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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

    Payoneer

    Score8 out of 10
    N/APayoneer headquartered in New York offers a global payment solution enabling business to manage international payments, bill or request payments from clients, receive payments through popular marketplaces, and pay freelance workers no matter where they are.N/A

    PayPal Payments Pro

    Score8.5 out of 10
    N/APayPal Payments Pro is an enterprise-class ecommerce payment solution, that provides payment processing security to build a professional-grade ecommerce site. It can be configured to meet business needs and works across devices. Users can tap into over 390 million active customer accounts around the globe.

    $0.02

    per transaction

    Pricing
    Authorize.netPayoneerPayPal Payments Pro
    Editions & Modules
    All-in-One Option
    25 & 2.9% + $0.30
    monthly gateway/per transaction
    Payment Gateway Only
    $25
    monthly gateway
    No answers on this topic
    QR code Transactions
    1.90% + fixed fee
    per transaction
    Charity Transactions
    2.20% + fixed fee
    per transaction
    Commercial Transactions - In-Store
    2.70% + fixed fee
    per transaction
    Commercial Transactions - Online
    2.90% + fixed fee
    per transaction
    PayPal's pay later offers
    2.90% + fixed fee
    per transaction
    Venmo
    2.90% + fixed fee
    per transaction
    Offerings
    Pricing Offerings
    Authorize.netPayoneerPayPal Payments Pro
    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.netPayoneerPayPal Payments Pro
    Considered Multiple Products
    Visa
    Chose Authorize.net
    I have found a similar feature on Authorize.net like PayPal, that's why I have shifted here. Few things are even better than Paypal. Authorize.net offers your customers a variety of payment options online. Authorize.net accepts payments from customers using mobile devices. …
    Incentivized
    Chose Authorize.net
    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 - …
    Incentivized
    Chose Authorize.net
    Stripe's platform doesn't seem to offer a lot in the way of customer service. I felt Authorize.Net's customer service was far superior. I didn't like that PayPal's platform redirected you to their site and then back into our site. It seemed confusing to the user and I'd rather …
    Incentivized
    Chose Authorize.net
    We did not select authorize.net, it came with the software package with our catering system Spoonfed. I would prefer either Toast or LevelUp as a payment processor over authorize.net—those two are easier to use from a manager perspective and process refunds. My experience with …
    Incentivized
    Payoneer
    Chose Payoneer
    I have used all of them successfully for years without "violating their terms". Payoneer is throwing business away for no reason at all.
    Incentivized
    Chose Payoneer
    Way better.
    Incentivized
    Chose Payoneer
    Payoneer is simpler, offers more advantages when withdrawing income and is linked to the best markets. In addition, I can withdraw the money regardless of the currency deposited at the best exchange rate in the market. They offer very competitive commission rates and a debit …
    Incentivized
    Chose Payoneer
    The Payoneer is very easy to use. All conditions are simply and clearly described.
    Incentivized
    Chose Payoneer
    Payoneer supports more geographies than many of the other leading payment solutions. Additionally, their fees are very low, and don’t require a minimum monthly volume or a subscription package. Where Payoneer falls short is that it’s slow (compared to something like PayPal), …
    Incentivized
    Chose Payoneer
    Paypal is more common but transaction fees and overall time spent waiting for some transfers if the other person doesn't have paypal or has not used it in a while is a plus for Payoneer.

    Less hassle and more options related to types of transactions and places to process …
    Incentivized
    Chose Payoneer
    I chose Payoneer over the competition because of the low transaction fees and the ease of receiving money from customers anywhere in the world, and then being able to withdraw it without using intermediaries, directly to my bank account and into my local currency.
    Incentivized
    Chose Payoneer
    As compared to PayPal, Payoneer has nominal exchange rates. Secondly, it is more popular in developing countries than PaPpal which ultimately helps us in doing business in those countries. Thirdly, the transaction fee that Payoneer deducts is less as compared to PayPal which I …
    Incentivized
    Chose Payoneer
    I selected Payoneer as the fees they have deducted are less and also the exchange rate is better. Also, from time to time I get updates or notifications about the whereabouts of my money. Though there is a limit to receiving money in a single transaction using this tool, it's …
    Incentivized
    Chose Payoneer
    Payoneer is much more secure than any other transaction system. Transaction charges are affordable, but there is no other hidden cost to receive or make international payments. Its exchange rates are almost equal to the marketplace. Moreover, their Customer Support Team is well …
    Incentivized
    Chose Payoneer
    Before using Payoneer I had to rely on PayPal Payments but I have to face many troubles. The interface is very unique, it is simple to use with an eye-catching and intuitive design, which helps in navigating things easily for the new user too. The platform also offers to …
    Incentivized
    Chose Payoneer
    Payoneer is good for 3rd party sources when working with multiple companies. I like using PayPal Payments for when I'm charging a client individually and simply. Payoneer is best for reoccurring business with an entities like collecting from radio, online ads, commercials, …
    Incentivized
    Chose Payoneer
    PayPal is accepted by country but I can only send out funds, no receiving. With Payoneer you can send and receive funds, it also has a free credit card that can be delivered to your door step.
    Incentivized
    PayPal
    Chose PayPal Payments Pro
    We use Authorize.Net on one of our other websites as the payment processor. It is good too but definitely took a while to integrate because of some issues. PayPal Payments was much easier.
    Incentivized
    Chose PayPal Payments Pro
    I currently use both Quickbooks and PayPal in conjunction. I stopped using Authorize.Net because the company I went through had so many extra charges that it was hard to budget for. I like how PayPal just combines all the charges into one simple fee per transaction. I know how …
    Incentivized
    Chose PayPal Payments Pro
    It is an excellent alternative, with a great interface, however, we become much more familiar with PayPal Payments because most of our clients and business partners use it, it makes our work environment more pleasant, and we have no problems processing payments.
    Incentivized
    Chose PayPal Payments Pro
    From my personal experience, PayPal Payments is by far the easiest to implement and better supported and documented. Other options are either over complicated or too expensive.
    Incentivized
    Chose PayPal Payments Pro
    PayPal is much easier to use and it gave me options to pay through PayPal directly when doing online purchases. Costs were also more advantageous as I wouldn't have large amounts of money to transfer.
    Incentivized
    Chose PayPal Payments Pro
    PayPal Payments, at the end of the day, was an easy sell to management and an auto integration with our eCommerce software. We already informally accepted PayPal for international customers to reduce risk, and taking it a step further was an easy next step. It was a one or …
    Incentivized
    Chose PayPal Payments Pro
    • On the micropayments side, PayPal Payments was the clear victor, charging significantly less as compare to other payment gateways in past.
    • PayPal Payments used to return our original processing fee in the past.
    • PayPal Payments is currently available in over 200 countries/regions …
    Incentivized
    Chose PayPal Payments Pro
    We use both Amazon Pay and PayPal on our website. Paypal is more well known, but Amazon Pay works better with subscriptions and offers better business support.
    Incentivized
    Key User Insights
    Would buy again
    90%
    Would buy again
    19 Answers
    59%
    Would buy again
    17 Answers
    85%
    Would buy again
    34 Answers
    Delivers good value for the price
    100%
    Delivers good value for the price
    17 Answers
    64%
    Delivers good value for the price
    16 Answers
    90%
    Delivers good value for the price
    36 Answers
    Happy with the feature set
    95%
    Happy with the feature set
    20 Answers
    59%
    Happy with the feature set
    17 Answers
    90%
    Happy with the feature set
    36 Answers
    Lived up to sales and marketing promises
    93%
    Lived up to sales and marketing promises
    13 Answers
    48%
    Lived up to sales and marketing promises
    13 Answers
    89%
    Lived up to sales and marketing promises
    33 Answers
    Implementation went as expected
    89%
    Implementation went as expected
    16 Answers
    57%
    Implementation went as expected
    16 Answers
    95%
    Implementation went as expected
    35 Answers
    Features
    Authorize.netPayoneerPayPal Payments Pro
    Payment Gateways
    Comparison of Payment Gateways features of Authorize.net and Payoneer and PayPal Payments Pro
    Feature
    Authorize.net
    9.0
    1 Ratings
    19% above category average
    Payoneer
    1.3
    9 Ratings
    140% below category average
    PayPal Payments Pro
    -
    Ratings
    Fraud Detection9.01 Ratings2.38 Ratings00 Ratings
    API or SDK9.01 Ratings1.04 Ratings00 Ratings
    Recurring Payment Support9.01 Ratings1.16 Ratings00 Ratings
    Billing and Invoicing Support00 Ratings1.09 Ratings00 Ratings
    Global Support00 Ratings1.19 Ratings00 Ratings
    Payment Form Acceptance00 Ratings1.08 Ratings00 Ratings
    Best Alternatives
    Authorize.netPayoneerPayPal Payments Pro
    Small Businesses
    Apple Pay
    Score9.1 out of 10
    Apple Pay
    Score9.1 out of 10
    Apple Pay
    Score9.1 out of 10
    Medium-sized Companies
    Payoneer
    Score8 out of 10
    Amazon Pay
    Score9.5 out of 10
    Payoneer
    Score8 out of 10
    Enterprises
    Checkout.com
    Score10 out of 10
    Checkout.com
    Score10 out of 10
    Checkout.com
    Score10 out of 10
    All AlternativesView all alternativesView all alternativesView all alternatives
    User Ratings
    Authorize.netPayoneerPayPal Payments Pro
    Likelihood to Recommend
    8.0
    (31 ratings)
    1.0
    (29 ratings)
    8.2
    (72 ratings)
    Likelihood to Renew
    9.1
    (2 ratings)
    10.0
    (1 ratings)
    -
    (0 ratings)
    Usability
    8.0
    (1 ratings)
    -
    (0 ratings)
    -
    (0 ratings)
    Support Rating
    5.0
    (1 ratings)
    1.0
    (2 ratings)
    2.3
    (9 ratings)
    User Testimonials
    Authorize.netPayoneerPayPal Payments Pro
    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
    Payoneer
    Although the withdrawal is limited to the ACH US accounts, as they aren't real bank accounts, it's a convenient way to get paid fast from Stripe, although if there is a small fee or a chargeback as these are way in payments only, it becomes a nightmare to fix those problems. It does allow the bank accounts to be accepted with Stripe. For any kind of ACH payment to vendors, the service is way too limited, I wasn't able to pay anyone, unless I use the card to do it, as any regular card. In my experience, I think Import export, international trade transactions or high ticket items are impossible due to the small upper limits, for instance I can't use it to pay a vendor for a regular inventory of the latest iPhones(more than a million dollars for just a few items), nor to get paid by an overseas buyer(for instance my clients in Dubai), that buy these items on a daily basis, for these operations is just not suited.
    Incentivized
    Read full review
    PayPal
    Paypal is great for personal payments as well as business payments for ecommerce of for paying monthly memberships. It is a user friendly software that needs little expertise to get used to. For larger payments, the fees become high therefore it is more suitable for payments of upto few hundred dollars.
    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
    Payoneer
    • It is very well accepted world wide and also accepts more than 150 currencies.
    • A decent and nominal exchange rates of currency as compared to similar platforms like PayPal.
    • I can keep track of all the transactions, payments, balance, etc using Payoneer.
    • It is because of Payoneer we can grow our business globally.
    Incentivized
    Read full review
    PayPal
    • PayPal offers me the option of converting my currency deposited in my account to another currency, so I can complete all kinds of payments and send money to employees who are in another country for business reasons.
    • The mobile phone application is too fast, I can make payments to my employees in a matter of seconds without having to wait for the web version to load.
    • Scheduled payments are great. PayPal allows me to add a list of contacts to my PayPal Business account, and after adding the contacts, I can schedule payments for a specific day and time. It's easier to make automated payroll payments with PayPal.
    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
    Payoneer
    • The process of getting payment is a little bit complex in Payoneer as compared to PayPal.
    • Receiving of payments takes a very long time and it's not instant.
    • The customer service of Payoneer is not up to the mark and it takes a very long time to resolve simple issues.
    Incentivized
    Read full review
    PayPal
    • Sometimes the UX flow would not deliver the customer back to our site, leaving orders in limbo "Pre-approved" status. The customer would call days later asking why we hadn't shipped it.
    • The PayPal logo on the checkout page can be kind of large and obtrusive.
    • They mention new features and programs on their login page, but it's hard to find any details on them deeper in the software.
    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
    Payoneer
    Payoneer helps me a lot on my online business journey, it gave me the support and functions that I want.
    Incentivized
    Read full review
    PayPal
    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
    Payoneer
    No answers on this topic
    PayPal
    No answers on this topic
    Support Rating
    Visa
    I have no experience directly with the support offered by Authorize.Net.
    Incentivized
    Read full review
    Payoneer
    The support is really awful. They send you generic answers, and actually don't really understand what is going on. For example, when our re-verification was stuck, support agents told me that the account is active and you can send a payment. I did that, my card was charged, but the payment was declined, because the account was not active
    Read full review
    PayPal
    Customer service representatives were unable to explain why customer in Australia were unable to make payments using our link. It turned out that customers in Australia must create an account. PayPal's user interface did not reveal this to our customers in Australia. There was plenty about this issue appearing in online forums and PayPal customer service couldn't explain this. This change in PayPal's usability happened between April and May of 2021 and was done without notice to vendors (like us).
    Incentivized
    Read full review
    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
    Payoneer
    Payoneer has outperformed them all, with speedier payments, a larger network, and international business accounts. We first tried a few different payment service providers before settling on this one, like PayPal, Payeer, and Skrill. But after all these years, Payoneer continues to provide us with the best services, features, and safety overall.
    Incentivized
    Read full review
    PayPal
    I don't think there's really any competition here. There's Venmo (also owned by PayPal) who is now offering business accounts, but it still isn't quite the same. The closest thing in terms of ease of use would be Apple Pay or Google Pay (and there are a handful of others out there, but we offer Apple and Google Pay). As a business, I prefer Apple or Google Pay to PayPal Payments, but we offer either Google or Apple Pay, PayPal, and credit card options and PayPal is always right up there with credit cards. I don't foresee us ever getting rid of PayPal Payments as an option, but we do try to only offer it on request for higher ticket items or high dollar installment purchases.
    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
    Payoneer
    • I can receive the money from anywhere around the world, and in any currency.
    • It converts the money directly into my local currency, hence becomes easy for us to track and withdraw money from our bank accounts.
    • Sometimes customer support lacks the ability to satisfy the customer requirements.
    • Required to make two different accounts for receiving and sending money.
    Incentivized
    Read full review
    PayPal
    • Our daily revenue has been increased when started PayPal Payments as the payment gateway.
    • Refund rate and recurring revenue is stable and disputes are handled properly.
    • Forex Fluctuations is controlled and solved the buying experience for few users.
    • Solved problem for different currencies and retained our users.
    Incentivized
    Read full review
    ScreenShots