Authorize.Net Vs Braintree: Which One’s Better?

Accepting payments online is perhaps the most important thing for a SaaS company. Since everything you’re offering is mostly cloud-based, it’s only logical that your methods for accepting payments are online as well. This means that businesses have to integrate specific payment gateways that best resonate with their needs and separable expenses.

In this post, we’ll analyze vs Braintree in 2022, a comparison that needs to be made in order to get a clearer picture. Businesses that are finding themselves leaning in between the two payment service providers should read up to figure out which one is better for their business.

Read More: The Best Payment Gateway Integration Options in UK for Subscription-Based SMEs in 2021—2022

Braintree vs Authorize.Net


Authorize.Net is a payment service provider that has been designed for merchants of all niches and industries.

Although it’s only available in Europe, Australia, the US and the UK, Authorize.Net can accept payments from almost any country in the world.

Not only is the provider’s payment processing system seamless, but it’s also fairly easy to incorporate into any system.

It’s true that Authorize.Net can seem a little expensive at first with its outright $25 monthly charge.

However, compared with other alternatives, Authorize.Net vs PayPal would definitely see the former come out on top.

That’s because the monthly charge comes with a significantly lower per-transaction fee cost that doubles the total fee in other payment methods.

Moreover, Authorize.Net comes with fraud identification, management and solutions that minimize risks along with customer information management systems.

In addition to this, if you’re looking to design custom invoices for your customers, you can curate your templates using and save them for later use.

Authorize.Net can easily process the following:

  • Credit and Debit Cards
  • Apple Pay
  • PayPal
  • Visa Checkout

Read More: Check Out Our Ultimate Checkout Guide—Learn What is it and How Does It Help Online Business to Accept Online Payments?

The pricing information for Authorize.Net is as follows:

All In One

If you’re completely new to the business and want to get started right away, you should opt for this plan.

As it comes with an integrated payment gateway option, it becomes seamless to install the one-line code or plugin in your platform.

It’s to be noted that this package is for people who don’t have a merchant account.

The best part about Authorize.Net is that it doesn’t charge you extra for processing recurring or subscription billing. This means your customers can automate the monthly payment with a checkbox.

And since there are no set-up charges that merchants accrue in the beginning, this is one of the most preferred payment service providers to go for.

  • No Set-Up Fee
  • Monthly Gateway: $25
  • Per Transaction Fee: 2.9% + 30 cents

Payment Gateway Only

If you already have a merchant account and want to integrate it using a third-party integration option, this is the package you want to buy.

Also charging you a monthly fee of $25, the Payment Gateway Only package will immediately give you a code to paste in your checkout page and get started.

This package has been tailored to suit the needs of small-medium sized businesses that don’t have a high number and amounts of transactions. You pay a monthly fee and save up on the cost you accrue for each transaction as follows:

  • No Set-Up Fee
  • Monthly Gateway: $25
  • Per Transaction Fee: 10 cents
  • Daily Batch Fee: 10 cents

Authorize.Net vs Braintree 2022 Comparison


Available in more than 45 countries, Braintree can process almost 130+ global currencies. Braintree is a part of PayPal but has been operated as a separate company entirely. This payment gateway was launched in 2007 and since then, has garnered a significant reputation for itself.

Read More: How Price Localization Can Help Expand Your Customer Base Internationally

One of the main things that set Braintree apart from the rest of the competition is the top-tier security it offers.

With advanced levels of fraud protection and an additional layer of 3D Secure to really guarantee an impregnable system.

Similar to PayPal, Braintree also has a reputation among developers and business executives for its seamless integration.

The plug-and-play interface of the payment gateway makes it very easy for merchants to start accepting payments with Braintree’s Drop-in UI.

For customization, Braintree offers its Hosted Fields tool that ensures that you remain PCI compliant and SAQA eligible.

The fact that they have one of the simplest mobile APIs for web applications as well as JavaScript.

Though it’s controversial, some users report that when it comes to Authorize.Net vs Braintree, the latter can prove better.

That’s because rumors say that Authorize.Net will charge you $500-1000 for offering you credit card data portability.

That is to say, to give you data of your clients’ cards, Authorize.Net will charge you to convert it all into a CSV.

The payment methods accepted and processed by Braintree are as follows:

  • Visa
  • Mastercard
  • Discover
  • JCB
  • UnionPay
  • Diner’s Club
  • Digital Wallets
  • Apple Pay
  • Google Pay
  • Samsung Pay

Read More: Credit Card VS. Digital Wallet – Which Payment Method Works Best For Recurring Billing Businesses?

The pricing structure for Braintree is as follows:

2.59% + $.49 per transaction

3.49% + $.49 per transaction for Venmo

0.75% per transaction for ACH, with $5 being the max capped value.

(A $5 unauthorized fee is assessed for each transaction disputed by your customer as unauthorized.)

For American Express cards, the fee is 3.50% per transaction without any additional fee.

Similarly, verified charitable organizations can get a pricing of 1.99% + $.49 per transaction. This fee applies to:

  • Visa
  • Mastercard
  • Discover
  • JCB
  • Diner’s Club
  • UnionPay
  • Digital Wallets

Read More: Scaling Subscription Business With Easier, Faster, and Smarter Recurring Payments Processing

If you’re processing a transaction in any other currency than the USD, you get charged an additional 1%. Similarly, the same additional fee is charged if the customer’s card is issued outside the US.

In addition to this, Braintree charges a flat $15 fee for every chargeback. It’s crucial to note that no refunds are processed on the transaction fee even if the transactions themselves are refunded.

Compare Authorize.Net with Braintree

Clearly, if you’re a SaaS business looking for recurring billing processing, you need to go with Authorize.Net as it’s going to save you a lot of costs in the long-run.

Not only will you be saving the per-transaction fees but you’ll also be accruing reduced taxes and chargeback fees every time a customer decides to open a dispute against you.

If you’re still not sure what to choose, get in touch with experts at SubscriptionFlow to help you process your payments in the most efficient way possible.