# Authorize.net as a Stripe alternative

Title: Authorize.net: Stripe alternative

Description: Authorize.net: All-in-one 2.9% + $0.30, plus $25 a month. Dispute Not on the pricing page we read. Gateway. Checked November 9, 2026 on the provider page.

Authorize.net is a gateway. On November 9, 2026 the rate line is All-in-one 2.9% + $0.30, plus $25 a month. The dispute line is Not on the pricing page we read. Confirm the billed row before you leave Stripe. The provider's own page is the figure a contract will follow.

## What is Authorize.net?

Authorize.net, owned by Visa, is a payment gateway. Gateway-only pricing assumes a separate merchant account. The all-in-one plan bundles a merchant account at a flat rate close to Stripe's, plus a monthly fee.

## Who should choose Authorize.net?

Authorize.net fits: Businesses that already have a merchant account and want a long-standing gateway. A listing here is not an approval, and a published rate is not a quote.

## Who should look elsewhere?

What Authorize.net replaces: The gateway, or the gateway plus a bundled merchant account. You give up Stripe's broader product surface. Look elsewhere when you need something outside that.

Underwriting: The all-in-one plan is subject to eligibility. A gateway-only account still needs someone to underwrite the merchant account.

## How does Authorize.net charge?

Authorize.net has 2 fee lines in this dataset, each read on November 9, 2026. Headline rate: All-in-one 2.9% + $0.30, plus $25 a month.

| Fee | Amount | Source |
| --- | --- | --- |
| All-in-one | $25 per month and 2.9% + $0.30 per transaction. Subject to eligibility. | [Source](https://www.authorize.net/sign-up/pricing.html?ref=https%3A%2F%2Fwww.stripealternatives.com) |
| Gateway only | $25 per month, $0.10 per transaction, and a $0.10 daily batch fee. The merchant account is billed separately. | [Source](https://www.authorize.net/sign-up/pricing.html?ref=https%3A%2F%2Fwww.stripealternatives.com) |

## What does Authorize.net cost at $10,000, $100,000, and $1 million a month?

The arithmetic below uses a $50 average ticket and successful charges only. It is not a quote for international cards or disputes.

| Monthly volume | Stripe US cards | Authorize.net all-in-one |
| --- | --- | --- |
| $10,000.00 | $350.00 (200 × $0.30 + 2.9% of $10,000.00) | $375.00 (200 × $0.30 + 2.9% of $10,000.00 + $25.00 monthly) |
| $100,000.00 | $3,500.00 (2000 × $0.30 + 2.9% of $100,000.00) | $3,525.00 (2000 × $0.30 + 2.9% of $100,000.00 + $25.00 monthly) |
| $1,000,000.00 | $35,000.00 (20000 × $0.30 + 2.9% of $1,000,000.00) | $35,025.00 (20000 × $0.30 + 2.9% of $1,000,000.00 + $25.00 monthly) |

Includes the published $25 monthly fee. Subject to eligibility. This is not the gateway-only plan.

## Where does Authorize.net operate?

Coverage: United States pricing below. That is where Authorize.net operates, not a list of industries it accepts.

Do not treat a processor logo as an industry approval. If the business is on Stripe's prohibited list, switching the logo does not make the card payment lawful. The [restricted-business guide](/guides/stripe-restricted-businesses) is the map of Stripe's own words.

## How does Authorize.net differ from Stripe?

Stripe is a payment service provider at 2.9% + $0.30 for US domestic cards, read November 9, 2026, and it can review an account after you have started processing. Authorize.net is a gateway with the rate line All-in-one 2.9% + $0.30, plus $25 a month and the dispute line Not on the pricing page we read.

Authorize.net and Stripe can both process cards, and the bill still depends on which published row matches the payment type you actually take.

## How do you switch from Stripe to Authorize.net?

Stripe's data export page, read November 10, 2026, says Stripe transfers saved cards only to a PCI DSS Level 1 processor and does not export subscriptions or payment history. The [switching guide](/guides/switching-from-stripe) covers what moves, what needs Stripe's approval, and how to keep subscriptions billing. Read it before you cancel the Stripe account.

1. Export Stripe customers, prices, and dispute history while the dashboard still allows it.
2. Ask Authorize.net, in writing, whether it can receive a card transfer from Stripe. The switching guide names the providers whose own pages describe one.
3. Recreate plans and the next billing date. Run five real customers in a test mode, including one annual plan and one past-due plan.
4. Map webhooks and payout reconciliation before the cutover. Do not bill the same period on both systems.
5. If Stripe has already closed the account, plan for customers to enter cards again.

## What usually goes wrong?

The dispute fee is the small line. The disputed amount and the card-network ratio are the ones that close accounts.

The other failure is comparing a different product, such as a merchant-of-record percent or a gateway monthly fee, to Stripe's card rate as if they were the same line.

## Which providers are similar?

These listings share Authorize.net's type. The order is alphabetical, not a rank.

- [Braintree](/alternatives/braintree): 2.89% + $0.29.
- [Checkout.com](/alternatives/checkout-com): Custom.
- [Frame](/alternatives/frame-payments): From 2.0% + $0.39.
- [Helcim](/alternatives/helcim): Interchange + 0.50% + $0.25 online, at the base tier.

Also read [Stripe's fee breakdown](/guides/stripe-fees-explained) and the [pricing dataset](/data/pricing).

## Questions

### What does Authorize.net publish as its card rate?

Authorize.net's rate line in this directory is All-in-one 2.9% + $0.30, plus $25 a month, read on November 9, 2026. Use that line only for the product it describes.

### What is Authorize.net's dispute fee?

Authorize.net's dispute line is Not on the pricing page we read. Stripe's published fee to receive a dispute is $15 on the same date, November 9, 2026.

### Is Authorize.net the merchant of record?

Authorize.net is a gateway, not a merchant of record in this directory. You remain the merchant unless a contract you sign says otherwise.

### Where does Authorize.net operate?

United States pricing below. That is the coverage note stored with the November 9, 2026 reading. It is not a list of merchant category codes Authorize.net has approved.

### Should you leave Stripe for Authorize.net?

Only when this is the fit: Businesses that already have a merchant account and want a long-standing gateway. If the Stripe account is healthy and Stripe's other products are part of why you chose it, staying is often the smaller move. Authorize.net does not become a yes just because it is on this page.

### How much is Authorize.net at $10,000 a month?

At $10,000 a month and a $50 ticket, Authorize.net all-in-one is $375.00 using the published rate read on November 9, 2026. Stripe on the same assumptions is $350.00. Includes the published $25 monthly fee. Subject to eligibility. This is not the gateway-only plan.

## Sources

Last verified November 9, 2026.

- Authorize.net pricing: https://www.authorize.net/sign-up/pricing.html?ref=https%3A%2F%2Fwww.stripealternatives.com
- Authorize.net website: https://www.authorize.net/?ref=https%3A%2F%2Fwww.stripealternatives.com
- Stripe pricing: https://stripe.com/pricing?ref=https%3A%2F%2Fwww.stripealternatives.com
- Stripe: payment data export: https://docs.stripe.com/get-started/data-migrations/pan-export?ref=https%3A%2F%2Fwww.stripealternatives.com

## Related

- [Stripe pricing profile](/alternatives/stripe.md)
- [Stripe vs Authorize.net](/compare/stripe-vs-authorize-net.md)
- [How Stripe's US fees add up](/guides/stripe-fees-explained.md)
- [How to switch from Stripe](/guides/switching-from-stripe.md)
- [Lowest-fee Stripe alternatives](/best/lowest-fees.md)
- [Pricing dataset for November 9, 2026](/data/pricing.md)
- [All provider profiles](/alternatives.md)
- [Braintree profile](/alternatives/braintree.md)