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E-Commerce · head to head

Authorize.net vs SAP Commerce Cloud

Authorize.net logo

Authorize.net

E-Commerce

We help make it easy to get paid

From
$25/month
Rated
-
Full reviewWebsite
SAP Commerce Cloud logo

SAP Commerce Cloud

E-Commerce

Enterprise commerce platform by SAP

From
$75000/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; SAP Commerce Cloud requires significant implementation and integration effort
  • Prices and features above were last checked on 30 August 2026.

Where they differ

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

Attributes where Authorize.net and SAP Commerce Cloud differ
AttributeAuthorize.netSAP Commerce Cloud
Starting price$25/month$75000/year
PlatformsWebWeb, Cloud
FoundedUnknown1997

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 SAP Commerce Cloud does not also cover.

Only in SAP Commerce Cloud

  • B2B and B2C commerce
  • Multi-channel selling
  • Product management
  • Order management
  • Inventory optimization
  • Customer analytics
  • Personalization engine
  • API-first architecture

What people use each for

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

Authorize.net

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

SAP Commerce Cloud

No use cases recorded yet. See the SAP Commerce Cloud 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

SAP Commerce Cloud

  • Requires significant implementation and integration effort
  • Higher entry cost compared to SaaS alternatives
  • Implementation timeframe extends several months to years

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

SAP Commerce Cloud

$75000/year
  • Standard$75000/year
    • B2C ecommerce
    • Multi-channel
    • Inventory management
  • Premium$300000/year
    • All Standard features
    • B2B capabilities
    • Advanced analytics

Which should you pick?

Choose Authorize.net if

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

Authorize.net review

Choose SAP Commerce Cloud if

  • You need b2b and b2c commerce.
  • You work on Web, Cloud.
  • You also want multi-channel selling.
SAP Commerce Cloud review

Questions people ask

Is Authorize.net or SAP Commerce Cloud better?
Neither clearly leads. Authorize.net starts at $25/month and SAP Commerce Cloud at $75000/year, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Authorize.net or SAP Commerce Cloud?
Authorize.net starts at $25/month and SAP Commerce Cloud at $75000/year.
Does Authorize.net or SAP Commerce Cloud run on more platforms?
Authorize.net runs on Web. SAP Commerce Cloud runs on Web, Cloud.
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 SAP Commerce Cloud is typically brought in for.
What can Authorize.net do that SAP Commerce Cloud cannot?
SAP Commerce Cloud covers B2B and B2C commerce, Multi-channel selling, Product management, Order 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
SAP Commerce Cloud: Does SAP Commerce Cloud include hosting?

Yes. SAP Commerce Cloud includes managed hosting on Microsoft Azure as part of the platform service, providing a production environment and staging environment.

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
SAP Commerce Cloud: What integrations does SAP Commerce Cloud support?

SAP Commerce Cloud provides foundation integration options including ImpEx, Data Hub adapter, context-driven services integrations, and Integration APIs. It also integrates with SAP S/4HANA, other SAP CX solutions, and third-party systems through SAP Integration Suite.

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
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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