Authorize.net Fee Calculator — See Your Exact Processing Cost
Enter the transaction amount to calculate Authorize.net's processing fees and your net payout. Compare to Stripe, PayPal, and other payment processors.
Transaction Details
You Receive
$48.25
Processing Fee
$1.75
Fee Rate
3.5%
Authorize.net Fees
| Transaction Fee | $1.45 |
| Transaction Fee (Flat) | $0.30 |
| Total | $1.75 |
All-in-One plan: 2.9% + $0.30 per transaction, $25/month gateway fee.Updated 2026-04-03
Authorize.net at a Glance
| Availability | US, Canada, UK, Europe & Australia |
| Monthly Fee | $25/mo gateway fee |
| Payout Speed | 1–3 business days |
| Chargeback Fee | $25 |
| Currencies | USD, CAD, GBP, EUR, AUD |
| Buyer Protection | Varies by card network |
| Contract | None (month-to-month) |
Authorize.net Fee Structure
Authorize.net, a Visa subsidiary, is one of the longest-running payment gateways in the industry. It offers two pricing plans: the All-in-One plan with flat-rate pricing, and the Payment Gateway Only plan for merchants who already have a merchant account. Authorize.net supports credit cards, debit cards, digital wallets like Apple Pay and Google Pay, and eCheck (ACH) payments.
| Payment Type | Fee |
|---|---|
| All-in-One (cards & digital wallets) | 2.9% + $0.30 |
| Gateway Only (monthly fee) | $25/month |
| Gateway Only (per transaction) | $0.10 |
| eCheck (ACH) | 0.75% |
| Setup fees | None |
For a $100 card payment on the All-in-One plan, Authorize.net charges $3.20 — the same as Stripe. The Gateway Only plan at $25/month plus $0.10 per transaction can be cheaper for high-volume businesses that negotiate their own interchange rates with a merchant account provider.
Authorize.net vs Stripe vs PayPal
Authorize.net's All-in-One rate (2.9% + $0.30) matches Stripe exactly and is cheaper than PayPal (2.99% + $0.49). For a $100 transaction, both Authorize.net and Stripe cost $3.20, while PayPal costs $3.48. The key difference is in features: Stripe offers a more modern developer experience and broader international coverage, while Authorize.net provides robust fraud detection tools (Advanced Fraud Detection Suite) and is a well-known, trusted name for enterprise and mid-market businesses. PayPal's advantage is brand recognition at checkout.
Frequently Asked Questions
How much does Authorize.net charge per transaction?
On the All-in-One plan, Authorize.net charges 2.9% + $0.30 per transaction with no monthly fee. On the Gateway Only plan, there is a $25/month fee plus $0.10 per transaction, but you pay interchange rates through your own merchant account.
Is Authorize.net cheaper than Stripe?
The All-in-One plan has the same rate as Stripe (2.9% + $0.30). The Gateway Only plan can be cheaper for high-volume businesses that have negotiated low interchange rates with their merchant account provider.
Does Authorize.net have a monthly fee?
The All-in-One plan has no monthly fee. The Gateway Only plan costs $25/month, which gives you access to the payment gateway to use with your own merchant account.