• Processing transactions reliably and securely is essential to your business. Authorize.Net, a leading payment gateway since 1996, provides solutions you can trust. More than 238,000 merchants depend on us to process their transactions, assist in fraud prevention, and help their businesses grow.

Connecting your Web site to the payment processing networks is typically beyond the technical resources of most merchants. Instead, you can easily connect to the Authorize.Net Payment Gateway, which provides the complex infrastructure and security necessary to ensure fast, reliable and secure transmission of transaction data.

The process...

The credit card payment process consists of two phases: authorization (determining whether payment information is valid and funds are available on the customer's credit card) and settlement (the transfer of funds into the merchant's account).


Steps 1-8 in the diagram represent the authorization phase. Authorize.Net routes the payment details to the credit card networks on behalf of the merchant, then returns the results approved or declined.


Step 9 is the settlement phase, sometimes referred to as funding. The customer's credit card issuing bank sends the appropriate funds for the transaction to the merchant's bank. The bank then deposits the funds into the merchant's bank account, typically within two to four business days.

Secure and Reliable

  • With Authorize.Net, your customers can be confident their data is secure.
  • Compliant with the Payment Card Industry Data Security Standard (PCI DSS)
  • Over one billion transactions processed
  • Secure, fully redundant data centers

Fraud Prevention

U.S. merchants lost an estimated $4 billion to online fraud in 2008. We offer a variety of tools to help protect your business.

  • Free Address Verification Service (AVS) and Card Code Verification (CCV)
  • Free Velocity Filter to help thwart authorization fraud+ Optional Advanced Fraud Detection Suite™

Free Customer Support

  • Free customer support via toll-free phone, e-mail or live chat
  • Online searchable Knowledge Base
  • Winner of a 2008 ACE Award for customer satisfaction

Online Reports and Settings

Manage your payment gateway account through the Authorize.Net Merchant Interface, a password-protected Web site.

  • Submit, monitor and review transactions
  • Configure account and transaction settings
  • View billing statements and reports
  • Download transaction data into QuickBooks®
  • Multiple user accounts for separate employee roles

Accept Payments Quickly

Authorize.Net has certified dozens of partners—shopping carts, auction integration tools, POS systems, kiosks and mobile payment devices—against strict technical standards, allowing you to simply choose a turnkey payment solution.

Value-Adding Products

Authorize.Net provides additional merchant solutions to help your business grow. You can purchase any of the following value-adding products to enhance your Authorize.Net Payment Gateway account.

Automated Recurring Billing (ARB)

ARB is a convenient and powerful tool for managing recurring transactions such as subscriptions or installment payments. ARB's flexible features enhance customer service and build customer loyalty, while reducing authorization declines and overall administrative costs.

Advanced Fraud Detection Suite (AFDS)

AFDS is a customizable, rules-based fraud detection system that provides e-commerce merchants with powerful ?lters and tools to identify, manage, and prevent suspicious and potentially costly fraudulent transactions. Customize AFDS to match your business needs.

Customer Information Manager (CIM)

Store sensitive payment data on our secure servers via the CIM API, potentially simplifying your compliance with the Payment Card Industry Data Security Standard (PCI DSS). CIM also simpli?es payments for returning customers and dynamic recurring transactions.


Accept electronic check payments directly from Web sites or through the Authorize.Net Virtual Terminal. You can also convert paper checks received in the mail, a drop-box or at the point of sale, into electronic payments. By accepting electronic checks, you expand the payment options available to new and existing customers, potentially increasing revenues.