Authorize.Net + GetPayment Merchant Account: Stable Processing for US Businesses Using America's Most Trusted Gateway
Authorize.Net processes $149B+ annually across 400,000+ US merchants. If your ecommerce platform, ERP, or software already has Authorize.Net built in — or if you need a stable, bank-approved merchant account without Stripe's algorithmic risk management — GetPayment provides the underlying merchant account that makes your Authorize.Net integration complete.
No integration changes required for existing Authorize.Net setups. GetPayment configures a new merchant account behind your existing gateway in days — high-risk categories approved, bank-grade account stability, and dedicated support that understands Authorize.Net's full feature set including ARB and CIM.
Authorize.Net Use Cases
Your platform already uses Authorize.Net — just need a new merchant account behind it. GetPayment configures a new MID in 48-72 hours, no code changes.
Stripe closed your account. Need stable processing with Authorize.Net's API familiarity. GetPayment provides bank-approved merchant account + Authorize.Net gateway.
Your business category needs specialist underwriting. GetPayment handles high-risk approval for Authorize.Net merchant accounts.
Built subscription billing on Authorize.Net ARB. GetPayment provides merchant account and optimization support for your ARB setup.
Authorize.Net Challenges We Solve
Authorize.Net Feature Support
Authorize.Net Payment Gateway: Integration and Merchant Account Strategy
Why Merchants Keep Authorize.Net
Authorize.Net has been the industry's backbone payment gateway for 25+ years. Millions of merchants use it not because it's trendy, but because it works reliably at massive scale. Unlike Stripe (which handles everything), Authorize.Net is a pure gateway: you need a separate merchant account with an acquiring bank.
This separation is intentional. Merchants who switch payment processors don't want to rip out their entire gateway integration. They want to keep Authorize.Net and just get a better merchant account. GetPayment provides this exact setup: keep your Authorize.Net integration intact, upgrade your underlying acquiring bank.
CIM (Customer Information Manager) for Subscription and Recurring Billing
Authorize.Net's CIM is a robust tokenization system designed for subscription merchants. Unlike newer gateways focused on one-time payments, CIM excels at recurring billing: subscription management, failed payment retry logic, and dunning workflows.
For SaaS, memberships, and subscription e-commerce, CIM + a stable merchant account = reliable recurring revenue. GetPayment configures your account with optimized retry schedules and intelligent dunning to recover 30-40% of failed subscription payments.
ARB vs CIM: Which System for Your Business
Authorize.Net offers two subscription systems:
- ARB (Automated Recurring Billing) — Simple recurring transactions on fixed schedules. Set-and-forget for fixed-price subscriptions. Good for simple monthly plans.
- CIM (Customer Information Manager) — Full-featured tokenization with flexible retry logic, dunning campaigns, and payment method management. Better for complex subscription models with multiple tiers, prorations, and customer-initiated pauses.
Level 2/3 B2B Processing for Lower Costs
Authorize.Net supports Level 2 and 3 data submission for B2B transactions. Submitting purchase order details, line items, and shipping information qualifies your transactions for lower interchange rates—savings of 0.5-1.5% on B2B sales. For a business processing $1M in B2B monthly, this is $5k-$15k/month in direct savings.
Authorize.Net FAQ
Questions from merchants using or evaluating Authorize.Net.
Authorize.Net Gateway + Stable Merchant Account
Keep your existing Authorize.Net integration. Get a new, stable merchant account — high-risk approved, bank-grade stability.