Authorize.Net

Authorize.Net is a payment gateway owned by Visa. It helps businesses accept online payments securely. It solves the problem of safely processing credit cards without building custom payment infrastructure.

Features

• Payment Acceptance: Accepts major credit cards, e-checks, Apple Pay, and PayPal in one unified checkout flow.
• Fraud Detection Suite: Uses 13 configurable filters to flag suspicious transactions before they process.
• Recurring Billing: Automates subscription payments with customizable billing cycles and retry logic for failed charges.
• Customer Information Manager (CIM): Stores encrypted payment data on Authorize.Net servers to reduce PCI compliance scope.
• API and Integrations: Connects with platforms like Shopify, WooCommerce, QuickBooks, and supports REST and SOAP APIs.

Use Cases

• For E-commerce Merchants: Embed a hosted payment form to accept cards without storing sensitive data on your own servers.
• For SaaS Businesses: Automate monthly subscription billing and handle failed payment retries without manual intervention.
• For Retail Businesses: Use the point-of-sale SDK to accept in-person payments alongside online transactions from one account.
• For Developers: Build custom checkout experiences using the well-documented REST API with sandbox testing support.

Authorize.Net is a mature, widely supported payment gateway suited for businesses of most sizes. It offers strong fraud tools and broad integrations, though pricing may be less competitive for very low-volume sellers.