Authorize.Net is an online payment service that offers comprehensive security measures for users and businesses of all sizes, ensuring maximum protection of sensitive data and reliable uptime when handling transactions. It goes above and beyond with its range of features, like recurring billing solutions to suit the needs of merchants offering subscription services, mobile compatibility, and integration options with popular e-commerce platforms. All these features work together to provide a seamless payment processing experience.
Payment Processor Comparison
When selecting the best payment processor for your business, Stripe, PayPal, and Authorize.net are all top contenders. Here's a comparison:
Stripe: A popular choice for online businesses and startups, Stripe offers a developer-friendly platform, custom integrations, and transparent pricing.
PayPal: PayPal is a well-established payment processor with a global presence and a wide range of features, including a secure payment gateway, invoicing, and recurring payments.
Authorize.net: Authorize.net is a trusted payment processor with a long history of providing reliable and secure payment processing services. It offers comprehensive features, including fraud detection and mobile compatibility.
Ultimately, the best choice depends on the specific needs of your business, such as the types of payments you need to accept, your target market, and your budget. It's recommended to compare each processor's features, fees, and support options before deciding.
📌 Please Note: The data for fees is accurate as of when this article is being published, for more information please check out the Pricing pages of the three options listed:
Stripe
Paypal
Authorize.net
Requirements to use Authorize.Net
Authorize.net is a payment gateway solution that can be used to process transactions from U.S., Australian, and Canadian merchants. In addition, multiple currencies are supported through this service, making it an excellent option for international merchants as well. To confirm that Authorize.net will work for your business, make sure you visit their website to read up on what browsers support their services before you proceed to incorporate the platform into your business operations.
You can check and verify the browser and version you are using by using the below help/about information when inside the respective browser:
Chrome
Edge
Firefox
Safari
For the Merchant Interface inside Authorize.net, if an unsupported browser or version is detected, two possible messages may display depending on the browser version is low.
How to integrate Authorize.net as a Payment Gateway
Once you are sure you are using a supported browser and that you are operating from within one of the supported countries, you will need to acquire Live and Sandbox API keys from Authorize.net For sandbox API keys, log into the sandbox Merchant Interface. For Live API keys, log into the Live Merchant Interface. Click Here for more details on Sandbox vs. Live Mode in Authorize.Net.
Then you can proceed to Payments in Integrations, and drop the 3 API Keys you got from your Merchant Interface in Authorize.Net. You can input the Live API Keys in the Live fields.
Sandbox
You can also input the Sandbox API Keys in the Sandbox Fields.
Save Button
Once you input the desired API Keys, click on the Save Button.
Default Payment Gateway
It will show you a quick prompt asking whether you want to make Authorize.Net your Default Payment Gateway. Clicking on Cancel will still integrate Authorize.Net, but it will not make it the Default Gateway. Clicking on Confirm will integrate Authorize.net and make it the Default Payment Gateway.
📌 Please Note: You are not required to disconnect Stripe to connect to Authorize.net. You can connect to both gateways on the integrations page. However, since you have connected two different gateways for processing payments, you will need to define a default gateway for processing payments. PayPal will continue to function alongside Authorize.net/Stripe in order forms, whichever is set as the default.
Side Notes for using Authorize.Net
If Authorize.net is connected and set as the default gateway, other product areas like memberships and SAAS payment links will continue to process payments using Stripe.
If there are recurring subscriptions/pending transactions with Stripe, they will continue to run as is until the Stripe connection is in place. We encourage you to not disconnect any gateway. Defining the default gateway will run new transactions through the desired choice and keep the existing subscriptions running through Stripe and PayPal integrations in place.
📌 Please Note: You need to make use of this feature.
Test cards for Authorize.net integration.
Expiry Date can be any future date, and any 3/4 digits value can be the CVC:
4007000000027 (Visa)
4012888818888 (Visa)
4111111111111111 (Visa)
370000000000002 (American Express)
5424000000000015 (Mastercard)
2223000010309703 (Mastercard)
2223000010309711 (Mastercard)
6011000000000012 (Discover)
3088000000000017 (JCB)
38000000000006 (Diners Club/ Carte Blanche)
All fresh offers will be labeled as Version 2.
The creation of new Version 1 offers will be discontinued.
NMI (Network Merchants Inc.)
Setting up the NMI integration
NMI (Network Merchants Inc.) is a well-known payment gateway service provider that offers a variety of solutions for businesses to process online transactions securely and efficiently. NMI's payment gateway allows merchants to accept credit card and eCheck payments from their customers through multiple channels, including websites, mobile apps, and in-person point-of-sale systems.
How can I enable payments via NMI?
NMI integration is currently supported for order forms, invoices, and Text2Pay link payments. These steps can enable the integration:
Enable NMI in Labs
Head to Settings in your sub-account, then click on the Labs tab> Enable the toggle to access NMI in Beta Labs:
Enter the required Gateway ID, and API keys with NMI
Three keys are required to be entered to connect to NMI:
Gateway ID
Security key
Public key
Please follow these instructions to obtain the keys if you do not already have them.
Once you have acquired the keys, please head to Payments> Integrations in your subaccount.
Then fill out the respective fields with their keys and hit Save.
📌 Please upgrade to Funnels version 2 to make use of this feature.
NMI Payment Offers
Some of the features offered by the NMI payment gateway include the following:
Support for multiple currencies and payment methods: NMI supports various currencies and payment methods, allowing businesses to cater to a global audience.
Tokenization and encryption: NMI's platform uses tokenization and encryption technologies to ensure that sensitive cardholder information is securely transmitted and stored, minimizing the risk of fraud and data breaches.
Fraud prevention tools: NMI offers various fraud prevention tools, such as Address Verification System (AVS) and Card Verification Value (CVV), to help merchants identify and block potentially fraudulent transactions.
Customizable checkout experience: Merchants can customize the look and feel of their checkout process to match their branding, ensuring a seamless customer experience.
Recurring billing and subscription management: NMI supports recurring billing and subscription management, making it easy for businesses to offer subscription-based products or services.
Integration options: NMI offers a range of integration options, including APIs and pre-built plugins, making it easy to connect the payment gateway to various e-commerce platforms, shopping carts, and other third-party software.
Reporting and analytics: NMI's platform provides comprehensive reporting and analytics tools that allow merchants to track and analyze transaction data, helping them make informed business decisions.
Customer vault: Merchants can securely store their customers' payment information in NMI's customer vault, simplifying the checkout process for returning customers and making it easy to manage recurring payments.