Stripe vs Authorize.net
Stripe vs Authorize.net compares published lines. Stripe's US domestic cards are 2.9% + $0.30, read November 9, 2026. Authorize.net is listed at All-in-one 2.9% + $0.30, plus $25 a month. Dispute fees that day: Stripe $15 received, and Authorize.net Not on the pricing page we read.
What is the verdict on Stripe vs Authorize.net?
Authorize.net publishes All-in-one 2.9% + $0.30, plus $25 a month, read on November 9, 2026. Stripe's US domestic card rate on that date is 2.9% + $0.30.
Authorize.net's all-in-one plan is $25 a month plus 2.9% + $0.30, which is Stripe's card rate plus a monthly fee. The reason to pick Authorize.net is the gateway-only plan: $25 a month and $0.10 a transaction, on top of a merchant account you already have and like. The reason to pick Stripe is that you do not want to assemble that stack.
How do Stripe and Authorize.net compare on features?
Authorize.net is a gateway with the dispute line Not on the pricing page we read, read on November 9, 2026. Stripe's dispute line on that date is $15 received.
| Feature | Stripe | Authorize.net |
|---|---|---|
| Card rate | 2.9% + $0.30 | All-in-one 2.9% + $0.30, plus $25 a month |
| Dispute fee | $15 received | Not on the pricing page we read |
| Pricing | Flat rate | Mixed |
| Payout | Standard schedule free. Instant 1.5%, minimum $0.50. | Depends on the merchant account behind the gateway. |
| Region | Global. Rates here are the US list prices. | United States pricing below. |
| Underwriting | Instant signup. Stripe can review, restrict, or close the account later. | The all-in-one plan is subject to eligibility. A gateway-only account still needs someone to underwrite the merchant account. |
| Merchant of record | ||
| In the fee calculator |
What does Stripe vs Authorize.net cost at $10,000, $100,000, and $1 million a month?
The dollar columns use a $50 average ticket and successful charges only, on rates read November 9, 2026. Authorize.net's published line is All-in-one 2.9% + $0.30, plus $25 a month.
Stripe
Published standard rate, read November 9, 2026.
- Manually entered cards. +0.5%
- International cards. +1.5%
- Currency conversion. +1% when required
Authorize.net
Published standard rate, read November 9, 2026.
- Gateway only. $25 per month, $0.10 per transaction, and a $0.10 daily batch fee. The merchant account is billed separately.
| Monthly volume | Stripe, $50 ticket | Authorize.net |
|---|---|---|
| $10,000 | $350.00 | $375.00 |
| $100,000 | $3,500.00 | $3,525.00 |
| $1 million | $35,000.00 | $35,025.00 |
Read on November 9, 2026 from each provider's pricing page. A figure that says "from" is a floor, not the rate a business is charged. International cards, currency conversion, and disputes are not inside these totals. Stripe pricing · Authorize.net pricing
Where does Stripe win, and where does Authorize.net win?
Stripe wins on the job in the left column. Authorize.net wins on the job in the right column, at the rate All-in-one 2.9% + $0.30, plus $25 a month read on November 9, 2026.
Stripe wins when
You want one vendor, no monthly gateway fee, and the rest of Stripe's products.
Authorize.net wins when
You already have an interchange-plus merchant account and you only need a gateway in front of it.
How do underwriting and account stability differ?
Stripe's underwriting note is instant signup, with the right to review later, as recorded on November 9, 2026. Authorize.net's note is: The all-in-one plan is subject to eligibility. A gateway-only account still needs someone to underwrite the merchant account.
A live API key is not the same thing as a written approval. If Stripe closed the account for the business model, an instant-onboard processor can reach the same answer after you have moved customers. A prohibited category does not become lawful because the logo changed.
How do you switch from Stripe to Authorize.net?
Stripe's data export page, read on 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 is the longer checklist.
- Export Stripe customers, prices, and disputes while the dashboard still allows it.
- Ask Authorize.net in writing whether a Stripe token import exists. This page does not claim one.
- Recreate plans and run five real customers in a test, including one annual plan.
- Map webhooks before cutover. Do not bill the same period twice.
- If the Stripe account is already closed, plan for customers to enter cards again.
What did Authorize.net publish on the pricing page?
Authorize.net contributed 2 fee lines to this comparison, read on November 9, 2026. The headline beside those lines is All-in-one 2.9% + $0.30, plus $25 a month.
All-in-one
$25 per month and 2.9% + $0.30 per transaction. Subject to eligibility.
Gateway only
$25 per month, $0.10 per transaction, and a $0.10 daily batch fee. The merchant account is billed separately.
Where is the source page?
These figures were last updated November 9, 2026. The provider's own page is the source.