PayPal Enterprise Payments vs Authorize.Net

Round by round

1. Round 1What a lost chargeback costsAuthorize.Net wins
   PayPal Enterprise Payments5/10

   $15

   per chargeback

   • $15, against $0

   Source: paypal.com ↗

   Authorize.Net8/10

   Not stated

   Verified 2026-10-13 on official site.

   • no chargeback fee on credit cards

   Source: authorize.net ↗

   Authorize.Net wins this round on what the company itself publishes.

2. Round 2How easy it is to useAuthorize.Net wins
   PayPal Enterprise Payments5/10

   4.1 out of 5

   ease-of-use rating from Capterra reviewers

   • 4.1 out of 5, against 4.3 out of 5

   Source: capterra.com ↗

   Authorize.Net8/10

   4.3 out of 5

   ease-of-use rating from Capterra reviewers

   Source: capterra.com ↗

   Authorize.Net wins this round on independent review-site data, not on its own claims.

3. Round 3What an online card sale costsTie
   PayPal Enterprise Payments7/10

   2.89%

   standard card rate for US merchants

   Source: paypal.com ↗

   Authorize.Net7/10

   2.9% + 30¢ per transaction

   Transaction fee

   • all-in-one rate

   Source: authorize.net ↗

   Nothing to separate them here.

4. Round 4The fixed fee on every saleTie
   PayPal Enterprise Payments7/10

   29 cents

   per transaction

   Source: paypal.com ↗

   Authorize.Net7/10

   30 cents

   per transaction on the all-in-one plan

   Source: authorize.net ↗

   Nothing to separate them here.

5. Round 5Taking bank (ACH) paymentsTie
   PayPal Enterprise Payments7/10

   0.75% (capped at $5)

   PayPal Braintree (now PayPal Enterprise Payments), standard merchant rate (US)

   Source: paypal.com ↗

   Authorize.Net7/10

   0.75% (eCheck add-on)

   All-in-one (merchant account + gateway), billed monthly (eCheck rate is in the FAQ What forms of payment does Authorize accept?)

   Source: authorize.net ↗

   Nothing to separate them here.

6. Round 6Charging customers on a scheduleTie
   PayPal Enterprise Payments7/10

   Yes (Braintree recurring billing)

   PayPal Braintree (now PayPal Enterprise Payments), standard merchant rate (US)

   Source: developer.paypal.com ↗

   Authorize.Net7/10

   Yes (Automated Recurring Billing)

   All-in-one (merchant account + gateway), billed monthly (eCheck rate is in the FAQ What forms of payment does Authorize accept?)

   Source: authorize.net ↗

   Nothing to separate them here.

Side by side

PayPal Enterprise Payments

Check price

Authorize.Net

Check price

Overall score

6.8

Best

6.6

Price

See price

See price

What customers say on Trustpilot

6.0

6.2

The fixed fee on every sale

7.0

6.8

Taking bank (ACH) payments

7.8

7.2

What a lost chargeback costs

6.0

8.0

What it costs just to have an account

—

5.0

Head-to-head findings

What customers say on Trustpilot

1.5 out of 5

1.6 out of 5

The fixed fee on every sale

29 cents

30 cents

What it costs just to have an account

—

$25

Taking bank (ACH) payments

0.75% (capped at $5)

0.75% (eCheck add-on)

What a lost chargeback costs

$15

Not stated

How fast your money reaches the bank

—

Varies by provider (3-5 business days typical)

What an online card sale costs

2.89%

2.9%

How easy it is to use

4.1 out of 5

4.3 out of 5

Record

Head-to-head record

4–2–1

3–4

Head-to-heads won

67 %

43 %

Rounds won

44 %

40 %

Pros

• all-in-one rate
• no chargeback fee on credit cards

Cons

• 130+ currencies, against 135+ currencies
• 30+ payment methods, against 100+ payment methods
• 4.1 out of 5, against 4.6 out of 5
• 1.5 out of 5, against 3.7 out of 5

• $25, against No monthly fee
• 4.3 out of 5, against 4.5 out of 5
• 2-3 business days, against 2 business days
• 1.6 out of 5, against 3.7 out of 5

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