Authorize.Net is a payment gateway that allows you to process credit and debit card transactions easily and securely. Powering over 400,000 merchants both online and in physical retail, they manage the routing of transactions as if your customer were purchasing in a physical store.

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  • Authorize.Net offers several different services for e-commerce professionals with a merchant account. Once set up, you will be able to process online credit and debit card payments, e-checks, mobile payments, and mailed or telephone payments.
  • They are a completely secured gateway, which offers e-tailers the opportunity to manage their transactions, configure account settings, view account statements, and generate reports.
  • There is no software to install as everything is done via web. While you can accept payments worldwide, in order to use Authorize.Net you have to be based in the US, Canada, the UK, Europe, or Australia.The Merchant account offers a few interesting services for free:
  • Fraud Detection: this tool identifies, manages, and prevents suspicious transactions.
  • Customer Information Manager: this tool helps store your customer’s sensitive payment information on servers secured and kept by Authorize.Net.
  • Automated Recurring Billing: this can be set up for long-term or recurring customers.
  • eCheck.Net: this authorizes eChecks which processes direct payments from bank accounts.
  • Compatible sync for Quickbooks

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As with many payment gateways, Authorize.Net charges 2.9% + $0.30 (3.5% for international orders) per transaction. There is a $49 fee at sign up, with $25 per month to maintain a gateway on your site. If you choose to opt out of the Merchant account, your transactions are charged only $0.10 per transaction.

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