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authorize.net vs Plaid Comparison (2026)
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Good recommendations?
authorize.net
4.5
(220)5
135
4
64
3
13
2
3
1
5
Based on GetApp‘s extensive, proprietary database of in-depth, verified user reviews
Plaid
4.4
(109)5
70
4
24
3
9
2
1
1
5
Based on GetApp‘s extensive, proprietary database of in-depth, verified user reviews
Overview
authorize.net supports payment processing by helping businesses accept credit card and eCheck payments online, in person, via mobile devices, and more. The product offers a range of features, including online payments, mobile point of sale, virtual point of sale, phone payments, eCheck payments, digital invoicing, and fraud protection. It provides account updater and recurring payments capabilities to help businesses manage payments.
Plaid is a technology platform which allows users to create connections between applications and bank accounts to authenticate accounts, check balances in real time, verify identities, validate income, pull transaction data, and verify borrower assets
- 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
User reviews
4.5
220
5
4
3
2
1
135
64
13
3
5
- Value for money
- Ease of use
- Features
- Customer support
73%
would recommend this app4.4
109
5
4
3
2
1
70
24
9
1
5
- Value for money
- Ease of use
- Features
- Customer support
72%
would recommend this appPros
“Authorise.net is so powerful that even their resellers built top class payment solutions for end users like me who have clients that want to use authorise.net to access USA payments.”
Babatunde O.
SEO Marketer
“The monthly gateway charges are accumulated within a short period even in months when our transaction volume is low.”
JP
John P.
Transport Broker
“we eventually left the platform and was left with our pre existing handling solutions that do cost more.”
MG
Matt G.
Business Operations Manager
Pros
“It’s a very useful platform for connecting financial data and powering apps like payments, budgeting, and investing tools.”
Arunmurugan S.
IT Project Manager
“I like how secure my accounts feel when using plaid to connect my bank accounts to the site that is using plaid.”
Tazla R.
Owner
“That it doesn’t support all bank account types, such as Cashapp and it is a commonly used banking system.”
CW
Charise W.
Dsp
Cons
“The interface feels outdated, and some features aren’t as user-friendly as they could be.”
AP
ALISSA P.
OWNER
“The interface can be a bit outdated at times and requested system updates are not as quick as we would like.”
DS
Dru S.
Property Success Parntner
“My least favorite things are that the dashboard feels clunky and not intuitive.”
RP
Ryan P.
Graphic Designer
Cons
“Sometimes the platform does not work or connect bank accounts correctly.”
AF
Adashia F.
Owner
“Some smaller banks or credit unions aren’t supported, and sometimes you have to reconnect accounts if the link breaks.”
Dallas B.
Scientist I
“No one from support has contacted me.”
RJ
Rhonda J.
medical administrative
- Vendor responds to reviews
- Last review3 months ago
- Vendor responds to reviews
- Last review10 days ago
Key features
- Total features125
- ACH Payment Processing
- AML Compliance
- API
- Access Controls/Permissions
- Access Management
- Accounting
- Accounting Integration
- Accounts Receivable
- Activity Dashboard
- Activity Monitoring
- Activity Tracking
- Ad hoc Reporting
- Address Validation
- Age Verification
- Alerts/Escalation
- Alerts/Notifications
- Anomaly Detection
- Applicant Tracking
- Audit Management
- Authentication
- Auto Loans
- Automated Decisioning/Underwriting
- Automatic Billing
- Automatic Funds Distribution
- Background Screening
- Bank Reconciliation
- Behavior Tracking
- Behavioral Analytics
- Billing & Invoicing
- Billing Portal
- Billing Rate Management
- Biometrics
- Borrower Management
- Budgeting/Forecasting
- Business Loans
- CRM
- Candidate Profiles
- Cash Flow Management
- Cash Management
- Chargeback Tracking
- Check Fraud Detection
- Check Processing
- Claims Management
- Claims Scrubbing
- Client Management
- Commercial Properties
- Compliance Management
- Compliance Tracking
- Consent Management
- Contact Database
- Contact Management
- Contingency Billing
- Core Banking
- Credit Card Management
- Credit Card Processing
- Credit Check
- Credit Reporting
- Credit Risk Management
- Criminal History Verification
- Cryptocurrency Processing
- Custom Fraud Rules
- Customer Data Management
- Customer Database
- Customer Experience Management
- Customer Management
- Customizable Invoices
- Customizable Reports
- Customizable Templates
- Dashboard
- Data Import/Export
- Data Management
- Data Security
- Data Synchronization
- Data Verification
- Data Visualization
- Debit/Credit Card Processing
- Debt Management
- Digital Asset Management
- Direct Deposit
- Discount Management
- Document Management
- Dues Management
- Duplicate Detection
- Electronic Funds Transfer
- Electronic Payments
- Electronic Signature
- Enterprise Risk Management
- Expense Tracking
- Fee Management
- Financial Aid Management
- Financial Analysis
- Financial Management
- Financial Reporting
- Financial Risk Reporting
- Financial Transaction Approval
- For Banking
- For Electricity
- For Financial Institutions
- For Higher Education
- For Insurance Industry
- For Internet Service Providers (ISP)
- For Natural Gas
- For Nonprofits
- For Restaurants
- For Retail
- For Schools
- For Telecommunications Industry
- For Trash
- For Water
- For eCommerce
- Fraud Detection
- Fund Accounting
- Geolocation
- Graphical User Interface
- Identity Verification
- In-Person Payments
- Income & Balance Sheet
- Instant Check
- Insurance Eligibility Verification
- Integrated Development Environment
- Internal Fraud Monitoring
- Investment Management
- Investments Tracking
- Invoice Creation
- Invoice History
- Invoice Management
- Invoice Processing
- K-12
- KYC Compliance
- Lending Management
- Lifecycle Management
- Liveness Detection
- Loan Management
- Loan Origination
- Loan Portfolio Management
- Loan Processing
- Loan Servicing
- Loyalty Program
- Maintenance Management
- Metered Billing
- Mobile Access
- Mobile Card Reader
- Mobile Commerce
- Mobile Payments
- Monitoring
- Mortgages
- Multi-Factor Authentication
- Multi-Location
- Multi-Period Recurring Billing
- Multi-Store
- Multiple Authentication Methods
- Multiple Payment Options
- Non-Metered Billing
- Onboarding
- Online Applications
- Online Banking
- Online Invoicing
- Online Ordering
- Online Payments
- Online Wallets
- Optical Character Recognition
- Ordering Automation
- Outsource Processing
- P2P Payments
- PEP Screening
- Partial Payments
- Payment Collection
- Payment Fraud Prevention
- Payment Gateway Integration
- Payment Options
- Payment Processing
- Payment Tracking
- Payroll Management
- Payroll Reporting
- Performance Management
- Performance Metrics
- Point of Sale (POS)
- Point of Sale (POS) Integration
- Portfolio Analysis
- Pre-Qualification
- Profit/Loss Statement
- Projections
- Promotions Management
- Property Database
- Purchasing & Receiving
- 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
- Rent Tracking
- Reporting & Statistics
- Reporting/Analytics
- Restaurant POS
- Retail Banking
- Retail POS
- Returns Management
- Revenue Management
- Risk Alerts
- Risk Analysis
- Risk Assessment
- Risk Management
- Risk Reporting
- Risk Scoring
- SSL Security
- Sales Reports
- Sales Tax Management
- Search/Filter
- Secure Data Storage
- Self Service Portal
- Self-Service Reporting
- Separate Checks
- Split Checks
- Status Tracking
- Stock Management
- Student Loans
- Subscription Management
- Subscription Plan Management
- Tax Compliance
- Tenant Screening
- Third-Party Integration
- Third-Party Integrations
- Transaction History
- Transaction Monitoring
- Tuition Management
- User Onboarding
- Watch List
- Web/Mobile App Development
- Work Order Management
- eCommerce Management
- Total features147
- ACH Payment Processing
- AML Compliance
- API
- Access Controls/Permissions
- Access Management
- Accounting
- Accounting Integration
- Accounts Receivable
- Activity Dashboard
- Activity Monitoring
- Activity Tracking
- Ad hoc Reporting
- Address Validation
- Age Verification
- Alerts/Escalation
- Alerts/Notifications
- Anomaly Detection
- Applicant Tracking
- Audit Management
- Authentication
- Auto Loans
- Automated Decisioning/Underwriting
- Automatic Billing
- Automatic Funds Distribution
- Background Screening
- Bank Reconciliation
- Behavior Tracking
- Behavioral Analytics
- Billing & Invoicing
- Billing Portal
- Billing Rate Management
- Biometrics
- Borrower Management
- Budgeting/Forecasting
- Business Loans
- CRM
- Candidate Profiles
- Cash Flow Management
- Cash Management
- Chargeback Tracking
- Check Fraud Detection
- Check Processing
- Claims Management
- Claims Scrubbing
- Client Management
- Commercial Properties
- Compliance Management
- Compliance Tracking
- Consent Management
- Contact Database
- Contact Management
- Contingency Billing
- Core Banking
- Credit Card Management
- Credit Card Processing
- Credit Check
- Credit Reporting
- Credit Risk Management
- Criminal History Verification
- Cryptocurrency Processing
- Custom Fraud Rules
- Customer Data Management
- Customer Database
- Customer Experience Management
- Customer Management
- Customizable Invoices
- Customizable Reports
- Customizable Templates
- Dashboard
- Data Import/Export
- Data Management
- Data Security
- Data Synchronization
- Data Verification
- Data Visualization
- Debit/Credit Card Processing
- Debt Management
- Digital Asset Management
- Direct Deposit
- Discount Management
- Document Management
- Dues Management
- Duplicate Detection
- Electronic Funds Transfer
- Electronic Payments
- Electronic Signature
- Enterprise Risk Management
- Expense Tracking
- Fee Management
- Financial Aid Management
- Financial Analysis
- Financial Management
- Financial Reporting
- Financial Risk Reporting
- Financial Transaction Approval
- For Banking
- For Electricity
- For Financial Institutions
- For Higher Education
- For Insurance Industry
- For Internet Service Providers (ISP)
- For Natural Gas
- For Nonprofits
- For Restaurants
- For Retail
- For Schools
- For Telecommunications Industry
- For Trash
- For Water
- For eCommerce
- Fraud Detection
- Fund Accounting
- Geolocation
- Graphical User Interface
- Identity Verification
- In-Person Payments
- Income & Balance Sheet
- Instant Check
- Insurance Eligibility Verification
- Integrated Development Environment
- Internal Fraud Monitoring
- Investment Management
- Investments Tracking
- Invoice Creation
- Invoice History
- Invoice Management
- Invoice Processing
- K-12
- KYC Compliance
- Lending Management
- Lifecycle Management
- Liveness Detection
- Loan Management
- Loan Origination
- Loan Portfolio Management
- Loan Processing
- Loan Servicing
- Loyalty Program
- Maintenance Management
- Metered Billing
- Mobile Access
- Mobile Card Reader
- Mobile Commerce
- Mobile Payments
- Monitoring
- Mortgages
- Multi-Factor Authentication
- Multi-Location
- Multi-Period Recurring Billing
- Multi-Store
- Multiple Authentication Methods
- Multiple Payment Options
- Non-Metered Billing
- Onboarding
- Online Applications
- Online Banking
- Online Invoicing
- Online Ordering
- Online Payments
- Online Wallets
- Optical Character Recognition
- Ordering Automation
- Outsource Processing
- P2P Payments
- PEP Screening
- Partial Payments
- Payment Collection
- Payment Fraud Prevention
- Payment Gateway Integration
- Payment Options
- Payment Processing
- Payment Tracking
- Payroll Management
- Payroll Reporting
- Performance Management
- Performance Metrics
- Point of Sale (POS)
- Point of Sale (POS) Integration
- Portfolio Analysis
- Pre-Qualification
- Profit/Loss Statement
- Projections
- Promotions Management
- Property Database
- Purchasing & Receiving
- 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
- Rent Tracking
- Reporting & Statistics
- Reporting/Analytics
- Restaurant POS
- Retail Banking
- Retail POS
- Returns Management
- Revenue Management
- Risk Alerts
- Risk Analysis
- Risk Assessment
- Risk Management
- Risk Reporting
- Risk Scoring
- SSL Security
- Sales Reports
- Sales Tax Management
- Search/Filter
- Secure Data Storage
- Self Service Portal
- Self-Service Reporting
- Separate Checks
- Split Checks
- Status Tracking
- Stock Management
- Student Loans
- Subscription Management
- Subscription Plan Management
- Tax Compliance
- Tenant Screening
- Third-Party Integration
- Third-Party Integrations
- Transaction History
- Transaction Monitoring
- Tuition Management
- User Onboarding
- Watch List
- Web/Mobile App Development
- Work Order Management
- eCommerce Management
Integrations
- Total integrations6
- Adobe Commerce
- Adyen
- Airwallex
- Alloy
- Alpaca
- BigCommerce
- Checkbook
- Codat
- Dwolla
- Finix
- Gusto
- Jotform
- MeridianLink Opening
- Miva
- Ocrolus
- PayPal
- Recurly
- Riskified
- Roll by ADP
- Stripe
- TrueNorth
- Turnkey Lender
- VGS
- Vesta
- VoPay
- Total integrations19
- Adobe Commerce
- Adyen
- Airwallex
- Alloy
- Alpaca
- BigCommerce
- Checkbook
- Codat
- Dwolla
- Finix
- Gusto
- Jotform
- MeridianLink Opening
- Miva
- Ocrolus
- PayPal
- Recurly
- Riskified
- Roll by ADP
- Stripe
- TrueNorth
- Turnkey Lender
- VGS
- Vesta
- VoPay
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