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E-Commerce · head to head

Authorize.net vs Checkout.com

Authorize.net logo

Authorize.net

E-Commerce

We help make it easy to get paid

From
$25/month
Rated
-
Full reviewWebsite
Checkout.com logo

Checkout.com

E-Commerce

Your business deserves tailored pricing based on your needs

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Authorize.net all-in-One plan charges 2.9% + 30¢ per card transaction, higher than Gateway-only rate of 10¢ + batch fee; Checkout.com no rate is published: the pricing page states fees are set per business profile and risk category, so no figure can be compared before contacting sales
  • Prices and features above were last checked on 29 August 2026.

Where they differ

Only the attributes on which Authorize.net and Checkout.com actually diverge.

Attributes where Authorize.net and Checkout.com differ
AttributeAuthorize.netCheckout.com
Starting price$25/monthOn request
Pricing modelsubscriptionquote

Identical on both: free tier (No), platforms (Web), user rating (Not yet rated), category (E-Commerce).

What people use each for

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

Authorize.net

  • E-commerce payment processingnot Checkout.com
  • Recurring billing and subscription managementnot Checkout.com
  • Multi-channel payment acceptancenot Checkout.com

Checkout.com

  • Processing card payments across 150+ currenciesnot Authorize.net
  • Taking domestic payments in 45+ countriesnot Authorize.net
  • Interchange plus plus processing for a business that wants itemised card association and processor costsnot 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 2.9% + 30¢ per card transaction, higher than Gateway-only rate of 10¢ + batch fee
  • Gateway + eCheck plan limited to U.S.-based businesses only
  • eCheck processing includes $10 minimum monthly fee on Gateway + eCheck plan
  • Chargeback fees apply: $0 for standard processing but $25 for eCheck chargebacks

Checkout.com

  • No rate is published: the pricing page states fees are set per business profile and risk category, so no figure can be compared before contacting sales
  • Both a flat rate and interchange plus plus are offered without either being quoted, so a buyer cannot tell which model they will be given
  • Every route to a number runs through the sales team

Pricing, plan by plan

Authorize.net

$25/month
  • All-in-One$25/month
    • Merchant account and payment gateway
    • Transaction rate 2.9% + 30¢ per transaction
    • Multiple payment types (cards, Apple Pay, Google Pay)
  • Gateway Only$25/month
    • Payment gateway only
    • For existing merchant account holders
    • Transaction rate 10¢ per transaction + 10¢ daily batch fee
  • Gateway + eCheck$25/month
    • Payment gateway with eCheck support
    • eCheck rate 0.75% per transaction
    • Credit card rate 10¢ per transaction + 10¢ daily batch fee

Checkout.com

On request

No published plan breakdown. See the Checkout.com review.

Which should you pick?

Choose Authorize.net if

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

Authorize.net review

Choose Checkout.com if

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

Checkout.com review

Questions people ask

Is Authorize.net or Checkout.com better?
Neither clearly leads. Authorize.net starts at $25/month and Checkout.com at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Authorize.net or Checkout.com?
Authorize.net starts at $25/month and Checkout.com at On request.
Does Authorize.net or Checkout.com run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is Authorize.net best used for?
Authorize.net is most often used for e-commerce payment processing, recurring billing and subscription management, multi-channel payment acceptance. Of those, e-commerce payment processing and recurring billing and subscription management are not what Checkout.com is typically brought in for.

Answered from the vendors’ own pages

Authorize.net: How much does Authorize.net cost?

Authorize.net charges a $25/month gateway fee across all plans. Transaction rates vary: All-in-One plan charges 2.9% + 30¢ per card transaction, Gateway-only plan charges 10¢ per transaction + 10¢ daily batch fee, and Gateway + eCheck charges 0.75% for eCheck or 10¢ + 10¢ batch for credit cards.

Source
Checkout.com: How is Checkout.com pricing structured?

Checkout.com offers flat-rate pricing based on your business profile and risk category. They also provide interchange++ pricing model showing transparent card association and processor fees. No setup fees, account maintenance fees, or surprise charges are applied.

Source
Authorize.net: Are there any setup or termination fees?

No setup fee or early termination fee applies to any Authorize.net plan. You can cancel your account without penalty once service usage stops.

Source
Checkout.com: Does Checkout.com offer pricing for nonprofits?

Yes, Checkout.com provides free payment processing for registered charities in countries where they operate. Contact their sales team to verify eligibility and activate the charity program.

Source
Authorize.net: What are the additional fees beyond the monthly gateway charge?

Beyond the $25/month fee, additional charges include Account Updater service at $0.25 per update, standard chargeback fees at $0 (but $25 for eCheck chargebacks), and returned item fee of $3 for eCheck payments. eCheck processing includes a $10 minimum monthly fee.

Source
Checkout.com: What support is included in Checkout.com pricing?

All plans include dedicated account management, risk and fraud management tools, and integration support at no additional cost.

Source
Authorize.net: What payment types does Authorize.net accept?

Authorize.net accepts credit cards, Apple Pay, Google Pay, and eCheck payments (Gateway + eCheck plan and higher). All plans include automated recurring billing, customer information manager, digital invoicing, and advanced fraud detection.

Source
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