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E-Commerce · head to head

Authorize.net vs Mercari

Authorize.net logo

Authorize.net

E-Commerce

We help make it easy to get paid

From
$25/month
Rated
-
Full reviewWebsite
Mercari logo

Mercari

E-Commerce

Japan-founded peer-to-peer resale marketplace with a flat seller commission

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Mercari has a free tier, so it costs nothing to try first.
  • 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; Mercari the flat 10 percent commission plus payment processing fees applies even to very low-value items, so selling something for a few dollars can leave the seller with proportionally little after fees and packaging.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

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

Attributes where Authorize.net and Mercari differ
AttributeAuthorize.netMercari
Starting price$25/monthFree
Pricing modelsubscriptionFree to list; 10 percent seller commission on sale price plus payment processing fee
Free tierNoYes
PlatformsWebiOS, Android, Web

Identical on both: 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 Mercari does not also cover.

Only in Mercari

  • Flat seller commission
  • Prepaid shipping labels
  • Local pickup and offers
  • Smart pricing and price drops
  • Mercari authenticity guarantee
  • Instant or standard payout

What people use each for

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

Authorize.net

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

Mercari

  • Someone clearing out a wide mix of household items, not just clothing, in one listing appnot Authorize.net
  • A casual seller who wants a flat, predictable commission rather than a tiered fee structurenot Authorize.net
  • A buyer looking for secondhand electronics or general goods alongside apparelnot Authorize.net
  • A seller using local pickup to avoid shipping costs on bulky itemsnot 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

Mercari

  • The flat 10 percent commission plus payment processing fees applies even to very low-value items, so selling something for a few dollars can leave the seller with proportionally little after fees and packaging.
  • Shipping is the seller's responsibility to arrange and package correctly, and disputes over item condition or damage in transit are common friction points in buyer-seller resolution.
  • Instant payout carries its own fee on top of the selling and processing fees already deducted, so getting money out quickly costs more than waiting for standard transfer.
  • Buyer protection and authenticity verification are limited outside the specific luxury authentication programme, so counterfeit risk on unverified categories rests largely on buyer judgement of listing photos and seller ratings.
  • Market depth and typical sale prices vary significantly between the Japan and US versions of the app, and the two operate as largely separate marketplaces despite the shared brand.

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

Mercari

Free
  • SellingFree
    • 10 percent selling fee on final sale price
    • Separate payment processing fee, roughly 2.9 percent plus a fixed amount
    • Instant payout carries an additional fee versus standard bank transfer

Which should you pick?

Choose Authorize.net if

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

Authorize.net review

Choose Mercari if

  • You need flat seller commission.
  • You want to start without paying.
  • You work on iOS, Android, Web.
  • You also want prepaid shipping labels.
Mercari review

Questions people ask

Is Authorize.net or Mercari better?
Neither clearly leads. Authorize.net starts at $25/month and Mercari at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Authorize.net or Mercari?
Mercari has a free tier; the other does not. Paid plans start at $25/month for Authorize.net and Free for Mercari.
Does Authorize.net or Mercari run on more platforms?
Authorize.net runs on Web. Mercari runs on iOS, Android, Web.
Can I use Mercari for free?
Yes. Mercari has a free tier, so you can try it without paying. Authorize.net starts at $25/month.
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 Mercari is typically brought in for.
What can Authorize.net do that Mercari cannot?
Mercari covers Flat seller commission, Prepaid shipping labels, Local pickup and offers, Smart pricing and price drops.

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
Mercari: How much does Mercari charge sellers?

A flat 10 percent selling fee on the final sale price in the US, plus a separate payment processing fee, both deducted from the seller payout.

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
Mercari: Does the buyer pay any extra platform fee?

No separate platform fee is added at buyer checkout the way Vinted adds a buyer protection fee; the buyer pays the listed price plus shipping if not included.

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
Mercari: Is Mercari the same marketplace in Japan and the US?

No, they operate as separate marketplaces under the same brand, with different inventory, pricing and fee history.

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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