Authorize.net vs Hiscox: which one fits your business?
Side-by-side comparison of Authorize.net and Hiscox — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Hiscox wins on our scorecard (7.7/10 vs 7.5/10).
| Scored on | Authorize.net | Hiscox |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 6 | 9 |
| Fees & pricing | 7 | 7 |
| Customer support | 7 | 6 |
| Features | 9 | 8 |
| Monthly Gateway Fee | $25.00 | — |
| Transaction Fee (All-in-One) | 2.9% + $0.30 | — |
| Batch Fee | $0.10 | — |
| Gateway Only Transaction Fee | $0.10 per transaction | — |
| General Liability Starting Price | — | ~$30/mo |
| Professional Liability Starting Price | — | ~$25/mo |
| BOP Bundle Discount | — | Up to 5% |
| Policy Fees | — | Varies by state |
Authorize.net in one paragraph
A rock-solid, professional-grade gateway for businesses that have outgrown simple payment apps and need the stability of the Visa Inc. network.
Skip it if: You are a low-volume side-hustler who doesn't want to pay $25 every month regardless of whether you make a sale.
Hiscox in one paragraph
Hiscox is the gold standard for fast, digital-first insurance for white-collar solopreneurs, but it loses its edge as soon as your business adds physical risk or employees.
Skip it if: You work in a high-risk trade like roofing or tree removal, as you will likely be declined or overcharged.
Frequently asked questions
Which is better, Authorize.net or Hiscox?
On our five-axis scorecard, Hiscox scores higher (7.7/10 vs 7.5/10). Hiscox is the gold standard for fast, digital-first insurance for white-collar solopreneurs, but it loses its edge as soon as your business adds physical risk or employees.
Who should skip Authorize.net?
You are a low-volume side-hustler who doesn't want to pay $25 every month regardless of whether you make a sale.
Who should skip Hiscox?
You work in a high-risk trade like roofing or tree removal, as you will likely be declined or overcharged.