What it does
Authorize.net offers merchant card and eCheck collection, digital invoices, recurring billing and virtual-terminal tools. Businesses based in the United States, Canada, the United Kingdom, Europe or Australia can apply and accept customers internationally. Access uses a paid gateway account, with processing supplied through Authorize.net or a separate provider.
In the New Merchant Interface 2.0, open Payments, Invoicing and + Create Invoice. Enter the invoice number, due date, currency, customer name and email, then add the items, quantities and prices. Add shipping, discounts or taxes when needed, and choose whether to allow partial payment.
Send Invoice emails the request; Save as Draft keeps it for later without notifying the customer. The invoice list separates unpaid, partially paid, paid, canceled and overdue records. Search by invoice number or sort by status to follow up on the correct balance.
Virtual Terminal instead handles staff-entered phone orders. Recurring Payments manages scheduled charges, while Account Updater maintains stored card details between purchases.
Published US pricing
| Arrangement | Monthly gateway fee | Additional published charges |
|---|---|---|
| All-in-one | $25 | 2.9% + $0.30 per transaction, subject to eligibility |
| Gateway only | $25 | $0.10 per transaction and $0.10 per daily batch; processor fees are separate |
| Gateway with eCheck | $25 | Card gateway charges as above; eCheck processing at 0.75% |
The eCheck schedule also has a $10 monthly processing minimum, a $3 returned-item fee and a $25 chargeback fee. Account Updater costs $0.25 per update. Check the full merchant agreement, including any separate processor's terms and settlement schedule, before choosing the account arrangement.
Strengths
- Simple Checkout provides Buy Now and Donate buttons for a website.
- Configurable fraud filters can screen payment attempts against merchant-selected rules.
Watch out for
- Digital invoices support up to 30 line items.
- eCheck processing is available only to businesses in the United States.
Best for
- Merchants collecting emailed invoices and telephone orders
- Businesses deciding whether to keep an existing payment processor
Sources
- Authorize.net: Collection products and checkout buttons (Oct 27, 2026)
- Authorize.net: Digital invoicing in Merchant Interface 2.0 (Oct 27, 2026)
- Authorize.net: Merchant eligibility and ecommerce controls (Oct 27, 2026)
- Authorize.net: Gateway, processing and add-on prices (Oct 27, 2026)