Softwr

E-Commerce · head to head

Authorize.net vs Etsy

Authorize.net logo

Authorize.net

E-Commerce

We help make it easy to get paid

From
$25/month
Rated
-
Full reviewWebsite
Etsy logo

Etsy

E-Commerce

Global marketplace for handmade, vintage, and unique items

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; Etsy transaction fees at 6.5% of sale price
  • Prices and features above were last checked on 30 August 2026.

Where they differ

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

Attributes where Authorize.net and Etsy differ
AttributeAuthorize.netEtsy
Starting price$25/monthOn request
Pricing modelsubscriptiontransaction
FoundedUnknown2005

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

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 Etsy does not also cover.

Only in Etsy

  • Shop setup
  • Product listings
  • Payment processing
  • Shop customization
  • Order management
  • Shipping labels
  • Reviews & ratings
  • Shipping protection

What people use each for

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

Authorize.net

  • E-commerce payment processingnot Etsy
  • Recurring billing and subscription managementnot Etsy
  • Multi-channel payment acceptancenot Etsy

Etsy

  • Selling handmade crafts and unique itemsnot Authorize.net
  • Reselling vintage goods and collectiblesnot Authorize.net
  • Marketing handpicked curated productsnot Authorize.net
  • Operating storefront with secured payment processingnot 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

Etsy

  • Transaction fees at 6.5% of sale price
  • Payment processing fee of 3% plus $0.25 per transaction
  • 15% offsite ads fee for sales from Etsy external advertising
  • No monthly subscription covers fees - all fees per transaction

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

Etsy

On request
  • Seller Fees$0.2/listing
    • Listing fee per item for 4 months
  • Transaction Fee$6.5/percent
    • 6.5% of sale price including shipping
  • Payment Processing Fee$3/percent
    • 3% of sale price plus $0.25 per transaction
  • Offsite Ads Fee$15/percent
    • 15% of sale price when sale results from Etsy external advertising

Which should you pick?

Choose Authorize.net if

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

Authorize.net review

Choose Etsy if

  • You need shop setup.
  • You also want product listings.
Etsy review

Questions people ask

Is Authorize.net or Etsy better?
Neither clearly leads. Authorize.net starts at $25/month and Etsy at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Authorize.net or Etsy?
Authorize.net starts at $25/month and Etsy at On request.
Does Authorize.net or Etsy 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 Etsy is typically brought in for.
What can Authorize.net do that Etsy cannot?
Etsy covers Shop setup, Product listings, Payment processing, Shop customization.

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
Etsy: What is the listing fee on Etsy?

Each listing costs $0.20 and is active for 4 months. You only pay transaction and payment processing fees when you make a sale.

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
Etsy: What are Etsy's transaction and payment fees?

Etsy charges 6.5% transaction fee on the sale price including shipping, plus 3% and $0.25 for payment processing per transaction. If a sale results from Etsy's external advertising, an additional 15% offsite ads fee applies.

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
Etsy: Are there monthly subscription costs?

No, Etsy does not require a monthly subscription. You pay per listing ($0.20) and transaction-based fees when you make sales.

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
Etsy: What types of items can I sell on Etsy?

Etsy allows items you made, designed, handpicked, or sourced that meet Creativity Standards. The marketplace focuses on unique, handmade, or vintage goods rather than mass-produced items.

Source
Share

Related pages

More on Authorize.net

More on Etsy

Keep looking

Other head to heads