Authorize.net Fee Calculator
Combine gateway and processing costs for a true per-transaction picture.
Introduction
Authorize.net operates as a payment gateway, often paired with a merchant account or processor. Businesses pay gateway fees alongside per-transaction processing — sometimes bundled, sometimes listed separately on the monthly statement.
Ecommerce stores running Authorize.net through resellers or ISOs frequently see 2.9% plus a per-transaction charge on top of a monthly gateway subscription.
This Authorize.net fee calculator focuses on the per-transaction processing layer. Enter your charge amount and rate fields to estimate net settlement on each order.
How it works
- 1
Input the order total processed through Authorize.net.
- 2
Set percentage and fixed fee reflecting your merchant account pricing.
- 3
Monthly gateway fees ($25 is common) sit outside this per-transaction view — add them separately when budgeting.
- 4
Review net received and the gross order value needed for your target payout.
Formula
Per-transaction Authorize.net processing typically follows percentage-plus-fixed pricing.
Forward calculation
Transaction Fee = (Amount × Rate) + Fixed FeeReverse calculation
Order Total = (Target Net + Fixed Fee) ÷ (1 − Rate ÷ 100)Worked examples
$89 ecommerce order
A supplement store processes an $89 order via Authorize.net.
- Amount: $89.00
- Rate: 2.9% + $0.30
- Total fee: $2.88
Net deposit: $86.12 before monthly gateway subscription allocation.
$500 B2B invoice
A wholesale distributor collects $500 on a keyed-in corporate card.
- Amount: $500
- Rate: 3.1% + $0.30 (keyed rate)
- Total fee: $15.80
Net received: $484.20.
Benefits of using this Authorize.net fee tool
- Separate per-transaction costs from fixed monthly gateway charges.
- Evaluate whether order minimums make sense given processing overhead.
- Compare bundled ISO pricing against flat-rate alternatives like Stripe.
- Support finance team reconciliation with predictable fee estimates.
Common mistakes
Forgetting the monthly gateway subscription
Authorize.net often charges ~$25/month plus per-transaction fees. Spread that fixed cost across your monthly order count for true cost per sale.
Mixing up gateway and processor statements
Some merchants receive separate bills from the gateway and the acquiring bank. Sum both for accurate unit economics.
Using retail rates for B2B keyed cards
Manually entered corporate cards may incur higher interchange and processing tiers.
Frequently asked questions
What does Authorize.net charge per transaction?
Processing rates depend on your merchant account provider. A common starting point is 2.9% + $0.30 per transaction, plus a monthly gateway fee.
Is Authorize.net the same as a merchant account?
Authorize.net is primarily a gateway. You still need a merchant account or processor behind it to settle funds to your bank.
Authorize.net vs Stripe for ecommerce?
Stripe bundles gateway and processing; Authorize.net often suits merchants with existing bank relationships. Compare all-in cost including monthly fees.
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Conclusion
Authorize.net pricing spans gateway subscriptions and per-order processing. Use this calculator for transaction-level estimates, then fold in your monthly gateway cost for complete unit economics.
