Authorize.net vs. XPAY

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

Xpay is perfect for a centralized location for all payments coming in. It also handles the security and ease to be incorporated by our IT team into the online portal. A vast array of different payment methods ensure all possible options are covered. You can then track what has been paid and now and send reminders.

Incentivized

• 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

• perfect for getting payment for invoices
• allows users to use card payments
• shows revenue real time

Incentivized

• 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

• could be more incorporable into accountancy software
• easier OFX exportation

Incentivized

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

Except for some of the back of the house issues with settings the overall usability was great

Incentivized

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

Incentivized

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

Xpay could do with some more personalization features but is more cost effective. For example ability to add photos or videos to requests. Payment can be taken via ascend but accepts less payment types and is not as secure hence the replacement with Xpay. Xpay is a simplified version and easy to use and scale.

Incentivized

• 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

• Saves a tone of time
• Extra cost could be cheaper
• Possibly cuts time for payments as people can pay however they like

Incentivized