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E-Commerce · head to head

Authorize.net vs Memberful

Authorize.net logo

Authorize.net

E-Commerce

We help make it easy to get paid

From
$25/month
Rated
-
Full reviewWebsite
Memberful logo

Memberful

E-Commerce

Membership platform for creators to sell subscriptions, courses and gated content

From
$49/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; Memberful charges a 4.9% transaction fee on top of the flat monthly fee on the Standard plan.
  • Prices and features above were last checked on 29 August 2026.

Where they differ

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

Attributes where Authorize.net and Memberful differ
AttributeAuthorize.netMemberful
Starting price$25/month$49/month
PlatformsWebweb, api
FoundedUnknown2013

Identical on both: pricing model (subscription), free tier (No), 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 Memberful does not also cover.

Only in Memberful

  • Membership checkout
  • Flexible subscriptions
  • Member management
  • Landing page builder
  • Dynamic paywalls
  • Third-party integrations

What people use each for

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

Authorize.net

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

Memberful

  • Selling paid membership subscriptions from an existing websitenot Authorize.net
  • Gating podcast, newsletter or course content behind a paywallnot Authorize.net
  • Running a WordPress site with paid member-only contentnot Authorize.net
  • Offering one-time purchases alongside recurring membershipsnot 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

Memberful

  • Charges a 4.9% transaction fee on top of the flat monthly fee on the Standard plan.
  • Requires a separate Stripe account, adding setup complexity compared to all-in-one checkout platforms.
  • Lacks built-in course-hosting depth found in dedicated learning management platforms.
  • No free plan beyond the pre-launch trial period; charges begin once payments go live.

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

Memberful

$49/month
  • Standard$49/month
    • 4.9% transaction fee
    • Full platform access
    • Free until you go live
  • Enterprise$undefined/mo
    • Custom volume-based rates
    • Premium services and success management
    • Dedicated migration support

Which should you pick?

Choose Authorize.net if

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

Authorize.net review

Choose Memberful if

  • You need membership checkout.
  • You work on web, api.
  • You also want flexible subscriptions.
Memberful review

Questions people ask

Is Authorize.net or Memberful better?
Neither clearly leads. Authorize.net starts at $25/month and Memberful at $49/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Authorize.net or Memberful?
Authorize.net starts at $25/month and Memberful at $49/month.
Does Authorize.net or Memberful run on more platforms?
Authorize.net runs on Web. Memberful runs on web, api.
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 Memberful is typically brought in for.
What can Authorize.net do that Memberful cannot?
Memberful covers Membership checkout, Flexible subscriptions, Member management, Landing page builder.

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
Memberful: What does Memberful cost?

Memberful's Standard plan costs $49/month plus a 4.9% transaction fee, while larger organizations can get custom volume-based rates on the Enterprise plan.

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
Memberful: Is there a free plan, and what are its limits?

Memberful can be used for free while setting up a membership site, with no charges incurred until the creator goes live and starts accepting payments.

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
Memberful: What does Memberful integrate with?

Memberful integrates with WordPress, Mailchimp, Discord and Kit, among other tools, to connect membership data with existing sites and marketing systems.

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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