Payment Gateway

Authorize.net — America's Most Trusted Payment Gateway

Processing US payments since 1996 — 500,000+ merchants, cards, eCheck ACH bank transfers, Apple Pay, and PayPal. The payment gateway with the longest track record and widest bank compatibility in the US and Canada.

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The Problem

Why does this extension exist?

US and Canadian operators want a payment gateway with the longest track record, widest bank support, and the most stable integration. Authorize.net has processed US payments for 30 years with 99.99% uptime — and critically, supports eCheck ACH bank transfers, which charge 0.75% per transaction compared to 2.9% for card payments. For high-volume fleet operators, eCheck ACH can save tens of thousands annually.

The Solution

What you get

eCheck ACH bank transfer for US and Canada — 0.75% per transaction versus 2.9% for card, massive savings for high-volume fleets
Full card suite — Visa, Mastercard, American Express, Discover, JCB, and Diners Club
Apple Pay and PayPal checkout alongside traditional card payments
Customer Profiles vault — encrypted card-on-file storage for returning driver one-click checkout
Recurring billing — schedule automatic charges for subscription plans, fleet monthly invoices, and wallet auto-topup
Advanced Fraud Detection Suite (AFDS) — transaction velocity checks, BIN-country mismatch detection, and shipping/billing address rules

🎯 Who is this for?

US and Canadian operators who prioritise proven stability, eCheck ACH acceptance for low-cost fleet billing, and compatibility with enterprise accounting systems — especially those already using Authorize.net for other business lines.

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🔌 Modular by design

Enable or disable per tenant. Pay only for what you use. All marketplace extensions integrate seamlessly.

Key Capabilities

Everything included

eCheck / ACH Bank Transfer

US and Canadian bank account debits at 0.75% per transaction. Up to 74% cheaper than card processing for high-volume fleet accounts. Direct bank-to-bank settlement with 2-business-day clearing.

Full Card Suite

Visa, Mastercard, American Express, Discover, JCB, and Diners Club. 30-year compatibility with US and Canadian card issuers — the widest bank acceptance in North America.

Customer Profiles Vault

Encrypted card-on-file and bank account storage. Returning drivers pay with one click without re-entering details. Full PCI compliance managed by Authorize.net.

Recurring Billing

Schedule automatic recurring charges for subscription plans, monthly fleet invoices, and wallet auto-topup. Failed payment retry logic and email notifications built in.

Advanced Fraud Detection (AFDS)

Transaction velocity checks, BIN-country mismatch rules, IP geolocation filters, and shipping/billing address matching — all configurable from the OASIS HUB admin panel.

30-Year Track Record

Processing US payments since 1996. 500,000+ US and Canadian merchants trust Authorize.net. 99.99% uptime across three decades — the most proven payment gateway in North America.

Use Cases

See it in action

How US and Canadian operators use Authorize.net for proven, cost-effective payment processing.

US fleet operator uses eCheck ACH for monthly billing

A US fleet operator with 850 vehicles switches monthly fleet invoices from card to eCheck ACH via Authorize.net. Processing cost drops from 2.9% to 0.75% — a 74% reduction. On $4.2M/year in fleet billing, annual savings total $90,300.

Canadian CPO runs recurring billing for subscription plans

A Canadian CPO enables Authorize.net recurring billing for monthly subscription customers. Automatic failed payment retry reduces involuntary churn by 31%. The accounting team integrates Authorize.net settlement reports directly into their ERP system for zero-manual-effort reconciliation.

AFDS flags stolen card patterns automatically

An operator enables Authorize.net's Advanced Fraud Detection Suite. BIN-country mismatch rules flag international cards being used at domestic charging locations. Fraud chargebacks drop by 82% in 60 days. The operations team reviews flagged transactions in the OASIS HUB admin panel.

Enterprise accounting team exports Authorize.net settlement reports

A US enterprise CPO's finance team exports daily Authorize.net settlement reports directly from OASIS HUB into their QuickBooks Enterprise. All card, ACH, and refund transactions are auto-categorised. Month-end close time drops from 3 days to 4 hours.

Simulated Case Study

US fleet operator cuts payment processing costs by 61% by enabling eCheck ACH through Authorize.net

A US fleet operator managing 1,200 vehicles across 7 states was processing all monthly fleet invoices via corporate credit cards at 2.9% + $0.30 per transaction. Their finance team identified that switching to eCheck ACH via Authorize.net would reduce processing costs to 0.75% with a $0.25 cap. After enabling Authorize.net's eCheck ACH in OASIS HUB, monthly fleet billing processing costs dropped from $18,600 to $7,200 — a 61% reduction. Annual savings: $136,800. The switch was completed in 3 weeks with zero driver re-enrollment required as OASIS HUB migrated existing accounts automatically.

-61%

Processing cost reduction

500k+

Merchants on platform

eCheck ACH

0.75% transaction fee

30 years

Processing track record