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E-Commerce · head to head

Authorize.net vs Oracle Commerce

Authorize.net logo

Authorize.net

E-Commerce

We help make it easy to get paid

From
$25/month
Rated
-
Full reviewWebsite
Oracle Commerce logo

Oracle Commerce

E-Commerce

Cloud-based commerce platform by Oracle

From
$100000/year
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; Oracle Commerce enterprise-only pricing model with no transparent public pricing (custom quotes required)
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Authorize.net and Oracle Commerce actually diverge.

Attributes where Authorize.net and Oracle Commerce differ
AttributeAuthorize.netOracle Commerce
Starting price$25/month$100000/year
PlatformsWebCloud/Web
FoundedUnknown1991

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 Oracle Commerce does not also cover.

Only in Oracle Commerce

  • Storefront builder
  • Product management
  • Order management
  • Inventory management
  • Personalization engine
  • Analytics
  • B2B capabilities
  • Mobile commerce

What people use each for

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

Authorize.net

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

Oracle Commerce

No use cases recorded yet. See the Oracle Commerce review.

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

Oracle Commerce

  • Enterprise-only pricing model with no transparent public pricing (custom quotes required)
  • Requires significant implementation costs and consulting services
  • Complex setup and configuration compared to simpler SaaS e-commerce platforms
  • Extensive product catalog and workflow management configuration required without pre-built templates

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

Oracle Commerce

$100000/year
  • Commerce$100000/year
    • Storefront management
    • Product catalog
    • Order management
  • Commerce Premium$500000/year
    • All Commerce features
    • Advanced personalization
    • B2B capabilities

Which should you pick?

Choose Authorize.net if

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

Authorize.net review

Choose Oracle Commerce if

  • You need storefront builder.
  • You work on Cloud/Web.
  • You also want product management.
Oracle Commerce review

Questions people ask

Is Authorize.net or Oracle Commerce better?
Neither clearly leads. Authorize.net starts at $25/month and Oracle Commerce at $100000/year, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Authorize.net or Oracle Commerce?
Authorize.net starts at $25/month and Oracle Commerce at $100000/year.
Does Authorize.net or Oracle Commerce run on more platforms?
Authorize.net runs on Web. Oracle Commerce runs on Cloud/Web.
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 Oracle Commerce is typically brought in for.
What can Authorize.net do that Oracle Commerce cannot?
Oracle Commerce covers Storefront builder, Product management, Order management, Inventory management.

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
Oracle Commerce: What platform flexibility does Oracle Commerce provide for customization?

Oracle Commerce provides an API-first architecture that gives full control over storefront customization, integrations, and workflows without being limited by templates. It includes 20+ out-of-the-box page layouts and 70+ prebuilt widgets that merchants can customize or extend.

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
Oracle Commerce: Does Oracle Commerce support complex product configurations?

Yes. Oracle Commerce supports configurable products, including complex configured items in self-service channels. It leverages CPQ's guided selling, rules, and constraints to sell complex products error-free.

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
Oracle Commerce: What payment and order management capabilities does Oracle Commerce offer?

Oracle Commerce includes shopping cart, mobile access, multi-store support, dynamic catalog management, pricing, promotions, and order management. The platform is built on a subscription model with usage-based metrics for page views and orders.

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
Oracle Commerce: Can customer service representatives use Oracle Commerce for order assistance?

Yes. Oracle Commerce features an integrated call center application (Agent Console) that enables service representatives to deliver informed, consistent experiences to shoppers with access to complete order information.

Source
Oracle Commerce: What pricing model does Oracle Commerce use?

Oracle Commerce operates on a subscription-based SaaS model with usage-based pricing. Standard and Premium tiers are available, with costs calculated by page views or orders (starting at $800 for the first 1,000, then $3 per additional 1,000).

Source
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