Authorize.net fees & pricing
Authorize.net (Visa) · Subscription / membership · best for merchants who already have a separate merchant account
Authorize.net uses subscription / membership pricing. Its headline rate is 2.90% + $0.30, which works out to about 3.50% effective on a $50.00 sale. International / cross-border: Depends on your acquiring bank, not Authorize.net. Chargeback fee: $25.00 per chargeback. Monthly fee: $25/mo gateway + $0.10 per transaction + $0.10 daily batch (gateway-only plan). Authorize.net is primarily a payment GATEWAY: the gateway-only plan is $25/mo plus $0.10 per transaction and a $0.10 daily batch fee, on top of whatever rate your separate merchant account charges. An all-in-one plan (2.9% + $0.30 + $25/mo) bundles a merchant account. Owned by Visa.
Source: Authorize.net (Visa) pricing. Data as of June 2026.
Note: These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
Authorize.net fee structure
| Pricing model | Subscription / membership |
|---|---|
| Headline rate | 2.90% + $0.30 |
| Monthly fee | $25/mo gateway + $0.10 per transaction + $0.10 daily batch (gateway-only plan) |
| International / cross-border | Depends on your acquiring bank, not Authorize.net |
| Chargeback fee | $25.00 per chargeback |
| Payout speed | Handled by your merchant-account provider |
| Best for | merchants who already have a separate merchant account |
Source: Authorize.net (Visa) pricing. Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
What you pay per transaction
| Transaction size | Rate applied | Fee charged | Effective rate |
|---|---|---|---|
| $10.00 | 2.90% + $0.30 | $0.59 | 5.90% |
| $50.00 | 2.90% + $0.30 | $1.75 | 3.50% |
| $200.00 | 2.90% + $0.30 | $6.10 | 3.05% |
Source: Authorize.net (Visa) pricing page. Data as of June 2026.
Cost pros & cons
Where Authorize.net saves money
- Reliable, long-established gateway
- Works with most merchant accounts
- Strong fraud tools (Advanced Fraud Detection Suite)
Watch-outs
- $25/mo gateway fee regardless of volume
- Per-transaction + batch fees stack up
- Dated developer experience
Frequently asked questions
What are Authorize.net's payment-processing fees?
Authorize.net charges 2.90% + $0.30 on card payments. For a $50.00 transaction that works out to roughly 3.50% effective. Monthly fee: $25/mo gateway + $0.10 per transaction + $0.10 daily batch (gateway-only plan). Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
Does Authorize.net charge a monthly or setup fee?
$25/mo gateway + $0.10 per transaction + $0.10 daily batch (gateway-only plan).
How much does Authorize.net charge for international cards and chargebacks?
International / cross-border: Depends on your acquiring bank, not Authorize.net. Chargeback / dispute fee: $25.00 per chargeback. International cards and disputes can dominate the effective rate for global merchants.
Is Authorize.net good for my business?
Authorize.net is best for merchants who already have a separate merchant account. Reliable, long-established gateway. Watch out: $25/mo gateway fee regardless of volume. Model your real volume and ticket size in our calculator before deciding. These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
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Source & accuracy
Figures are a dated snapshot from Authorize.net (Visa)'s pricing page (as of June 2026). This processor passes interchange through, so the effective rate varies with your card mix. Payment fees change without notice and vary by region, risk and contract — verify on the vendor's page before signing. These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign. See our methodology and disclaimer.
Last updated: 2026-06-29