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Authorize.net
By Authorize.net (Visa)
Authorize.net, Visa's online payment gateway. The All-in-one plan includes a merchant account at $25 a month plus 2.9% + 30¢ per online or keyed-in transaction (it publishes no in-person rate); the Gateway only plan ($25 a month plus 10¢ per transaction) connects to a merchant account you already have. Listed with the same template, not scored.
RTC Score: Not scored
Pros
- Publishes its fee table: $25 a month and, on the All-in-one plan, 2.9% + 30¢ per online or keyed-in transaction; its pricing page lists no setup, PCI, statement or batch fee.
- The gateway is month-to-month with no early termination fee, and its agreement gives prior notice of fee changes.
- 24/7 support by phone, chat or support case (closed on major holidays).
Cons
- Built for online and phone payments: it publishes no in-person rate, and in person it relies on a mobile app or a Windows Virtual Point of Sale with a card reader, not a restaurant POS.
- The flat 2.9% + 30¢ online applies to every card, debit included, and there's no dual pricing or surcharge program.
- Deposits usually take 2 to 3 business days after the daily batch.
- Initial term
- Month to month