Pricing behavior — Payments & Billing APIs • Pricing

Pricing for AuthorizeNet

How pricing changes as you scale: upgrade triggers, cost cliffs, and plan structure (not a live price list).

Sources linked — see verification below.

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Cost cliffs Upgrade triggers Limits

Freshness & verification

Last updated 2026-02-09 Intel generated 2026-01-10 2 sources linked

Pricing behavior (not a price list)

These points describe when users typically pay more and what usage patterns trigger upgrades.

Actions that trigger upgrades

Transaction volume exceeds 1,000/month - negotiate lower per-transaction fees
Need recurring billing - Account Updater add-on ($75/month) required
Require advanced fraud rules beyond basic AFDS - custom configurations available
International expansion needs multi-currency settlement accounts
Need payment tokenization for stored cards - CIM add-on may be required

What gets expensive first

$25/month gateway fee cannot be waived - fixed cost regardless of volume
Daily batch settlement means 1-2 day delay for funds (vs Stripe's 2-day rolling)
Account Updater for recurring billing costs $75/month extra (Stripe includes free)
Transaction fee ($0.10) adds $100/month at 1,000 transactions vs competitors
API rate limits undocumented - potential throttling during high-volume periods
Refunds do not return gateway fee or transaction fee - lose $0.40 per refunded transaction

Plans and variants (structural only)

Grouped by type to show structure, not to rank or recommend SKUs.

Plans

All-In-One - $25/month gateway + 2.9% + 30¢ + $0.10 per transaction - Includes Virtual Terminal, AFDS fraud tools
Account Updater - +$75/month - For recurring billing and stored card updates

Enterprise

Enterprise - Custom pricing - Volume discounts, dedicated support for high-volume merchants

Next step: constraints + what breaks first

Pricing tells you the cost cliffs; constraints tell you what forces a redesign.

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Sources & verification

Pricing and behavioral information comes from public documentation and structured research. When information is incomplete or volatile, we prefer to say so rather than guess.