Stripe vs Authorize.Net
Stripe comes out ahead of Authorize.Net on 3 of the 6 things that decide this, going by what each company publishes and what independent review sites report. The one that matters for you may be one the leader loses.
The verdict
Stripe takes it, 3–1 on rounds.
On the published figures and the independent review sites, Stripe takes 3 of 6 rounds. Treat that as a starting point and check the current figures on both pages, because prices and plans move.
Choose Stripe if…
- • You want Stripe's edge on what it costs just to have an account and how easy it is to use
Choose Authorize.Net if…
- • You want Authorize.Net's edge on taking bank (ach) payments
Round by round
- Round 1What it costs just to have an accountStripe wins
Stripe wins this round on independent review-site data, not on its own claims.
- Round 2How easy it is to useStripe winsAuthorize.Net5/10
4.3 out of 5
ease-of-use rating from Capterra reviewers
- 4.3 out of 5, against 4.5 out of 5
Source: capterra.com ↗
Stripe wins this round on independent review-site data, not on its own claims.
- Round 3What an online card sale costsTie
Nothing to separate them here.
- Round 4The fixed fee on every saleTie
Nothing to separate them here.
- Round 5Taking bank (ACH) paymentsAuthorize.Net winsStripe5/10
0.8% ($5 cap)
Standard pay-as-you-go pricing (US)
- 0.8% ($5 cap), against 0.75% (eCheck add-on)
Source: stripe.com ↗
Authorize.Net8/100.75% (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 ↗
Authorize.Net wins this round on what the published sources say.
- Round 6How fast your money reaches the bankStripe winsAuthorize.Net5/10
Varies by provider (3-5 business days typical)
Pricing page FAQ
- 2-3 business days, against 2 business days
Source: authorize.net ↗
Stripe wins this round on what the published sources say.
Side by side
- all-in-one rate
- no chargeback fee on credit cards
- 2.7% + 5¢ (Terminal), against 2.29% + 9¢ (PayPal POS)
- 1.6 out of 5, against 3.7 out of 5
- $15 per dispute (+$15 if contested), against No chargeback fee
- 2.7% + 5¢ (Terminal), against 2.6% + 15¢ (Square Free)
- $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