Authorize.net vs Phone.com: which one fits your business?
Side-by-side comparison of Authorize.net and Phone.com — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Authorize.net wins on our scorecard (7.5/10 vs 7.3/10).
| Scored on | Authorize.net | Phone.com |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 6 | 8 |
| Fees & pricing | 7 | 8 |
| Customer support | 7 | 6 |
| Features | 9 | 7 |
| 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 | — |
| Basic Plan (Annual) | — | $12.74/mo |
| Plus Plan (Annual) | — | $18.69/mo |
| Pro Plan (Annual) | — | $27.19/mo |
| Activation Fee | — | $0 |
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.
Phone.com in one paragraph
Phone.com is the best budget-friendly choice for solo owners and small clinics needing HIPAA compliance without enterprise complexity.
Skip it if: Skip it if you have more than 5 employees who are on the phone constantly, as unlimited plans elsewhere will be cheaper.
Frequently asked questions
Which is better, Authorize.net or Phone.com?
On our five-axis scorecard, Authorize.net scores higher (7.5/10 vs 7.3/10). A rock-solid, professional-grade gateway for businesses that have outgrown simple payment apps and need the stability of the Visa Inc. network.
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 Phone.com?
Skip it if you have more than 5 employees who are on the phone constantly, as unlimited plans elsewhere will be cheaper.