AuthorizeNet

Authorize.Net is a payment gateway service that enables merchants to accept credit cards, debit cards, and electronic checks online and via mobile devices. It functions as an intermediary between a merchant’s website or point-of-sale system and the card networks, handling authorization requests and facilitating settlement to the merchant’s bank account. The service is widely used by small and mid-sized businesses to support online storefronts, subscriptions, and one-time payments.

Key features include a secure gateway, recurring billing, fraud prevention tools, and a customer vault for tokenized card data. It provides reporting and notification options and supports multiple integration methods, including hosted payment forms and developer APIs. Developers can integrate with Accept.js, REST, or SOAP APIs to process payments and manage customers, while merchants can connect through popular e-commerce platforms and shopping carts.

Security and compliance are central to its offering. Authorize.Net supports PCI DSS compliance through data tokenization and secure transmission, and offers fraud management tools such as address verification, card verification, and customizable rules to reduce chargebacks and fraud losses.

History and ownership: Authorize.Net originated as an independent payment gateway and later became part of CyberSource, which was acquired by Visa Inc. The service continues to operate under Visa’s broader digital payments ecosystem, expanding its integration options and merchant tools to fit a range of business models.