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E-Commerce · head to head

Authorize.net vs Heartland Retail

Authorize.net logo

Authorize.net

E-Commerce

We help make it easy to get paid

From
$25/month
Rated
-
Full reviewWebsite
Heartland Retail logo

Heartland Retail

E-Commerce

Cloud point of sale and inventory management sold alongside Heartland card processing

From
$150/month
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; Heartland Retail the software is sold as part of a card processing relationship, so the monthly licence understates the real cost and the processing rate is the number that determines what you pay over a year.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Authorize.net and Heartland Retail actually diverge.

Attributes where Authorize.net and Heartland Retail differ
AttributeAuthorize.netHeartland Retail
Starting price$25/month$150/month
FoundedUnknown1997

Identical on both: pricing model (subscription), 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 Heartland Retail does not also cover.

Only in Heartland Retail

  • Multi-store inventory
  • Cloud point of sale
  • Purchasing and receiving
  • Customer records
  • Sales and stock reporting
  • Integrated card processing
  • E-commerce integrations

What people use each for

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

Authorize.net

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

Heartland Retail

  • A specialty retailer opening a third or fourth site that needs one stock position across all of themnot Authorize.net
  • Replacing a legacy on-premise till system that requires a server in the back office of every storenot Authorize.net
  • A retailer whose buying team needs purchase orders and receiving rather than just a cash registernot Authorize.net
  • An existing Heartland processing customer consolidating software and payments under one suppliernot 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

Heartland Retail

  • The software is sold as part of a card processing relationship, so the monthly licence understates the real cost and the processing rate is the number that determines what you pay over a year.
  • Leaving means changing till software and merchant account together, and since the payment terminals, the reporting history and the staff training are all tied to the same supplier, the switching cost is far higher than a software migration alone.
  • It is not an online store platform, so a merchant selling on the web still buys and maintains a separate e-commerce platform, and the stock and order integration between the two is an ongoing operational dependency rather than a one-off setup.
  • Historical sales and customer purchase history rarely migrate cleanly out of a point of sale system, so a retailer who switches typically starts with an empty history and keeps the old system read-only, paying for it, for years.
  • Heartland sits within Global Payments, a group that has repeatedly restructured its portfolio through acquisitions and divestitures, so which entity owns and invests in this specific product is not stable over a long contract term.

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

Heartland Retail

$150/month
  • Core$150/month
    • POS system
    • Inventory management
    • Customer management
  • Professional$350/month
    • All Core features
    • Omnichannel
    • Advanced analytics

Which should you pick?

Choose Authorize.net if

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

Authorize.net review

Choose Heartland Retail if

  • You need multi-store inventory.
  • You also want cloud point of sale.
Heartland Retail review

Questions people ask

Is Authorize.net or Heartland Retail better?
Neither clearly leads. Authorize.net starts at $25/month and Heartland Retail at $150/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Authorize.net or Heartland Retail?
Authorize.net starts at $25/month and Heartland Retail at $150/month.
Does Authorize.net or Heartland Retail 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 Heartland Retail is typically brought in for.
What can Authorize.net do that Heartland Retail cannot?
Heartland Retail covers Multi-store inventory, Cloud point of sale, Purchasing and receiving, Customer records.

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
Heartland Retail: Can I use it as my online store?

No. It manages the shop floor and stock. Selling online means a separate e-commerce platform and an integration to keep the catalogue and stock aligned.

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
Heartland Retail: Do I have to use Heartland for card processing?

The product is sold as part of a payments relationship, and that is where the supplier's margin sits. Ask explicitly what the software costs standalone before assuming you have a choice.

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
Heartland Retail: What should I negotiate hardest on?

The card processing rate and the contract term, not the software subscription. Ask for interchange-plus pricing in writing rather than a blended rate.

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
Heartland Retail: What happens to my sales history if I leave?

Assume products and current stock export cleanly and that years of transaction history do not. Budget for keeping the old system available read-only during any transition.

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