Best Authorize.Net Merchant Accounts (2023)

Integrating Authorize.Net Into Your Payment Processing

Authorize.Net is the most popular payment gateway on the market by a wide margin, and its growth is largely due to the fact that it partners with merchant account providers to resell its services. Merchants who wish to use Authorize.Net for their e-commerce payments have two options: they can open an account directly through Authorize.Net, or they can link Authorize.Net’s payment gateway to the merchant account of an authorized third-party processor. Although both options have their benefits and drawbacks, many merchants prefer to secure a great deal with a third party and then activate an Authorize.Net payment gateway. This option gives brick-and-mortar merchants access to traditional credit card processing options at an affordable price, and it enables existing Authorize.Net users to shop around for rates that are lower than Authorize.Net’s standard pricing. However, it can be difficult to determine which Authorize.Net resellers offer the best combinations of low pricing and quality service.

That’s why we’ve prepared the following list of the top best merchant accounts for Authorize.Net. The providers below are highly rated both by merchants and by third-party reviewers, and they are all authorized resellers of Authorize.Net’s payment gateway. Merchants can obtain competitive pricing as well as point-of-sale solutions, mobile processing options, marketing tools, and other business services through these companies. In order to secure the lowest possible rates and find the company that best serves your business needs, it’s recommended that you contact multiple providers from this list.

How to Select the Best Authorize.Net Credit Card Processor

When selecting a credit card processor for an Authorize.Net business in the USA, there are several factors to consider to ensure that you are getting the best solution for your business needs. Some of the key factors to consider include:

Integration with Authorize.Net

It’s important to choose a credit card processor that integrates seamlessly with Authorize.Net since this is the gateway that you will be using to process payments. Check if the processor has a pre-built integration with Authorize.Net or if they require custom coding to connect the two.

Credit Card Processing Transaction Fees

The transaction fees charged by the credit card processor can have a significant impact on your bottom line, so it’s important to compare rates across different processors. Look for a processor that offers competitive rates and transparent pricing with no hidden fees.

Payment Processing Speed

The speed at which payments are processed can impact the customer experience, so it’s important to choose a processor that offers fast processing times. Look for a processor that has a reputation for reliable and speedy payments processing.

Security and Fraud Prevention

Payment security is critical for any business that processes credit card transactions. Look for a processor that offers robust security features such as tokenization, encryption, and fraud detection.

Superior Customer Support

In the event that you encounter any issues with your payment processing, it’s important to have access to reliable customer support. Look for a processor that offers 24/7 customer support with fast response times.

Reputation and Reviews

Finally, consider the reputation of the credit card processor in the industry and read reviews from other businesses that use the service. Look for a processor with a track record of providing reliable, trustworthy service. You can consider our review on this website, by simply searching for the processor in the search bar at the top of this page.

Overall, when selecting a credit card processor for an Authorize.Net business in the USA, it’s important to do your research and compare different options to find the best fit for your business needs. By considering the factors outlined above, you can ensure that you are selecting a processor that offers the right combination of features, pricing, and support to help your business succeed.

Top Picks for Authorize.Net Merchant Services

Host Merchant Services logo

#1 Host Merchant Services

The Best Credit Card Processing Service for Authorize.Net

Host Merchant Services is a Newark, Delaware-based merchant account provider that specializes in e-commerce solutions. The company resells the Authorize.Net payment gateway and also offers complimentary services like automated recurring billing, fraud detection, a secure customer information manager, check acceptance, online marketing tools, gift and loyalty programs, merchant cash advance, and offshore merchant accounts. Host Merchant Services also provides a free website and email address to interested new merchants.

Host Merchant Services has received only positive feedback on public forums, with most reviewers singling out the company’s customer service for praise. Host offers interchange-plus pricing with no early termination fees to all of its merchants, meaning that users will enjoy the most transparent pricing model and can cancel service without penalty. The BBB gives Host an “A+” rating, and CPO also gives the company an “A+.”

Why Host Merchant Services is the Perfect Payment Processor for Authorize.Net Users

If you’re a small business owner who sells Authorize.Net products and needs a reliable credit card processing service, Host Merchant Services (HMS) is the perfect solution for you. HMS is a leading payment processor that offers a range of services, including credit card processing, virtual terminals, and mobile payments. Here are a few reasons why HMS is a great option for business owners who use Authorize.Net:

Seamless Integration with Authorize.Net

HMS offers seamless integration with Authorize.Net, making it easy for businesses to accept credit card payments from customers. The integration process is simple and straightforward, allowing businesses to start accepting payments in no time.

Competitive Rates

HMS offers competitive rates that are designed to save businesses money on credit card processing fees. The company offers transparent pricing, with no hidden fees or surprise charges.

Customizable Solutions

HMS offers customizable payment processing solutions to meet the unique needs of each business. Whether you need a virtual terminal, mobile payments, or recurring billing, HMS can provide a solution that fits your business.

Dedicated Support

HMS offers dedicated support to all of its customers, ensuring that any issues or concerns are resolved quickly and efficiently. The company has a team of experienced professionals who are available 24/7 to assist with any questions or concerns.

If you’re a small business owner who uses Authorize.Net and needs a reliable and affordable credit card processing service, Host Merchant Services is the perfect solution for you. With seamless integration, competitive rates, customizable solutions, and dedicated support, HMS offers everything you need to accept credit card payments from your customers with ease.

For more information, visit the Host Merchant Services website or call (888) 727-4538.


Host Merchant Services

Highly Rated Customer Support

Competitive Rates & Fees

No Contract

Sales & Support:

PaymentCloud Logo


Top Rated Merchant Service for Authorize.Net

Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving standard to high-risk business types. The company’s products and services include point-of-sale solutions, mobile phone swipers, an online payment gateway and virtual terminal, EMV-compatible terminals, and merchant cash advances. Powered by Authorize.Net, the virtual terminal offered by PaymentCloud creates a secure portal for one-time transactions and recurring billing payments. The virtual terminal can also generate invoices for customers that can be paid with the simple click of an encrypted hyperlink. Furthermore, PaymentCloud optimizes its virtual terminal by integrating websites with one of its numerous online shopping carts partners, including OpenCart, BigCommerce, Shopify, and many others.

PaymentCloud provides a dedicated account rep to all new merchants for the life of the account. The company has not received any negative complaints on consumer forums, and it customizes its pricing according to each merchant’s business type and processing history. The BBB does not maintain a profile for PaymentCloud at this time, but CPO gives the company an “A.”

Why PaymentCloud is the Best Credit Card Processing Option for Authorize.Net Products

Authorize.Net is one of the leading payment gateways for online businesses, providing a secure and reliable platform for credit card processing. However, choosing the right payment processor can be a daunting task for small business owners. PaymentCloud is an excellent option for business owners who sell Authorize.Net products and need to accept credit card payments from customers.

Offers Dynamic Services

PaymentCloud is an authorized reseller of Authorize.Net, which means that it has a deep understanding of the payment gateway and its features. PaymentCloud also provides a streamlined application process and fast approval times, making it a hassle-free option for business owners. Furthermore, PaymentCloud offers competitive pricing with no hidden fees or long-term contracts.

Fully Customizable Integration Options

PaymentCloud’s Authorize.Net integration offers a range of benefits to business owners. Firstly, it provides a seamless checkout experience for customers, reducing the likelihood of cart abandonment. Secondly, it offers advanced fraud detection and prevention features, ensuring that businesses can operate with peace of mind. Lastly, PaymentCloud’s Authorize.Net integration is fully customizable, allowing businesses to tailor their payment process to their specific needs.

PaymentCloud is an excellent option for business owners who sell Authorize.Net products and need to accept credit card payments from customers. Its status as an authorized reseller of Authorize.Net, streamlined application process, competitive pricing, and customizable integration make it the perfect partner for small businesses looking to streamline their payment processing.

For more information, visit the PaymentCloud website or call (888) 506-7859.



Fast Approval of Most Industries

Competitive Rates

No Cancellation Fees

Sales & Support:

cdg commerce logo

CDG Commerce

Top Rated Credit Card Processor for Authorize.Net

Privately owned since 1998, CDG Commerce is a merchant account provider that is headquartered in Chesapeake, Virginia. CDG Commerce offers special pricing for its merchants who link their merchant accounts to the Authorize.Net gateway, waiving the setup fee entirely and only charging $15 per month and $.05 per transaction. CDG also offers retail and mobile solutions as well as its own Quantum Gateway as an alternative to Authorize.Net.

CDG Commerce offers fixed per-transaction fees with month-to-month contracts and no early termination fees. The company has a remarkably low complaint total considering the fact that it has been in business and growing since 1998 and has retained the same ownership during that time. Our review of CDG Commerce gives the company an “A+” rating, and the BBB also gives CDG Commerce an “A+.

Why PaymentCloud is the Best Credit Card Processing Option for Authorize.Net Products

CDG Commerce is a top-rated credit card processing company that offers a range of payment processing solutions for small businesses. For business owners who sell Authorize.Net products and need to accept credit card payments from customers who are buying Authorize.Net products, CDG Commerce is an excellent option. Here are some reasons why:

Seamless Integration with Authorize.Net

CDG Commerce has a strong partnership with Authorize.Net, which is a leading payment gateway provider. As a result, CDG Commerce seamlessly integrates with Authorize.Net, making it easy for businesses to accept credit card payments from customers who use Authorize.Net products. This integration saves business owners time and hassle and provides customers with a smooth and secure payment experience.

Competitive Rates and Fees

CDG Commerce offers competitive rates and fees for credit card processing services, including for businesses that sell Authorize.Net products. By offering affordable rates, CDG Commerce helps businesses save money on payment processing costs, which can be critical for small businesses looking to maximize their profits.

Expert Support

CDG Commerce provides expert support to its clients, including those who sell Authorize.Net products. The company’s support team is available 24/7 to answer questions, resolve issues, and provide guidance to business owners. This support can be invaluable for small businesses that may not have dedicated IT or payment processing staff.

CDG Commerce is an excellent option for small business owners who sell Authorize.Net products and need to accept credit card payments. With seamless integration, competitive rates and fees, and expert support, CDG Commerce makes it easy and affordable for businesses to process payments from customers who use Authorize.Net products.

For more information, see the CDG Commerce Website or call (888) 393-1079.


CDG Commerce

Low Rates & Fees

No Cancellation Fees

Compatible With Numerous Apps

Sales & Support:

Additional Options

Shopify Logo


Shopify is primarily known as an e-commerce platform for online merchants, but the company also offers a point-of-sale software solution for iPad and iPhone. Shopify supports integration with the Authorize.Net gateway. The Shopify POS app can accept cards via a headphone jack card swiper, or a $129 EMV reader and includes features like inventory syncing with a web store, emailed receipts, automatic tax calculations, basic email marketing, and in-store refunds. These online payment options and the familiarity of the Shopify brand are great for merchants who will feel safe and comfortable using the service.

The Shopify payment service can also be paired with a Shopify online store, which comes with numerous customization options. Shopify POS is a great fit for merchants who would like to accept payments on-site using their phones as well as through online billing. Shopify has an “A+” rating with the BBB, and we give it an “A+” rating as well.

Why Shopify is a Great Choice for Accepting Authorize.Net Payments

If you’re a small business owner who sells Authorize.Net products and needs to accept credit card payments from customers, Shopify is the perfect solution for you. Shopify offers a seamless integration with Authorize.Net, making it easy to accept payments from your customers without any hassles. Here are some reasons why Shopify is the best choice for accepting Authorize.Net payments.

Easy and Secure Payment Processing

Shopify offers a safe and secure platform for processing credit card payments. They use industry-leading encryption and security protocols to protect your customer’s sensitive information. With Shopify, you can accept payments from all major credit cards, including Visa, MasterCard, American Express, and Discover.

Fast and Efficient Payment Processing

Shopify’s integration with Authorize.Net provides a quick and easy payment processing experience. Once your customer enters their credit card information, the payment is processed in real-time, and the funds are deposited directly into your bank account within a few business days. Shopify also provides detailed reports on your transactions, making it easy to keep track of your sales.

Customizable Payment Options

With Shopify, you can customize your payment options to suit your business needs. You can choose to accept payments through multiple channels, including credit card, PayPal, and Apple Pay. You can also set up recurring billing, which is ideal for subscription-based services.

In conclusion, Shopify is the ideal solution for small businesses that sell Authorize.Net products and need to accept credit card payments. With its easy and secure payment processing, fast and efficient transactions, and customizable payment options, Shopify is the best choice for businesses that want to streamline their payment processes and improve their customer experience.

For more information, visit the Shopify website or call (888) 746-7439.



Easy to Use Store Builder

Integrated Payment Options

Mobile and Point-of-Sale Options

National Processing Company Logo

National Processing

National Processing offers several small business processing options and can assist merchants with integrating with the Authorize.Net payment gateway. The company offers two pricing options: one an interchange-plus program or a “zero-fee” program, both of which offer competitively priced rates.

National Processing has a clean reputation with just one complaint filed in the last three years, which is not concerning in nature. Our independent review finds National Processing to be a solid option for most merchants needing processing through Authorize.Net.

Authorize.Net Payment Processing Made Easy with National Processing

Authorize.Net is one of the most popular payment gateways, which enables businesses to accept online payments securely. As an Authorize.Net user, you need a reliable credit card processor that can seamlessly integrate with your payment gateway to facilitate smooth transactions. National Processing is an ideal choice for small businesses that sell Authorize.Net products and need to accept credit card payments from customers.

Seamless Integration with Authorize.Net

National Processing is one of the few credit card processors that offer seamless integration with Authorize.Net. This means that you can easily link your Authorize.Net account with National Processing to start accepting credit card payments without any technical difficulties. The integration process is straightforward and takes only a few minutes to complete. Once you’re integrated, you’ll be able to accept all major credit cards, including Visa, Mastercard, and American Express.

Robust Security Features

Security is critical when it comes to online transactions. National Processing provides the highest level of security for credit card processing. They are PCI compliant, which means that they meet the Payment Card Industry Data Security Standards. Their fraud detection system is also top-notch, providing real-time alerts and reducing the risk of fraudulent transactions. With National Processing, you can rest assured that your customers’ payment information is secure.

Competitive Processing Rates

Processing fees can eat into your profits, especially if you’re a small business. National Processing offers competitive processing rates that are among the lowest in the industry. Their pricing structure is transparent, and there are no hidden fees or charges. With National Processing, you’ll be able to keep more of your hard-earned money.

If you’re an Authorize.Net user looking for a reliable credit card processor, National Processing is an excellent choice. They offer seamless integration with Authorize.Net, robust security features, and competitive processing rates. With National Processing, you’ll be able to accept credit card payments smoothly and securely.

For more information, see the National Processing website or call (385) 777-1235.

National Processing

Best Option For Clover POS

Competitive Rates & Fees

Highly Rated Customer Service

Sales & Support:

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About The Author

Phillip Parker is the creator and author behind this website. He has over 15 years of experience in the credit card processing industry as a journalist, consultant, and former merchant account sales professional. He started this project as a blog to expose merchant services providers that engage in predatory business practices, such as deceptive marketing, misleading pricing, and high-pressure sales tactics. His goal is to help business owners find merchant account providers who serve their industry well while offering fair rates with no junk fees and no long-term commitments.

Phillip has researched over 1,000 payment processors and been quoted in numerous high-profile publications, including the Los Angeles Time, INC Magazine, The Atlantic, and the Miami Herald among others.

Need advice on card acceptance? Schedule a consultation with Phillip.