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Authorize.net vs. Paddle vs. Visa Acceptance Solutions (CyberSource)

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    Overview
    ProductRatingMost Used ByProduct SummaryStarting Price

    Authorize.net

    Score8 out of 10
    N/AAuthorize.net is a payment gateway software solution offered by Visa featuring secure data processing and fraud protection.

    $25

    monthly gateway

    Paddle

    Score5.1 out of 10
    N/ALondon-based Paddle offers an ecommerce and subscription management solution for software companies seeking a streamlined demonstration of their services and centralized management of their different service levels and cloud-based offerings.N/A

    Visa Acceptance Solutions (CyberSource)

    Score10 out of 10
    N/ACyberSource, acquired by Visa in 2010 and now part of Visa Acceptance Solutions, is payment technology, and includes offerings with flexible payment solutions that work across the globe.N/A
    Pricing
    Authorize.netPaddleVisa Acceptance Solutions (CyberSource)
    Editions & Modules
    All-in-One Option
    25 & 2.9% + $0.30
    monthly gateway/per transaction
    Payment Gateway Only
    $25
    monthly gateway
    Custom
    custom pricing
    No answers on this topic
    Offerings
    Pricing Offerings
    Authorize.netPaddleVisa Acceptance Solutions (CyberSource)
    Free Trial
    NoNoNo
    Free/Freemium Version
    NoNoNo
    Premium Consulting/Integration Services
    NoNoNo
    Entry-level Setup FeeNo setup feeNo setup feeNo setup fee
    Additional Details———
    More Pricing Information
    Community Pulse
    Authorize.netPaddleVisa Acceptance Solutions (CyberSource)
    Considered Multiple Products
    Visa
    Chose Authorize.net
    Authorize.net in a pure e-commerce environment is a very good choice for small to medium/small e-commerce businesses. It is not a good solution for brick-and-mortar businesses or relatively large e-commerce retailers.
    Incentivized
    Paddle
    No answer on this topic
    Visa
    No answer on this topic
    Key User Insights
    Would buy again
    90%
    Would buy again
    19 Answers
    No answers on this topic
    No answers on this topic
    Delivers good value for the price
    100%
    Delivers good value for the price
    17 Answers
    No answers on this topic
    No answers on this topic
    Happy with the feature set
    95%
    Happy with the feature set
    20 Answers
    No answers on this topic
    No answers on this topic
    Lived up to sales and marketing promises
    93%
    Lived up to sales and marketing promises
    13 Answers
    No answers on this topic
    No answers on this topic
    Implementation went as expected
    89%
    Implementation went as expected
    16 Answers
    No answers on this topic
    No answers on this topic
    Features
    Authorize.netPaddleVisa Acceptance Solutions (CyberSource)
    Payment Gateways
    Comparison of Payment Gateways features of Authorize.net and Paddle and Visa Acceptance Solutions (CyberSource)
    Feature
    Authorize.net
    9.0
    1 Ratings
    19% above category average
    Paddle
    -
    Ratings
    Visa Acceptance Solutions (CyberSource)
    -
    Ratings
    Fraud Detection9.01 Ratings00 Ratings00 Ratings
    API or SDK9.01 Ratings00 Ratings00 Ratings
    Recurring Payment Support9.01 Ratings00 Ratings00 Ratings
    Best Alternatives
    Authorize.netPaddleVisa Acceptance Solutions (CyberSource)
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    Payoneer
    Score8 out of 10
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    Enterprises
    Checkout.com
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    All AlternativesView all alternativesView all alternativesView all alternatives
    User Ratings
    Authorize.netPaddleVisa Acceptance Solutions (CyberSource)
    Likelihood to Recommend
    8.0
    (31 ratings)
    7.1
    (6 ratings)
    6.5
    (8 ratings)
    Likelihood to Renew
    9.1
    (2 ratings)
    -
    (0 ratings)
    -
    (0 ratings)
    Usability
    8.0
    (1 ratings)
    -
    (0 ratings)
    -
    (0 ratings)
    Support Rating
    5.0
    (1 ratings)
    -
    (0 ratings)
    -
    (0 ratings)
    User Testimonials
    Authorize.netPaddleVisa Acceptance Solutions (CyberSource)
    Likelihood to Recommend
    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.
    Incentivized
    Read full review
    Paddle
    I wouldn't recommend them to anybody because their support is getting worse and worse and their business processes require you to contact support whether you want to or not. You will be forced to contact support and then wait for days to get any meaningful response that's not a copy/pasted sentence from FAQ.
    Read full review
    Visa
    For basic users it is probably a good fit. For connecting it's API's are straightforward and most would find it an easy connection to be made. The site overall is just not designed well. When you try to look at transactions a portion of the information is cut of without a scroll bar being added to slide to the fields you would like to see. If you need to see the data on the screen you need to make some adjustments.
    Incentivized
    Read full review
    Pros
    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.
    Incentivized
    Read full review
    Paddle
    • Super easy to implement SDKs across supported platforms that support modern interface paradigms.
    • Real team members that provide backend support for merchant issues. We had issues addressed quickly and taken seriously whenever we needed anything.
    • Help with navigating VAT transparently. We never worried that we were messing up in this complicated area of international sales.
    • Great first line customer support reduces the need for an extensive customer support organization on our end. They dealt with all purchase related issues as well as lightweight technical issues (e.g pointing users to FAQs, update links, etc.).
    Incentivized
    Read full review
    Visa
    • They have built the connections to multiple card providers so that a retailer does not need to build the code for each one separately.
    • The decision manager product catches and stops a lot of fraud from getting through and causing a large number or chargebacks.
    • They also connect to PayPal making it easy to add them to any website as a payment method.
    Incentivized
    Read full review
    Cons
    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.
    Incentivized
    Read full review
    Paddle
    • Analytics could support more flexible analysis of reported data and better custom events.
    • More customization of the drop in purchase UI on the web without the need for a full custom site integration.
    • Sometimes communication from their front line support staff has gone to the wrong address.
    Incentivized
    Read full review
    Visa
    • fees- competitive, but budget for them
    • price transparency- it's hard to know exactly what you're being charged for. We are charged a small % of each incoming payment batch, so AR reconciliation is more difficult
    • implementation- significant time and expertise required to get everything up and running smoothly
    Incentivized
    Read full review
    Likelihood to Renew
    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.
    Incentivized
    Read full review
    Paddle
    No answers on this topic
    Visa
    No answers on this topic
    Usability
    Visa
    Except for some of the back of the house issues with settings the overall usability was great
    Incentivized
    Read full review
    Paddle
    No answers on this topic
    Visa
    No answers on this topic
    Support Rating
    Visa
    I have no experience directly with the support offered by Authorize.Net.
    Incentivized
    Read full review
    Paddle
    No answers on this topic
    Visa
    No answers on this topic
    Alternatives Considered
    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!
    Incentivized
    Read full review
    Paddle
    We tried using Stripe before Paddle, but it was a pain integrating it and it lacked the licensing. Paddle allows us just to add a payment button and don’t ever think about payment methods, we don’t have to make a separate button for card payments and another one for PayPal. Paddle does all this in their checkout process.
    Incentivized
    Read full review
    Visa
    Payeezy does not provide fraud check facility and they provide JS based integration. Since client wants server side integration due to security and fraud check as well in place of using another third party for fraud. We went ahead with Cybersource
    Incentivized
    Read full review
    Return on Investment
    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.
    Incentivized
    Read full review
    Paddle
    • We wanted to grow faster, which was possible once we integrate recurring payment gateway. And we've got Paddle to do that.
    Incentivized
    Read full review
    Visa
    • It has streamlined credit card processing for the whole organization
    • Provides all the info we need to locate specific transactions and address issues accordingly
    Incentivized
    Read full review
    ScreenShots

    Paddle Screenshots

    Screenshot of Padddle Payment Gateway