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.
Best Merchant Accounts 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+.”
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.”
Active since early 2014, Fattmerchant is a merchant account provider leading the industry’s move toward flat-rate, subscription-style pricing. The company’s products and services include EMV-compatible countertop terminals, a virtual terminal, an online payment gateway, an online shopping cart, mobile phone processing, QuickBooks integration, online invoicing, and recurring billing. Fattmerchant integrates with Authorize.net with minimal disruption and offers its own comprehensive dashboard for tracking all payments and customers.
Fattmerchant offers multiple pricing plans with different rates. Merchants can select either a plan that charges a flat fee on all transactions or a plan that charges a fixed monthly fee plus a fixed per-transaction dollar amount above interchange. In other words, merchants can choose whether or not they are charged a percentage markup on each transaction. Fattmerchant currently has an “A” rating on CPO and an “A+” rating with the Better Business Bureau.
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+.”
Payment Depot is an Orange, California-based merchant account provider that is capable of serving most in-store, mobile, and online business types. The company can integrate existing Authorize.Net user accounts with its merchant account or open an Authorize.Net account for new merchants.
Payment Depot utilizes an uncommon pricing model that has the potential to be more affordable than any other Authorize.Net reseller. The company’s membership-style pricing charges a fixed monthly fee and a per-transaction fee of interchange plus a flat dollar amount, meaning there is no percentage-based markup on transactions. This may be appealing for merchants that sell large-ticket items through their Authorize.Net gateways, as it limits the amount that they pay to Payment Depot with each sale.
Based in San Francisco, California, Dharma Merchant Services is one of the most positively reviewed merchant account providers in the industry. Dharma offers traditional debit and credit card processing hardware, mobile processing, and retail POS systems in addition to the Authorize.Net gateway, which it provides for a reduced setup fee of $75 to non-profit organizations. Dharma also donates 50% of its net profits each year to charities of its choosing, which may be appealing to civic-minded merchants.
Dharma offers very competitive pricing of interchange plus 0.35% plus $0.15 per transaction to all of its Authorize.net merchants with no long-term contracts or early termination fees. This transparent pricing has generated a regular stream of positive merchant reviews for the company on this website and other third-party forums. Dharma’s sales and support staff are also consistently praised for their helpfulness and availability. Our review of Dharma Merchant Services gives the company an “A+” rating at this time, while the Better Business Bureau gives Dharma an “A+” rating.
Headquartered in Missoula, Montana, Big Sky Commerce is a merchant account provider that offers retail, mobile, and e-commerce processing solutions. The company’s Authorize.Net payment gateway comes with recurring billing, electronic check acceptance, a virtual terminal, shopping cart integration, multi-currency support, sales reporting, customer relationship management, API integration, and “Buy/Donate Now” buttons.
Big Sky Commerce customizes its pricing depending on each merchant’s business type, size, and time in business, and processing history. The company is showing zero complaints across all consumer protection websites, which is impressive considering the fact that it has been in business since 2003. Our review of Big Sky Commerce gives the company an “A” at this time, while the BBB currently gives Big Sky an “A+” rating.
Located in Dallas, Texas, Chase Merchant Services is the payment processing division of banking giant JPMorgan Chase. The company is a direct processor with Visa and MasterCard and is one of the largest credit card processors in the industry. As such, it is capable of serving businesses of all sizes and types. Chase offers its own proprietary Orbital payment gateway, but it can also integrate its merchant accounts with Authorize.Net without issue.
Chase Merchant Services customizes its pricing for each merchant and enjoys an impressively low complaint rate relative to its massive size. Our review of Chase Merchant Services gives the company an “A” rating at this time, while the BBB gives Chase an “B-” rating.