Authorize.Net Fee Calculator
Calculate exact merchant fees across the All-in-One plan, Gateway Only accounts, eCheck.Net ACH, and the $25 monthly gateway fee.
Used to calculate per-transaction fixed fees and amortize the $25/mo gateway charge.
Effective Processing Cost: 3.30%
Fee Wealth Leakage Radar & Profit Drag
Multi-Rail Arbitrage ("Switch & Save")
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Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
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Authorize.Net Pricing Matrix by Volume (2026)
See how Authorize.Net's $25 monthly gateway fee amortizes across growing business sales compared to flat 2.9% + 30¢ providers.
| Monthly Volume | Txn Count | All-in-One Fee | Gateway Only Fee | eCheck Fee | Effective Rate |
|---|---|---|---|---|---|
| $2,500 | 25 | $105.00 | $30.50 | $43.75 | 4.20% |
| $10,000 | 100 | $345.00 | $38.00 | $100.00 | 3.45% |
| $25,000 | 250 | $825.00 | $53.00 | $212.50 | 3.30% |
| $50,000 | 500 | $1625.00 | $78.00 | $400.00 | 3.25% |
| $100,000 | 1000 | $3225.00 | $128.00 | $775.00 | 3.23% |
| $250,000 | 2500 | $8025.00 | $278.00 | $1900.00 | 3.21% |
Comparing Authorize.Net vs Stripe & Square?
Authorize.Net is a Visa solution engineered for enterprise B2B and established retail looking for custom merchant underwriting and POS terminal support. For a head-to-head breakdown of API maturity and international card fees, see our comparison guide.
Read Full Authorize.Net vs Stripe Comparison →Frequently Asked Questions: Authorize.Net Pricing & Gateways
What are official Authorize.net merchant processing fees in 2026? ▾
Authorize.net all-in-one accounts charge 2.90% + $0.30 per transaction plus a $25.00 monthly gateway fee. For merchants who already have an existing merchant account, the gateway-only plan costs $25.00/mo plus $0.10 per transaction and a $0.10 daily batch fee.
At what processing volume does Authorize.net's gateway-only plan become profitable? ▾
If you have an external merchant account with low interchange-plus rates (e.g. IC + 0.20%), the gateway-only plan ($25/mo + $0.10/tx) becomes substantially cheaper than flat-rate processors (Stripe/Square at 2.9%) once your business processes over $15,000 monthly.
What is the Customer Information Manager (CIM) tokenization service on Authorize.net? ▾
CIM securely stores sensitive customer credit card and billing details on Authorize.net's Level 1 PCI-compliant servers, enabling recurring subscription billing, card-on-file checkouts, and multiple payment methods per customer profile.
What are Authorize.net chargeback and dispute administrative fees? ▾
Authorize.net charges a standard $25.00 dispute administration fee per chargeback filed by cardholders, which is assessed through your connected merchant acquiring bank.
Does Authorize.net support eCheck (ACH bank direct debit) processing? ▾
Yes. Authorize.net eCheck charges 0.75% per transaction with a $25/mo gateway fee, providing a cost-effective alternative to credit cards for high-value B2B invoicing and wholesale trade.
How does the Advanced Fraud Detection Suite (AFDS) work? ▾
AFDS includes 13 configurable fraud filters (IP velocity, transaction amount thresholds, shipping address mismatches, card country mismatch) allowing merchants to automatically hold suspicious transactions for manual review.
Can Authorize.net accept international cards and foreign currencies? ▾
Yes. Authorize.net supports international Visa, Mastercard, American Express, and Discover cards, processing in USD, CAD, GBP, EUR, and AUD through supported acquiring merchant banks.
What payout schedules apply to Authorize.net settlement batches? ▾
Authorized transactions are batched automatically at the end of each business day, settling into your business checking account within 24 to 48 business hours via standard interbank ACH.