Authorize.net
Fresh79% completeAuthorize.net is a Visa-owned payment gateway that connects merchant websites and applications to card networks via XML/JSON API, hosted payment forms, and mobile SDKs. It offers both a gateway-only plan (requires a separate merchant account) and an all-in-one acquiring + gateway bundle. Core platform capabilities include tokenized customer vaulting, automated recurring billing, eCheck/ACH processing, and a configurable fraud rule engine — used daily by developers and payment ops teams at 430,000+ merchants.
Products
- Payment GatewayactiveAPI-based card network connectivity with hosted tokenization and settlement routing
Core API gateway that routes card and digital-wallet transactions to processors via XML/JSON POST endpoints, Accept.js client tokenizer, or Accept Hosted redirect flow.
- All-in-One (Merchant Account + Gateway)activeFlat-rate payment acquiring with integrated gateway routing
Bundled acquiring and gateway at a flat 2.9% + $0.30 rate for merchants without an existing processor relationship.
- Customer Information Manager (CIM)activePayment tokenization and customer profile storage with API retrieval
Server-side vault that stores tokenized customer payment profiles (card + billing address) for future charges and to reduce merchant PCI scope.
- Automated Recurring Billing (ARB)activeScheduled charge execution against tokenized payment profiles
Subscription billing engine that schedules and executes recurring charges against stored CIM profiles at configurable daily, weekly, monthly, or annual intervals.
- Advanced Fraud Detection Suite (AFDS)activePre-authorization transaction screening via configurable rule filters and hold queues
Configurable rule engine with velocity checks, geolocation filters, IP blocking, suspicious transaction patterns, and manual review queues applied pre-authorization.
- eCheck.netactiveACH network bank debit origination via payment gateway
ACH bank debit processing add-on that allows merchants to accept electronic checks through the same gateway account at 0.75% per transaction.
- Accept SuiteactiveHosted and client-side payment form components with Authorize.net-side card data capture
Set of hosted and embedded UI components — Accept Hosted (full redirect), Accept.js (client-side tokenizer), and Accept Mobile (iOS/Android SDK) — for PCI-descoped card capture.
- Digital InvoicingactiveEmail-delivered payment link generation tied to hosted checkout
Invoice generation and payment link tool that lets merchants email customers a payment request fulfilled through the Authorize.net hosted payment page.