Authorize.net Payment Solutions

As a top-tier payment gateway service provider, Authorize.net delivers cost-effective solutions for businesses of all sizes. Moneybox is proud to offer our clients authorize.net, a widely recognized, reliable, and high-quality payment gateway in the industry today. 

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What is Authorize.net?

An Authorize.net gateway—commonly known as an “authnet gateway”—functions as a credit card terminal that integrates with your website, allowing you to accept online payments effortlessly. Payment gateways are responsible for encrypting, authorizing, and facilitating credit card transactions. Therefore, a gateway is essential for businesses looking to process credit card transactions fully online or via phone.

As a subsidiary of Visa, Authorize.net is supported by one of the largest credit card networks globally. With Visa’s endorsement, it is well-positioned to maintain its status as a premier payment gateway provider, offering cutting-edge security solutions to businesses.

How Does the Authnet Payment Gateway Work?

The Authnet payment gateway securely transmits transaction data using the HTTPS protocol, ensuring sensitive information is communicated quickly and safely to all relevant parties. In return for this high-level security, each transaction processed through your gateway incurs a fee—a small cost to protect your business and your customers’ financial information.

When a customer purchases on your eCommerce website or uses the manual key-in method, Authorize.net captures and authorizes the transaction. Once the transaction is verified and approved, the funds are transferred from the issuing bank to the acquiring bank and deposited into your merchant account.

Other card not present transactions inclue:

  • Over the telephone
  • Mail in
  • Email
  • Typed in the terminal
  • Typed in online over your payment gateway

As the merchant, you can monitor these transactions directly through the Authorize.net interface. This platform allows you to configure your account settings, view transaction history, and analyze real-time reports. Consequently, you can manage transactions online via a secure interface at any time of day.

Authorize.net Payment Gateway Features

  • 24/7 payment processing
  • Built-in virtual terminal
  • Advanced fraud detection
  • Real-time transaction reporting
  • Automated recurring billing
  • Invoice management
  • Streamlined checkout process
  • Compatibility with mobile swipers
  • Account updater
  • Customer information management

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Authorize.net API Integrations & Developer Tools

With Authorize.net’s application programming interface (API), you can quickly start accepting payments, storing customer data, and establishing recurring billing on your business website within minutes. Authorize.net provides comprehensive API developer guides enabling you to integrate alternative payment methods, create data reports, and access essential features.

Moreover, Authorize.net has a dedicated developer forum for addressing API and integration inquiries, which can be particularly helpful if you or your developer encounter any issues. In this forum, you can find answers to commonly asked questions, maintenance notifications, and engage in community discussions.

Frequently Asked Questions

Yes Auth.net can integrate with your Shopify or WooCommerce store.

What industries does Moneybox Merchant Services accept as clients? Moneybox specializes in mid-risk as well as specific high-risk industries (the terms “mid-risk” and “high risk” are used here from the perspective of the merchant services industry). We are proud to serve the following industries:

  • Accounting & Tax Prep
  • Adult
  • Airlines
  • Alcohol
  • Antiques & Collectibles
  • Apparel & Clothing
  • Automotive
  • B2B
  • Bad Credit
  • Bail Bonds
  • Bar & Restaurant
  • Cigars & Tobacco
  • Cleaning Service
  • Clothing & Apparel
  • Collectibles
  • Continuity / Subscription Products
  • Continuity-Subscription
  • Credit Monitoring
  • Debt Consolidation
  • Dental
  • Digital Downloads
  • Digital Streaming
  • Document Preparation
  • Drop Shipping
  • Ecommerce
  • Educational Seminars
  • Electronics
  • Events
  • Furniture & Home Furnishings
  • Guns & Firearms
  • Gyms, Fitness & Yoga
  • Hair & Beauty Salon
  • Health & Fitness
  • Healthcare
  • High Volume
  • Hotel & Hospitality
  • Hotels & Lodging
  • Hunting & Outdoor Equipment
  • Insurance
  • Insurance / Warranty
  • Jet Charter
  • Law Firms
  • Legal Services
  • Magazine Subscriptions
  • Medical Billing & Coding
  • Medical Supplies
  • Membership & Recurring Billing
  • MLM Companies
  • Moving Companies
  • Nonprofit
  • Nutraceuticals & Supplements
  • Online Dating
  • Pawnbrokers & Pawn Shops
  • Pet Products
  • Precious Metals
  • Property Management
  • Real Estate
  • SaaS Companies
  • Self Defense, Tasers & Stun Guns
  • Seminars & Coaching
  • SEO & SEM Services
  • Smoking Accessories
  • Survivalist & Tactical Gear
  • Taxes and Accounting
  • Tech Support
  • Telemedicine
  • Ticket Agencies
  • Tobacco & Cigar
  • Transportation & Moving
  • Travel & Timeshare
  • Travel Agency*
  • Utility
  • Vape / e-Cig / eJuice*
  • Veterinarians
  • Web Design Services

Please note, this is NOT a complete list; Moneybox Merchant Services Inc. serves hundreds of additional mid and low risk industries, too. We do not have a full list of industries we can work with, instead we keep a list of business that we currently can not support. See our FAQ page for more info. If the opportunity is right we will of course try to be considerate.

Sorry, we are unable to provide merchant services for foreign or offshore businesses, or any company that is headquartered, or operates, outside of the USA. We are also unable to provide merchant services for any business whose owner does not have a valid SSN and US issued identification (driver’s license, US passport, etc). That said we are working to fix this issue and should have a solution early 2025.

Yes, your startup or new business can be approved by Moneybox Merchant Services for a merchant account. We love startups! While newer businesses without processing history sometimes encounter hurdles when it comes to approval, Moneybox has helped many brand new businesses get their start in payment processing.

A high-risk merchant account is designed for businesses deemed as “high-risk.” These types of businesses have a greater likelihood of chargebacks, fraud, or other financial risk factors. High-risk businesses require such accounts to be able to accept credit and debit card payments.

Various industries are considered high-risk because of their inherent attributes. Some examples include CBD (Cannabidiol) products, e-cigarettes, vape products, stun guns, credit repair services, multi-level marketing, adult products/services, pawnshops, dietary supplements, SEO services, and tech support.

No central authority determines a business’s high-risk categorization. Every payment processor or bank sets its own standards, often based on internal risk management criteria. Providers assess businesses based on several detailed information bits to ascertain risk levels.

Factors contributing to a high-risk business include being a new business, having poor credit records or low credit scores, operating in controversial or highly regulated industries, relying heavily on international sales, and previous placements on the MATCH list by payment processors.

High-risk merchant accounts differ from regular accounts in several ways such as having a longer application process, higher payment processing fees, cash reserve requirements, volume caps in credit card processing, higher chargeback fees, and additional requirements based on the business type.

A high-risk business should ensure it maintains healthy cash levels, tries to reduce chargebacks, discloses all relevant information during the application process, keeps its financial documents ready, and adheres to the guidelines set by its payment processor.

A high-risk business can find a suitable merchant services provider by researching and listing down payment processors that cater to their industry. Businesses should consider factors like the processors’ experience in their industry, processing fees, equipment provided, customer support, experience with businesses in the same industry, and support for diverse payment methods.

Moneybox Merchant Services Inc. may not cater to all high-risk businesses (e.g. CBD merchants). It offers an upfront underwriting process that identifies risk factors early, saving the merchant time and potential costs. However, if Moneybox cannot service a particular business, they may recommend a processor better suited to your needs.

  • Best Processing & Support

    “We conducted thorough research and compared different pricing options before settling on a new provider. After careful consideration, we chose Moneybox. We have been happy with the results for years since using their services. We interact with the product daily through their website, and most of the payments are automatically processed using Authorize.Net. We find Moneybox to be a reliable and efficient company.”
    – Tom
    Tom Bostic
    Happy Customer

  • Fast Service, Unmatched Customer Service

    “We changed our website and needed to get a new processor fast. Their prompt service and secure system are unmatched. We have been using their services for a while now and have never had any issues. In fact, they even require us to call them once a year to ensure our system is up to date. As our business continues to grow, we are excited to explore the many options that Moneybox has to offer, including a point-of-sale. They have been our go-to solution for everything, from terminal issues to website processing security. We couldn’t be happier with their exceptional service.”
    Valmore Forgett
    Happy Customer

  • Simply Amazing Technical Support

    We were starting a new business and needed a reliable company to process our credit card payments. After some research, we found Host Merchant Services and began working with them in January 2021. The staff has been very helpful, and we’ve had positive experiences with both the Compliance team and technicians. We process payments in person using a terminal, and the service and machine have been excellent with no issues.
    Tony and Sherry
    Happy Customers

  • Consistent Communication

    I had a wonderful experience with this company regarding high risk merchant services. Their consistent communication and daily updates regarding my application status during the approval process were greatly appreciated.
    Christian
    Happy Customer

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