Apple Pay vs. Authorize.net

Overview
ProductRatingMost Used ByProduct SummaryStarting Price
Apple Pay
Score 9.1 out of 10
N/A
Apple Pay is a payment gateway the vendor states gives customers an easy, secure, and private way to pay in stores, within apps, on the web, and in Business Chat.N/A
Authorize.net
Score 8.2 out of 10
N/A
Authorize.net is a payment gateway software solution offered by Visa featuring secure data processing and fraud protection.
$25
monthly gateway
Pricing
Apple PayAuthorize.net
Editions & Modules
No answers on this topic
All-in-One Option
25 & 2.9% + $0.30
monthly gateway/per transaction
Payment Gateway Only
$25
monthly gateway
Offerings
Pricing Offerings
Apple PayAuthorize.net
Free Trial
NoNo
Free/Freemium Version
NoNo
Premium Consulting/Integration Services
NoNo
Entry-level Setup FeeNo setup feeNo setup fee
Additional Details
More Pricing Information
Best Alternatives
Apple PayAuthorize.net
Small Businesses
Thryv
Thryv
Score 8.8 out of 10
Apple Pay
Apple Pay
Score 9.1 out of 10
Medium-sized Companies
Adyen
Adyen
Score 8.8 out of 10
Apple Pay
Apple Pay
Score 9.1 out of 10
Enterprises
Adyen
Adyen
Score 8.8 out of 10
Adyen
Adyen
Score 8.8 out of 10
All AlternativesView all alternativesView all alternatives
User Ratings
Apple PayAuthorize.net
Likelihood to Recommend
9.3
(18 ratings)
8.3
(31 ratings)
Likelihood to Renew
7.3
(1 ratings)
9.1
(2 ratings)
Usability
10.0
(1 ratings)
-
(0 ratings)
Support Rating
-
(0 ratings)
5.0
(1 ratings)
User Testimonials
Apple PayAuthorize.net
Likelihood to Recommend
Apple
I use it not only at stores in person but also online. It's so easy to use. I've been a victim of identity theft before and I just feel safer using it online than entering my individual credit card info every time. Plus I get cashback on purchases!
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Visa
Authorize.net is reliable and I feel confident that customers' information is protected. The security protocols used by Authorize.net appear to be as good, and probably better than many credit card payment processors. However, the initial setup process was very difficult. I distinctly recall getting up and running as being very cumbersome and time-consuming. I also was disappointed with how the processing and deposit of payments were not consistent. I distinctly remember regretting the decision to go with Authorize.net. However, as mentioned before, with the time and effort required to get the account set up and running, I refused to go through the process again and try a different provider.
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Pros
Apple
  • Apple Pay is extremely easy to access because you can access it whether you've unlocked your phone or locked it.
  • Apple Pay does a great job listing historic transactions.
  • Apple Pay easily allows users to add or remove different credit cards.
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Visa
  • Very smooth workflow to authorizing, capturing, voiding, and refunding charges. This can all be done via API calls, or through their online dashboard.
  • Their AVS settings for validating credit cards are substantial and have been reliable in ensuring that our customers cards are being used safely and properly.
  • Their uptime and response times are very good in general. The only issues we ever have communicating with their services is when our connection quality is compromised.
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Cons
Apple
  • The ability for other integrations to still have their restricting permissions to be used. As an example, I can't use Apple Pay and still choose when I want my delivery because it's not in Apple Pay's coding to allow outside restrictions.
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Visa
  • The lack of data portability is a big issue for me.
  • Authorize.net uses the same $49.00 gateway setup fee to scam merchants out of money, which is no better than any of the other gateways out there.
  • Their customer service is not up to the mark. You can get stuck if you need any help from their end.
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Likelihood to Renew
Apple
It's now a standard.
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Visa
Authorize.net has been a useful system for our Chamber. We appreciate the ease of use and access to our Main Frame. Connecting Authorize.net to our system for membership, event and other payment ease has been excellent and we have experienced no problems whatsoever.
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Usability
Apple
Extremely effective and easy to use.
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Visa
No answers on this topic
Support Rating
Apple
No answers on this topic
Visa
I have no experience directly with the support offered by Authorize.Net.
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Alternatives Considered
Apple
Our choice to use Apple Pay was made because of the fast and easy access to funds, it is largely accepted by most vendors and it is a knowingly secure platform for transactions. Making it a trusted and effective resource for our company to utilize. We also found the setup to be more user-friendly.
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Visa
Authorize.net is a reliable and affordable payment processing service that offers more robust security than other services, such as Stripe or PayPal with their monthly fees at $25 dollars month lot of people may be turned off by these high prices but you get what you pay for - protection against fraud in risky transactions so I would recommend using Authorize.net if this matters to your business!
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Return on Investment
Apple
  • less time spent entering credit card numbers online
  • it has great security features
  • it's portable, since it's built in to my phone
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Visa
  • Lets us charge cards so we can get paid on time, every time.
  • It was very difficult to setup the DocuSign integration the first time, but after we got it setup, it's made the onboarding process very easy. That probably saves about 30 minutes every time we get a new client.
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ScreenShots