# Stripe vs Authorize.net

Title: Stripe vs Authorize.net: fees

Description: Compare Authorize.net with Stripe. Stripe's US rate is 2.9% + $0.30. Authorize.net: All-in-one 2.9% + $0.30, plus $25 a month. Read November 9, 2026.

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.

# Stripe vs Authorize.net

An all-in-one processor compared with a gateway that can sit on a separate merchant account.

[Authorize.net](https://www.authorize.net/?ref=https%3A%2F%2Fwww.stripealternatives.com)

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.

| 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 | No | No |
| In the fee calculator | Yes | Yes |

## Pricing

- Stripe: 2.9% + $0.30
- Authorize.net: All-in-one 2.9% + $0.30, plus $25 a month

## With Stripe

You want one vendor, no monthly gateway fee, and the rest of Stripe's products.

## With Authorize.net

You already have an interchange-plus merchant account and you only need a gateway in front of it.

## On the pricing page

- **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.

## Questions

### Is Authorize.net lower than Stripe on the published line?

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

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

Authorize.net lists Not on the pricing page we read. Stripe lists $15 when a dispute is received. Both lines were read on November 9, 2026.

### How does Authorize.net underwrite compared with Stripe?

The all-in-one plan is subject to eligibility. A gateway-only account still needs someone to underwrite the merchant account. Stripe signs businesses up quickly and can review them later. A listing on this page is not an approval.

### When should you keep Stripe instead of Authorize.net?

You want one vendor, no monthly gateway fee, and the rest of Stripe's products.

### When should you choose Authorize.net?

You already have an interchange-plus merchant account and you only need a gateway in front of it.

### Can Stripe card tokens move to Authorize.net?

This page does not claim that Authorize.net imports Stripe tokens. Ask in writing. Stripe's data export page, read on November 10, 2026, says Stripe transfers card data only to a PCI DSS Level 1 processor.

## Sources

Last verified November 9, 2026.

- Stripe: https://stripe.com/?ref=https%3A%2F%2Fwww.stripealternatives.com
- Stripe pricing: https://stripe.com/pricing?ref=https%3A%2F%2Fwww.stripealternatives.com
- Authorize.net: https://www.authorize.net/?ref=https%3A%2F%2Fwww.stripealternatives.com
- Authorize.net pricing: https://www.authorize.net/sign-up/pricing.html?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)
- [Authorize.net profile](/alternatives/authorize-net.md)
- [How to switch from Stripe](/guides/switching-from-stripe.md)
- [How Stripe's US fees add up](/guides/stripe-fees-explained.md)
- [Fee calculator](/tools/fee-calculator.md)
- [Lowest published fees](/best/lowest-fees.md)
- [All Stripe comparisons](/compare.md)
- [Stripe vs Checkout.com](/compare/stripe-vs-checkout-com.md)
- [Stripe vs Shopify Payments](/compare/stripe-vs-shopify-payments.md)
- [Stripe vs Helcim](/compare/stripe-vs-helcim.md)