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authorize.net vs Stripe 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,...

Stripe is an online payment processing tool for internet businesses. Stripe handles everything, including storing cards,...

  • 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

0.30

  • 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

4.6

3K

5

4

3

2

1

2.3K

577

101

21

74

  • Value for money
  • Ease of use
  • Features
  • Customer support
95%
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

They have great features and the Capital option is totally awesome. I wouldn't trade them for the world.
Stripe is a great tool and platform, very easy to use easy to setup and secure that clients can trust with their accounts.
I think Stripe is great payment gateway for any eCommerce business. They have great rates and I find them better than other payment processors.

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

They refunded customers 3 months after the purchase without me knowing and they already have their items. My customers are also upset with this disgusting company.
Fees for same country payments are too high and once funds have been taken they are then held for 14 days. Appalling customer service who basically said too bad.
They verified it was a scammer, refunded the stolen credit card, did not charge me fees and contacted the US internet fraud division with the information.
  • Vendor responds to reviews
  • Last review20 days ago
  • Vendor responds to reviews
  • Last review7 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
  • Alerts/Escalation
  • Alerts/Notifications
  • Anomaly Detection
  • Automatic Billing
  • Billing & Invoicing
  • Billing Portal
  • Billing Rate Management
  • Chargeback Tracking
  • Check Fraud Detection
  • Check Processing
  • Commission Management
  • Compliance Management
  • Contact Database
  • Contact Management
  • Contingency Billing
  • Credit Card Management
  • Credit Card Processing
  • Cryptocurrency Processing
  • Custom Fraud Rules
  • Customer Accounts
  • Customer Database
  • Customer Management
  • Customizable Branding
  • Customizable Reports
  • Customizable Templates
  • Data Import/Export
  • Data Security
  • Debit/Credit Card Processing
  • Discount Management
  • Electronic Payments
  • Electronic Signature
  • Fee Management
  • Financial Aid Management
  • For Banking
  • For Electricity
  • For Financial Institutions
  • For Nonprofits
  • For Retail
  • For Schools
  • For Water
  • For eCommerce
  • Fraud Detection
  • Fund Accounting
  • Gift Card Management
  • In-Person Payments
  • Internal Fraud Monitoring
  • Invoice Creation
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • K-12
  • Loyalty Program
  • 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
  • Ordering Automation
  • PCI Compliance
  • POS Integration
  • Partial Payments
  • Payment Collection
  • Payment Fraud Prevention
  • Payment Options
  • Payment Processing
  • Payment Processing Services Integration
  • Payment Tracking
  • Point of Sale (POS)
  • Predictive Analytics
  • 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 Scoring
  • SSL Security
  • Sales Reports
  • Search/Filter
  • Self Service Portal
  • Subscription Management
  • Subscription Plan Management
  • Third-Party Integrations
  • Transaction History
  • Transaction Management
  • Transaction Monitoring
  • Tuition Management
  • Work Order Management
  • eCommerce Management
  • Total features34
  • ACH Payment Processing
  • AI/Machine Learning
  • API
  • Access Controls/Permissions
  • Accounting
  • Accounting Integration
  • Accounts Receivable
  • Activity Dashboard
  • Activity Monitoring
  • Activity Tracking
  • Alerts/Escalation
  • Alerts/Notifications
  • Anomaly Detection
  • Automatic Billing
  • Billing & Invoicing
  • Billing Portal
  • Billing Rate Management
  • Chargeback Tracking
  • Check Fraud Detection
  • Check Processing
  • Commission Management
  • Compliance Management
  • Contact Database
  • Contact Management
  • Contingency Billing
  • Credit Card Management
  • Credit Card Processing
  • Cryptocurrency Processing
  • Custom Fraud Rules
  • Customer Accounts
  • Customer Database
  • Customer Management
  • Customizable Branding
  • Customizable Reports
  • Customizable Templates
  • Data Import/Export
  • Data Security
  • Debit/Credit Card Processing
  • Discount Management
  • Electronic Payments
  • Electronic Signature
  • Fee Management
  • Financial Aid Management
  • For Banking
  • For Electricity
  • For Financial Institutions
  • For Nonprofits
  • For Retail
  • For Schools
  • For Water
  • For eCommerce
  • Fraud Detection
  • Fund Accounting
  • Gift Card Management
  • In-Person Payments
  • Internal Fraud Monitoring
  • Invoice Creation
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • K-12
  • Loyalty Program
  • 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
  • Ordering Automation
  • PCI Compliance
  • POS Integration
  • Partial Payments
  • Payment Collection
  • Payment Fraud Prevention
  • Payment Options
  • Payment Processing
  • Payment Processing Services Integration
  • Payment Tracking
  • Point of Sale (POS)
  • Predictive Analytics
  • 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 Scoring
  • SSL Security
  • Sales Reports
  • Search/Filter
  • Self Service Portal
  • Subscription Management
  • Subscription Plan Management
  • Third-Party Integrations
  • Transaction History
  • Transaction Management
  • 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 integrations2137
  • 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

MD
AvatarImg

Margaret D.

Executive Office, 11-50 employees

Used weekly for 2+ years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend2/10

Share this review:

authorize.net logo

authorize.net

There are better options

Reviewed 3 years ago

I dont like it as well as stripe, which we also use.

Pros

Timely processing and payment deposits. I also like that i can run a transaction manually very easily. It is also very easy to process refunds.

Cons

The challenge I always have with this software is that it is impossible to reconcile deposits to charges. There is not one good report that shows how fees are calculated.

AvatarImg
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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.

CG
AvatarImg

Cihangir G.

Transportation/Trucking/Railroad, 11-50 employees

Used daily for less than 6 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support

Share this review:

authorize.net logo

authorize.net

Warning ( Dont do this mistake )

Reviewed 4 years ago

Zero support

Pros

I changed to stripe kept away from this company also they check your credit report

Cons

its garbage software i closed after 6 months they send collection for 50 $ they did even call me or email me just collection

JK
AvatarImg

Joe K.

Retail, 1-10 employees

Used daily for 2+ years

Review source

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

Share this review:

authorize.net logo

authorize.net

A Bit Dated, But Functional

Reviewed 3 years ago

Overall, positive experience. Had one day where the servers went down and were unable to take payment for a couple hours. Other than that, zero outages or complaints.

Pros

We've had very little problems with fraudulent payment attempts. Security settings are quite customizable and ease of setup is good.

Cons

The interface is a little outdated. Other processors like Square and Stripe feel more sleek and modern, more navigable.

AvatarImg
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Bryan M.

Design,

Used daily for 2+ years

Review source

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

Share this review:

authorize.net logo

authorize.net

The payment gateway we've preferred for ecommerce development projects

Reviewed 6 years ago

Reliable and trusted payment processing

Pros

Authorize.net is the standard in payment processing. For a complex and established ecommerce website, Authorize.net will offer the features needed and provides a trusted payment solution. Processing fees will be lower than competition like Stripe which larger volume businesses will benefit from.

Cons

The interface, lack of reporting, and complexity in setup is an issue for us in 2018 when options like Stripe can be setup and running in a few hours vs days with Authorize.net

AR
AvatarImg

Verified reviewer

Used other for less than 6 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support

Share this review:

authorize.net logo

authorize.net

Stay FAAAAR away!

Reviewed 6 years ago

No benefits, only problems.

Pros

They're dated and they don't play fair, and that's why disruptive companies like Stripe and Square are making Authorize.net fall out of the public eye. I wish I could share something positive here so you don't just mistake this review for someone who had a bad experience. However, I'm unable to find even one thing to state here. They don't even let you keep the funds you receive from customers. If you choose to go with Authorize.net, just be VERY careful. (Whatever that means.)

Cons

If they play that game with you, call your bank and issue a chargeback on them. Don't concede to this company or they'll just keep taking advantage of you.

JD
AvatarImg

Jeremy D.

Internet, self-employed

Used monthly for 2+ years

Review source

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

Share this review:

Stripe logo

Stripe

Stripe payments-- great for e-commerce, options for mobile POS.

Reviewed 2 years ago

I have used stripe personally for my company credit card processing, and set it up for several other e-commerce clients. Overall, it's easy to use and works great.

Pros

Setup is simple. Pricing is fair. Works well with other software. API is great. Better than Authorize.net!

Cons

Mobile Payments - these require 3rd party apps, with or without a card reader. Most, if not all, of these apps charge a small percentage fee on every transaction.

AR
AvatarImg

Alexa R.

Textiles, 51-200 employees

Used daily for less than 6 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend7/10

Share this review:

Stripe logo

Stripe

Easy to Use

Reviewed 3 years ago

Captures money quick and easy. We used to use Authorize.net but you have to go in and capture money there. This settles right away.

Pros

It is easy for our customer service team to use. They can login and refund customers when needed. Each have their own login that connects to our web sales. Easy interface.

Cons

It does not connect to our inventory management system, JD Edwards. We are still lacking , so once we implement API, this may connect. Make sure you have an API connection

SG
AvatarImg

Stan G.

Wireless, 11-50 employees

Used weekly for 1-2 years

Review source

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

Share this review:

Stripe logo

Stripe

Stripe is easy to setup on the websites for transactions

Reviewed 5 years ago

Good payment gateway for online transactions. Provides great level of security and keeps the money secure.

Pros

Stripe is very easy to setup in comparison to Paypal, Authorize.NET. Helps making payment using any credit card. Provides great interface and easy to use UI.

Cons

No issues with the Stripe payment gateway. very easy to setup and use for transactions. Can be easily embedded in any website.

AR
AvatarImg

Verified reviewer

Individual & Family Services, 51-200 employees

Used monthly for 1-2 years

Review source

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

Share this review:

Stripe logo

Stripe

Good for limited volumes

Reviewed 5 years ago

Good for lower volumes but does not make financial sense when you scale.

Pros

Stripe is easy to use and has great customization features. There are virtually no limitations in terms of payment processing and it is even easy to accept international transactions.

Cons

When you achieve a higher volume you can get much better rates with traditional payment processors, which is why we are transitioning to Authorize.net.

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Jose C.

Design, 11-50 employees

Used other for 6-12 months

Review source

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

Share this review:

Stripe logo

Stripe

Stripe Is The Best Preferred Method

Reviewed 5 years ago
Pros

I've used everything from Paypal to Authorize.net to Stripe. I really like stripes ease of use, apps, and features. Not to mention their design is really elegant.

Cons

I wish the rates were a bit more affordable or based off of volume.

JK
AvatarImg

Joe K.

Marketing and Advertising, 1-10 employees

Used weekly for 2+ years

Review source

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

Share this review:

Stripe logo

Stripe

Easiest Payment Processing for WooCommerce

Reviewed 5 years ago

Overall, I haven't had any issues with Stripe.

Pros

Extremely easy to set up with WooCommerce. I've tried a few different payment processing solutions and Stripe was by far the easiest. Also free to set up and connect, unlike others like Authorize.net.

Cons

3.5% for American Express transactions is a little high / annoying. But it's just a minor con from the eyes of the seller.

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Erik W.

Nonprofit Organization Management, 1-10 employees

Used daily for 2+ years

Review source

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

Share this review:

Stripe logo

Stripe

Best payment processor out there

Reviewed 2 years ago

We use Stripe for online payments, for our online learning courses, memberships and also event registrations. It works flawlessly in all of these scenarios.

Pros

Stripe is dead easy to use. It is intuitive, full of features, and just makes sense. We had used Paypal and Authorize.net previously and Authorize was way too expensive and Paypal just wasn't professional.

Cons

Honestly, there is nothing i don't like about it. I am very satisfied with every feature.

EJ
AvatarImg

Elyse J.

Marketing and Advertising, 51-200 employees

Used daily for 6-12 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend7/10

Share this review:

Stripe logo

Stripe

Payment Processing for Software Devs

Reviewed 3 years ago

Our implementation and transition to Stripe was not seamless, but could have been far worse. Generally, we are pleased with the service and believe it will scale well for our needs

Pros

After using authorize.net for a long time, we made the decision as an agency to transition to Stripe for payment processing. Stripe has a far better reputation, greater transaction success, more information on payment status and issues and better up-time as compared to others.

Cons

Customer service can be slow to respond, using their help desk is not consistent and we do not have a single point of contact to troubleshoot issues. Overall the ease of implementation and general strength of the processing software outweighs the inconvenience of seeking help

AR
AvatarImg

Verified reviewer

Used other for less than 6 months

Review source

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

Share this review:

Stripe logo

Stripe

Stripe protects you and your customers.

Reviewed 6 years ago

So far so good with Stripe!

Pros

I've spent hours researching chargeback protection, and even selected providers for that. Stripe makes it very easy to implement every last suggestion the chargeback protection companies suggest, and even comes with an AI security filter to block transactions based on your business logic. (It's called Radar.) We still have yet to launch our private beta product which integrates with Stripe, so my experience with Stripe is limited. However, the fact that they offer so much security is 95% of the reason why I chose Stripe.

Cons

The thing that makes me nervous about Stripe is that I don't know they handle the chargeback process. Companies such as Authorize.net, will throw away your account after just one chargeback instead of investigating the situation properly for their clients who bring them money. Hopefully Stripe doesn't play those games.

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David S.

Printing, 11-50 employees

Used daily for 1-2 years

Review source

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

Share this review:

Stripe logo

Stripe

Easy, Beautiful, Friendly Payment Gateway

Reviewed 6 years ago
Pros

We have switched all our payment processing over to Stripe, and have helped many of our clients do the same. The pricing is competitive, if not the best on the market. The interface runs laps around leading competitors, and is light-years ahead of Authorize.NET. It integrates seamlessly with a huge selection of web applications as well.

Cons

I really cannot think of any complaints.

AR
AvatarImg

Verified reviewer

Information Technology and Services, 11-50 employees

Used daily for 1-2 years

Review source

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

Share this review:

Stripe logo

Stripe

Stripe rocks. Only wish it would give us additional templates

Reviewed 5 years ago

Stripe is the only merchant tool you need. Add paypal and you've covered almost everything you can possibly need to get your ecommerce site up to speed, and use it to scale rapidly and handle all of it for you.

Pros

Stripe was really created by developers who "get it". They have made it easy to implement and removed the barriers to ecommerce entry that we used to be forced to have to deal with cumbersome companies like authorize.net etc. Their documentation and knowledge base is fantastic. Their support team is pretty good too. If you want a custom solution for your site/software, the only tool to use is Stripe.

Cons

That all being said, the downside is that not everyone can use/implement stripe "out of the box" because their basic interface is sooooo basic that most have to create their own UI. Awesome for customization - truly - but more clumsy for lower level devs or non-tech people. Maybe in the future they can add a few more basic screens - especially in in-site administration management - to get things rolling faster. This isn't a "complaint" per se, rather just a suggestion. Only other suggestion might be to offer more tools to help with subscription management and shopping cart abandonment issues.

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Ryan K.

Events Services, 11-50 employees

Used daily for 1-2 years

Review source

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

Share this review:

Stripe logo

Stripe

Afton Tickets clients love our Stripe integration!

Reviewed 4 years ago

It's been great, so far no issues and a lot of our clients have used the Stripe integration with our Afton Tickets platform.

Pros

Our ticketing clients needed the ability to easily setup their payment processing so that ticket funds flow daily into their account. Our company integrated with Stripe so our clients have this option, and they love it. They can setup a Stripe account in less than 10 minutes and be ready to go.

Cons

Stripe is super easy and quick to set up which is the key reason many of our ticketing clients and event organizers use it with our integration. However, the card processing rates are semi-high. The alternative is for our clients to get an authorize.net account for a better processing rate, but that takes 1-2 weeks and is a little more complicated to get setup. Luckily we provide both options so our clients can choose what they want.

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William F.

Computer & Network Security, 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:

Stripe logo

Stripe

Online Payment Acceptance Made Easy

Reviewed 6 years ago

Stripe has been our main online payment processor for the last three years. There have been very few hiccups or issues. We receive our payments within 48 hours most of the time. Integration is easy, account setup is easy, there are no monthly fees. It is a no-brainer.

Pros

Stripe integrates in to nearly any shopping cart or invoicing system that I have used. If an integration is lacking, the documentation is very clear. In most cases, performing the integrations is completely hands-off and literally only requires your username and password. By managing these integrations with auto-config scripts, it takes the hard work out of getting set up for payments.

Cons

Stripe is super careful about certain types of credit card transactions. If you do any sort of volume, you will likely get a transaction or two flagged by their review team. This usually just requires a little more info and then the transaction clears in a few days. One other major issue is the transaction fees tend to be on the higher end of normal. You can get much better rates through an Authorize.net account, but those carry other monthly fees absent in Stripe's offering.