USD
EUR
AED
GBP
SGD
BDT
INR
PHP
MXN
Authorize.netCompare
Last checked 6 Nov 2026Vezmo vs Authorize.net: gateway, processing and invoices in one
Authorize.net, owned by Visa, is a payment gateway: it connects your checkout to a merchant account. Every plan costs $25 a month, its All-in-one plan adds a merchant account at 2.9% + 30¢ per transaction, and its support center says the merchant account must come from a provider in the US or Canada. Vezmo is one account for card and ACH payments, invoices and payment links: $3.08 on a $100 US card, and the Free plan has no monthly price.
- You sell online from a country Authorize.net doesn't serve, such as Mexico, Brazil or the UAE
- You want no monthly gateway fee: 20 sales of $100 cost $61.60, against $89.00 on All-in-one
- You want proposals, e-signatures and bookkeeping in the account you get paid into
Choose Authorize.net if- You already have a merchant account and want a gateway for it, at 10¢ a payment
- Many customers pay with cards issued abroad: its pricing page lists no extra fee for them
- You want fraud tools, recurring billing and 24/7 live support in the monthly price
At a glance
Vezmo and Authorize.net, side by side.
Authorize.net’s details are from its own website, checked 6 Nov 2026; each one links to its source. Things change, so check Authorize.net’s site before you decide.
| Feature | Vezmo | Authorize.net |
|---|---|---|
| Who can sign up | VezmoBusinesses, including freelancers, in the US, Mexico, Brazil, the Philippines, Kenya, Vietnam, the UAE, Singapore, Malaysia and more; checked when you apply | Authorize.netNeeds a merchant account from a provider based in the US or Canada; each account takes one currency, USD or CADSource |
| Monthly price | VezmoFree $0, with a $15 upkeep fee only in a quarter when the account is quiet; Grow $29 and Pro $99 a month are optional | Authorize.net$25 a month on every plan: All-in-one, Gateway only and Gateway + eCheck. No setup feeSource |
| A card payment online | Vezmo2.79% + $0.29 per card charge: $3.08 on $100. Optional fraud screening and approval optimization add-ons are extra | Authorize.netAll-in-one: 2.9% + 30¢ per transaction, $3.20 on $100, subject to eligibilitySource |
| With your own merchant account | VezmoNot needed: processing is part of VezmoPay | Authorize.netGateway only: 10¢ per transaction and a 10¢ daily batch fee, on top of your merchant account's own ratesSource |
| Cards issued outside the US | Vezmo+1% for cards issued outside the US | Authorize.netNo extra fee listed on its pricing pageSource |
| American Express | Vezmo2.89% + $0.49: $3.38 on $100 | Authorize.netNo separate price listed on its pricing pageSource |
| Bank payments (ACH) | Vezmo0.9% + $1.00, capped at $10.00 | Authorize.neteCheck: 0.75% per payment with a $10 monthly minimum, for businesses based in the USSource |
| Fraud tools | VezmoOptional fraud screening with 3D Secure: $0.10 per card charge | Authorize.netAdvanced Fraud Detection Suite included, $0 a monthSource |
| Invoices and recurring billing | VezmoInvoices, payment links, subscriptions and checkout, built in (live) | Authorize.netDigital invoicing, recurring billing and a customer vault, included in the monthly priceSource |
| Disputes | Vezmo$20.00 per dispute, win or lose; $15.00 to respond, returned if you win | Authorize.net$0.00 per card chargeback on its fee table (an All-in-one merchant account may have its own terms); $25.00 per eCheck chargebackSource |
| Selling in person | VezmoNot offered: Vezmo has no card readers or POS | Authorize.netA compatible card reader through its virtual or mobile point of saleSource |
| Getting your money | VezmoFree to your bank, when you choose | Authorize.netTypically within 2–3 business days after your daily batch settlesSource |
| Stablecoin | VezmoUSDC on Base and Solana, kept in your own stablecoin wallet (early access) | Authorize.netNone listedSource |
| How your money is held | VezmoHeld by regulated partners & Bank; Vezmo itself is not a bank. Details | Authorize.netSee Authorize.net’s own disclosures on its website. |
In practice
What your card payments cost.
The same payments on both price lists: Authorize.net's All-in-one plan from its own pricing page, Vezmo's from its pricing page.
Each bar uses only that company's published lines, checked 6 Nov 2026. Vezmo's are starting rates, confirmed when we approve your account. With Gateway only, the cost depends on your own merchant account, so it isn't shown.Every Vezmo fee
- Vezmo2.79% + $0.29$96.92fee $3.08
- Vezmo+1% international card$95.92fee $4.08
- Vezmo Free20 × $3.08; no monthly price$1,938.40fee $61.60
- Vezmo, ACH0.9% + $1.00, capped at $10$494.50fee $5.50
Where Authorize.net is better
What Authorize.net does well.
- 10¢Your own merchant accountAlready have one? Gateway only connects it for 10¢ a payment and a 10¢ daily batch fee, and Authorize.net works with 9 North American processors.
- $3.20Cards from abroadA $100 card issued outside the US costs $3.20 on All-in-one: its pricing page lists no international fee. Vezmo adds 1%, so $4.08.
- $0Fraud tools and support includedIts Advanced Fraud Detection Suite, recurring billing and customer vault cost nothing on top of the plan, with 24/7 live support.
- 0.75%Smaller bank paymentsFor US businesses, eCheck at 0.75% costs less than Vezmo's 0.9% + $1.00 on any invoice under $1,333.
Who Vezmo is for
Where Vezmo fits.
- $0No monthly gateway feeVezmo's Free plan has no monthly price; every Authorize.net plan is $25 a month. On 20 sales of $100, that's $61.60 with Vezmo against $89.00 on All-in-one.
- $3.08US card paymentsA $100 US card costs $3.08 with Vezmo, against $3.20 on Authorize.net's All-in-one plan, before its monthly fee.
- Sellers outside the US and CanadaAuthorize.net needs a merchant account from a US or Canadian provider. Businesses in Mexico, Brazil, the UAE, Singapore, Malaysia and more can apply to Vezmo; we check each one.
- $10Large bank paymentsACH is 0.9% + $1.00, capped at $10.00, so from $1,334 up it costs less than Authorize.net's 0.75% eCheck rate.
Switching
Moving to Vezmo, or using both.
- 1Open VezmoPayApply once. Your exact rate is confirmed in writing before you take your first payment.
- 2Move your online checkoutSend invoices and payment links from Vezmo, or add checkout to your own site or WooCommerce store.
- 3Keep Authorize.net where it fitsIf a merchant account or an in-store card reader runs through Authorize.net, keep it there and take online payments with Vezmo.
More options
Other Authorize.net alternatives.
- Best for: US and Canadian sellers with volume
Interchange plus 0.50% + 25¢ online, falling as your monthly volume grows, and no monthly fee.
- Best for: Selling in person and online
No monthly fee on its Free plan; 2.9% + 30¢ through its payments APIs and 2.6% + 15¢ in person (US).
- Best for: Checkout buyers already know
3.49% + $0.49 with PayPal Checkout and 2.99% + $0.49 by card, on its US fee page.
How much does Authorize.net cost?
Every plan is $25 a month, with no setup fee. All-in-one, which includes a merchant account, adds 2.9% + 30¢ per transaction: $3.20 on $100. Gateway only, for your own merchant account, adds 10¢ per transaction and a 10¢ daily batch fee, plus that account's rates. eCheck costs 0.75% per payment for US businesses, with a $10 monthly minimum.
Is Vezmo cheaper than Authorize.net?
On US card payments, yes, at the published rates: $3.08 on a $100 card against $3.20 on All-in-one, and Vezmo's Free plan has no monthly price against $25. Authorize.net costs less on cards issued abroad ($3.20 against $4.08) and on US bank payments under $1,333. Vezmo's rates are starting rates, confirmed when we approve your account.
Can I use Authorize.net outside the US?
Only with a merchant account from a provider in the US or Canada. Authorize.net's support center says that's required, that each account takes one currency, and it asks businesses located elsewhere to contact Cybersource. Businesses in Mexico, Brazil, the UAE, Singapore, Malaysia and many more countries can apply to Vezmo.
Authorize.net vs Square: which costs less?
Online, Square's Free plan has no monthly fee and charges 3.3% + 30¢ for invoices and Square Online, or 2.9% + 30¢ through its payments APIs. Authorize.net's All-in-one charges 2.9% + 30¢ plus $25 a month. In person, Square charges 2.6% + 15¢ on its Free plan. Square takes cards in 8 countries; Authorize.net needs a US or Canadian merchant account.
Vezmo vs SquareDoes Vezmo replace a payment gateway?
For online payments, yes. Vezmo's checkout, invoices, payment links, WooCommerce plugin and API take the payment and process it, so you don't need a separate gateway or merchant account. Vezmo has no card readers for in-person sales.
Does Vezmo charge a monthly fee?
The Free plan has no monthly price; a $15 upkeep fee applies only in a quarter when the account is quiet. Grow ($29) and Pro ($99) are optional. A monthly account fee can apply to VezmoPay depending on your business type, volume and risk profile; if one does, you'll know before you take a payment.
Is Vezmo a bank?
No. Vezmo is a financial technology company, not a bank. Banking, stablecoin and card services are provided by regulated partners & Banks.
Sources, checked 6 Nov 2026
Authorize.net’s name and logo are trademarks of its owner. This page compares public information and isn’t endorsed by Authorize.net. Vezmo is a financial technology company, not a bank. Banking, stablecoin and card services are provided by regulated partners & Banks.