--- title: "authorize.net Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is authorize.net the right Accounts Receivable solution for you? Explore 220 verified user reviews from people in industries like yours to make a confident choice." source_url: "https://www.capterra.com/p/221412/authorizenet/reviews/" page_type: "reviews" language: "en" publication_date: "2026-10-21" --- authorize.net 4.5 (220) [View alternatives](https://www.capterra.com/p/221412/authorizenet/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated October 21st, 2026 # Reviews of authorize.net Ease of use 4.3 Customer Service 4.3 ## Pros and Cons in Reviews AP ALISSA P OWNERRetail, 2 - 10 employeesUsed the software for: Less than 6 months. “Overall, Authorize.net has been a dependable and secure payment solution. Once everything is set up, it runs smoothly and handles transactions efficiently. While it could benefit from a more modern interface and improved usability, it remains a strong choice for businesses that need reliable payment processing.“ May 1, 2026 JP John P Transport BrokerTransportation/Trucking/Railroad, 11 - 50 employeesUsed the software for: More than 2 years. “The user interface is so outdated, and it is impossible to navigate through the backend settings with the required number of clicks.“ January 15, 2026 RP Ryan P Graphic DesignerDesign, Self-employedUsed the software for: I used a free trial. “Overall, it's a solid platform for processing payments, with a little bit of pricing complexity, and not always transparent.“ April 27, 2026 Theresa I OwnerHealth, Wellness and Fitness, 2 - 10 employeesUsed the software for: 1-2 years. “We did incur a monthly gateway fee plus multiple other fees monthly - we were pci compliment but yet still got charged on the statement“ December 5, 2025 AP ALISSA P OWNERRetail, 2 - 10 employeesUsed the software for: Less than 6 months. “It processes payments consistently without major issues, and the fraud protection tools provide peace of mind.“ May 1, 2026 KD Kristi D Nurse Practitioner, OwnerMedical Practice, Self-employedUsed the software for: Less than 6 months. “I struggle often to find certain transactions and data. If I need to issue a refund or if I want to see a report for the month I feel there are a lot of steps just to do this,.“ May 30, 2025 JC Jason C Operations ManagerImport and Export, 201 - 500 employeesUsed the software for: More than 2 years. “Authorize.net gives us strong security for global transactions, plus simple account management and clear fees.“ November 8, 2025 RP Ryan P Graphic DesignerDesign, Self-employedUsed the software for: I used a free trial. “Also, it isn't beginner-friendly compared to modern tools.“ April 27, 2026 ## Showing most helpful reviews Showing 1-25 of 220 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Nipon D. Executive Director Information Technology and Services Used the software for: 2+ years ### "They are still providing the best card processing services for websites & online shops!" September 20, 2022 5.0 Great! I call them the universal card processor for almost every sort of business Pros You might not hear a lot about them these days but actually they are the biggest network of merchant account provider processing card payments for almost every type of businesses since the beginning of e-commerce. They offer plan for high risk business sectors too and process cards in a lot of currencies. Plug-ins available for almost every platform out there and clear payments to bank daily. Cons I found there interface little tricky and needed expert’s help to integrate with my e-commerce site. Alternatives considered [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[PayPal Commerce Platform](https://www.capterra.com/p/179252/PayPal-Checkout/)[Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing authorize.net Open to high risk business sectors Switched from [Stripe](https://www.capterra.com/p/123889/Stripe/) Stripe denied to support my business due to high chargeback rate Review Source JC Jason C. Operations Manager Import and Export Used the software for: 2+ years ### "Secure online payments and transfers for export operations." November 8, 2025 5.0 With this, our team is able to process safe payments and manage accounts with fewer errors, bringing more speed and confidence to our export operations. Pros Authorize.net gives us strong security for global transactions, plus simple account management and clear fees. The transferring of money to clients and partners is highly reliable; it assists in avoiding fraud issues. Cons Account settings and updating staff permissions took some getting used to when dealing with a bigger team. Managing fees and multiple accounts is confusing at first. Review Source LS Leslie S. Co-Owner Marketing and Advertising Used the software for: 1-2 years ### "Middle of the road" March 23, 2026 3.0 Pros Value for the money, security and account management is fairly straightforward. Their system is flexible for integration. Cons The interface is outdated in many respects. They need a modernization. It hasn't changed in quite some time. Review Source HT Hilary T. Head of Growth Marketing and Advertising Used the software for: 2+ years ### "Good Stripe alternative for Woocommerce " December 11, 2025 4.0 Good! With the good rates, and integration by SkyVerge for WooCommerce I can definitely recommend authorize.net Pros API access is great and there are paid plugins that make integrating with WooCommerce very easy. The also have low fees Cons Their merchant UI is very outdated. It’s hard to find things and it’s small and hard to read sometimes. Looks like it was built in the 90s and never updated. Review Source DS Dru S. Property Success Parntner Management Consulting Used the software for: 6-12 months ### "Property Management and Authorize " November 29, 2025 5.0 Overall the experience is the system is not only cost effective but has greatly helped with money transfers and being able to account for them. Pros Very streamlined service for payment confirmation and authorization. Highly recommended for property management to ensure all payment details are securely kept in a centralized location. Cons The interface can be a bit outdated at times and requested system updates are not as quick as we would like. Can be a bit of a learning curve in the beginning due to the interface. Review Source Josh B. Managing Member E-Learning Used the software for: 1-2 years ### "Slow Payments, Convoluted Explanations for Account Use" November 19, 2021 3.0 Overall, Authorize.net has some benefits like customer trust and fraud prevention and if you are good at code, it might be great for you. Otherwise it seems a little outdated and complicated to set up and use beyond their automated features. Pros I do like that Authorize.net is pretty widespread in its use, and that I feel I can implement it in a variety of mediums including SuiteDash CRM and Payments, my website, etc. It is rather versatile in that sense and allows for customization or more simplicity if needed. Cons If you are doing anything beyond setting up Authorize.net with them directly and having them manage your processor, it is really difficult to figure out what to do and what you need. Customer service is great, but I prefer to just get things done on my own without multiple phone calls to set things up. Payments come slowly and it just overall feels really outdated for me. Alternatives considered [Venmo](https://www.capterra.com/p/222572/Venmo-/) Reason for choosing authorize.net I actually use both now, and generally prefer Venmo, but it depends on the circumstance and platform I am using. Switched from [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) Square continued freezing my account for no reason and it was incredibly frustrating. Review Source Keith W. V.P. of Consulting Services Telecommunications Used the software for: 1-2 years ### "Payment Gateway But Not Exactly a Payment Processor " November 29, 2021 3.0 Although I liked the flexibility of a separate CC processor and gateway with Authorize.Net, I ultimately switched to a different provider that could provide full service payment processing and gateway services all together. I may be paying slightly higher processing fees, it is just easier to have it all together in one place. Pros At one time Authorize.Net was only one of a handful of payment gateways for small business. They do that well and have a feature-rich customer portal. They are also widely supported by the various eCommerce platforms. Cons Be aware that Authorize.Net is not a CC card processor but a payment gateway that can be paired with a CC processor. There are a many one-stop alternatives available today. You might be able to get a better discount rate with a CC processor/Authorize.Net combo, but it is certainly more hassle. Alternatives considered [PayPal Enterprise Payments](https://www.capterra.com/p/213069/Braintree/) Reason for choosing authorize.net I ultimately switched to Braintree for CC processing, PayPal processing, and payment gateway all in one place. Review Source DM Dana M. Fulfillment Manager Publishing Used the software for: 2+ years ### "Authorize is a handy tool" October 31, 2025 3.0 It's been fine, it does what it sets out to do but I don't consider it to be ground breaking. It does seem to have security figured out which is a nice plus. Pros Authorize helps us securely capture payment from customers on our eCommerce customer facing site that is a partnership with our fulfillment business. It is easier to use than our home grown software for the end user for sure. Cons We need separate accounts for US and Canadian payments. This means that we have to log in and out depending on the ship destination. It's also not the most user friendly on the back end. Review Source CTB Connor T. B. Financial Operations Manager Electrical/Electronic Manufacturing Used the software for: 2+ years ### "Enabled us to create slick and professional invoices." June 6, 2025 4.0 It eased up our credit card processing, time for transaction and manual mistakes became less. We now do our monthly books in less time and with better results. Pros The thing I love about it is how easy Authorize. net checks in with our invoicing software. It is dependable for customer payments, especially recurring billing for long-term B2B customers. The fraud detection tools also provide peace of mind. Cons The interface feels a little dated, and reporting tools could be more user-friendly. It can be a little time consuming to make custom financial summaries sometimes. Review Source RP Ryan P. Graphic Designer Design Used the software for: I used a free trial ### "Decent payment process option" April 27, 2026 5.0 Overall, it's a solid platform for processing payments, with a little bit of pricing complexity, and not always transparent. Pros I like that it is backed by Visa, so there is some reliability factor with name recognition. It works consistently for payment processing. Cons My least favorite things are that the dashboard feels clunky and not intuitive. Also, it isn't beginner-friendly compared to modern tools. Review Source NE Nicole E. Profesional Cleaner and Organizer Hospitality Used the software for: 2+ years ### "Choose Authorize.net if your looking for the best out! " May 15, 2025 5.0 I am so glad I found Authorize.net not only was it the most cost effective but customer service is Quick with clear problem solving solutions. Pros Authorize.Net has a homepage where I can easily view all my transactions along with a breakdown of each one. Cons I have no dislikes with authorize.net I’ve been using them going on 5years and I have made many calls to them with questions, comments and concerns. Review Source JS Jacqueline S. Self employed Retail Used the software for: 2+ years ### "Overall user friendly " September 12, 2025 4.0 Pros I have found Authorize.net to provide satisfactory service. I appreciate how user-friendly their merchant interface is. One of my favorite aspects of the site is that there are always clickable tabs available. Cons I really have no complaints with them, it sometimes lags though when trying to process payments. So it’s my only complaint Review Source BM Brandon M. CEO Accounting Used the software for: 6-12 months ### "Great for Small Business" April 4, 2025 4.0 Overall good experience , their portal is easy to navigate and if I had an issue, it was resolved within 2 days Pros Authorize.net is great for credit card processing and customer profile management Cons Their customer service is slow to respond at times. Review Source CT Carleton T. Website Admin Retail Used the software for: 1-2 years ### "Works Great 100% Of The Time" November 23, 2024 5.0 I use Authorize.net to handle my e-commerce transaction payments . It works great. Pros It's basically a 100% trust symbol, and I know it's going to work every time, while protecting my transactions. Cons 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 excessive. Review Source SKK Santhosh Kumar K. Executive Staffing and Recruiting Used the software for: 6-12 months ### "Authorize.net is controling of financial transactions " August 15, 2023 4.0 as an accountant Iam a user of Authorized.net for the controlling and identify the error while doing the payments Pros In Authorize.net I like mostly it is useful for merchants and vendors for controlling the payments of their customers. It is very secured software and we can control fraudulent transactions. Cons Authorized.net need to implementation on cutomer id with recrring card details removing if it is impelmented it will helpfull to many vendors like us so we can easily identify the error while doing the transactions Review Source Jay M. Founder Marketing and Advertising Used the software for: Less than 6 months ### "Holds Funds like PayPal Does - Avoid. " December 3, 2019 2.0 I'm not saying that Authorize.net does not work for everybody. But the digital marketer is in particular I would steer clear because it has the same issues that PayPal exhibits were sometimes a hold your funds for no reason and you have to fight to get them. Youre flagged as high risk I was a customer with Authorize.net for about three months and I was approved for ACH bank transfers by their credit team. I put two of them through and all of a sudden my bank transfer account was shut down and they didn't tell me why other than my account was deemed high-risk by their bank and no matter what I did it would never be reopened ever. To my knowledge the only thing that makes it high-risk is that I charged about $5k in two days - Which I told the underwriter team was my norm before I signed up. They knew how much money I would be processing each month. They also told me that my business model wasn't elibigile for bank transfers. My clients couldn't even ask for a refund. All they could do was dispute the charges that were on hold and if they did that it would hurt my account and my credit. To this day they still have about $4400 of my money that I will not get until the end of January if my account is in good standing. Well I shut down the account and moved over to QuickBooks so hopefully I get paid. Again I'm doing recurring bank transfers with my client so this might not be the case for everybody and this might be great for credit card transactions. Pros It was very easy to set up recurring payments and sync with my webmaster. Cons \- The UI is extremely outdated and looks like it's from the early 2000s. - Your invoices are not customizable and they look tacky - Navigating around the menu is not user-friendly as finding where you're trying to go and can be difficult - Customer support is not the greatest and sometimes I can't help you with your problems or get back to you in a timely matter Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing authorize.net I moved to QuickBooks. Review Source FG Francesca G. ICT Director Information Technology and Services Used the software for: 1-2 years ### "The Unshouting but Effective Payment Platform" May 6, 2024 5.0 It has been an awesome experience more so due to its accurate fraud prevention feature that never fails at detecting any fraudulent activity coupled with the electronic payments which are quite fast. Besides, it integrated very easily with our company system. Pros It is very easy to implement and has a perfect reporting interface Cons The only issue it the pricing which may not favor every user Review Source VK Valerie K. Owner Hospitality Used the software for: 2+ years ### "less expensive versions" December 7, 2023 5.0 it is okay, but possibly will be looking for less expensive options that might be mobile Pros very nice staff, always helpful when I need it. Cons small businesses need less expensive options, I do not have a credit card option to scan out in the common room, just my computer. The hand held unit that I was given years ago, never worked and \[sensitive content hidden\] never tried another option. Review Source Keyana K. Internal Operations Assistant Internet Used the software for: 2+ years ### "Gets the job done with hardly any issues ever." April 25, 2018 5.0 Pros Authorize.net is our payment gateway, as we are a company that runs several credit card transactions daily. The fees are minimal, the customer service has always been great (even if, at times, the reasons I had to call we're not so great), and the website is about the simplest one I've ever used, considering all of the information it processes. We don't use any POS devices, just the website, but that's still MORE than enough for us. Cons I wish it was easier to edit ARB subscriptions; for example, if I want to simply change the date that a customer's auto-charge runs, I have to actually delete the whole thing, and create a new one to reflect the date change. That's pretty annoying, but for a website that hasn't really changed much in the 12 years since I first began using it, I can only expect so much at this point. Review Source FS Falak S. Network Administrator Internet Used the software for: 1-2 years ### "Very Convenient payment processing for customers and merchants" March 25, 2024 5.0 Pros Payment processing is very streamlined as it is very easy for customers and merchants to manage payments and it sync very well with different accounting softwares Cons The Payment processing time is very long I think. It takes some time to post the payment, but this sometimes depends on banks as well. Review Source TF Tanveer F. Human Resource Manager Education Management Used the software for: 1-2 years ### "authorize.net Works Efficiently Because It Is Reliable" April 25, 2024 5.0 Pros For Efficient Payment Processing, authorize.net Is Highly Effective and Accurate to Use. It has a great customer support team. Cons I like the efficiency of authorize.net. authorize.net has been brilliant. Review Source MT Micheal T. Marketing Director Hospital & Health Care Used the software for: 1-2 years ### "authorize.net: An Easy to Deploy Billing Software" April 1, 2024 5.0 Pros The capabilities of authorize.net are excellent. authorize.net helps us automate our billing. authorize.net is the best. Cons No dislikes for authorize.net. authorize.net is the best. Review Source VR Verified Reviewer Developer Graphic Design Used the software for: 2+ years ### "If I could give support more stars..." December 15, 2019 5.0 When working with Shopify and other e-commerce solutions, I've had to get a processing gateway up and running for several clients. On occasion I've worked with businesses considered "high risk", so many processors wouldn't touch them. Authorize.Net not only enabled these risk companies to build an online presence, but the customer support team have gone above and beyond on several occasions to ensure all of my clients needs have been met. Pros Generally setup is straight forward and uneventful for e-commerce situations, fees are within average ranges. Best pro is their flexibility in working with businesses that other payment processors won't touch. Near one-click integration with some platforms. Very few issues over the years, clients have been very content and never have had issues getting in touch with their reps. Cons Setup and dashboard can be situationally daunting, but once you get up and running it's generally smooth sailing. Tools/reports interface could be cleaner and better organized. Review Source CA Corinne A. Development Manager Non-Profit Organization Management Used the software for: 2+ years ### "Adequate Payment Gateway" July 29, 2021 5.0 Overall, I think there is a reason nearly every organization I've worked with uses this payment gateway. It works well and is fairly intuitive. Pros I've used Authorize.net as a payment gateway at multiple organizations. It is fairly easy to use and intuitive when it comes to basic functions like payment processing, refunds, looking up transactions. They have a live chat customer support feature which is really handy. Cons The security features can be very confusing and the resources they have for explaining them are adequate but could be a little more clear. Sometimes the instructions on their FAQs dont seem to match what I actually see on my screen, so I've had to reach out to customer support for pretty basic stuff. Luckily their customer service is pretty good. Review Source LR Lori R. ProJet manager Non-Profit Organization Management Used the software for: 2+ years ### "Great Platform" June 6, 2024 5.0 Pros It is straightforward to navigate through and look up all the payments made. It is also effortless to refund or cancel a payment. Cons I have not found anything I do not like. 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