Does CARDZ3N offer Authorize.net?

Yes. CARDZ3N is an authorized reseller of Authorize.net, alongside its own NMI, FluidPay, and USAePay gateway lineup. A merchant who boards Authorize.net through CARDZ3N gets the same Authorize.net platform, with CARDZ3N handling underwriting, quoting, and ongoing account support.

How does pricing work when I get Authorize.net through CARDZ3N?

Authorize.net publishes its standard per-transaction and monthly gateway fees directly on its own site, including a separate eCheck rate. As an authorized reseller, CARDZ3N is the quoting and selling party for the account — handling underwriting, boarding, and support — while the merchant still gets Authorize.net's published gateway platform.

What's Authorize.net's API architecture like?

Authorize.net routes every transaction through one request-driven XML/JSON endpoint — a stable, well-documented design. If a merchant wants a more modern, per-resource REST API instead, CARDZ3N's own USAePay gateway is worth discussing, with separate endpoints for transactions, tokens, batches, customers, and more.

Is Authorize.net a good fit for high-risk or high-volume merchants?

Authorize.net is a solid platform for many merchants, and CARDZ3N supports it as an authorized reseller. For businesses at high volume or in harder-to-place verticals, CARDZ3N's own NMI gateway option offers 150+ processor connections and native Multi-MID routing — CARDZ3N can help determine which gateway fits your specific risk profile and volume.

I'm already on Authorize.net elsewhere — can I move my account to CARDZ3N?

Yes. CARDZ3N can rebroker your existing Authorize.net account under its authorized reseller relationship, or help you migrate to one of CARDZ3N's own NMI or FluidPay gateways if that's a better fit. Either way, CARDZ3N's team will walk through what the move looks like for your specific setup.

Should I switch gateways if I'm already using Authorize.net?

Not necessarily. If your ecommerce platform or shopping cart is already integrated with Authorize.net's CIM and ARB, CARDZ3N can simply take over as your authorized reseller with no migration required. It's worth talking through CARDZ3N's full gateway lineup — Authorize.net, NMI, FluidPay, and USAePay — when your processing needs, volume, or feature requirements change, not as a default reason to switch.

On this page

What Is Authorize.net

Pricing & the Customer Vault vs. CIM

API Architecture & ARB

How CARDZ3N's Model Differs

Frequently Asked Questions

Authorize.net Through CARDZ3N: What You Get as an Authorized Reseller

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Authorize.net is a payment gateway owned and operated by Visa and CyberSource, used by merchants worldwide for card and eCheck processing, tokenized vault storage, and recurring billing. CARDZ3N is an authorized reseller of Authorize.net — one of the gateway options CARDZ3N offers alongside its own NMI, FluidPay, and USAePay lineup — so a merchant who wants Authorize.net's platform gets it boarded, supported, and serviced through CARDZ3N, rather than managing that relationship direct.

Pricing & the Customer Vault

Authorize.net's published rate card is a standard per-transaction rate plus a monthly gateway fee on its All-in-One plan, with no setup fee. eCheck (ACH) transactions run a separate, lower published rate, and an optional gateway-only tier lets a merchant bring its own processor relationship and negotiate interchange-plus pricing separately. When a merchant boards Authorize.net through CARDZ3N, CARDZ3N handles the underwriting, quoting, and ongoing account support on top of that same published gateway.

As an authorized reseller, CARDZ3N quotes every merchant individually across services and hardware, and is always the underwriting, quoting, and selling party — whether the gateway is Authorize.net or one of CARDZ3N's own NMI, FluidPay, or USAePay options. That means a merchant working with CARDZ3N gets one point of contact and one support relationship regardless of which gateway platform ends up being the right fit.

On the vault side, Authorize.net's Customer Information Manager (CIM) tokenizes and stores payment info on secure servers, organizing multiple payment methods and shipping addresses under one customer profile, with an Account Updater that auto-refreshes card data and support for Apple Pay and Google Pay tokens. For merchants who want a different vault architecture, CARDZ3N's own NMI and FluidPay gateways offer the Customer Vault — Level 1 PCI compliant since 2004, with an optional 3 Step Redirect Method that removes payment data from a merchant's checkout page entirely. CARDZ3N can walk through which vault fits a given integration best, Authorize.net's CIM or its own gateway lineup's Customer Vault.

Getting Authorize.net through CARDZ3N means the same trusted gateway platform, plus CARDZ3N's underwriting, boarding, and merchant support layered on top.

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Authorize.net: standard per-transaction rate plus monthly gateway fee, boarded and supported through CARDZ3N
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Authorize.net eCheck (ACH): separate published transaction fee, same monthly gateway fee
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CARDZ3N: authorized reseller for Authorize.net, NMI, FluidPay, and USAePay — every account quoted individually
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CARDZ3N's own NMI/FluidPay Customer Vault: Level 1 PCI compliant since 2004, available if you want an alternative to Authorize.net's CIM

API Architecture & Automated Recurring Billing

Authorize.net authenticates with an API Login ID plus Transaction Key and routes every transaction type — charges, refunds, voids, subscription management, customer-profile changes — through one unified endpoint, in either XML or JSON. It's a request-driven design that's been stable for years and is well documented. For merchants who'd rather build against a modern, per-resource REST API instead, CARDZ3N's own USAePay gateway is an alternative worth discussing — dedicated endpoints for transactions, tokens, batches, customers, payment methods, recurring schedules, products, and inventory, authenticated via HTTP Basic Auth with a SHA-256 hash.

On recurring billing, Authorize.net's Automated Recurring Billing (ARB) supports weekly, monthly, or custom intervals with trial periods, processes nightly around 2:00 a.m. PST, and tracks explicit subscription lifecycle states — Active, Expired, Suspended, Canceled, Terminated — plus duplicate detection across 17 merchant and customer data fields. It's a mature, well-documented system, and CARDZ3N supports merchants running on it as part of the standard Authorize.net reseller relationship — for merchants weighing alternatives, CARDZ3N's own NMI Recurring Billing offers a batch-upload option built for scale, processing up to 50,000 transactions in about 90 minutes.

What CARDZ3N Adds on Top of Authorize.net

CARDZ3N is an authorized reseller of Authorize.net, meaning a merchant gets Authorize.net's published gateway platform with CARDZ3N handling underwriting, boarding, and ongoing account support — the same relationship CARDZ3N provides for its own NMI, FluidPay, and USAePay gateway lineup. That gives a CARDZ3N merchant on Authorize.net one point of contact for support and quoting, plus the option to explore NMI's 150+ processor connections or USAePay's modern REST API if their needs change down the road — all under one seller of record.

Authorize.net's transparent, self-serve rate card and stable, well-documented API are genuine strengths, and that's exactly why CARDZ3N carries it as part of its gateway lineup. Whether Authorize.net, NMI, FluidPay, or USAePay is the right fit depends on a merchant's processing needs, volume, and integration — CARDZ3N's team can walk through the options and get the right gateway boarded, with CARDZ3N handling the underwriting and support either way.