Authorize.net Fees: Which Plan Saves Money, and Which One Doesn’t
Authorize.net is one of the oldest payment gateways in the country, now owned by Visa. Every plan costs $25 a month. What changes is how your card sales are priced, and the difference between the cheapest plan and the most expensive one is large.
Authorize.net’s Gateway Only plan is one of the most useful pieces in payments: it lets you pair a well-known gateway with any merchant account, including an honest interchange-plus one. Its All-in-One plan does the opposite, adding a flat 2.9% plus 30 cents on top of the same $25 a month.
Figures in brief
- $25 a month: the gateway fee on every plan.
- 2.9% plus 30 cents: All-in-One, which bundles a merchant account.
- 10 cents per transaction plus a 10-cent daily batch fee: Gateway Only, where you bring your own merchant account.
- 0.75%: eCheck payments on the Gateway plus eCheck plan.
- No contract, no early termination fee on Authorize.net’s own published plans.
What Authorize.net charges, plan by plan
| Plan | Monthly | Per transaction | Who it fits |
|---|---|---|---|
| All-in-One | $25 | 2.9% + 30¢ | Businesses that want one bill and will pay a flat rate for it |
| Gateway Only | $25 | 10¢ + 10¢ daily batch fee | Businesses with their own merchant account |
| Gateway + eCheck | $25 | 10¢ + daily batch fee on cards; 0.75% on eChecks | Businesses that also take bank payments |
Source: Authorize.net’s published US pricing, checked October 2026. Account Updater and other add-ons can cost extra. Plans bought through a reseller can be priced differently; your statement shows what applies to you.
What the difference looks like
Take a business doing $20,000 a month online at an average of $100, which is 200 transactions.
a month on All-in-One: $25 plus 2.9% plus 30 cents on every sale. A flat rate, whatever each card actually costs.
a month in Authorize.net fees on Gateway Only: $25, plus 200 transactions at 10 cents, plus about 30 daily batches at 10 cents. The card processing itself is then billed by your merchant account, where an interchange-plus account passes through the real cost of each card.
The gateway is never the expensive part. The pricing on the merchant account behind it is.
The AUTHNET charge on your statement
Many merchants first notice Authorize.net as a line on their bank or processing statement, often labelled something like AUTHNET GATEWAY BILLING. That is usually the monthly gateway fee, plus any per-transaction or batch fees. If you bought the gateway from a reseller rather than directly, the amount can be higher than Authorize.net’s published $25. Look it up in the statement decoder, and check our batch fee page for the daily charge.
Gateway Only is the quiet power move. It separates the technology you use from the company that prices your cards. When you can change your merchant account without rebuilding your checkout, the processor has to earn your business every month. That is exactly the leverage bundled platforms are built to take away.
How to lower what you pay with Authorize.net
- Move from All-in-One to Gateway Only and pair it with an interchange-plus merchant account once your volume justifies it.
- Check who bills your gateway. If a reseller does, compare the amount with the published $25.
- Send full data on business cards. Business-to-business sellers can qualify for lower interchange with Level 2 and Level 3 data, which only an itemized merchant account passes on to you.
- Use eCheck for large payments, at 0.75% instead of a card rate.
Authorize.net elsewhere on weAudit
Our Authorize.net review scores it as a gateway, and interchange-plus pricing explains what to look for in the merchant account behind it.
Common questions
What are Authorize.net’s fees?
Authorize.net publishes three plans, each at $25 a month. All-in-One, which includes a merchant account, charges 2.9% plus 30 cents per transaction. Gateway Only charges 10 cents per transaction plus a 10-cent daily batch fee. Gateway plus eCheck adds 0.75% on eCheck payments.
What is the AUTHNET GATEWAY BILLING charge on my statement?
It is usually the monthly Authorize.net gateway fee, commonly $25, or batch and per-transaction gateway fees. If you buy the gateway through a reseller, the amount can differ from Authorize.net’s published price.
Does Authorize.net have a contract or cancellation fee?
Authorize.net’s own published plans carry no contract and no early termination fee. A merchant account bought through a reseller alongside it may have its own terms.
Which Authorize.net plan is cheapest?
For most growing businesses, Gateway Only paired with a separate merchant account on interchange-plus pricing. All-in-One charges a flat 2.9% plus 30 cents on every card on top of the $25 monthly fee.
Who owns Authorize.net?
Authorize.net is owned by Visa, through its CyberSource subsidiary.
Is Authorize.net a payment processor?
On its own it is a payment gateway: the connection between your website or software and the card networks. The All-in-One plan bundles a merchant account with it; the other plans let you bring your own.
Cite this page
How these figures were built. Plan prices are Authorize.net’s published US pricing, checked October 2026. Dollar examples are arithmetic on those prices. Next review: April 2027.
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Get My Free Audit See How the Audit Works 800-672-1292weAudit is not affiliated with Authorize.net or Visa. Authorize.net is a trademark of Visa Inc. weAudit is processor-neutral and receives no revenue share, referral payment or other financial tie from any processor, gateway or ISO. © 2009-2026 weAudit.com. This page is for general educational purposes and is not financial, legal, or accounting advice.
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