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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.

Call 1-866-609-3378 to talk to a specialist or request a call (en inglés).


Payment processing costs

No application fees, no monthly minimums, and no early termination fees.

Monthly merchant account fee:

  • $24.95

PCI Compliance Program fee:

  • $10.00 per month, per merchant ID

Transaction processing fee:

Higher processing volume unlocks lower rates

With our dynamic pricing, as your monthly sales reach the minimum for a lower rate, we automatically adjust it for the month — no action needed from you. 

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 - $39,999.99 3.50% + $0.15
$40,000 - $79,999.99 3.40% + $0.15
$80,000 & up 3.30% + $0.15

Custom (Interchange Plus) pricing is also available for select businesses; please call 1-866-609-3378 for more information.

Accept payments online, no website needed

Authorize.net allows you to send digital invoices and manually key-in customers' card data into a virtual terminal. Additional Authorize.net Terms and Conditions apply.

Call 1-866-609-3378 to talk to a specialist or request a call (en inglés).


Payment processing costs

No application fees, no monthly minimums, and no early termination fees.

Monthly merchant account fee:

  • $9.95

PCI Compliance Program fee:

  • $10.00 per month, per merchant ID

Transaction processing fee:

Higher processing volume unlocks lower rates

With our dynamic pricing, as your monthly sales reach the minimum for a lower rate, we automatically adjust it for the month — no action needed from you. 

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 - $39,999.99 3.50% + $0.15
$40,000 - $79,999.99 3.40% + $0.15
$80,000 & up 3.30% + $0.15

Custom (Interchange Plus) pricing is also available for select businesses; please call 1-866-609-3378 for more information.

Ready to get started?

Get answers to questions and apply.

Call 1-866-609-3378 or
request a call (en inglés)
Monday through Friday,
6 a.m. to 5 p.m. Pacific Time

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.

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, and American Express.

The PCI Compliance Program fee supports your adherence to the Payment Card Industry Data Security Standards (PCI DSS) required by card networks.

Monthly merchant account 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.