Detailed Comparison

PayArmorX vs Authorize.Net

A comprehensive comparison of features, fees, and benefits to help you make the best choice for your business.

PayArmorX

PayArmorX

The Future of Payment Processing

Transaction Fee0.8% - 1%
Chargeback Fee$0
SettlementInstant
Crypto Support
Authorize.Net

Authorize.Net

Accept payments online

Transaction Fee2.9% + $0.30 (gateway fee: $25/month or $0.10 per transaction)
Chargeback Fee$25 per chargeback
Settlement2-3 business days
Crypto Support

Save up to 72% on transaction fees

With PayArmorX, you'll pay 0.8% - 1% per transaction compared to 2.9% + $0.30 (gateway fee: $25/month or $0.10 per transaction) with Authorize.Net. That's significant savings that add up over time.

Calculate Your Savings

Enter your monthly processing volume to see how much you could save with PayArmorX

$10K
$1K$500K$1M+
Monthly Cost with Authorize.Net
$375
Fees: $350
Chargebacks: $25
Monthly Cost with PayArmorX
$90
Fees: $90
Chargebacks: $0
Monthly Savings
$285
Annual Savings$3,420
You save76.0%compared to Authorize.Net
Lower Fees
$260 saved on fees
Zero Chargebacks
$25 saved on chargebacks
Instant Settlement
No waiting periods

Feature Comparison

Detailed side-by-side comparison of key features

FeaturePayArmorXAuthorize.Net
Transaction Fees
0.8% - 1%
2.9% + $0.30 (gateway fee: $25/month or $0.10 per transaction)
Chargeback Fees
$0 (No traditional chargebacks)
$25 per chargeback
Settlement Time
Instant
2-3 business days
Setup Fees
$0
$0
Cryptocurrency Support
Yes
No

PayArmorX Features

What makes us better

  • Zero chargebacks - blockchain finality
  • Lowest transaction fees in the industry
  • Instant settlement - no waiting periods
  • Multiple payment methods including crypto
  • No setup fees or monthly minimums
  • Transparent pricing
  • Modern API and developer tools
  • Real-time analytics

Authorize.Net Overview

What to know

Pros:

  • Established platform
  • Good fraud detection
  • Recurring billing features
  • Customer information manager
  • Reliable service

Cons:

  • Monthly gateway fee ($25)
  • Higher transaction fees
  • Outdated interface
  • Limited payment methods
  • No cryptocurrency support
  • Chargeback fees

Payment Methods

Supported payment methods comparison

PayArmorX

Credit & Debit Cards
Apple Pay
Google Pay
Cryptocurrency
Digital Wallets

Authorize.Net

Credit & Debit Cards
ACH Direct Debit
E-check
Digital wallets (limited)

Why Choose PayArmorX?

Key advantages over Authorize.Net

Lower Fees

Save up to 72% on transaction fees compared to Authorize.Net.

No Traditional Chargebacks

Blockchain-based payment conversion eliminates traditional card network chargebacks. Save on chargeback fees and disputes.

Instant Settlement

Get paid immediately. No waiting periods, no holds, no delays. Your money when you need it.

PayArmorX is Best For

  • E-commerce businesses
  • Digital goods merchants
  • High-risk industries
  • International businesses
  • Crypto-friendly merchants
  • Businesses wanting to eliminate chargebacks

Authorize.Net is Best For

  • Established businesses
  • Recurring billing needs
  • Businesses needing gateway service
  • B2B transactions

Ready to Make the Switch?

Make the switch to PayArmorX. Lower fees, no traditional chargebacks, and instant settlement—all in one platform.