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Authorize.net

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Features

Merchant Interface

A secure online portal for managing Authorize.net accounts with features like:

  • Merchant Interface Tools: Virtual Terminal, Advanced Fraud Detection Suite, Customer Information Manager, Simple Checkout, Recurring Billing, and more.
  • Report Creation: Comprehensive reporting options, including transaction details, statistics, returns, and Account Updater reports.
  • Transaction Search: Advanced filters for transaction searches.
  • Account Settings: Update settings, billing, and user profiles, create new users.

Online Payments

Authorize.net supports diverse payment methods like debit/credit cards, eChecks, and digital wallets, with global transaction capabilities via Cybersource API.

  • Global Payments: Seamless worldwide payment acceptance for business growth.
  • Fraud Prevention: Automated fraud detection tools (260+) to filter fraudulent transactions.
  • Data Security: Safeguards sensitive payment data and simplifies PCI DSS compliance.

Virtual Terminal

Securely processes credit card and eCheck transactions online from any internet-connected device, ideal for remote orders like mail or phone transactions.

  • Remote Payments: Accepts credit cards from anywhere.
  • eCheck Support: Adds electronic check payment options.
  • Customizable Fields: Personalize fields for business needs.
  • Receipts: Print detailed receipts with transaction and merchant info.

Virtual Point of Sale (VPOS)

A free added service that allows a merchant to connect a compatible card reader to a computer to start accepting payments. VPOS will only work with Windows and Google Chrome.

  • Accept chip Card Payments: Support EMV payments (First Data Nashville and TSYS platforms).
  • Simplify Risk Management: Sensitive data is stored in the Authorize.net PCI-compliant data center instead of an on-site computer.
  • Email or Print Receipts: Email or print transaction receipts; supports Star AllReceipts™.
  • Secure Access: Manage device access via the Authorize.net Merchant Interface.
  • Printer Compatibility: VPOS is compatible with any standard 8.5” x 11” laser or ink jet printer. For thermal printer solutions, a Star or Epson USB or Bluetooth printer is recommended.

Mobile Payments

Transform a mobile device into a secure point of sale with an Authorize.net-compatible card reader.

  • More Flexibility: Accept payments anywhere via Wi-Fi or cellular connection.
  • Better Customer Experience: Offer payment options like swipe, chip, or contactless.
  • Customizable App: Adjust receipt, tip, and shipping settings to fit business needs.

Digital Invoicing

Send secure, email-based invoices for convenient viewing and payment on any device.

  • Streamlined and Secure: Save time and money with efficient, fee-free billing.
  • Easy Reporting: Monitor invoice statuses, organize with filters, and send reminders.
  • User-friendly Approach: Customers can easily view and pay invoices on any device.
  • Customizable Invoicing: Offer custom discounts on any invoice.
  • Multiple Payment Methods: Accept cards and eChecks for wider customer preference.

Automate Recurring Billing (ARB)

Manage recurring or installment payments with flexible options for credit cards or bank transfers.

  • Flexible Billing: Customize recurring billing cycles to align with your business model and offer customers the option to try the product before being charged.
  • Billing Management: Review and manage subscriptions in the online portal.
  • API Integration: Use ARB API to automate transactions per schedule.
  • Secure Data Management: Store customer information on PCI-compliant servers.

Advanced Fraud Detection Suite (AFDS)

The Advanced Fraud Detection Suite (AFDS) safeguards your business against costly risks by using robust, rule-based filters and IP address tools to detect, manage, and prevent potentially fraudulent transactions.

  • Card Testing Settings: Safeguard accounts from fraudulent actors attempting to test credit card information.
  • Transaction Settings: These filters allow businesses to identify high risk transactions through different verification tools.
  • E-Commerce Settings: Prevent e-commerce fraud by verifying and comparing billing, shipping, and IP addresses.
  • IP Address Administration: Set up a list of authorized IP addresses to accept transactions through the gateway while blocking suspicious or fraudulent IP addresses to enhance security.

Batch Upload

Streamline transaction processing by uploading multiple transactions at once instead of manually entering each individual transaction.

  • File Acceptance: Accepts CSV or TXT format file to bulk upload transactions.
  • Track File Status: Check file status via the Merchant Interface.
  • Submit Refund Transactions: Submit credit refund transactions through batch uploads.

Customer Information Manager (CIM)

Enables merchants to securely store customer payment information on their servers, making PCI DSS compliance easier. It also offers advanced features to improve transaction processing and recurring billing efficiency.

  • Simplify PCI Compliance: Protect customer information and meet security standards.
  • Store Customer Data: Save customer profiles for faster, repeat transactions, eliminating the need to re-enter their personal information on every visit to the business website.
  • Provide Payment Flexibility: Your customers can store multiple payment methods for repeat purchases.
  • Save Multiple Shipping Locations: Allow customers to save multiple shipping addresses.

Integrations

Authorize.net integrates with certified solution providers and popular shopping carts like WooCommerce, Adobe Commerce (Magento), and Shopify for seamless payment processing. For a more extensive list, please see the Partner Directory.

Hardware Compatibility

Authorize.net offers compatible card reader solutions to use with the mPOS/VPOS application. These solutions can be purchased on the Partner/POS Portal.

Compatible Card Readers:
  1. Authorize.net 2.0 | BBPOS AWC Walker C3X | BT | Card Reader: Supports EMV and swipe transactions (TSYS and First Data Nashville).
  2. Authorize.net | IDTech Augusta | USB | Smart Card Reader: EMV chip and magnetic stripe reader with encryption for secure data handling.
Compatible Mobile Devices:
  • iOS: iPhone, iPad, iPod touch (iOS 9.0-15.7).
  • Android: Phones and tablets (Android OS 5.0-12.0).

Level II and Level III Processing

Level II Processing: Includes additional customer and tax information for better tracking and lower interchange rates.

Level III Processing: Provides detailed line-item data for transactions, useful for procurement cards and enhanced expense management.

  1. Level II Data
    • Requires customer-specific fields like sales tax and unique customer codes.
    • Supported for business/corporate and purchase/procurement cards.
    • Check processor-specific requirements and enable processing via customer support.
  2. Level III Data
    • Includes detailed purchase information and must incorporate Level II data.
    • Often used for procurement cards and purchase orders.
    • Requires processor-specific setup and must be activated to avoid errors.
  3. Cybersource Guidelines
    • Acts as a pass-through for Level II/III data, with minimal validation to maintain merchant-customer business policies.
    • Include Level III data in all capture or credit requests to avoid batching errors.
    • Contact your acquirer for up-to-date requirements, as these can change.

Important Notes

  • Level III requires Level II data.
  • Errors in Level III batching disable the field but do not reject the request.
  • Always match total amounts between authorization and capture/credit requests for accurate processing.

For more information: Introduction to Level II and Level III Processing

The Authorize.net gateway is a product of Authorize.net. Pepper Pay is a registered reseller of Authorize.net.