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Authorize.net alternatives: 6 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rankAll payment gateways

Top picks

  • Stripe logo

    Best overall

    Stripe

    Custom domain price: $10 per month

  • PayPal logo

    Best free option

    PayPal

    Free plan + paid

Common reasons people leave Authorize.net: monthly fee on every plan, unlike pay-as-you-go processors, and eCheck is limited to US-based businesses. We ranked 6 alternatives by how directly each one replaces Authorize.net, then by reviews, real visits and how recently each app's facts were checked against its own website. Stripe currently ranks first.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1Stripe logoStripePaid$10 per monthNoWeb, iOS, Android7 of 768.8
2Adyen logoAdyenPaid—NoWeb, iOS, Android6 of 659.4
3Amazon Pay logoAmazon PayPaid—NoWeb5 of 557.5
4PayPal logoPayPalFree plan + paid—NoWeb, iOS, Android8 of 854.4
5Square POS logoSquare POSFree plan + paid$49/month per location (Square Plus)NoiOS, Android, Web7 of 752.6
6Clover logoCloverPaid$16/month for 36 months or $349 upfront (Basic retail system)NoAndroid, iOS, Web8 of 851.2
  1. Stripe logo

    1. StripeTop pick

    Best for: SaaS companies and marketplaces that sell internationally and want strong developer tooling

    PaidWeb, iOS, Android

    68.8

    score / 100

    Why switch from Authorize.net

    Developer-friendly online payments with modern APIs, subscriptions and invoicing, no separate merchant account to arrange.

    Pros

    • Well-documented APIs with a full test mode
    • Large set of payment methods and currencies from one integration
    • Billing, tax, fraud and marketplace payouts available as add-ons

    Cons

    • Not available to businesses in every country
    • Add-on products like Billing and Tax carry their own fees
    • Rates vary by country and payment method, so costs need checking per market
    Visit Stripe Compare with Authorize.netDetails and reviews
    How this score is calculated
    Editorial fit ×0.3100
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Stripe a good Authorize.net alternative?

    Verified facts

    7 of 7 verified
    Setup and monthly fees
    None on standard pricing
    Checked Nov 8, 2026stripe.com(opens source in a new tab)
    Currencies
    135+
    Checked Nov 8, 2026stripe.com(opens source in a new tab)
    Payment methods
    100+
    Checked Nov 8, 2026stripe.com(opens source in a new tab)
    Tax automation
    Calculations in 100+ countries
    Checked Nov 8, 2026stripe.com(opens source in a new tab)
    Pricing
    Pay as you go, no setup or monthly fees
    Checked Nov 8, 2026stripe.com(opens source in a new tab)
    Custom domain price
    $10 per month
    Checked Nov 8, 2026stripe.com(opens source in a new tab)
    Card pricing
    2.9% + a fixed fee per successful domestic card charge
    Checked Nov 8, 2026stripe.com(opens source in a new tab)
  2. Adyen logo

    2. Adyen

    Best for: Large and international businesses that want online and in-store payments on one platform

    PaidWeb, iOS, Android

    59.4

    score / 100

    Why switch from Authorize.net

    Enterprise-grade single platform for online, in-store and global payment methods, for larger merchants outgrowing a gateway.

    Pros

    • One integration for online, in-app and in-store payments worldwide
    • Interchange++ card pricing with no setup or monthly fees
    • Wide range of local payment methods and currencies

    Cons

    • Sales-led onboarding geared to larger merchants, not hobby sellers
    • Fixed fee on every transaction plus method fees can be complex to model
    • Fewer no-code tools for small businesses than Stripe or Square
    Visit Adyen Details and reviews
    How this score is calculated
    Editorial fit ×0.369
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Adyen a good Authorize.net alternative?

    Verified facts

    6 of 6 verified
    Setup fee
    None, and no monthly fees
    Checked Nov 8, 2026adyen.com(opens source in a new tab)
    Pricing model
    Fixed processing fee + payment-method fee
    Checked Nov 8, 2026adyen.com(opens source in a new tab)
    Currencies
    150+
    Checked Nov 8, 2026adyen.com(opens source in a new tab)
    Local payment methods
    200+
    Checked Nov 8, 2026adyen.com(opens source in a new tab)
    Banking licences
    US, UK and EU
    Checked Nov 8, 2026adyen.com(opens source in a new tab)
    Visa and Mastercard
    $0.13 + 0.80% + Interchange++
    Checked Nov 8, 2026adyen.com(opens source in a new tab)
  3. Amazon Pay logo

    3. Amazon Pay

    Best for: Online stores whose customers already shop on Amazon and want a familiar, quick checkout

    PaidWeb

    57.5

    score / 100

    Why switch from Authorize.net

    Lets shoppers check out with their stored Amazon details, a common add-on or replacement for card forms.

    Pros

    • Shoppers pay with details already saved in their Amazon account
    • No setup fee; you pay per successful transaction
    • One-click setup for Shopify and Stripe stores
    • A-to-z Guarantee gives shoppers extra confidence

    Cons

    • Useless to shoppers who don't have an Amazon account
    • Some merchants are wary of sharing customer data with a retail competitor
    • Features and availability differ a lot from country to country
    Visit Amazon Pay Details and reviews
    How this score is calculated
    Editorial fit ×0.363
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Amazon Pay a good Authorize.net alternative?

    Verified facts

    5 of 5 verified
    Setup fees
    None
    Checked Nov 8, 2026pay.amazon.com(opens source in a new tab)
    Fee model
    Per transaction
    Checked Nov 8, 2026pay.amazon.com(opens source in a new tab)
    Integrations
    Shopify, Stripe
    Checked Nov 8, 2026pay.amazon.com(opens source in a new tab)
    Buyer protection
    A-to-z Guarantee
    Checked Nov 8, 2026pay.amazon.com(opens source in a new tab)
    Buy now, pay later
    Affirm
    Checked Nov 8, 2026pay.amazon.com(opens source in a new tab)
  4. PayPal logo

    4. PayPal

    Best for: People who pay online often or send money to friends across iPhone and Android

    Free plan + paidWeb, iOS, Android

    54.4

    score / 100

    Why switch from Authorize.net

    Adds the PayPal button customers already trust, plus card processing, without a monthly gateway fee.

    Pros

    • Accepted at a very large number of online stores
    • Works on any phone and in the browser
    • Purchase Protection on eligible purchases

    Cons

    • Fees on some transfers, currency conversion and receiving payments
    • Not a full tap-to-pay phone wallet in most countries
    • Features like Pay Later and crypto vary by country
    Visit PayPal Details and reviews
    How this score is calculated
    Editorial fit ×0.352
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is PayPal a good Authorize.net alternative?

    Verified facts

    8 of 8 verified
    Account cost
    Free to open
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Platforms
    iOS, Android
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Buy now, pay later
    Pay in 4, Pay Monthly (US)
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Buyer protection
    Purchase Protection
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    PayPal Checkout fee
    3.49% + fixed fee (US)
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Card payments fee
    2.99% + fixed fee (US)
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Fixed fee
    $0.49 per US dollar transaction
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    International fee
    Extra 1.50% on international commercial payments
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
  5. Square POS logo

    5. Square POS

    Best for: Small cafes, food trucks and shops that want a POS with no monthly fee to start

    Free plan + paidiOS, Android, Web

    52.6

    score / 100

    Why switch from Authorize.net

    One account for in-store card readers and online or invoice payments, a fit for small US merchants.

    Pros

    • Free plan with no monthly fee, only processing charges
    • Pricing and hardware are listed openly and sold online
    • Takes offline card payments for up to 24 hours
    • Connects to Square's payroll, banking and online store

    Cons

    • Payments must run through Square's own processing
    • Kitchen display and kiosk software cost extra per device
    • Offline payments that fail later are the seller's loss
    Visit Square POS Details and reviews
    How this score is calculated
    Editorial fit ×0.346
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Square POS a good Authorize.net alternative?

    Verified facts

    7 of 7 verified
    Free plan
    Yes, Square Free at $0/month
    Checked Nov 8, 2026squareup.com(opens source in a new tab)
    Plus plan
    $49/month per location
    Checked Nov 8, 2026squareup.com(opens source in a new tab)
    In-person card fee
    2.6% + 15¢ (Free plan)
    Checked Nov 8, 2026squareup.com(opens source in a new tab)
    Offline mode
    Offline payments for up to 24 hours
    Checked Nov 8, 2026squareup.com(opens source in a new tab)
    Hardware
    Sold separately
    Checked Nov 8, 2026squareup.com(opens source in a new tab)
    Starting price
    $49/month per location (Square Plus)
    Checked Nov 8, 2026squareup.com(opens source in a new tab)
    Premium plan
    $149/month per location
    Checked Nov 8, 2026squareup.com(opens source in a new tab)
  6. Clover logo

    6. Clover

    Best for: Restaurants and shops that want bank-backed POS hardware with an app market for add-ons

    PaidAndroid, iOS, Web

    51.2

    score / 100

    Why switch from Authorize.net

    Merchant hardware plus online payments for shops that mostly sell at the counter.

    Pros

    • Hundreds of third-party apps in the Clover App Market
    • Packages tailored to restaurants, retail and service businesses
    • Virtual Terminal takes payments from a browser with no device
    • Widely sold through banks and retailers, with local support options

    Cons

    • Terms and fees can differ depending on the bank or reseller you buy from
    • Processing fees are charged on top of the monthly software fee
    • Accounts need credit approval before you can start
    Visit Clover Details and reviews
    How this score is calculated
    Editorial fit ×0.341
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Clover a good Authorize.net alternative?

    Verified facts

    8 of 8 verified
    Pricing model
    Monthly software fee plus processing
    Checked Nov 8, 2026clover.com(opens source in a new tab)
    App market
    Hundreds of third-party apps
    Checked Nov 8, 2026clover.com(opens source in a new tab)
    Virtual Terminal
    Yes, browser-based payments
    Checked Nov 8, 2026clover.com(opens source in a new tab)
    Where to buy
    Clover.com, banks and retailers
    Checked Nov 8, 2026clover.com(opens source in a new tab)
    Starting price
    $16/month for 36 months or $349 upfront (Basic retail system)
    Checked Nov 3, 2026clover.com(opens source in a new tab)
    Standard plan
    $1,899 hardware + $84.95/month (retail)
    Checked Nov 3, 2026clover.com(opens source in a new tab)
    Advanced plan
    $2,648 hardware + $104.90/month (retail)
    Checked Nov 3, 2026clover.com(opens source in a new tab)
    In-person card fee
    2.3% + 10¢ to 2.6% + 10¢ per transaction
    Checked Nov 3, 2026clover.com(opens source in a new tab)

The best Authorize.net alternative for…

The highest-ranked app in this list for each need.

Stripe logo

Best Authorize.net alternative for most people

Stripe

Developer-friendly online payments with modern APIs, subscriptions and invoicing, no separate merchant account to arrange.

PayPal logo

Best Authorize.net alternative for a free plan you can upgrade

PayPal

Adds the PayPal button customers already trust, plus card processing, without a monthly gateway fee.

Adyen logo

Best Authorize.net alternative for iPhone and Android

Adyen

Enterprise-grade single platform for online, in-store and global payment methods, for larger merchants outgrowing a gateway.

Amazon Pay logo

Best Authorize.net alternative for working in the browser

Amazon Pay

Lets shoppers check out with their stored Amazon details, a common add-on or replacement for card forms.

Authorize.net alternatives: common questions

What is the best alternative to Authorize.net?

Stripe ranks first right now. Developer-friendly online payments with modern APIs, subscriptions and invoicing, no separate merchant account to arrange. Adyen and Amazon Pay follow it in our ranking.

Authorize.net vs Stripe: what's the difference?

Both Authorize.net and Stripe are paid products. Only Stripe runs on iOS and Android.

Is Authorize.net free?

Authorize.net is a paid product. Monthly fee: $25 per month. Checked on Authorize.net's own site, November 2026.

How much do Authorize.net alternatives cost?

Verified prices for the top-ranked Authorize.net alternatives: Stripe, $10 per month; Square POS, $49/month per location (Square Plus); Clover, $16/month for 36 months or $349 upfront (Basic retail system). Each price was checked on the app's own site; see each card below for the date and source.

Is there a free alternative to Authorize.net?

Yes. PayPal (free plan + paid) and Square POS (free plan + paid) have a free option. Check each app's verified facts for current plan limits.

Is there an open-source alternative to Authorize.net?

None of the 6 alternatives in this list is open source.

Why do people switch from Authorize.net?

The complaints we hear most: monthly fee on every plan, unlike pay-as-you-go processors; eCheck is limited to US-based businesses; aimed at the US market rather than global selling.

How is this list ranked?

Every app is scored with the same published formula: how directly it replaces Authorize.net, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.