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Software · head to head

Authorize.net vs Credit Karma

A

Authorize.net

Software

We help make it easy to get paid

From
On request
Rated
-
Full reviewWebsite
Credit Karma logo

Credit Karma

Software

Free credit scores, reports, and more

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Credit Karma has a free tier, so it costs nothing to try first.
  • 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; Credit Karma state tax filing costs 15 USD even though federal filing is 0 USD

Where they differ

Only the attributes on which Authorize.net and Credit Karma actually diverge.

Attributes where Authorize.net and Credit Karma differ
AttributeAuthorize.netCredit Karma
Starting priceOn requestFree
Pricing modelsubscriptionfreemium
Free tierNoYes
PlatformsWebWeb, IOS, Android
FoundedUnknown2007

Identical on both: user rating (Not yet rated), category (Unknown).

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 Credit Karma does not also cover.

Only in Credit Karma

  • Free credit score
  • Credit report monitoring
  • Credit card recommendations
  • Tax filing
  • Credit bureaus
  • Financial institutions
  • 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.

Credit Karma

  • Monitoring a credit score and the factors affecting it for freenot Authorize.net
  • Comparing credit card and loan offers with Approval Oddsnot Authorize.net
  • Filing federal tax returns at no chargenot 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

Credit Karma

  • State tax filing costs 15 USD even though federal filing is 0 USD
  • Credit Spark builds score history against TransUnion, and the site states that not all lenders use TransUnion credit reports or scores
  • Card and loan listings are advertising placements, disclosed on the site as compensation from third party advertisers
  • Send and score update frequency limits are not published on the site

Pricing, plan by plan

Authorize.net

On request

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

Credit Karma

Free
  • FreeFree
    • Credit score monitoring
    • Credit reports
    • Personalized recommendations

Which should you pick?

Choose Authorize.net if

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

Authorize.net review

Choose Credit Karma if

  • You need free credit score.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want credit report monitoring.
Credit Karma review

Questions people ask

Is Authorize.net or Credit Karma better?
Neither clearly leads. Authorize.net starts at On request and Credit Karma at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Authorize.net or Credit Karma?
Credit Karma has a free tier; the other does not. Paid plans start at On request for Authorize.net and Free for Credit Karma.
Does Authorize.net or Credit Karma run on more platforms?
Authorize.net runs on Web. Credit Karma runs on Web, IOS, Android.
Can I use Credit Karma for free?
Yes. Credit Karma has a free tier, so you can try it without paying. Authorize.net starts at On request.
What can Authorize.net do that Credit Karma cannot?
Credit Karma covers Free credit score, Credit report monitoring, Credit card recommendations, Tax filing.
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