Payment Gateway Software for your online business

Our Payment Gateway account enables you to accept credit card and electronic check payments from your e-commerce Web site.

We understand the evolving needs of Web merchants -- our solutions are designed to help you grow your online business.

Accept a Variety of Payments — All major credit cards, eCheck (electronic checks from bank accounts), gift cards, signature debits, and Internet auctions.

Manage Your Transactions — Use our full-featured Merchant Interface to monitor and control payments through your Web site.

Prevent Fraud — Identify suspicious transactions with our value-adding products and built-in fraud tools.

Risk Management — Sensitive data is stored in the Authorize.Net PCI-compliant data center, never on your computer.

Receive Payments Quickly — Your funds are automatically deposited into your merchant bank account within days.

Free Help — Authorize.Net provides live technical and account support to merchants, as well as access to online documentation and user guides.

Authorize.Net enables all types of merchants to accept secure and reliable credit card and electronic check payments quickly and easily. We offer flexible application programming interfaces (APIs) with no licensing or developing fees, and have numerous certified third-party options that offer quick and secure integration methods. Choose one of the three processes below to get started.

Do It Yourself
Our easy-to-implement Simple Checkout allows customers to purchase single items (in any quantity) using our hosted payment form. Simply enter appropriate item information, and HTML code is created to insert Donate or Buy Now buttons into your Web site.

Merchants and developers with Web expertise and resources who are able to perform their own integration can find time-saving resources such as sample code, documentation, troubleshooting tools, FAQs, and everything else they need to get started in our Integration Center.

Contract a Certified Developer
If you need the expertise and convenience of a Web developer to implement your payment gateway integration, we highly recommend you choose a Certified Developer. Our Certified Developers must meet rigorous integration standards and provide samples of successful integrations.

Select a Pre-Integrated Solution
Choosing a pre-integrated product is often the easiest and most practical integration method. There are several solutions that enable you to submit transactions right away, as well as hundreds of certified, third-party solutions. Our Certified Solutions meet the highest security and integration requirements, including our preferred Advanced Integration Method (AIM)

Merchant Interface

The Merchant Interface is a secure Web site that allows merchants to manage transactions, configure their account settings, view account statements, generate reports and more. It is available from any computer with an Internet connection and Web browser—you never need to download or install any software.

Manage Your Transactions - Submit, review, or void your transactions online. Manually enter payments or issue refunds with the built-in Virtual Terminal, or submit multiple transactions in a single file using the Batch Upload feature. Generate and download reports on settled, declined, and returned transactions; and import downloaded transaction data into your QuickBooks software.

Configure Your Account - Configure the way transactions are handled, including security settings and transaction responses. You can also sign up for value-adding services and important announcements.

Review Account Activity - Search your transaction history based on date, credit card number, customer name, and other fields. Reconcile payment and billing activity using online reports and statements. You can also view your Authorize.Net billing statement and payment history.

Virtual Terminal / Batch Upload

The secure Virtual Terminal and Batch Upload features enable merchants to process credit card and/or eCheck transactions manually. Authorize.Net merchants access the Virtual Terminal and Batch Upload features through the Web-based Merchant Interface. Transactions are immediately submitted for authorization and processing each day.

Virtual Terminal - Virtual Terminal provides the best solution for merchants who manually enter credit card and electronic check transactions for mail order/telephone order (MOTO) sales.

Batch Upload - Submitting multiple transactions in a single file is an efficient way to upload credit card and electronic check transaction data from enterprise applications or other file-based systems.

Payment Gateway Features

Automated Recurring Billing (ARB)

Automated Recurring Billing is a convenient and easy-to-use tool for submitting and managing recurring, or subscription-based, transactions. You can take advantage of ARB’s flexible features to enhance customer service and build customer loyalty, while reducing authorization declines and overall administrative costs.

ARB provides multiple methods for creating subscriptions. Simply create a subscription in the Merchant Interface that includes the customer’s payment information, a billing amount, and payment schedule. Or allow your online customers to choose installment payments from your custom payment form when you integrate your Web site directly to our ARB application programming interface (API). ARB does the rest, generating subsequent transactions based on the schedule provided.

Improve Billing Efficiency - Once a subscription begins, no additional labor is required through the life of the subscription. ARB also includes the ability to customize trial periods and pricing.

Improve Security - Eliminates the need to store sensitive data on computer systems, reducing the risk of compromised customer information.

Enhance Loyalty - ARB allows you to provide customers with a flexible, no-hassle billing plan using either a credit card or our exclusive electronic check service, eChecknet

Reduce Costs - ARB eliminates many of the costs associated with manual billing, with no additional per-transaction fee. In addition, ARB helps you effectively manage your subscriptions with e-mail notifications of upcoming credit card and/or subscription expirations

CVS Customer Information Manager (CIM)

The CVS Customer Information Manager (CIM) allows you to store your customers’ sensitive payment information on our secure servers, simplifying payments for returning customers and recurring transactions. It can also help you comply with the Payment Card Industry (PCI) Data Security Standard, since customer data is no longer stored locally.

CIM is an ideal tool for businesses that need to securely save customer data and provide convenience for their customers.

Process Recurring Transactions - You bill your customers different amounts or on different days each month. (e.g. utility companies)

Process Usage Charges - You bill your customers only when the service is used. (e.g. pay-as-you-go cell phones)

Simplify PCI Compliance - You are concerned with PCI compliance and protecting your customers’ confidential information.

Store Customer Data - You want to provide returning customers with the convenience of not having to re-enter their personal data every time they visit your Web site.

Provide Payment Flexibility - Your customers can store multiple payment methods for repeat purchases.

Save Multiple Shipping Locations - Your customers can also save multiple shipping locations.

eCheck Services

CVS provides an exclusive, fully integrated electronic check payment method, eCheck. Using eCheck, merchants can accept and process payments from consumer and corporate bank accounts directly from their Web site or through the CVS Virtual Terminal. By accepting electronic checks, you expand the payment options available to new and existing customers, enhancing customer loyalty and potentially increasing sales.

Lower Fees - Lower rates than credit cards or PayPal.

More Efficient - eCheck does everything online, eliminating the cost and inconvenience of manually processing paper checks and waiting for checks in the mail.

Fully Integrated Solution - No third-party integration required—implementing eCheck is easy for merchants already using the CVS Payment Gateway.

Integrated Reporting - Provides a combined view of all eCheck and credit card payment transactions. Reconcile payment and billing activity using online reports and statements.

Ship Product Sooner - Improved up-front transaction validation that returns the status of transactions faster.

Security - CVS uses the latest 128-bit Secure Socket Layer (SSL) technology for secure Internet Protocol (IP) transactions.