What users are saying about
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Top Rated
75 Ratings
Top Rated
234 Ratings

Authorize.Net

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Top Rated
75 Ratings
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Score 8.1 out of 100
Top Rated
234 Ratings
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Score 8.2 out of 100

Attribute Ratings

  • Authorize.Net is rated higher in 1 area: Support Rating
  • PayPal Payments Pro is rated higher in 1 area: Likelihood to Recommend

Likelihood to Recommend

8.3

Authorize.Net

83%
33 Ratings
8.5

PayPal Payments Pro

85%
75 Ratings

Likelihood to Renew

9.0

Authorize.Net

90%
2 Ratings

PayPal Payments Pro

N/A
0 Ratings

Support Rating

5.0

Authorize.Net

50%
2 Ratings
2.6

PayPal Payments Pro

26%
14 Ratings

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.
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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.
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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.
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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.
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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.
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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.
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Pricing Details

Authorize.Net

Starting Price

$0 monthly gateway/per transaction

Editions & Modules

Authorize.Net editions and modules pricing
EditionModules
All-in-One Option25 & 2.9% + $0.301
Payment Gateway Only252

Footnotes

  1. monthly gateway/per transaction
  2. monthly gateway

Offerings

Free Trial
Free/Freemium Version
Premium Consulting/Integration Services

Entry-level set up fee?

No setup fee

Additional Details

PayPal Payments Pro

Starting Price

$0 per transaction

Editions & Modules

PayPal Payments Pro editions and modules pricing
EditionModules
Commercial Transactions - Online2.90% + fixed fee1
Commercial Transactions - In-Store2.70% + fixed fee2
PayPal's pay later offers2.90% + fixed fee3
QR code Transactions1.90% + fixed fee4
Venmo2.90% + fixed fee5
Charity Transactions2.20% + fixed fee6

Footnotes

  1. per transaction
  2. per transaction
  3. per transaction
  4. per transaction
  5. per transaction
  6. per transaction

Offerings

Free Trial
Free/Freemium Version
Premium Consulting/Integration Services

Entry-level set up fee?

No setup fee

Additional Details

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.
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PayPal

No answers on this topic

Support Rating

Visa

I have no experience directly with the support offered by Authorize.Net.
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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).
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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!
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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.
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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.
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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.
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