40% + $0.15
$15,000 - $39,999.99 3.20% + $0.15
$40,000 & up

3.10% + $0.15

Business to business (B2B) transaction fees

B2B merchants include distributors, medical/dental suppliers, industrial suppliers, and any businesses that accept most payments from other businesses. 

Your cost per transaction, based on the total dollar amount of card purchases you process in a month:

Total monthly processing volume Per online or keyed-in transaction
$0 - $14,999.99 3.99% + $0.20
$15,000 - $39,999.99 3.75% + $0.20
$40,000 & up

3.50% + $0.20

Accept payments by keying in card info into a web browser (or via digital invoicing)

Take payments by entering card information into a web browser on your own device. No equipment or website needed. Authorize.net’s digital invoicing feature lets you create and send email invoices to your customers to pay from their personal computer or phone. You may add on a card reader to accept in person payments once your merchant service account is open. Call 1-800-451-5817 to order a card reader and get details about dip and swipe transaction fees. Additional Authorize.net Terms and Conditions apply.


Payment processing costs

Our straightforward small business pricing makes it easier to estimate your monthly processing costs. Custom (Interchange Plus) pricing is also available for select businesses; please call 1-866-609-3378 for more information.


Monthly service fee:

  • $9.95

Software fee:

  • No additional monthly software fee

Transaction fee:

  • Your cost per transaction doesn’t change based on the type of card your customer uses (Visa, Mastercard, American Express, Discover). Your rate is based on:
    • Business type – whether you accept most of your payments from consumers or from other businesses
    • Whether your customer’s card is physically present or not
    • Total monthly dollar volume of the card transactions you process
  • As your sales grow and you meet the minimum for a lower rate in any given month, your rate will be automatically adjusted for the month.
  • No application fees, no monthly minimums, and no early termination fees.

Please reference either the business to consumer table below (if you primarily serve consumers) or the business to business table below (if you primarily serve other businesses).

Business to consumer (B2C) transaction fees

B2C merchants include restaurants, retailers, health practitioners, and any businesses that accept most payments from consumers.

Your cost per transaction, based on the total dollar amount of card purchases you process in a month:

Total monthly processing volume Per online or keyed-in transaction
$0 - $14,999.99 3.40% + $0.15
$15,000 - $39,999.99 3.20% + $0.15
$40,000 & up

3.10% + $0.15
If you choose to add on point-of-sale (POS) hardware from Wells Fargo Merchant Services or Authorize.net, you may be charged card present (dip, swipe) fees at a lower cost per transaction. Those fees range from 2.20 – 2.60%, plus $0.15 per transaction.

Business to business (B2B) transaction fees

B2B merchants include distributors, medical/dental suppliers, industrial suppliers, and any businesses that accept most payments from other businesses.

Your cost per transaction, based on the total dollar amount of card purchases you process in a month:

Total monthly processing volume Per online or keyed-in transaction
$0 - $14,999.99 3.99% + $0.20
$15,000 - $39,999.99

3.75% + $0.20
$40,000 & up

3.50% + $0.20
If you choose to add on point-of-sale (POS) hardware from Wells Fargo Merchant Services or Authorize.net, you may be charged card present (dip, swipe) fees at a lower cost per transaction. Those fees range from 2.40 – 2.60%, plus $0.20 per transaction.

Per online or keyed-in transaction

When customers are on the phone or on your website, a transaction is completed by keying in the card number in the device or online through an e-commerce gateway.

Total monthly processing

Monthly processing volume is the total dollar amount of credit/debit card transactions you process in all of your merchant locations in a month including Visa, Mastercard, Discover, American Express, and PIN debit.

Monthly service fee includes:

Risk and fraud monitoring, reporting and analytics, 24/7 support, and dispute management. Monthly fees are assessed per MID (merchant ID). If you choose to add other equipment or options, additional fees may apply.

Monthly service fee includes:

Risk and fraud monitoring, reporting and analytics, 24/7 support, dispute management, and payment gateway access if you select e-commerce processing. Monthly fees are assessed per MID (merchant ID). If you choose to add other equipment or options, additional fees may apply.

Interchange Plus is a pricing structure that passes interchange fees assessed by card issuers, and network and switch fees assessed by the card networks, directly to the merchant services customer (also known as a "merchant"). There are two primary components to interchange plus pricing:

  1. Interchange: This is the fee that's charged and set by card networks, like Visa and Mastercard, to process transactions. Payment processors, like Wells Fargo Merchant Services, do not control these rates; however, every merchant is required to pay them.
  2. Plus: This is the payment processor's charge per transaction on top of the interchange fee. This cost comes in the form of a percentage fee and/or a transaction cost.

Additional fees with Interchange Plus may apply, such as chargeback or monthly fees. We provide details about any additional fees on your monthly statement.