Authorize.net vs QuickBooks Payments: which one fits your business?
Side-by-side comparison of Authorize.net and QuickBooks Payments — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: it's a tie on our scorecard — pick on fit, not score.
| Scored on | Authorize.net | QuickBooks Payments |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 6 | 9 |
| Fees & pricing | 7 | 6 |
| Customer support | 7 | 5 |
| Features | 9 | 9 |
| 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 | — |
| Monthly Fee | — | $0 (Pay-as-you-go) |
| ACH Transfers | — | 1% (Max $10) |
| Invoiced Cards | — | 2.99% |
| Swiped/Reader Cards | — | 2.5% |
| Instant Deposit Fee | — | 1% additional |
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.
QuickBooks Payments in one paragraph
The gold standard for workflow efficiency, though you pay a premium for the privilege of not having to do your own bookkeeping.
Skip it if: Skip it if you operate in a high-risk industry (like supplements or travel) where chargeback advocacy and account stability are more important than software integration.
Frequently asked questions
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 QuickBooks Payments?
Skip it if you operate in a high-risk industry (like supplements or travel) where chargeback advocacy and account stability are more important than software integration.