Authorize.Net Payment Gateway Only Calculator ($0.10/tx)
Gateway-only pricing with your own third-party merchant account.
Base customer charge
2.90% + $0.30 fixed
Actual received funds
Total % lost to gateway
Competitor Fee Comparisonat $500.00
Exact net payout differences across major merchant networks. Click any card to switch.
Authorize.Net Fees: Gateway Only vs. All-in-One Pricing (2026)
A fee comparison between Authorize.Net's $25/month gateway-only plan (10¢ per transaction) and the all-in-one payment processing plan (2.9% + $0.30).
Authorize.Net offers two distinct setups: Payment Gateway Only (if you already have a merchant bank account) costs $25/month plus $0.10 per transaction and a $0.10 daily batch fee; and All-in-One Payment Processing costs $25/month plus 2.9% plus $0.30 per transaction. Businesses with monthly volume over $50,000 can achieve massive savings by pairing the gateway-only plan with wholesale interchange-plus merchant accounts.
When Does Authorize.Net Beat Stripe or Square?
On flat-rate processors like Stripe (2.9% + $0.30), processing $100,000 in monthly sales costs $2,900+ in fees. With Authorize.Net Gateway Only paired with an interchange-plus merchant account (averaging Interchange + 0.20%), total fees on $100,000 often drop to under $1,900—saving over $1,000 every month.
Data Table: Gateway Only vs. All-in-One Cost Comparison
| Monthly Card Volume | All-in-One ($25 + 2.9% + 30¢) | Gateway Only ($25 + 10¢) | High-Volume Savings |
|---|---|---|---|
| $10,000 (100 orders) | $345.00 | $38.00 + Interchange | Break-Even Range |
| $50,000 (500 orders) | $1,625.00 | $78.00 + Interchange | Save ~$500/mo |
| $100,000 (1,000 orders) | $3,225.00 | $128.00 + Interchange | Save ~$1,100/mo |
Technical Breakdown & Formula Specifications
Transparent mathematical reference and standardized volume benchmarks
Mathematical Formula & Calculation Logic
To calculate forward deductions: multiply gross volume by the gateway rate (e.g. 2.9%) and add the fixed fee ($0.30). To ensure you receive an exact net amount in your bank, use the reverse formula to invoice your customer accordingly.
Standard Transaction Volume Tiers
Compare expected deductions across typical commercial ticket sizes
| Gross Transaction | Deductions | Net Received | Effective Rate |
|---|---|---|---|
| $50.00 | -$1.75 | $48.25 | 3.50% |
| $250.00 | -$7.55 | $242.45 | 3.02% |
| $1,000.00 | -$29.30 | $970.70 | 2.93% |
| $5,000.00 | -$145.30 | $4,854.70 | 2.91% |
Authorize.Net Payment Gateway Only Calculator — Frequently Asked Questions
Authoritative answers to common questions, regulatory rules, and compliance guidance.
How do I charge a client so I receive the full invoice amount?
How much do international cards cost extra?
How does Wise compare to traditional merchant gateways?
Which payment processor is cheaper: Stripe, PayPal, or Square?
What is the cheapest payment processor for micropayments under $10?
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