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authorize.net vs PayPal Comparison

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Overview

Backed by Visa's 99.999% uptime, easily connect payments to every part of your business, including shopping carts, accounting,...

Category Leaders

PayPal Commerce Platform is a comprehensive solution designed to serve your business needs and your customers, whether you’re...

  • Platforms supported
  • Web-based
  • iPhone app
  • Android app
  • Windows Phone app
  • Typical customers
  • Freelancers
  • Small businesses
  • Mid size businesses
  • Large enterprises
  • Customer support
  • Phone
  • Online
  • Knowledge base
  • Video tutorials
  • Platforms supported
  • Web-based
  • iPhone app
  • Android app
  • Windows Phone app
  • Typical customers
  • Freelancers
  • Small businesses
  • Mid size businesses
  • Large enterprises
  • Customer support
  • Phone
  • Online
  • Knowledge base
  • Video tutorials

Video & Screenshots

Pricing

Starting from

25

Per month

  • Free trial available
  • Credit cardless trial
  • Free account
  • Subscription based

Starting from

Free

  • Free trial available
  • Credit cardless trial
  • Free account
  • Subscription based

User reviews

4.5

182

5

4

3

2

1

114

51

9

3

5

  • Value for money
  • Ease of use
  • Features
  • Customer support
93%
would recommend this app

4.7

25K

5

4

3

2

1

18.6K

4.9K

983

186

262

  • Value for money
  • Ease of use
  • Features
  • Customer support
96%
would recommend this app

Pros

One of its best features is how well it integrates with other systems. It's been an industry standard for years and is a safe bet when your payment processor needs to play nice with other programs.
Authorize.net is very user friendly and easy to use. The search functionality is superb, and allows use to locate transactions with ease.
It's quick, amazingly reliable, and super easy to use. I appreciate the time value of this software and love how quickly I can collect card information.

Pros

What I like the most about paypal is, it is easy to use in paying and most of all paypal giving a gift reward in every users.
The Paypal program is very wonderful. The ease in depositing and withdrawing is very distinguished.
Love the ease of use and the ease of implementation/integration within other websites and platforms to capture payment.

Cons

My clients couldn't even ask for a refund. All they could do was dispute the charges that were on hold and if they did that it would hurt my account and my credit.
And I'm not only referencing the issue I had with the transaction limit (where I was obviously frustrated), I have had several communications and about half were less than friendly/helpful.
I would never use Authorize.net again. Any client that I have that uses Authorize.net, I refuse to work with.

Cons

However, people also get blocked by PayPal without any warning and they can freeze and hold the money from that account that makes annoying things to the user.
Also, I do worry about storing my bank account information for a service like PayPal. They might be insured against fraud, but I still worry sometimes that my account information will be stolen.
This becomes a problem when you need money quickly. IPN and PayPal API are unstable, often messing up transactions, especially if they involve limited items and need verification as soon as possible.
  • Vendor responds to reviews
  • Last review7 days ago
  • Vendor responds to reviews
  • Last review6 days ago

Key features

  • Total features117
  • ACH Payment Processing
  • AI/Machine Learning
  • API
  • Access Controls/Permissions
  • Accounting
  • Accounting Integration
  • Accounts Receivable
  • Activity Dashboard
  • Activity Monitoring
  • Activity Tracking
  • Ad hoc Reporting
  • Alerts/Escalation
  • Alerts/Notifications
  • Anomaly Detection
  • Automatic Billing
  • Barcode/Ticket Scanning
  • Billing & Invoicing
  • Billing Portal
  • Billing Rate Management
  • Cash Management
  • Chargeback Tracking
  • Check Fraud Detection
  • Check Processing
  • Commission Management
  • Compliance Management
  • Contact Database
  • Contact Management
  • Contingency Billing
  • Credit Card Management
  • Credit Card Processing
  • Custom Fraud Rules
  • Customer Accounts
  • Customer Database
  • Customer Management
  • Customizable Branding
  • Customizable Dashboard
  • Customizable Invoices
  • Customizable Reports
  • Customizable Templates
  • Data Import/Export
  • Data Management
  • Data Security
  • Data Visualization
  • Debit/Credit Card Processing
  • Deferred Billing
  • Discount Management
  • Electronic Payments
  • Electronic Signature
  • Fee Management
  • Financial Aid Management
  • Financial Analysis
  • Financial Reporting
  • For Banking
  • For Electricity
  • For Financial Institutions
  • For Food Trucks
  • For Nonprofits
  • For Retail
  • For Schools
  • For Small Businesses
  • For Water
  • For eCommerce
  • Fraud Detection
  • Fund Accounting
  • Gift Card Management
  • In-Person Payments
  • Internal Fraud Monitoring
  • Inventory Management
  • Invoice Creation
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • K-12
  • Loyalty Program
  • Marketing Reports
  • Metered Billing
  • Mobile Access
  • Mobile Commerce
  • Mobile Payments
  • Monitoring
  • Multi-Currency
  • Multi-Location
  • Multi-Period Recurring Billing
  • Multi-Store
  • Multiple Payment Options
  • Non-Metered Billing
  • Online Invoicing
  • Online Ordering
  • Online Payments
  • Order Management
  • Ordering Automation
  • PCI Compliance
  • POS Integration
  • Partial Payments
  • Payment Collection
  • Payment Fraud Prevention
  • Payment Options
  • Payment Processing
  • Payment Processing Services Integration
  • Payment Tracking
  • Performance Management
  • Point of Sale (POS)
  • Predictive Analytics
  • Product Catalog
  • Promotions Management
  • Purchasing & Receiving
  • Rate of Return Analysis
  • Real-Time Analytics
  • Real-Time Data
  • Real-Time Monitoring
  • Real-Time Reporting
  • Real-Time Updates
  • Real-time Alerts
  • Receipt Management
  • Recurring Invoicing
  • Recurring/Subscription Billing
  • Refund Management
  • Reporting & Statistics
  • Reporting/Analytics
  • Restaurant POS
  • Retail POS
  • Returns Management
  • Risk Alerts
  • Risk Analysis
  • Risk Management
  • Risk Scoring
  • Role-Based Permissions
  • SSL Security
  • Sales Reports
  • Sales Tax Management
  • Scheduled/Automated Reports
  • Search/Filter
  • Self Service Portal
  • Shipping Management
  • Social Media Integration
  • Subscription Management
  • Subscription Plan Management
  • Third-Party Integrations
  • Transaction History
  • Transaction Monitoring
  • Tuition Management
  • Work Order Management
  • eCommerce Management
  • Total features76
  • ACH Payment Processing
  • AI/Machine Learning
  • API
  • Access Controls/Permissions
  • Accounting
  • Accounting Integration
  • Accounts Receivable
  • Activity Dashboard
  • Activity Monitoring
  • Activity Tracking
  • Ad hoc Reporting
  • Alerts/Escalation
  • Alerts/Notifications
  • Anomaly Detection
  • Automatic Billing
  • Barcode/Ticket Scanning
  • Billing & Invoicing
  • Billing Portal
  • Billing Rate Management
  • Cash Management
  • Chargeback Tracking
  • Check Fraud Detection
  • Check Processing
  • Commission Management
  • Compliance Management
  • Contact Database
  • Contact Management
  • Contingency Billing
  • Credit Card Management
  • Credit Card Processing
  • Custom Fraud Rules
  • Customer Accounts
  • Customer Database
  • Customer Management
  • Customizable Branding
  • Customizable Dashboard
  • Customizable Invoices
  • Customizable Reports
  • Customizable Templates
  • Data Import/Export
  • Data Management
  • Data Security
  • Data Visualization
  • Debit/Credit Card Processing
  • Deferred Billing
  • Discount Management
  • Electronic Payments
  • Electronic Signature
  • Fee Management
  • Financial Aid Management
  • Financial Analysis
  • Financial Reporting
  • For Banking
  • For Electricity
  • For Financial Institutions
  • For Food Trucks
  • For Nonprofits
  • For Retail
  • For Schools
  • For Small Businesses
  • For Water
  • For eCommerce
  • Fraud Detection
  • Fund Accounting
  • Gift Card Management
  • In-Person Payments
  • Internal Fraud Monitoring
  • Inventory Management
  • Invoice Creation
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • K-12
  • Loyalty Program
  • Marketing Reports
  • Metered Billing
  • Mobile Access
  • Mobile Commerce
  • Mobile Payments
  • Monitoring
  • Multi-Currency
  • Multi-Location
  • Multi-Period Recurring Billing
  • Multi-Store
  • Multiple Payment Options
  • Non-Metered Billing
  • Online Invoicing
  • Online Ordering
  • Online Payments
  • Order Management
  • Ordering Automation
  • PCI Compliance
  • POS Integration
  • Partial Payments
  • Payment Collection
  • Payment Fraud Prevention
  • Payment Options
  • Payment Processing
  • Payment Processing Services Integration
  • Payment Tracking
  • Performance Management
  • Point of Sale (POS)
  • Predictive Analytics
  • Product Catalog
  • Promotions Management
  • Purchasing & Receiving
  • Rate of Return Analysis
  • Real-Time Analytics
  • Real-Time Data
  • Real-Time Monitoring
  • Real-Time Reporting
  • Real-Time Updates
  • Real-time Alerts
  • Receipt Management
  • Recurring Invoicing
  • Recurring/Subscription Billing
  • Refund Management
  • Reporting & Statistics
  • Reporting/Analytics
  • Restaurant POS
  • Retail POS
  • Returns Management
  • Risk Alerts
  • Risk Analysis
  • Risk Management
  • Risk Scoring
  • Role-Based Permissions
  • SSL Security
  • Sales Reports
  • Sales Tax Management
  • Scheduled/Automated Reports
  • Search/Filter
  • Self Service Portal
  • Shipping Management
  • Social Media Integration
  • Subscription Management
  • Subscription Plan Management
  • Third-Party Integrations
  • Transaction History
  • Transaction Monitoring
  • Tuition Management
  • Work Order Management
  • eCommerce Management

Integrations

  • Total integrations558
  • AWeber
  • ActiveCampaign
  • Adobe Commerce
  • BigCommerce
  • Google Analytics 360
  • HubSpot CRM
  • Instagram
  • Klaviyo
  • Mailchimp
  • Meta for Business
  • PayPal
  • ShipStation
  • Shopify
  • Slack
  • Stripe
  • Twitter/X
  • WooCommerce
  • WordPress
  • Zapier
  • authorize.net
  • Total integrations1290
  • AWeber
  • ActiveCampaign
  • Adobe Commerce
  • BigCommerce
  • Google Analytics 360
  • HubSpot CRM
  • Instagram
  • Klaviyo
  • Mailchimp
  • Meta for Business
  • PayPal
  • ShipStation
  • Shopify
  • Slack
  • Stripe
  • Twitter/X
  • WooCommerce
  • WordPress
  • Zapier
  • authorize.net

User reviews that mention these apps

AS
AvatarImg

Angelina S.

Arts and Crafts, self-employed

Used monthly for less than 6 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend5/10

Share this review:

authorize.net logo

authorize.net

New Payment Processing

Reviewed 10 months ago

Overall it was a good experience but not a lot of people know of authorize.net. “I will let my customers know.

Pros

I enjoyed not having to pay I price for equipment that I need WiFi for and plug for offsite Events

Cons

I will still use Venmo, PayPal and Square Zelle for my Sales at events.

AR
AvatarImg

Verified reviewer

Computer Software, 1-10 employees

Used daily for 2+ years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend9/10

Share this review:

authorize.net logo

authorize.net

We've relied on Authorize.Net for over 10 years

Reviewed 5 years ago

We've used Authorize.Net with our website shopping cart for over 10 years. Along with that, we've used the virtual terminal for manually keying phone / mail orders. It is easier to use than PayPal Manager.

Pros

Authorize.Net provides good, helpful API documentation. Its web-based virtual terminal is also easy to use.

Cons

I would give their support a grade of B. Fortunately, it is rarely needed. A few years back, there were some rough patches where the service was down or unreliable for brief periods. We have not had reliability problems for the last few years.

AvatarImg
AvatarImg

Jared D.

Computer Software, 11-50 employees

Used other for less than 6 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend4/10

Share this review:

authorize.net logo

authorize.net

Standard Payment Gateway

Reviewed 4 years ago

Authorize is fine as a gateway but not one I would recommend above Stripe for accepting payments. I would recommend it over Paypal, but I still tend to suggest most people consider Stripe.

Pros

Authorize.net is a simple gateway allowing you to process credit card payments and ACH transactions. It's integrated with lots of applications out there, which provides a great amount of flexibility.

Cons

The UI is very dated and overall system is a bit antiquated. I'd much rather use Stripe as a gateway. They also charge a gateway access fee, which Stripe doesn't charge.

GP
AvatarImg

Glencora P.

Education Management, 11-50 employees

Used weekly for 1-2 years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend6/10

Share this review:

authorize.net logo

authorize.net

Authorize.net is good, though data analysis is clunky

Reviewed 5 years ago
Pros

Authorize.net seems like a bare-bones commerce solution software. I am able to make ecommerce possible through buttons, though there are limitations to the design of the button (much like PayPal), and the payment pages are straight-forward. The coding to add to the website is clear, which is helpful.

Cons

I do no like that payments are organized by day and you cannot research payments made according to the category of payment. The data retrieval is not user-friendly, and it means that a lot of time will be spent just researching a customer's payment details.

AvatarImg
AvatarImg

Jay M.

Marketing and Advertising, 1-10 employees

Used daily for less than 6 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend1/10

Share this review:

authorize.net logo

authorize.net

Holds Funds like PayPal Does - Avoid.

Reviewed 5 years ago

I'm not saying that Authorize.net does not work for everybody. But the digital marketer is in particular I would steer clear because it has the same issues that PayPal exhibits were sometimes a hold your funds for no reason and you have to fight to get them. Youre flagged as high risk I was a customer with Authorize.net for about three months and I was approved for ACH bank transfers by their credit...

Pros

It was very easy to set up recurring payments and sync with my webmaster.

Cons

- The UI is extremely outdated and looks like it's from the early 2000s. - Your invoices are not customizable and they look tacky - Navigating around the menu is not user-friendly as finding where you're trying to go and can be difficult - Customer support is not the greatest and sometimes I can't help you with your problems or get back to you in a timely matter

AvatarImg
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Alexa R.

Sports, 51-200 employees

Used daily for 2+ years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend9/10

Share this review:

PayPal logo

PayPal

Great purchasing tool

Reviewed 5 years ago

can now take Paypal payments and venmo payments on our website. makes it easier for customers to checkout with all their info already saved in paypal

Pros

easy to install in Magento for our website; coincides with Authorize.net if people prefer using Paypal. very secure payments; can use paypal funds or credit card when paying.

Cons

charges a ridiculous amount per item purchased. we prefer Authorize.net sometimes because of this. confusing when installing paypal pro vs regular

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tomer d.

Consumer Services, 1-10 employees

Used daily for 6-12 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

Share this review:

PayPal logo

PayPal

my processor since 2004

Reviewed 5 years ago
Pros

We had hundred of thousands of transactions with them, they are really great we had exprience with authorize.net that moved us toward paypal and we are happy we have made this decision!

Cons

I don't like their chargeback system they almost always decide on the customer favor even if it's his fault

AvatarImg
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Jared D.

Computer Software, 11-50 employees

Used monthly for 2+ years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend8/10

Share this review:

PayPal logo

PayPal

Secure, Simple Payment Gateway

Reviewed 4 years ago

In certain applications, you're required to create an account with Paypal in order to make a transaction. With other payment gateways out there like Stripe and Authorize.net, they're completely setup on the backend as a gateway and do not require creating a login of any kind in any scenario.

Pros

PayPal offers a quick, secure and simple way to make payments online. Their UI is very simple to navigate and they integrate with lots of other tools out there making processing payments online seamless.

Cons

At the nonprofit I worked at, we used Paypal and it was challenging to understand how the fees were taken out for transactions. Also, if you didn't process a payout before your total transactions in your account reached a certain level, Paypal would charge you additional fees for an overage.

RG
AvatarImg

Ronald G.

Information Technology and Services, 1-10 employees

Used weekly for 2+ years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

Share this review:

PayPal logo

PayPal

PayPal is the standard... still recommend after 10 years of using.

Reviewed 6 years ago

Overall, great experience with PayPal and that is based on 10+ years of use. A couple years ago and then again last year they made some changes to the Admin pages that took some getting used to... but they were good improvements overall and worth taking a little time to learn some new methods of getting things done. Like most things... it depends on what you need the payment processor to do. If you need to setup up to 10 products and sell them online the PayPal buttons are awesome and something other payment processors don't offer.

Pros

PayPal is a great, low cost payment processor and I use it mainly for online website sales and payment processing. A big advantage of PayPal over others (such as Stripe, Authorize.net, and so forth) is that PayPal provides for creating individual buttons for products sales that have optional fields. This makes adding product sales to a website (for less than say 10 products) super quick and efficient. If you use the "PayPal Payments Standard" account level there is no monthly fee (only the fees per sale). So, if you have website sales some months and not others you only pay when someone orders a product.

Cons

No cons really when used for the right purpose. I always recommend PayPal when a website needs to sell up to 10 products and doesn't have any kind of shopping cart. Also, anytime there are months with no sales and/or sales of less than 20k per year. Then, as long as the PayPal Payments Standard is used, it makes it easy and financially the right choice.