Authorize.net Fee Calculator (2026)
Authorize.net charges $25 a month on every plan. All-in-One adds 2.9% + 30¢ per transaction; Payment Gateway Only adds 10¢ per transaction plus a 10¢ daily batch fee on top of your own merchant account's rate. eChecks cost 0.75%.
Enter your numbers above; results update as you type. Sales tax collected from the buyer is not included unless the platform charges a fee on it and the calculator has a tax field.
Authorize.net fees at a glance
| Fee | Rate | Applies to |
|---|---|---|
| All-in-One processing fee | 2.9% + $0.30 | transaction amount; How you use Authorize.net: All-in-One (merchant account + gateway). 2.9% + 30¢ per transaction, subject to eligibility. |
| Gateway per-transaction fee | $0.10 | per order; How you use Authorize.net: Payment Gateway Only (your own merchant account). 10¢ per transaction. Your merchant account's own processing rate is charged separately and not included. |
| eCheck processing fee | 0.75% | transaction amount; How you use Authorize.net: eCheck (ACH) through the gateway. 0.75% per eCheck transaction; $10 monthly minimum not modeled. |
| Monthly gateway fee (per-transaction share) | $25.00 per month | per month. $25 per month, divided by your transactions per month. |
| Daily batch fee (per-transaction share) | $0.10 × Days per month you settle a batch per month | per month; How you use Authorize.net: Payment Gateway Only (your own merchant account), eCheck (ACH) through the gateway. 10¢ per batch day on gateway plans, divided by your transactions per month. |
Worked example
On All-in-One, a $100 card payment costs 2.9% ($2.90) plus 30¢, or $3.20. The $25 monthly fee spread over 100 transactions adds 25¢, so the total is $3.45 and you keep $96.55. After the $40 the goods cost you, profit is $56.55.
How Authorize.net fees work
Authorize.net is one of the oldest payment gateways in the US and is still the default choice for businesses that run a traditional merchant account, a virtual terminal or an older shopping cart. Visa owns it. The pricing is simple, but it works differently from Stripe or Square because it is split into two options.
The All-in-One option bundles a merchant account with the gateway: $25 a month plus 2.9% + 30¢ per transaction. The Payment Gateway Only option is for businesses that already have a merchant account with a bank or processor: $25 a month, 10¢ per transaction and a 10¢ daily batch fee, on top of whatever your own processor charges. eCheck (ACH) processing through the gateway costs 0.75% per transaction with a $10 monthly minimum.
There are no setup fees, no contracts and no early termination fees, and the credit-card chargeback fee is $0.00 (eCheck chargebacks are $25). Because the $25 is monthly, the per-order share depends on your volume: 100 transactions a month adds 25¢ each; 20 transactions adds $1.25 each. Enter your monthly transaction count and this calculator spreads the fee for you.
- All-in-One: $25 per month plus 2.9% + 30¢ per card transaction, subject to eligibility. On $100 that is $3.20 plus your share of the monthly fee.
- Payment Gateway Only: $25 per month, 10¢ per transaction and a 10¢ daily batch fee. Your own merchant account's processing rate is billed separately and is not included in this calculator.
- eCheck (ACH): 0.75% per eCheck transaction with a $10 monthly minimum, available on the gateway plans.
- Monthly gateway fee: $25 on every option. Divided by 100 transactions it adds 25¢ per transaction; at 20 transactions it is $1.25 each.
- Chargebacks: $0.00 for credit cards, $25.00 for eChecks. Account Updater costs 25¢ per updated card.
- Advanced Fraud Detection Suite and Customer Information Manager (card vaulting) are included at $0 monthly. No setup fee, no contract, no early termination fee.
Ways to keep more of each Authorize.net sale
- If you already have a competitive merchant account, use Gateway Only: 10¢ a transaction plus 10¢ a batch day is cheap for card-present or B2B businesses with large tickets.
- If you are starting fresh with modest volume, All-in-One at 2.9% + 30¢ is on par with Stripe, but only after the $25 monthly fee is spread over enough orders. Under about 50 transactions a month it adds 50¢ or more to each sale.
- Settle batches only on days you have sales; the 10¢ batch fee is charged per day a batch is submitted.
- Take large invoices by eCheck at 0.75%: a $2,000 payment costs $15 instead of $58.30 by card on All-in-One.
- Use Customer Information Manager for repeat billing. It is included free and avoids re-keying cards.
Authorize.net fee FAQ
How much does Authorize.net cost per month?
$25 a month on both the All-in-One and Payment Gateway Only options.
What is the Authorize.net transaction fee?
2.9% + 30¢ on All-in-One, or 10¢ per transaction plus a 10¢ daily batch fee on Gateway Only, where your merchant account bills its own rate on top.
How much does Authorize.net take from $100?
$3.20 on All-in-One, plus your share of the $25 monthly fee (25¢ at 100 transactions a month). On Gateway Only it is 10¢ plus your own processor's fee.
Does Authorize.net charge a setup fee or require a contract?
No. The pricing page lists no setup fee, no contract and no early termination fee.
Does Authorize.net charge for chargebacks?
Not for credit cards ($0.00). eCheck chargebacks cost $25.00.
What is the Authorize.net eCheck fee?
0.75% per eCheck transaction, with a $10 monthly minimum.
Good to know
Sources
- Authorize.net Pricing (accessed Sep 29, 2026)
Rates are read from the pages above and re-checked on a schedule. If you find a rate that has changed, tell us and we'll fix it.