Payments · Subscription / Membership Pricing
Authorize.Net Review
The flexible, no-contract gateway with the broadest integration ecosystem
Quick verdict
Authorize.Net is best for Trades that already have a website, software, or merchant account and want a flexible, no-contract gateway to add online, invoice, and recurring payments. On Gateway-Only the $25/mo is on top of your processor; cheaper plan needs an existing merchant account; dated UI; reseller-variable PCI/ancillary fees; not a native FSM processor (QuickBooks needs a connector).
Rates & pricing
All plans $25/mo gateway fee, $0 setup. All-in-One: $25/mo + 2.9% + $0.30 (merchant account included). Gateway-Only: $25/mo + $0.10/txn + $0.10 daily batch (you also pay your separate processor). Gateway + eCheck adds 0.75% ACH. No long-term contract / no ETF..
Pricing model: subscription · Monthly fee: 25
Affiliate disclosure: affiliate_url stays TBD until the tracking link is confirmed.
About Authorize.Net
Authorize.Net is a payment gateway — the layer that sits between your website, app, virtual terminal, or terminal and the processor, handling routing, fraud screening, recurring billing, and invoicing. A Visa-owned veteran since 1996, its strengths for trades are flexibility and reach: no long-term contract and no early-termination fee on any plan, and one of the largest integration ecosystems in payments, so it slots into nearly any existing website, cart, or software you already run. The All-in-One plan bundles a merchant account at a flat 2.9% + $0.30; Gateway-Only keeps your existing processor and just adds the gateway.
The trade-offs: on Gateway-Only the $25/mo sits on top of your processor's rates (an extra cost layer), the cheaper plan assumes you already have a merchant account, the back-office UI is dated, and ancillary/PCI fees vary when it's sold through ISOs. It's also not a native processor inside Jobber/Housecall/ServiceTitan, and QuickBooks needs a third-party connector. But for a trade that already has a website or software and wants no-contract invoicing and recurring billing bolted on, it's the flexible pick.
How it works
Connect Authorize.Net to a website, shopping cart, virtual terminal, or mobile app; it encrypts and routes each transaction to your processor and the card networks, screens for fraud, and can store cards for recurring billing. Gateway-Only customers keep their existing merchant account and pay the $25/mo plus small per-transaction fees; All-in-One customers get a bundled merchant account at flat 2.9% + $0.30. No contract or ETF on any plan.
Pros & cons
What works
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No contract, no ETF
Every plan is month-to-month with no early-termination fee — a rare, contractor-friendly stance in payments.
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Broadest integration ecosystem
It plugs into more carts, sites, and billing tools than almost any rival, so it fits whatever you already run.
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Built-in invoicing + recurring
Send digital invoices after a job and auto-bill maintenance plans natively from the gateway.
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Mobile + Tap to Pay
Take cards in the field via the mobile app and Tap to Pay, not just online.
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Mature fraud tools
Visa-backed Advanced Fraud Detection Suite and Account Updater come standard — useful for card-not-present trades work.
What doesn't
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Gateway fee on top of processing
On Gateway-Only the $25/mo is in addition to your processor's interchange and markup — an extra cost layer to weigh.
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Cheaper plan needs a merchant account
Gateway-Only assumes you already have a merchant account; without one you take the bundled All-in-One rate.
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Dated back-office UI
The interface feels old next to modern processors, with a steeper setup for non-technical owners.
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Reseller-variable PCI/ancillary fees
When sold through ISOs, PCI and ancillary fees vary — confirm the full schedule with whoever sells it to you.
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Not native in FSM tools
It isn't the built-in processor inside Jobber/Housecall/ServiceTitan, and QuickBooks needs a third-party connector.
Features & integrations
Key features
Integrations
Frequently asked
What is the difference between Authorize.Net and a processor like Square?
Authorize.Net is primarily a gateway — the technology that routes and secures transactions — while Square is a full processor with a built-in merchant account. With Authorize.Net's Gateway-Only plan you keep your own processor and pay $25/mo for the gateway; with its All-in-One plan you get a bundled merchant account at 2.9% + $0.30. It's the flexible, integrate-with-anything option rather than the simplest all-in-one.
Does Authorize.Net have a contract or cancellation fee?
No — all Authorize.Net plans are month-to-month with no long-term contract and no early-termination fee. That no-contract stance, plus its huge integration ecosystem, is a big part of why trades that already have a website or software choose it.
How much does Authorize.Net cost?
Every plan has a $25/mo gateway fee with $0 setup. All-in-One adds 2.9% + $0.30 and includes a merchant account; Gateway-Only adds $0.10/transaction + a $0.10 daily batch fee but assumes you bring your own processor (whose interchange/markup you also pay). Adding eCheck/ACH is +0.75%.
Can I take field payments with Authorize.Net?
Yes — it offers a mobile app with Tap to Pay for in-person card acceptance, plus a virtual terminal for phone payments and digital invoicing for after-the-job billing. It's not embedded in FSM apps, so it works as a flexible standalone layer across online, in-person, and invoice payments.
Other payment processors
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Stripe
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Stax
Subscription (membership) pricing — flat monthly fee, no percentage markup
QuickBooks Payments / GoPayment
Card + ACH that auto-reconciles to your QuickBooks invoices
PayPal / PayPal Zettle
Zero-monthly card acceptance with universal brand trust — and Tap to Pay