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E-commerce · head to head

Authorize.net vs Betterment

A

Authorize.net

E-commerce

We help make it easy to get paid

From
On request
Rated
-
Full reviewWebsite
Betterment logo

Betterment

Personal Finance

Your path to financial independence

From
$5/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Authorize.net all-in-One plan charges a $25 monthly gateway fee plus 2.9% + 30 cents per transaction on top of it; Betterment digital automated investing charges $5 per month fee for accounts under $24,000 balance

Where they differ

Only the attributes on which Authorize.net and Betterment actually diverge.

Attributes where Authorize.net and Betterment differ
AttributeAuthorize.netBetterment
Starting priceOn request$5/month
PlatformsWebWeb, iOS, Android
CategoryE-commercePersonal Finance
FoundedUnknown2008

Identical on both: pricing model (subscription), free tier (No), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Authorize.net

Nothing recorded that Betterment does not also cover.

Only in Betterment

  • Automated investing
  • Retirement planning
  • Financial advisory
  • Goal tracking
  • Bank accounts
  • Investment accounts
  • Web support
  • IOS support

What people use each for

The jobs each tool is most often brought in to do.

Authorize.net

No use cases recorded yet. See the Authorize.net review.

Betterment

  • Small investors starting with automated investing at no minimum balancenot Authorize.net
  • Fee-only digital wealth management for accounts under $24,000 via $5/month flat feenot Authorize.net
  • Premium advisory access for high-net-worth individuals with $100,000+ balancenot Authorize.net

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Authorize.net

  • All-in-One plan charges a $25 monthly gateway fee plus 2.9% + 30 cents per transaction on top of it
  • eCheck processing carries its own $10 monthly minimum fee separate from the card processing charges

Betterment

  • Digital automated investing charges $5 per month fee for accounts under $24,000 balance
  • Premium advisory service requires minimum balance of $100,000 in eligible investments
  • Foreign transaction fees apply to checking account (though reimbursed after the fact)
  • High-balance fee discounts only available above $1,000,000 account balance

Pricing, plan by plan

Authorize.net

On request

No published plan breakdown. See the Authorize.net review.

Betterment

$5/month

No published plan breakdown. See the Betterment review.

Which should you pick?

Choose Authorize.net if

Nothing in the data separates Authorize.net from Betterment on the points above - pick on price and on how each one feels to use.

Authorize.net review

Choose Betterment if

  • You need automated investing.
  • You work on Web, iOS, Android.
  • You also want retirement planning.
Betterment review

Questions people ask

Is Authorize.net or Betterment better?
Neither clearly leads. Authorize.net starts at On request and Betterment at $5/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Authorize.net or Betterment?
Authorize.net starts at On request and Betterment at $5/month.
Does Authorize.net or Betterment run on more platforms?
Authorize.net runs on Web. Betterment runs on Web, iOS, Android.
What can Authorize.net do that Betterment cannot?
Betterment covers Automated investing, Retirement planning, Financial advisory, Goal tracking.
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