# Compare PayPal vs authorize.net 2026 | Capterra

> Unsure of what to choose? Check Capterra to compare PayPal and authorize.net based on pricing, features, product details, and verified reviews.

Source: https://www.capterra.com/compare/207944-221412/PayPal-vs-authorizenet

---

# PayPal vs authorize.net Features and Cost Comparison

Last updated April 27th, 2026

Provider data verified by our Software Research team, and reviews  
moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/)

Your comparison:

PayPalauthorize.net2/4 selected

[PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,395)](https://www.capterra.com/p/207944/PayPal/reviews/)

[authorize.net](https://www.capterra.com/p/221412/authorizenet/)[4.5 (219)](https://www.capterra.com/p/221412/authorizenet/reviews/)

[## PayPal](https://www.capterra.com/p/207944/PayPal/)[4.6 (26,395)](https://www.capterra.com/p/207944/PayPal/reviews/)

Starting Price

$0.29

Value-for-Money

4.5

Functionality

4.6

Ease of Use

4.6

Customer Service

4.2

Reviews Sentiment

Based on [26,395 reviews](#user-reviews)

Positive

24,809

Neutral

1,062

Negative

524

[## authorize.net](https://www.capterra.com/p/221412/authorizenet/)[4.5 (219)](https://www.capterra.com/p/221412/authorizenet/reviews/)

Starting Price

$25.00/month

Value-for-Money

4.4

Functionality

4.4

Ease of Use

4.3

Customer Service

4.3

Reviews Sentiment

Based on [219 reviews](#user-reviews)

Positive

198

Neutral

13

Negative

8

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## Send this comparison chart to my inbox

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What’s your intended use case?

## Summary

* * *

Key features rated by users

Features selected based on 23,127 reviews from payment processing software users.  
about the Fit Score methodology.

Fit Score methodology

Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about.

  

If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology

100%Fit

High performer

Feature ratings

Data Security

4.6

Online Payments

4.7

Payment Fraud Prevention

4.5

Debit/Credit Card Processing

4.5

Expense Tracking

3.9

64%Fit

Missing features

Feature ratings

Data Security

NA

Online Payments

4.8

Payment Fraud Prevention

4.8

Debit/Credit Card Processing

4.5

Expense Tracking

NA

User satisfaction

User satisfaction

4.6

User reviews[26,395](https://www.capterra.com/p/207944/PayPal/reviews/)

Ease of use

4.6

Functionality

4.6

Value for money

4.5

Customer support

4.2

User satisfaction

4.5

User reviews[219](https://www.capterra.com/p/221412/authorizenet/reviews/)

Ease of use

4.3

Functionality

4.4

Value for money

4.4

Customer support

4.3

Price starts from

Price starts from

$0.29Other, Not provided by vendor

-   Free version
-   Free trial

Price starts from

$25Usage Based, Per Month

-   Free version
-   Free trial

Best for

Best for

PayPal caters to small business, eCommerce platforms, marketplace, enterprises, or developers and offers payment processing solutions.

Best for

authorize.net connects payments to every part of the business, including shopping carts, accounting, subscriptions, over the phone, in-store and more.

## User reviews

Pros & cons

Melanie M.

Coach

> "The free version gives me plenty of options, including creating a custom PayPal.me link which makes sharing my business with others even easier. Whenever I've needed to reach out to customer support, the..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129143)

Rabindra K.

Network Security Administrator

> "The biggest drawbacks are the fees that add up quickly—especially the 3-4% currency conversion markup on international payments, the 1.75% instant transfer fee, and dispute charges for sellers."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7055751)

EB

Emma B.

Financial Controller

> "We can easily track and audit all transactions and it integrates with our accounting software leading to quick and accurate reconciliation of accounts."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7084769)

NAGESH B.

Sr Transaction Processing Officer

> "PayPal’s automated security systems are notoriously aggressive. If they detect a "spike" in your sales or a "suspicious" login, they can freeze your balance for 21 to 180 days."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7089433)

JE

JoBeth E.

CEO

> "It allows me to send and receive money quickly, manage transactions in one place, and securely pay for goods and services without having to repeatedly enter financial information."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129494)

Lucia C.

Owner

> "Just the identity verification - I use it to split bills with friends and family and it doesn't make sense that my transactions triggered the verification."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7096789)

Yuriy Y.

Owner

> "It provided a secure, widely accepted platform for online payments and cross-border transactions, reducing friction and increasing confidence in everyday financial interactions."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7072314)

BB

Bruno B.

Creative

> "Limited Customization: Business tools, specifically in-app invoice customization and reporting, are described as dated or limited."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116070)

LL

Lois L.

Office Manager

> "Online businesses may vy for my purchases but I always select companies that use Paypal because I've learned to trust them. When a company uses PayPal they are using a company that cares about the purchaser..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7070741)

KR

Kyle R.

Trainer

> "The fee structure can feel a bit steep compared to some bank transfer options. While it’s the price to pay for convenience, watching 2.99% + a fixed fee come off the top of every invoice stings a little on..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100159)

CA

Christopher A.

Commercial Director

> "The convenience in terms of the invoicing processes is incredible, and our sales department can easily create and transmit professional payment requests to our foreign distributors of ceramics."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116491)

KK

Kapil K.

Development Head

> "My many customers complain that if they don't link a bank or card, which is a painstaking process, Paypal limits their account and it is hard to remove those limitations, so Paypal is not a first choice..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6825528)

Abdelrahman A.

Associate Software Developer

> "Whether I am handling payments for custom development projects or managing financial transactions for a retail e-commerce page, PayPal provides a secure and universally trusted platform."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7105211)

NC

Nikki C.

permit technician

> "The main downsides of PayPal are the fees, especially for business transactions, and occasional holds on funds that can slow down cash flow."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7139057)

MK

MO K.

MD

> "PayPal is a solid, professional platform that makes sending and receiving payments very simple. While the fees are a bit high, the security and global acceptance make it worth using for my business..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7136550)

Tony U.

Co-Founder CMO

> "The main downside is that fees can build up over time, and when issues happen, refunds, disputes, or account reviews can sometimes feel slower than expected."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7120000)

RC

Raul C.

Electrician

> "Great experience, I start using it to send or received money on the safetys way, after that paypal include the 4 payments program, that have been so usseful and succesful for me, have save my .. from many..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7075446)

Tracie B.

Executive Director

> "The hold times of donations made through PayPal giving and fees associated with giving and purchases are hard on small businesses and small non-profits."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7099192)

NO

Nelson O.

Systems administrator

> "I can send money to friends, pay bills, split expenses, and shop online with just my email or phone number, and the app makes everything feel quick and straightforward."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116834)

VR

Verified Reviewer

Operations coordinator

> "I have also encountered occasional bugs and issues regarding the Data Management of transaction history, specifically when trying to export large date ranges for tax purposes."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100549)

Aman M.

Business Analyst

> "The things that I generally love most about the paypal payments ared depicted below 1)Easy International Transaction : This platforms helps me by accepting money across borders . And I can recieve money from..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7078703)

VR

Verified Reviewer

Data Encoder

> "Additionally, the tendency to "freeze" accounts or hold funds for 21 days during sudden spikes in activity can be a major hurdle for small businesses."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7124768)

Daniel L.

Sales Startegist

> "My experience with PayPal started since 7 years ago when i was to start working as a freelancer and digital entrepreneur and getting my payments there with integrations of PayPal in platforms such Udemy and..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7110405)

MM

Mark M.

Owner

> "The fee structure of PayPal can be very high if you don't know how to properly use it, or if you need to convert funds from one currency to another, which it often prompts you to do."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7120131)

JS

Jocelyn S.

Veterinary Nurse and Client Care Representative

> "What I would love to see from Paypal in the future is offering an e commerce website building platform, where you can create your own stores to sell items, similar to shopify or squarespace."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7082462)

ET

Eldho T.

battery test tecnication

> "Funds can be held for up to 180 days if a "permanent limitation" is placed, which can be devastating for small business cash flow"

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129999)

Absana P.

Tier III Technician

> "Compared to other first choice payments like Zelle, Square or Venmo I find it to have more options especially with international transactions, however, it does have added fees. Despite this, it's adds an..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7066728)

BG

Blair G.

CEO

> "PayPal has a high fee structure per transaction that can deter a business from using it as part of their payment structure."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7103100)

SF

Sandra F.

Professor of Marketing

> "Features like splitting bills with friends, managing subscriptions, and integrating with multiple payment options simplify daily financial activities"

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7049214)

Amber L.

Owner

> "When PayPal acquired Zettle, a payment system I used for vendor events, it made the hardware I was using obsolete and I had to purchase new card readers."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6871539)

Ilysse R.

Project Manager

> "PayPal is great for invoicing, connecting to WooCommerce and Shopify, and tracking transactions for my business"

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7094166)

VR

Verified Reviewer

Head of HR

> "I stopped using it in Brazil because Pix is a way better alternative, and stopped using it outside of Brazil because everything has to be converted to BRL, with prohibitive fees for currency exchange."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7098220)

KR

Kyle R.

Trainer

> "I love that I don't have to chase clients for payment; the system sends them reminders, and the "Pay Now" button makes it effortless for them to pay via card or their own PayPal balance."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100159)

AS

Adewale S.

Officer

> "Secondly, when creating pool, it's difficult to insert your own image to the pool - it's either too big or too small and the image becomes terrible thereafter."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7071568)

Absana P.

Tier III Technician

> "Furthermore, i love it's ability to automate payments, whenever I was sublease an apartment I could just automate it for the start of the month without having to manual remember and pay."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7066728)

GA

George A.

Owner

> "I did not like the need to pay a processing fee for if your want your funds quicker than the mentioned 3 business days offered when doing a transer."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7051256)

DY

David Y.

Owner

> "The invoicing function is great and transferring funds to a bank account is easy and quick, but if you want to keep the cash earned through sales in your PayPal account, that works too, but the interest rate..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7044021)

VR

Verified Reviewer

Operations coordinator

> "The most significant issue is the Customer Support, which relies too heavily on automated systems that struggle with nuanced problems."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7100549)

AM

Ally M.

Sr Engjneering Manager

> "A lot of people use PayPal so it was an essential part of adding it to our payment experience. When we did have an account person working with us, they were very responsive and generally helped us try to..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7045311)

KF

Kam F.

Developer

> "I sent money to a vendor once. When I tried to track it, they said they had the option of keeping it on hold for up to 6 MONTHS before releasing it. When I asked them just to send it back they wouldn’t do..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7049160)

VR

Verified Reviewer

Sales

> "Expense management, invoicing, customization, customer support and value for money are all here and amongst the best we've used as a business."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7052734)

Yuriy Y.

Owner

> "Fees could add up quickly, and account limitations or holds were sometimes applied with little advance notice, creating uncertainty for users."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7072314)

YL

Yasmine L.

Esthetician

> "I like how large PayPal has expanded, it feels like they were originally a payment processor a way to send funds, now I love how they have payment plan options, large loans, and they are available to use..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7132237)

AC

Aldophe C.

Student

> "Also,the reporting and expense management features are quite basic and may not be sufficient for more advanced business needs."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7086748)

Mai M.

Managing Director

> "The ease of linking your various accounts ands cards allows our clients to make payments without exposing personal financial details with us."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7120918)

Jennifer H.

Manager

> "However, higher fees, occasional account holds, and some integration cleanup with QuickBooks Online can be drawbacks."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7142902)

NS

Natalie S.

Senior immigration Advisor

> "its global payment method and ability to handle borderless payments in multiple currencies, but it has the intuitive interface."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7062346)

CH

Charlie H.

Footballer

> "One of the issues about PayPal is the high transaction fees with poor conversion rates in some currencies."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7087012)

HA

Heatherly A.

Dance Instructor

> "I also like that after I have received payment for services, that I have a Paypal Debit card that I can use and receive rewards for using that gift card."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7095119)

VR

Verified Reviewer

CEO

> "In some cases, account limitations or holds on funds may occur without clear or timely communication, which can be frustrating."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7134942)

EB

Emma B.

Financial Controller

> "I recently used their customer support to help set up bulk payments which worked well for a project we were working on, and offered good value for money, making it a cheaper option than going through a bank."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7084769)

PG

Paulina G.

Owner

> "Account holds, fund freezes or sudden restrictions can happen, which is risky for businesses that rely on smooth cash flow."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7044464)

BP

Bill P.

CEO

> "PayPal offers a straightforward method for receiving funds from donors and vendors, while providing transparent, auditable reports."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7064737)

VR

Verified Reviewer

Sales Manager

> "The conversion rate the provide is worse and they charge fees on top of that also. If 100 pounds = 125 usd , paypal will give only 115 only ."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7069266)

AR

Amos R.

Owner.

> "I've been a PayPal user for years, at the beginning I would just use it to make payments in a safe and secure way, but then as I started my entrepreneurial path I also use it for sending invoices and..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7046604)

VR

Verified Reviewer

Admin

> "Bugs and Issues: Occasional app glitches like delayed notifications or login issues can disrupt the experience."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7126777)

Malisha C.

Property Manager

> "The added buyer and seller protection gives me peace of mind, and I love that I can manage everything in one place without sharing my bank details.there isn't many bugs and issues with the site."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7071546)

VR

Verified Reviewer

Owner

> "Occasionally they have frozen up my account and held my funds without warning demanding more information from me about my business that I've already provided to them."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7082755)

BY

Brian Y.

Visa Consulting Specialist

> "Has proved to be a reliable method of receiving consultation fee and service payments that have allowed me to conduct transactions without complicating my visa consulting practice."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7067437)

MI

Mena I.

Assistant Manager

> "It is limited to few countries which often restrict me from making use of this software sometimes when am not in a country that supports paypal which has limited me from making payment at times."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6833800)

VR

Verified Reviewer

administrator

> "Transactions are fast, the interface is intuitive, and the added buyer and seller protections give real peace of mind. Whether for personal use or business, PayPal has been a dependable tool that consistently..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7052122)

AA

Anis A.

Software developer

> "PayPal provides a useful pay in 4 options but has no actual customer service for solutions regarding the program."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7116929)

SM

Sanaa M.

Instructor

> "PayPal is a secure payment platform that provides ample customer support, expense management, and financing plans."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7051187)

PS

Peter S.

Backend Developer

> "My account has once be hold for like 21days, I dislike how they freeze account and also the high transaction fees"

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7117323)

JS

Jocelyn S.

Veterinary Nurse and Client Care Representative

> "However I have now branched out and use it for my own hobby art sales too; still for the security but from a seller's perspective too! If I have ever had a problem that can't be resolved with a buyer or..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7082462)

JE

JoBeth E.

CEO

> "Additionally, when issues arise, such as holds or disputes, the resolution process can sometimes feel slow or lack clear communication"

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129494)

NAGESH B.

Sr Transaction Processing Officer

> "The most loved feature is that you never have to share your credit card or bank details with a merchant. When you check out, you only log into PayPal."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7089433)

VR

Verified Reviewer

Real Estate Law Clerk

> "Customer service was slow when I once had a payment sent to the wrong account; it took a long time to receive a response, even though the issue was eventually resolved."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7057958)

ET

Eldho T.

battery test tecnication

> "The materials used and how well the item holds up over time. How effectively the product fulfills its intended purpose compared to its advertising. How intuitive and aesthetically pleasing the product is for..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129999)

RS

Radha S.

Legal Assistant

> "Reviews or holds on funds can happen with limited explanation, and resolving issues through customer support can be slow."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7121765)

Alexis L.

Owner

> "I enjoy the ability to invoice from the app effectively and for my customers to get it and submit payment immediately."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7139239)

JE

JoBeth E.

CEO

> "Transaction fees, especially for instant transfers or business-related payments, can add up."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7129494)

VR

Verified Reviewer

Ecommerce Managaer

> "Gave us a low cost option to take payments over the phone and also is a secondary payment processor we use for our website. "

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7091349)

James H.

Senior Project Coordinator

> "They initiate account restrictions after receiving large amount of payments which can take more than 180 days before they resolve."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7055790)

ClJ

Céline J.

Social Media Manager

> "The integration of Paypal with our website was easy and fast, it allowed us to make our different transaction and line with our partners in full freedom and full security."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6870906)

Harisathwik V.

Video Editor

> "No matter the size of the funds received PayPal charges fixed fee per payment which affects small vendors a lot."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7079999)

RS

Radha S.

Legal Assistant

> "I appreciate how easy it is to send and receive money, link multiple payment methods, and keep clear records of past transactions, which is especially helpful for online purchases and occasional transfers."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7121765)

AM

Annie M.

physician Assistant

> "Some sites don't support it which can be frustrating because I use it often for transactions and find it annoying when it isn't an option"

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___7054113)

FC

Fujimory C.

Founder

> "PayPal offers seamless transactions and it is a safe platform to do transactions with. If you are sending or receiving money you should feel safe with PayPal because they make sure you transactions are..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6881380)

MO

Mihaela O.

Affiliate program manager

> "all the details I could think of to show that I've been receiving money regularly for services already rendered from the same person/company for 10 years with 0 chargebacks or disputes, and even my boss..."

[See full review](https://www.capterra.com/p/207944/PayPal/#Capterra___6326921)

[View Reviews](https://www.capterra.com/p/207944/PayPal/reviews/)

AP

ALISSA P.

OWNER

> "Overall, Authorize.net has been a dependable and secure payment solution. Once everything is set up, it runs..."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___7142717)

JP

John P.

Transport Broker

> "The user interface is so outdated, and it is impossible to navigate through the backend settings with the required..."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___7079657)

RP

Ryan P.

Graphic Designer

> "Overall, it's a solid platform for processing payments, with a little bit of pricing complexity, and not always..."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___7139787)

VR

Verified Reviewer

Owner

> "We did incur a monthly gateway fee plus multiple other fees monthly - we were pci compliment but yet still got..."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___7056875)

AP

ALISSA P.

OWNER

> "It processes payments consistently without major issues, and the fraud protection tools provide peace of mind."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___7142717)

KD

Kristi D.

Nurse Practitioner, Owner

> "I struggle often to find certain transactions and data. If I need to issue a refund or if I want to see a report..."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6822997)

DS

Dru S.

Property Success Parntner

> "Overall the experience is the system is not only cost effective but has greatly helped with money transfers and..."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___7053006)

SS

Shannon S.

E-Commerce Marketing Manager

> "Some feature do not work properly due to high security of information even when set up properly.(Stored Credit..."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6406734)

JC

Jason C.

Operations Manager

> "Authorize.net gives us strong security for global transactions, plus simple account management and clear fees."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___7041645)

CTB

Connor T. B.

Financial Operations Manager

> "It can be a little time consuming to make custom financial summaries sometimes."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6828475)

JC

Jason C.

Operations Manager

> "The transferring of money to clients and partners is highly reliable; it assists in avoiding fraud issues."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___7041645)

JP

John P.

Transport Broker

> "This is a nightmare industry to get a chargeback on a coast-to-coast transport job."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___7079657)

JS

Jacqueline S.

Self employed

> "One of my favorite aspects of the site is that there are always clickable tabs available."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___7006962)

Katrina H.

Logistics Manager

> "I think having to pay a monthly gateway fee is a con but not enough of a con to keep me from using this service."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6830936)

AR

Alec R.

Owner

> "I use Authorize.net because it is the only solution available to a specific program I need to collect payments..."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6777296)

DS

David S.

President

> "I have not "upgraded" to the new user interface and don't plan to if I don't have to."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___7076982)

FF

Fernando F.

CEO - IT Consultant

> "I have been through three Merchant Services bank providers throughout the years and I have kept Authorize Net as a..."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6448183)

HT

Hilary T.

Head of Growth

> "Their merchant UI is very outdated."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___7060761)

CT

Carleton T.

Website Admin

> "It's basically a 100% trust symbol, and I know it's going to work every time, while protecting my transactions."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6590651)

RP

Ryan P.

Graphic Designer

> "Also, it isn't beginner-friendly compared to modern tools."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___7139787)

LB

Lanika B.

Owner

> "The website is well designed out and finding needed services is quick."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6825041)

CT

Carleton T.

Website Admin

> "I guess I don't like when I need a secret key AND a security token and a few other things, since it just seems..."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6590651)

FF

Fernando F.

CEO - IT Consultant

> "Excellent platform for credit card and ACH online payment processing"

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6448183)

Babatunde O.

SEO Marketer

> "It was not easy at first to get through to paysafe as a business operating in Europe we had to go through a..."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6780565)

AR

Alec R.

Owner

> "It is the most widely accepted payment processor by merchant service providers and billing systems"

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6777296)

AS

Amy S.

Intake Specialist

> "Very rarely has there been an issue that was not resolved easily."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___7126985)

DS

David S.

President

> "Customer service is quick and knowledgeable."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___7076982)

KD

Kristi D.

Nurse Practitioner, Owner

> "I feel the dashboard is pretty complicated."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6822997)

VC

Vanessa C.

BILLING AND INSURANCE SPECIALIST

> "OVERALL IT IS A GREAT WAY OF SETTING UP PAYMENT ARRANGEMENTS WITHOUT CONSTANT REMINDERS."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6484155)

BM

Brandon M.

CEO

> "Their customer service is slow to respond at times."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6766669)

DM

Dana M.

Fulfillment Manager

> "It is easier to use than our home grown software for the end user for sure."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___7037396)

AP

Adam P.

Manager

> "We have issues with charge backs with authorize.net"

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6479261)

JS

Jacqueline S.

Self employed

> "I appreciate how user-friendly their merchant interface is."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___7006962)

TS

Thomas S.

IT Director

> "Difficult to test sometimes and documentation does not seem to always be easy to understand."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6775666)

Priyansh K.

Manager

> "It also allowed us to customize the look and feel of our payment forms, making it easy to create a seamless,..."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___4359898)

SA

Smriti A.

Treasurer

> "It was very expensive even for very limited transactions that we use this application."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6230745)

AS

Adeel S.

Software Developer

> "The management portal is pretty intuitive."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6597100)

TF

Tammy F.

FOH Manager

> "It was confusing once we were switching over companies."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6251030)

Kavindu Githsara K.

System Specialist

> "Net supports a variety of payment types, including credit cards, debit cards, and electronic checks, and it can be..."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___4413738)

Priyansh K.

Manager

> "Net is the customer support. While the company does offer 24/7 support, I have found that the quality of support..."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___4359898)

Priyansh K.

Manager

> "It also allows us to accept a wide range of payment options, including credit cards, debit cards, and electronic..."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___4359898)

NJ

Neil J.

Treasurer

> "The interface appears a little old fashioned"

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___4349402)

LB

Lanika B.

Owner

> "Website is user friendly."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6825041)

TW

Tiffany W.

Administration

> "This has caused some issues with customers and would love to be able to do it on the spot."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___4175844)

CTB

Connor T. B.

Financial Operations Manager

> "The thing I love about it is how easy Authorize."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6828475)

Josh B.

Managing Member

> "If you are doing anything beyond setting up Authorize.net with them directly and having them manage your processor,..."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___3210296)

VR

Verified Reviewer

Content strategist

> "When I use the Authorize.net platform for payment processing, I save time."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___4983626)

JD

Judith D.

Advancement Associate

> "The cost was getting to be a little prohibitive."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___3834449)

MT

Micheal T.

Marketing Director

> "authorize.net helps us automate our billing."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6235051)

MD

Margaret D.

controller

> "The challenge I always have with this software is that it is impossible to reconcile deposits to charges. "

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___2944121)

AP

Adam P.

Manager

> "Authorize.net is easy to use and understand."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6479261)

CB

Cheri B.

Program Coordinator/Executive Secretary

> "The initial set up was a little confusing, asking for a credit card which I never gave because the charges for this..."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___3426380)

LC

Latisha C.

Coach

> "It was easy to use to set up to use."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___6703731)

JK

Joe K.

Marketer

> "Had one day where the servers went down and were unable to take payment for a couple hours."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___3027843)

Nipon D.

Executive Director

> "You might not hear a lot about them these days but actually they are the biggest network of merchant account..."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___3844582)

JF

Jordan F.

Owner

> "It only works half the time and I have to constantly re-pair the card reader."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___2937521)

MO

Mia O.

Business Manager

> "It summarizes each transaction in a trackable way and helps me transfer them over to Quickbooks."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___3657314)

EJ

Elyse J.

Manager of Data Integration

> "Outages were plentiful as were timeouts and errors."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___3216368)

VR

Verified Reviewer

Content strategist

> "Personally, I appreciate the ease with which you can manage payments on the platform, it's very simple."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___4983626)

KR

Katie R.

Office Manager

> "They hold your money, decide to shut down your account for absolutely no reason and then decide to hold your money..."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___2582265)

VR

Verified Reviewer

Content strategist

> "In addition, I like the anti-fraud system."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___4983626)

EJ

Elyse J.

Manager of Data Integration

> "Impossible to look at your account holistically."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___3216368)

RQ

Rizwan Q.

Admin

> "Authorize.net is very trusted and reliable payment gateway which also provided payment processing solutions."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___4480466)

SC

Sharon C.

CEO

> "Can be difficult to navigate, especially on mobile."

[See full review](https://www.capterra.com/p/221412/authorizenet/#Capterra___2590059)

[View Reviews](https://www.capterra.com/p/221412/authorizenet/reviews/)

## User interface

[PayPal](https://www.capterra.com/p/207944/PayPal/)

4.65 (26,395)

[authorize.net](https://www.capterra.com/p/221412/authorizenet/)

4.46 (219)

## Connect with a Capterra advisor for a free 15-minute consultation

Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs.

### Features

Do these products fit your needs?

Prioritize real-user-identified key features according to your needs to find your best fit.

\--% Fit

vs

\--% Fit

ACH Payment Processing

207

Important

Activity Dashboard

150

Important

AI Copilot

120

Important

PayPal

Top features

28/37

-   ACH Payment Processing
-   Activity Dashboard
-   AI Copilot
-   Alerts/Notifications
-   API
-   Billing & Invoicing
-   Cryptocurrency Processing
-   Customizable Branding
-   Data Import/Export
-   Data Security
-   Debit/Credit Card Processing
-   Digital Wallet Payments
-   eCommerce Integration
-   Electronic Signature
-   Expense Tracking
-   Generative AI
-   In-Person Payments
-   Loyalty Program
-   Mobile Payments
-   Multi-Currency
-   Multiple Payment Options
-   Online Payments
-   Partial Payments
-   Payment Fraud Prevention
-   Payment Gateway Integration
-   Payment Links
-   Payment Reconciliation
-   PCI Compliance
-   Point of Sale (POS) Integration
-   Real-Time Data
-   Receipt Management
-   Recurring/Subscription Billing
-   Reporting/Analytics
-   Search/Filter
-   Self Service Portal
-   Status Tracking
-   Transaction Monitoring

[See all features](https://www.capterra.com/p/207944/PayPal/#features)

authorize.net

24/37

-   ACH Payment Processing
-   Activity Dashboard
-   AI Copilot
-   Alerts/Notifications
-   API
-   Billing & Invoicing
-   Cryptocurrency Processing
-   Customizable Branding
-   Data Import/Export
-   Data Security
-   Debit/Credit Card Processing
-   Digital Wallet Payments
-   eCommerce Integration
-   Electronic Signature
-   Expense Tracking
-   Generative AI
-   In-Person Payments
-   Loyalty Program
-   Mobile Payments
-   Multi-Currency
-   Multiple Payment Options
-   Online Payments
-   Partial Payments
-   Payment Fraud Prevention
-   Payment Gateway Integration
-   Payment Links
-   Payment Reconciliation
-   PCI Compliance
-   Point of Sale (POS) Integration
-   Real-Time Data
-   Receipt Management
-   Recurring/Subscription Billing
-   Reporting/Analytics
-   Search/Filter
-   Self Service Portal
-   Status Tracking
-   Transaction Monitoring

[See all features](https://www.capterra.com/p/221412/authorizenet/#features)

### Recognition

PayPal is recognized as a top-rated tool in 4 Capterra Shortlist reports

No recognitions have been awarded to authorize.net

### Deployment & support

PayPal

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

authorize.net

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

### Company Details

PayPal

-   By PayPal
-   Located in United States
-   Founded in 1998

authorize.net

-   By Visa
-   Located in United States
-   Founded in

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4.3

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[authorize.net](https://www.capterra.com/p/221412/authorizenet/)[4.46 (219)](https://www.capterra.com/p/221412/authorizenet/reviews/)

vs

[Clover](https://www.capterra.com/p/226864/Clover/)[3.77 (570)](https://www.capterra.com/p/226864/Clover/reviews/)

$25/month

Price

Contact vendor for pricing

4.4

Features

3.8

4.3

Ease of Use

4.0

[View full comparison](https://www.capterra.com/compare/221412-226864/authorizenet-vs-Clover)