What Authorize.net Charges to Process Credit Cards
Authorize.net's own pricing page lists a $25 monthly fee, per-transaction fees and a few add-ons. Here is what each line says, in plain words.
Authorize.net credit card processing fees start with a monthly charge, then add a small fee each time a card runs. Its pricing page lays out three plans, a few add-ons and a list of merchant account fee types. Prices can change, so confirm on its page before you sign up.
What Authorize.net's page says you'll pay each month
Authorize.net's pricing page says its plans start at $25 per month. That $25 shows up on every plan it lists. The page also says the monthly fee is prorated if you set up the service mid-month.
On top of the monthly fee, each plan adds its own per-transaction cost. That is where the plans differ, and the next section breaks those down.
The plans and their per-transaction fees
Authorize.net's page says the All-in-One plan is $25 per month plus 2.9% plus 30 cents per transaction. This plan combines a merchant account and a gateway.
The Gateway Only plan is different. Authorize.net's page says it is $25 per month plus 10 cents per transaction and a 10 cent daily batch fee. This plan connects to a merchant account you already have, without replacing it.
There is also a Gateway plus eCheck plan. Authorize.net's pricing page says this plan costs $25 per month. It charges an eCheck rate of 0.75%. Credit cards add 10 cents per transaction plus a 10 cent daily batch fee.
The page says the batch closes automatically once per day, with a default cut-off of 3:00 PM PST that you can change. The 10 cent batch fee applies to each settled credit card transaction batch.
The fee types behind any merchant account
Authorize.net's page lists merchant account fee types by name.
Percentage-based fees apply to each transaction according to the card type used. Fixed per-transaction fees are added to every authorization, no matter the amount. Monthly service or gateway fees pay for gateway access and account upkeep.
The page also lists batch or settlement fees, cross-border surcharges and PCI compliance fees. Cross-border surcharges are added when you accept cards issued outside your home country. PCI compliance fees depend on the provider's security program, so they vary.
Authorize.net's page says these fee types together shape the total cost of payment acceptance and influence which pricing model fits a business. When you read its plan prices, you are seeing some of these types and not others. The Gateway Only plan has a batch fee but no percentage.
Add-on and edge-case fees on Authorize.net's page
Authorize.net's page says there are no additional fees beyond the noted prices, except Account Updater and eCheck payments. Plan prices include the plan features.
Account Updater is one exception. Authorize.net's pricing page says Account Updater costs $0.25 per update. It charges that each time an account is updated.
For eCheck payments, Authorize.net's pricing page says the eCheck.Net discount rate is 0.75% of each charge transaction. The eCheck.Net returned item fee is $3.00, the setup fee is $0.00 and the per-transaction fee is $0.00.
The page also lists fees tied to your Authorize.net bill itself. The returned payment fee is $25.00. A bank returns an ACH or credit card debit attempt for Authorize.net billing, and that fee applies. The late payment fee is $20.00, assessed in the event of a late payment for account fees. The abandoned account fee is $10.00. The service reactivation fee is $0.00.
A few line items read as zero. On the gateway side, the credit card discount rate is 0.00%. The monthly minimum fee is $0.00. The sign-up fee is $0.
Do refunds, voids and declines still cost money
Authorize.net's page says the credit card transaction fee is $0.10 and applies to charges, refunds, voids and declines. Every authorization costs 10 cents, even the ones that fail or get reversed.
Authorize.net's page says the All-in-One plan charges 2.9% plus 30 cents per transaction. The page gives no refund rule for that plan. If refunds are common for you, ask Authorize.net before you sign.
What the monthly fee covers
Authorize.net's page says the monthly fee covers fraud protection and recurring billing. It also covers digital invoicing, customer data management, 24/7 support and AI-powered reporting. Authorize.net's pricing page says plan prices automatically include the plan features, except Account Updater and eCheck payments.
No contract, no early termination fees
Authorize.net's pricing page says it has no contract requirement and no early termination fees. The gateway setup fee is $0.00, and the page defines it as the fee charged for the creation and setup of a new gateway account. You can cancel your gateway subscription at any time without penalty.
One caveat sits in the fine print. The page says a merchant account applied for through its All-in-One plan may have separate terms that can be reviewed at signup. The gateway has no contract, but the merchant account half of that plan might. Read those terms before you commit.
How to check current pricing before you sign up
Published prices change, so treat every number here as a snapshot. Before you sign up, open Authorize.net's pricing page. Check the monthly fee, the per-transaction costs and any add-ons you plan to use.
Then run your own numbers. Take your average sale and your monthly transaction count and apply the plan's fees to them. A shop with many small sales feels the flat per-transaction fee more than a shop with a few large ones. Want to see how flat fees and percentages hit a real sale? Our piece on a forty dollar sale at the counter shows the math. Need money faster than the usual payout? Our piece on paying to be paid tonight covers the options.
Authorize.net's page says understanding merchant account fees and payment gateway costs is one of the first things small businesses need to tackle. Reading its price list with the fee types in mind makes that job easier.