Authorize.Net

The Authorize.Net Payment Gateway can help you accept credit card and electronic check payments quickly and affordable. More than 212,000 merchants trust Authorize.Net to manage their transactions, help prevent fraud, and grow their business.

Authorize.Net understands the evolving needs of Web merchants – Authorize.Net solutions are designed to help you grow your online business.

• Accept a Variety of Payments – All major credit cards, eCheck.Net (electronic checks from bank accounts), gift cards, signature debits, and Internet auctions.
• Manage Your Transactions – Use full-featured Merchant Interface to monitor and control payments through your Web site.
• Prevent Fraud – Identify suspicious transactions with Authorize.Net value-adding products and built-in fraud tools.
• Risk Management – Sensitive data is stored in the Authorize.Net PCI-compliant data center, never on your computer.
• Receive Payments Quickly – Your funds are automatically deposited into your merchant bank account within days.
• Free Help – Authorize.Net provides live technical and account support to merchants, as well as access to online documentation

"How it Works"

Step 1: The merchant submits a credit card transaction to the Authorize.Net Payment Gateway on behalf of a customer via secure connection from a Web site, at retail, from a MOTO center or a wireless device.

Step 2: Authorize.Net receives the secure transaction information and passes it via a secure connection to the Merchant Bank’s Processor.

Step 3: The Merchant Bank’s Processor submits the transaction to the Credit Card Interchange (a network of financial entities that communicate to manage the processing, clearing, and settlement of credit card transactions).

Step 4: The Credit Card Interchange routes the transaction to the customer’s Credit Card Issuer.

Step 5: The Credit Card Issuer approves or declines the transaction based on the customer’s available funds and passes the transaction results, and if approved, the appropriate funds, back through the Credit Card Interchange.

Step 6: The Credit Card Interchange relays the transaction results to the Merchant Bank’s Processor.

Step 7: The Merchant Bank's Processor relays the transaction results to Authorize.Net.

Step 8: Authorize.Net stores the transaction results and sends them to the customer and/or the merchant. This communication process averages three seconds or less!

Step 9: The Credit Card Interchange passes the appropriate funds for the transaction to the Merchant’s Bank, which then deposits funds into the merchant’s bank account. The funds are typically deposited into your primary bank account within two to four business days.