Authorize.Net Pricing and Fees: What You Actually Pay in 2026

These are Authorize.Net's own direct prices, from its pricing page as of September 27, 2026. They aren't START's prices.

Three things in that table catch people out:

• The 10¢ isn't only on sales. Declines, voids and refunds count too. A store hit by card testing (fraudsters running stolen cards through checkout) can pile up hundreds of declined attempts, each billed at 10¢.
• The eCheck minimum. At 0.75%, you'd need about $1,333 a month in eCheck payments before your fees pass $10. Below that, you pay $10. Details are in our Authorize.Net eCheck guide.
• The account fees. The returned payment, late payment and abandoned account fees relate to your Authorize.Net account, not to customer payments. Ask what triggers each before you sign up.

Several tools that used to cost extra now carry no monthly fee on Authorize.Net's pricing page:

• Advanced Fraud Detection Suite (AFDS): filters that flag, hold or decline risky payments. $0 a month. See Authorize.Net fraud detection settings.
• Automated Recurring Billing (ARB): charges customers on a schedule. No setup or monthly fee.
• Customer Information Manager (CIM): stores customer card and bank details so they don't re-enter them. $0 a month.
• Digital Invoicing: Authorize.Net says it "comes with every plan," and its support article says there are no fees specific to invoicing.
• Setup: $0.

ARB and CIM are covered in our Authorize.Net recurring billing guide. The one add-on that still costs money is Account Updater, at 25¢ per update.

What older fee guides still say. Many pages that rank for Authorize.Net fees were written years ago. Two errors come up often:

• "AFDS costs $5 a month." The current pricing page lists it at $0.
• "Authorize.Net charges a $25 chargeback fee." The $25 applies to eCheck chargebacks. The card chargeback fee at the gateway is $0.

To be fair to those guides, Authorize.Net's own support articles for AFDS and Account Updater still say the cost "varies based on your specific account details." We go by the pricing page, as it's the current published price list. If you're on an older account or came through a provider, check your own fee schedule.

The All-in-One plan charges the same 2.9% + 30¢ on every card. The other route is Gateway Only plus a merchant account on interchange-plus pricing: you pay the card networks' actual cost (interchange, set by Visa and Mastercard and paid to the card's bank) plus a fixed markup from your provider.

Authorize.Net's own pricing page makes the case for the second route. It says Gateway Only "enables you to negotiate Interchange-Plus pricing, where you can often secure effective rates closer to 2.2% - 2.5%."

An illustration, not a quote. The table below uses Authorize.Net's published prices and its own 2.2%–2.5% range. We assumed a $50 average sale, one batch a day (30 a month) and no refunds, voids or declines. Your real rate depends on your card mix, average sale and provider. These aren't START's prices.

How the numbers work:

• All-in-One at $10,000: $290 (2.9%) + $60 (200 × 30¢) + $25 monthly = $375.
• Gateway Only at $10,000: $25 monthly + $20 (200 × 10¢) + $3 (30 batches × 10¢) = $48 for the gateway. Add $220–$250 for processing at 2.2%–2.5%.
• At $50,000: the gateway costs $128 ($25 + $100 + $3), and processing $1,100–$1,250.

Two things move these numbers. Smaller sales make the flat 30¢ weigh more: on a $20 sale, 30¢ alone adds 1.5%. Merchant account fees (statement, PCI and similar, covered below) aren't in the interchange-plus column, so ask for them and add them in. Even so, the gap usually widens as volume grows. That's why START sets up Authorize.Net on a merchant account priced on interchange-plus rather than a flat rate.

Some providers advertise a free Authorize.Net gateway. That can be a real saving, or the cost can reappear somewhere else on your statement. Before you sign, ask:

1. Is the monthly fee $0, and for how long? Free for the first year and free for good are different offers.
2. Is there a per-transaction fee? And does it apply to declines, voids and refunds, as Authorize.Net's does?
3. Is there a batch fee?
4. Is there a setup fee?
5. Who bills the gateway fee? Authorize.Net directly, or your provider on your merchant statement?
6. Is there a contract or early termination fee? Check both the gateway and the merchant account.
7. What's the processing markup? A free gateway paired with a higher rate on every sale costs more than a $25 gateway on a lower one.

Get every answer in writing. The only fair comparison is your total monthly cost at your real volume.

The $25 Authorize.Net monthly fee is only the gateway. On Gateway Only, most of your cost comes from the merchant account: the account with an acquiring bank that accepts card payments for you and deposits the money. The difference is explained in our Authorize.Net merchant account guide.

Fees that come from the merchant account, not the gateway, can include:

• Processing fees: interchange and card network fees, plus your provider's markup. This is the biggest line on most statements.
• Chargeback fee: a fee per dispute, set by your provider. Authorize.Net's $0 card chargeback fee doesn't change this one. On All-in-One, the pricing page notes the merchant account "may have separate terms," so read that agreement too. To keep disputes down, see chargeback management.
• PCI fees: a compliance or non-compliance fee. See PCI compliance basics.
• Statement or account fees: a monthly fee for the account itself.
• Monthly minimums: a floor on processing fees if your volume is low.
• Early termination fees: set by the merchant agreement, separate from Authorize.Net's no-contract terms.

Higher-risk businesses may also have a reserve, where part of each deposit is held for a set time. That's covered in high-risk rates, fees and reserves.

Authorize.Net says it sells through "a network of reseller partners," including ISOs (independent sales organizations), merchant services providers and banks. When you get the Authorize.Net payment gateway this way, the provider sets the gateway fee, not Authorize.Net's pricing page. It may be higher or lower than $25, and it may be billed on your merchant statement.

Whoever you go with, ask for every fee in writing: gateway monthly, per-transaction and batch fees, the processing markup, and the merchant account fees above. If you're on a payment app now, our Authorize.Net vs Stripe, PayPal and Square comparison puts their published flat rates next to a merchant account at three volumes.

START has worked with Authorize.Net for more than 20 years and has set up over 60,000 Authorize.Net accounts. We set up the merchant account and the gateway together, and we price the merchant account on interchange-plus. Send us your current statement and we'll show you, line by line, what you're paying now and what you'd pay with us.

Selling in Canadian dollars? Currency and cost work differently. See Authorize.Net in Canada.