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Authorize.Net Review

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Authorize.Net Review

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Date Established
American Fork, Utah


  • Broad support for multiple currencies
  • Robust security and anti-fraud features
  • Month-to-month billing
  • No long-term contracts


  • Data portability is complicated and expensive
  • Pricey account setup fee
  • High flat-rate pricing for optional merchant account


Authorize.Net is one of the oldest and most popular payment gateway providers for eCommerce. Established in 1996, the company is headquartered in American Fork, Utah. Authorize.Net was acquired by CyberSource in 2007, and CyberSource was in turn acquired by Visa in 2010. The company has provided payment gateway services to over 400,000 merchants since inception.

Before we delve into all of Authorize.Net’s services, let’s clear up a common misconception: Authorize.Net is not a merchant account provider. They provide a payment gateway and several ancillary products and services that integrate with it. While they can set you up with a merchant account if you don’t already have one, that account is actually provided by a third-party processor.

You can get a payment gateway from Authorize.Net in one of two ways. First, you can sign up with them directly. This works best if you already have a merchant account through a provider that doesn’t have a partnership with Authorize.Net. Second, you can get a merchant account through one of the many merchant account providers that partner with Authorize.Net. There are a lot of them, including Fattmerchant (read our review) and CDGcommerce (read our review), two of our most highly-rated providers. Which option is best for you will depend on the nature and size of your business, as well as whatever existing merchant account services you’re already using. For many merchants, getting an Authorize.Net gateway through their existing merchant account provider will be less expensive, as many providers will waive the gateway setup fee and offer lower monthly gateway fees.

Regardless of how you get your payment gateway, Authorize.Net provides a reliable service. In addition to a basic payment gateway, you’ll get a fraud detection feature, simplified checkout system, support for automated recurring billing, a customer information manager, and QuickBooks support – all for free. eCheck processing is also available for a low additional fee.

You can also turn your computer into a virtual terminal with Authorize.Net’s free Virtual Point of Sale (VPOS) software and a USB-connected card reader. Card reader options now include an EMV-compatible model. While it’s a little pricey, it can be a worthwhile investment if you’re selling both online and through a retail location. Virtual terminals allow you to process credit cards without the need for a terminal or dedicated POS system, while still qualifying for card-present processing rates.

Our one major criticism of Authorize.Net is its difficulty in exporting customer data. While the Customer Information Manager feature is extremely handy for storing your customers’ contact and payment method information, it’s costly and time-consuming to transfer that data to another system if you should ever decide to change from Authorize.Net to a different payment gateway. If you jump ship to a different gateway after building up a large database of customers, you’ll either have to re-input all that data from scratch or go without this feature for as long as eight weeks while the export is being completed. This is not only time-consuming but will also lead to lost sales as frustrated customers take their business elsewhere.

If data portability is a concern to you, you might want to consider Braintree as an alternative gateway provider. There is a downside, though. While Braintree provides its payment gateway as a free feature of its payment processing services, it charges $49.00 per month + $0.10 per transaction if you just want to use their gateway with your existing merchant account. This won’t be cost-effective for a lot of merchants.

Overall, Authorize.Net rates a solid 4 out of 5 stars. Their service performs well and offers several additional features that make their gateway more than just a way to accept credit cards over the internet. They also back it up with excellent customer service and support.

If you’d like to consider several highly-rated alternatives, check out our article The Top 5 Payment Gateways For Online Credit Card Processing.

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Countries Served

Authorize.Net is available to merchants in the United States, Canada, United Kingdom, Europe, and Australia.

Products & Services

Here are all the standard and optional features that Authorize.Net offers:

  • Payment gateway: Naturally, every account with Authorize.Net includes access to their payment gateway. For more information on how gateways work, see our Complete Guide to Online Credit Card Processing With a Payment Gateway.
  • Merchant account: While Authorize.Net is designed to work with your existing merchant account, they can also set you up with a merchant account if you don’t already have one. These merchant accounts are underwritten by several third-party providers, so their fees and terms will vary depending on which provider they assign you to.
  • Virtual Point of Sale (VPOS): The browser-based VPOS software acts as a virtual terminal, allowing you to manually key-in transactions on your computer. The new version of VPOS uses the BBPOS Chipper card reader, which can accept both magstripe and EMV cards. While the software is free, the card reader will run you $98.00 (plus an additional $17.50 for a six-foot micro-USB cable). Also, note that the VPOS software is currently Windows-only.
  • Apple Pay support: Authorize.Net supports in-app payments using Apple Pay. Support is currently available only to US-based merchants. See their FAQ for additional requirements.
  • Authorize.Net mPOS Mobile Payments: Like just about everyone these days, Authorize.Net has an app that can accept mobile payments in conjunction with a smartphone or tablet and a plug-in card reader. The app is available for both iOS and Android. While the app is free, and this feature is included with your account, you’ll have to purchase your own card reader. Choices include the IDTech Shuttle Two-Track Secure Magstripe Reader, which is magstripe-only and costs $42.88, or the BBPOS Chipper card reader mentioned above. Both readers plug into the headphone jack. See Authorize.Net’s list of supported devices. EMV payments are currently only available through supported processors.
  • Simple Checkout: Although Authorize.Net’s ability to integrate with a huge number of third-party online shopping carts is one of its stronger features, many merchants don’t need something that powerful. Simple Checkout lets you generate HTML code snippets for “Buy Now” and “Donate” buttons to add to your website.
  • Advanced Fraud Detection Suite (AFDS): Included for free with your account, AFDS consists of a set of thirteen filters that you can customize to your own needs to help flag and block potentially fraudulent transactions. This feature helps to prevent inventory loss due to fraud and lowers your liability for chargebacks.
  • Automated Recurring Billing (ARB): Subscription-based billing is more popular than ever, and ARB allows you to customize not only pricing but also features such as free trial periods and installment payments.
  • eCheck.Net: This is an optional feature. You can add eCheck processing to your existing merchant account or sign up for the eCheck Only Pricing Plan. Pricing is 0.75% per eCheck, a much lower rate than you’ll pay for credit or debit card transactions.
  • Customer Information Manager (CIM): One of Authorize.Net’s most powerful standard features, the CIM allows you to securely store customer information such as billing address, shipping address, and payment method information. Because this includes your customers’ sensitive credit card information, the data is securely encrypted. As we’ve noted, however, this security comes at the expense of data portability.
  • Sync for QuickBooks: While QuickBooks integration is a fairly standard feature these days, it’s still nice to have and will keep your accountant happy. Especially if that accountant is you.

Fees & Rates

Before we dig into what you’ll pay for an Authorize.Net gateway, let’s clarify one important thing: the rates quoted below are only applicable if you sign up directly with Authorize.Net. Many merchant account providers not only offer access to the Authorize.Net payment gateway, but they’re also able to waive some fees and negotiate lower rates and fees than what you’d pay if you signed up directly with Authorize.Net. In other words, the pricing below represents the full retail price for their services. If your merchant account provider wants to charge you higher rates than those listed below – don’t do it.

Authorize.Net features two pricing options on their website: a gateway-only plan and a gateway + merchant account plan. If you already have a merchant account, you’ll want the gateway-only option. Be aware, however, that it might be more cost-effective to get an Authorize.Net gateway through your existing merchant account provider if they offer it. If you also need a merchant account, Authorize.Net partners with a large number of resellers to provide the gateway + merchant account option. Again, it might be more affordable to go directly with one of these resellers rather than having Authorize.Net set up your merchant account. The main factor here is the relatively high flat-rate processing fee for the gateway + merchant account option.

Here are the listed prices for both options:

Payment Gateway Only:

  • $49.00 account set up fee
  • $25.00 per month gateway fee
  • $0.10 per transaction processing fee (this is in addition to any fee charged by your merchant account provider)
  • $0.10 daily batch fee

Payment Gateway + Merchant Account:

  • $49.00 account set up fee
  • $25.00 per month gateway fee
  • 2.9% + $0.30 per transaction processing fee

The single flat processing rate for the Payment Gateway + Merchant Account option can be either a good or bad deal, depending on how you take payments and your average ticket size. It’s higher than the industry average for card-present transactions, but lower than the average for card-not-present transactions. The $0.30 per transaction fee will also add up very quickly if you process a lot of low ticket-size transactions. You’ll want to carefully compare these rates against what your current merchant account provider is charging you before choosing either of these pricing plan options.

Example of Authorize.Net’s pricing advertisement

There is also a $25.00 per occurrence fee for chargebacks. International transactions will pay an additional 1.5% assessment. Finally, a small footnote points out that “partner merchant account fees may vary,” meaning that you might have even more fees to pay depending on which one of their resellers is providing your merchant account.

Every account through Authorize.Net includes the Advanced Fraud Detection Suite, Automated Recurring Billing, Customer Information Manager, and QuickBooks integration features for free. eCheck processing, if you need it, is 0.75% per transaction.

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Contract Length & Early Termination Fee

Authorize.Net advertises “no long-term contracts” and “no cancellation fees” on their website, and for the most part, this is true. Use of the Authorize.Net gateway is on a month-to-month basis, and you can cancel at any time without penalty. If you also go through Authorize.Net for your merchant account, be aware that things might be different. While many of their resellers (especially Dharma Merchant Services and Merchant Focus) will honor these guarantees, others are free to set their own additional terms and conditions, and some of them might impose a standard three-year contract with an early termination fee. Once again, you’re probably better off going directly through your merchant account provider to get an Authorize.Net gateway. You’ll have more room to negotiate, and you can probably get a better deal than the standard fixed-price 2.9% + $0.30 processing rate. In any event, be sure to review your contract thoroughly before signing it.

Sales & Advertising Transparency

As a tech-focused company, it should come as no surprise that Authorize.Net has an excellent website. The design is clean, and the layout makes it easy to navigate. There’s even a site map and a search function if you’re having trouble finding information on a topic. Best of all, it doesn’t come off as “salesy” the way so many other websites in this industry often do. In other words, there are no flashy sales gimmicks and no picture-perfect stock photos of perpetually happy customers.

One possible point of confusion that still occasionally comes up in complaints is that Authorize.Net is a gateway provider only, not a merchant account provider. If you need a merchant account, they will set you up with one of their resellers to provide this service. While they do point this out on their website, they probably could be a little clearer about explaining it. They also don’t disclose which particular reseller they’ll set you up with, and while there are valid reasons for this, be aware that there is a lot of variability in the quality of service among their numerous resellers.

I should also point out that there’s no mention of Authorize.Net’s lack of data portability anywhere on their site. While I wouldn’t expect any company to advertise their shortcomings right on their website, it’s an issue that you need to be aware of before you sign up and start accumulating customer information.

Authorize.Net has an active social media presence, with accounts on Facebook, LinkedIn, and Twitter. The latter includes network status updates, so you’ll want to follow them to keep up with any outages. They also have a YouTube channel, which features both tutorials and customer testimonials.

Customer Service & Technical Support

In addition to the numerous articles, white papers, and video tutorials found on their website, Authorize.Net has an exceptional knowledge base on the Support Center section of their website. If your problem is a common, easily-solved one, you should be able to diagnose and fix it using the technical information found here.

If your problem is more involved, you can also access their telephone support system, which is available 24 hours a day, seven days a week (except major holidays). Authorize.Net has a great reputation for excellent customer support, so you should have no problems getting your issue resolved.

One thing to be aware of, however, is that Authorize.Net’s customer support is for its payment gateway only. If you’re having a problem with your merchant account, you’ll have to go through your merchant account provider.

Negative Reviews & Complaints

Authorize.Net has been accredited by the BBB since 2009 and has an A+ rating. They currently have 112 complaints filed within the last three years, with 33 of those complaints being filed within the last twelve months. If this sounds like a lot, remember that they’re the most popular payment gateway provider in the country. With such a large customer base, they’re bound to have some unhappy campers, and this number is actually quite reasonable under the circumstances. It’s also a lower complaint volume than we found at the time of our last review update, with the decrease in complaints within the last year being particularly significant.

You’ll find an additional 96 complaints on Ripoff Report. On both sites, a common thread was merchants misunderstanding that Authorize.Net only provides a payment gateway, not a merchant account. Many of these complaints raise issues that relate to the customer’s merchant account and should have been directed there instead of against Authorize.Net. Ripoff Report, in particular, includes many complaints that are actually directed against merchant account providers and even merchants using Authorize.Net on their websites.

Despite this, the company is very thorough in offering detailed explanations of what went wrong and tries to correct the situation whenever they can. So, let’s be clear: if you have an issue that doesn’t involve the payment gateway itself (i.e., account holds or terminations), you need to address those complaints to your actual merchant account provider, not Authorize.Net. They can’t help you and misdirecting the complaint against them lets the actual offender (i.e., the merchant account provider) off the hook.

That said, common complaints against Authorize.Net include the following:

  • Setup and monthly fees are generally non-refundable: This isn’t so much a valid complaint as a general policy. Unless there was a genuine mistake on the part of Authorize.Net, they usually won’t issue a refund. Again, the issues that lead to a customer wanting a refund in the first place are usually the fault of the merchant account provider, not Authorize.Net. Merchants also seem to be unaware that if they register for an account on Authorize.Net’s website, they’ll be issued a gateway account automatically and charged a setup fee and the first month’s gateway fee. The company is generally pretty good about closing these accounts and issuing a refund when requested, but they could also do a better job of warning merchants in advance of the commitment they’re undertaking by signing up for an account online.
  • Data portability: As we’ve noted previously, Authorize.Net’s Achilles heel is their difficulty in exporting customer data for merchants who are switching to a different gateway provider. While their Customer Information Manager is a powerful and useful feature, exporting data from it costs hundreds of dollars and can take as long as 4-8 weeks. While the company claims this is necessary for “security reasons,” the fact is that competing gateway providers such as Braintree freely allow you to take your data with you. It’s both secure and PCI-compliant. At this point, it certainly looks like the company is deliberately making data portability as difficult as possible to keep current customers from switching to a competing provider.

Positive Reviews & Testimonials

Customers who are very satisfied with the quality of service they receive from a provider rarely take the time to leave positive feedback on their own initiative, so it’s often left to the providers themselves to “blow their own horn” by posting testimonials from satisfied merchants on their websites. Often, these testimonials are less than convincing.

That’s not the case with Authorize.Net. They’ve put together a very compelling series of video testimonials and case studies (both videos and articles) from customers around the country and posted it on their website and YouTube channel. While some of the videos come across as overly scripted, the case studies really shine by tying specific features of Authorize.Net’s service to the needs of the merchant providing the testimonial.

Final Verdict

Authorize.Net follows the maxim of doing one thing and doing it well. They provide a payment gateway and numerous ancillary services to support that gateway – and that’s it. While you may or may not need options like eCheck processing and mobile payments, it’s nice to know they’re available and perform well for merchants who require them. Basic features of their gateway service such as the fraud prevention filters will be useful to everyone using their service.

The difficulty in exporting your customer data is still Authorize.Net’s one major flaw, and it’s the main reason they don’t get a perfect score. With competing providers now offering this feature in a PCI-compliant manner, the company needs to find a way to do this if they want to maintain their dominant position in the payment gateway provider industry over the long term. That said, this problem will only become an issue if you want to leave Authorize.Net for a competing provider, and the high quality of their service is such that most merchants won’t have much reason to do this.

If you’re looking for a payment gateway, Authorize.Net is a solid choice. They have the features and options to cover all your business needs and the excellent customer service and support to back it up. One important caveat is that in many cases it will be less expensive to sign up for an Authorize.Net gateway through one of their resellers rather than going directly through the company itself. Many of the company’s resellers will completely waive the $49.00 account set up fee, and their monthly gateway fees will be discounted from the $25.00 per month that Authorize.Net charges. You also won’t be stuck with a high, flat-rate processing rate. There are a lot of resellers out there, so shop around! We recommend starting your search with two of our favorite merchant account providers, Fattmerchant (read our review) and CDGcommerce (read our review).

Authorize.Net scores a respectable 4 out of 5 stars for now, with the difficulty in exporting customer data and the high flat-rate pricing on their bundled merchant account being the only issues that keep them from earning a higher score. Have you had any experience using Authorize.Net? If so, please feel free to leave your feedback in the Comment section below.

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Frank Kehl

Frank Kehl

Frank Kehl has been writing about merchant services, payment gateways, and international money transfer services since 2015. He has a Bachelor of Science degree from Penn State and a Juris Doctorate from the Ventura College of Law. After a long and enjoyable career of traveling around the world as an Air Force navigator, he’s comfortably settled down in the wine country town of Paso Robles in California’s scenic Central Coast region. He enjoys reading, photography, hiking, and numerous other outdoor pursuits.
Frank Kehl
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Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Viktor V

    Organization Name: Sublime Payroll Services Inc

    Horrible company. Terrible communication. Don’t use this provider.You risk your reputation in front of customers and your money too much.

    • Organization Name: Sublime Payroll Services Inc

    Organization Name: Progranet

    Es una porqueria, Nunca atienden en español para empezar, nunca pude usarlo porque son unos Tramposos. Siempre me cobran por algo que no utilizo incluso una vez, Cancelado es una porqueria.It’s a crap, They never attend in Spanish to start, I could never use it because they are cheaters. They always charge me for something I do not use even once, Canceled is a crap.

    • Organization Name: Progranet
    Michael McTernan

    Organization Name: McTernan Logistics Inc

    Absolutely piss-poor organization, worst time and effort spent dealing with a company. Highly recommend using anybody other than these people. Shit policy, unorganized and unreliable,

    • Organization Name: McTernan Logistics Inc

    I would like to hear more people’s experiences with and if there are better companies out there. I got rejected by PayPal Pro and Stripe because of the type of services I offer – healings. I need a payment gateway and merchant account provider. Any recommendations for companies that accept esoteric type of services? I have excellent credit, 0 debt, and no one has ever asked for a refund. Please help!

      This comment refers to an earlier version of this review and may be outdated.


      Hello! Who did you end up going with? I have a similar business.


        I wish I could give a -5They will charge you 49.99 even if you’re declined. !What a SCAM….!


          This comment refers to an earlier version of this review and may be outdated.

          Jenna Salter

          What do you recommend for a non profit school who accepts very little credit/debit cards a month?

            This comment refers to an earlier version of this review and may be outdated.

            Jessica Dinsmore

            Hi Jenna,

            Square is great for low/varying sales volume and works well for smaller nonprofits.

              This comment refers to an earlier version of this review and may be outdated.

              Celeste Ganeku

              Wish I could give this company a minus rating!!! I signed up with them after a lengthy conversation with their rep who assured me no monthly or cancellation charges. After seeing not only a 30+ monthly charge and other erroneous charges for “non-compliance” I called to cancel. The rude customer agent NEVER mentioned the $300 cancellation fee which I found on my credit card statement later. When I discussed this with them, they said “It’s in your contract” and since it was breached, I was responsible for the charges. In less than 4 months, this company robbed me of over $600 and even though I filed a complaint with the BBB and other places, it was time wasted. I literally despise this company and hope with more people getting ripped off, something will happen to them!


                This comment refers to an earlier version of this review and may be outdated.


                Horrible company. I used them for less than a year and was unhappy the entire time. Hard to work with, no true support and horrible customer service. I have changed to Stripe and I’m really happy. It’s very easy to use and I have had no problems.


                  This comment refers to an earlier version of this review and may be outdated.




                    This comment refers to an earlier version of this review and may be outdated.

                    Ian Scherber

                    The sales staff is ignorant and pushy. Their lead generating software collects minimal information and they doesn’t take the time to understand your needs. The sales stuff hung up on me after I confronted them on this issues. He also told me, and I quote, “I am 24 and I make over 150k a year. I looked up your tax records and you don’t make that much money. You need to listen to me”. Sounds about right eh? I would highly recommend blocking them.


                      This comment refers to an earlier version of this review and may be outdated.

                      James Jones

                      This company is by far one of the worst to deal with. As others have stated their fees are outrageous their support is terrible and absolutely DO NOT store any information in their CIM system as it will be impossible to export that data. DO NOT USE or you will regret it. They simply do not care about their customers!


                        This comment refers to an earlier version of this review and may be outdated.

                        Kip Cummings

                        Terrible communication or lack thereof. Don’t use this provider.

                          This comment refers to an earlier version of this review and may be outdated.


                          Be careful, they charge you for the service you never asked for or used; without your permission and if you contact them they will say “it is your responsibility to check your card and make sure no one stills your money”


                            This comment refers to an earlier version of this review and may be outdated.


                            old dying dinosaur – if you want an “extraction” of your own customer’s data – they charge $250/hour and it’s a minimum charge of $1000


                              This comment refers to an earlier version of this review and may be outdated.

                              Retail Operations

                              DO NOT TRUST AUTHORIZE.NET DO NOT GIVE THEM YOUR BANK INFORMATION! By all means do not trust these scum called When you apply for an account, DO NOT LEAVE ANY BANK ACCOUNT INFORMATION! Whether your approved or not, they will start debiting fees from your bank account left and right. You call them up, get a letter saying the account is closed or you have no account with, they will start debiting your bank account the second you sign that paper, merchant account or no merchant account. They will approve you and then in a matter of hours close your account for the sole reason to debit your bank account. Make sure if you do use them to put a personal checking account with them so you can dispute the fees! With a business banking account you cant, and that’s what they do. These scumbags say the $50 is non refundable, even if they dont approve you for an account, and they so called will refer to 3 other merchant providers, which are even bigger scumbags them 3 Months ago we signed up with them and for no reason got disapproved the same day, and to this date, they are still debit our bank account even though we have a letter from them saying its closed. Scum bags debited my account or attempted to 3x since November, luckily i know my bank and they just kicked back the charges.


                                This comment refers to an earlier version of this review and may be outdated.


                                Terrible communication and poor customer service.


                                  This comment refers to an earlier version of this review and may be outdated.


                                  AUTHORIZE NET is completely rubbish – it may be ok in the US but they recently (2016) attempted to enter the austalian market – HAD MY ACCOUNT SET UP FOUR TIMES after their “sales” persons screwed up over and over and over again!1) you cant get hold of anyone in their “sales” department which is also responsibile for setting up your australian account unless it is 2am in the morning australian time (if you are lucky)2) they dont have a clue about what banks operate in australia or how our merchant services providers work or even the basics in customer service: I dont know if it is the same in the US, but australian accounts have to rely on “the sales team” to connect your merchant account to them for you/ set currencies / or make any changes to your account (you can do all this yourself if you use other companies, such as Stripe for example – so if a small error is made you can just fix it yourself ) Over a period of several frustrating weeks (which I was billed for – what a CHEEK ):a) they set up my account incorrectly tying me to the wrong merchant acc (so customers couldnt pay)b) they set my currency on USD instead of AUD (so customers couldnt pay)c) the sales team inputted the banks coding incorrectly so while the transactions “processed successfully on their end (so they could wash their hands of it) – the money got lost in the bank’s holding account and took over a week of calls – even a conference call on two phones between the bank and the authorize net “SUPPORT” because they kept blaming eachother D) their “sales team” in Australia claims to be open until 10am in Australia on their telephone answering machine – but you can phone at any time of the day and you just get this same message and the call drops. They tell you to emial them – and then they dont replyMY BANK EVENTUALLY FOUND THE money BUT WANTED AUTHORIZENET TO fix their coding mistake so they could allocate the funds – AUTHORIZE NET SALES NEVER REPLIED TO MY EMAIL REQUESTING THEM TO DO THIS – and STILL WONT PICK UP THE F****KING PHONE! MOST USELES PAYMENT PROCESSOR =sales rep by the name of WADE – was completely arrogant and obviously not interested in doing anything if he can help it – including picking up the phoneLAST ONE – i WAS TOld that payments are processed within 48 hours into your designated bank account – then later told it would be over 5 days – to day i HAVE BEEN waiting for three weeks and have yet to receive ANY OF THE FUNDS PROCESSED WITH AUTHORIZENET TO ACTUALLY LAND IN MY BANK ACC – AVOID LIKE THE PLAgue!


                                    This comment refers to an earlier version of this review and may be outdated.


                                    I have been with for about 5 years, in my opinion, these people are truly bad news and their practices are questionable. Do yourself a favor and look into other options, you will be very happy you did. Please note the following:

                                    1. Their technology and options is outdated.
                                    2. Most of the newer system will automatically update a credit card expiration date, however as far as I know, this is either not an option on Authorize or they don’t appear promote it.
                                    3. Their in-house merchant bank charges significantly more than the competition.
                                    4. The service is bad, they appear to really not care.
                                    5. I once had a security issue that was reported by their own system, they didn’t even have a security department to review it, they blew it off and I was not sure if there was a security breach or not to this day.
                                    6. This is the worst, when you leave and want you re-occurring credit card data, they will charge you a minimum of $1000, at least as of the date I am writing this. I was told by a former employee that it takes them half hour at most to extract this data, but their rates are $250/hour with a 4 hour minimum. I was further told they do this to make it very difficult to leave.

                                    My opinion is that this is really a horrible company in every-way, there is almost nothing good about them. They just don’t seem to care and will seam to stick it to you when they can. I highly recommend to stay away, my experience and opinion tells me you are not dealing with highly ethical people.

                                      This comment refers to an earlier version of this review and may be outdated.

                                      Boian Mitov

                                      Almost impossible to contact a representative.A large number of additional and mysterious charges, sometimes in excess of $120 per statement, and whenever you succeed to get somebody to answer the phone usually they can’t answer what the fees are.Avoid at any cost!


                                        This comment refers to an earlier version of this review and may be outdated.

                                        Calvin Jones

                                        I agree! They are the worst! Please take caution!

                                          This comment refers to an earlier version of this review and may be outdated.


                                          1st batch. Sent to risk management. Provided documentation. A week later called back. Brady in CS completely rude, unsympathetic. Sent me to vm for his manager, Rick so I called back. Brady angered. “RICK” is out of the office. Don’t they know I am the customer? Look elsewhere. They don’t care.


                                            This comment refers to an earlier version of this review and may be outdated.

                                            Lynn Winsell

                                            I have nothing but challenges since I started processing with them. About 1 out of 3 transactions go thru completed and the others end up cancelled and I have to call the clients for payment. I have spoken to their company many times and they say ohhhh we just updated and it should be better now. Or they always have an excuse. If this is not bad enough then goes down for a day or two and my customers get errors and cant process. I do not have time to call everyone that wants to purchase and get their credit card info and do it for them. Some people just do not want to buy something that bad to go thru that. I hear rave reviews about Stripe, do any of you have experience with them? Also, Pay pal is an option and both are cheaper than I am disappointed in them because my credit card processing company recommended them.

                                              This comment refers to an earlier version of this review and may be outdated.

                                              Thomas Fischer

                                              Terrible. Customer support. Company changed security on website, didn’t inform of the change and have spent last two days trying to get up and running. I would seriously consider other options.


                                                This comment refers to an earlier version of this review and may be outdated.


                                                I agree!

                                                  This comment refers to an earlier version of this review and may be outdated.

                                                  Mary Smith

                                                  This company has the absolute worst sales and support staff in history. They are disrespectful and arrogant. They don’t reply to emails. You can’t get a question answered by anyone. All they do is say it’s another department’s problem and transfer you without your input. They rarely understand the reason you’re calling.And this is during the pre-customer wooing stage when most companies are the most responsive.I’m glad we haven’t signed a contract seeing the note about their downtime.


                                                    This comment refers to an earlier version of this review and may be outdated.

                                                    Scott Gurley

                                           was reliable perhaps 7 years ago when we started with them. As of the last year they go down nearly monthly. I’m SO fed up with them. Please avoid. We are undertaking a massive redo of our technology – both online and in-store to avoid this single point of failure bottleneck. Why they don’t have backups in place is beyond me. What a terribly run company to just have outage after outage and act like nothing happened. They have repeatedly covered up their outages too by not reporting them many times.


                                                      This comment refers to an earlier version of this review and may be outdated.


                                                      Thanks for the review Tom.

                                                      I’m trying to decide between Authorize and BeanSteam for my website right now. Bean has a little better pricing, yet does not accept all credit cards like Authorize does. I will be selling a course online and would like as much of an all in one shopping cart – gateway -merchant account as I can find. It seems as these two are fairly comparable in terms of their reviews. Do you have any other thoughts on this matter??

                                                      Thank you!

                                                        This comment refers to an earlier version of this review and may be outdated.


                                                        Check out Stripe!

                                                          This comment refers to an earlier version of this review and may be outdated.


                                                          Why would they want to waste the time giving all the card info when they know that their customer is changing gateways? Sure is just easy to say they cant do it. Time is money right?


                                                            This comment refers to an earlier version of this review and may be outdated.

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