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E-Commerce · head to head

Authorize.net vs Shopify

Authorize.net logo

Authorize.net

E-Commerce

We help make it easy to get paid

From
$25/month
Rated
-
Full reviewWebsite
Shopify logo

Shopify

E-Commerce

The most trusted ecommerce platform to start, grow, and scale your business

From
$24/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; Shopify using any payment provider other than Shopify Payments adds a transaction fee on top of the card rate, at 2% on Basic falling to 0.2% on Plus
  • Prices and features above were last checked on 15 September 2026.

Where they differ

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

Attributes where Authorize.net and Shopify differ
AttributeAuthorize.netShopify
Starting price$25/month$24/month
FoundedUnknown2006

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 Shopify does not also cover.

Only in Shopify

  • Hosted ecommerce platform
  • Payment processing
  • Inventory management
  • Order tracking
  • Marketing automation
  • Apps and integrations
  • Multi-channel selling
  • SSL certificate

What people use each for

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

Authorize.net

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

Shopify

  • Running a hosted ecommerce store with payments and fulfilmentnot Authorize.net
  • Selling across online, in person and social channels from one cataloguenot 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

Shopify

  • Using any payment provider other than Shopify Payments adds a transaction fee on top of the card rate, at 2% on Basic falling to 0.2% on Plus
  • That fee makes the cheapest plan the most expensive place to use an outside processor, which is the opposite of how plans usually work
  • Card rates also improve with the plan, from 2.9% on Basic to 2.7% on Advanced
  • Amex is charged at a higher rate than other cards on every plan below Plus
  • Plus starts at $2,300 a month
  • The advertised lower monthly prices require paying a year up front

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

Shopify

$24/month
  • Basic$24/month
    • For solo entrepreneurs
    • $32/month on monthly billing
    • 2.9% + AED1.00 transaction fee (standard cards)
  • Grow$69/month
    • For small teams
    • $92/month on monthly billing
    • 2.8% + AED1.00 transaction fee (standard cards)
  • Advanced$299/month
    • For global reach
    • $399/month on monthly billing
    • 2.7% + AED1.00 transaction fee (standard cards)
  • Plus$2300/month
    • For complex businesses
    • most competitive transaction rates

Which should you pick?

Choose Authorize.net if

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

Authorize.net review

Choose Shopify if

  • You need hosted ecommerce platform.
  • You also want payment processing.
Shopify review

Questions people ask

Is Authorize.net or Shopify better?
Neither clearly leads. Authorize.net starts at $25/month and Shopify at $24/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Authorize.net or Shopify?
Authorize.net starts at $25/month and Shopify at $24/month.
Does Authorize.net or Shopify 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 Shopify is typically brought in for.
What can Authorize.net do that Shopify cannot?
Shopify covers Hosted ecommerce platform, Payment processing, Inventory management, Order tracking.

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
Shopify: How much does Shopify cost?

Shopify's Basic tier is $24/month (or $32/month monthly), Grow is $69/month (or $92/month monthly), Advanced is $299/month (or $399/month monthly), and Plus starts at $2,300/month. Annual subscriptions include 25% discount versus monthly billing.

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
Shopify: Does Shopify offer a free trial?

Yes, Shopify offers 3 days free, then $1/month for 3 months without requiring a credit card.

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
Shopify: What payment processing fees does Shopify charge?

Transaction rates vary by plan: Basic charges 2.9% + AED1.00 (standard cards), Grow charges 2.8% + AED1.00, Advanced charges 2.7% + AED1.00, and Plus offers the most competitive rates. American Express charges 0.1% higher across all plans.

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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