📊 Head-to-Head Comparison

Liberty Bancard vs Authorize.Net

Legacy Gateway Fees vs. Modern Transparent Pricing
Authorize.Net charges a $25/month gateway fee plus per-transaction fees on top of your processor's rates. Liberty Bancard offers transparent all-in pricing with no separate gateway fees for most programs.

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Price Comparison Snapshot

Based on typical monthly volume merchants

Authorize.Net

$640/month

/month estimate ($20,000/month)

Est. Annual Savings

$3,060*

switching to Liberty Bancard*

Liberty Bancard

$385/month*

/month estimate*

Feature Comparison

Liberty Bancard wins 8 categories, Authorize.Net wins 2, and 0 are tied.

Feature	Authorize.Net	Liberty Bancard	Advantage
Pricing Model	Bundled/tiered + gateway fee	Interchange-plus, transparent	✓ Liberty Bancard
Monthly Gateway Fee	$25/month	No separate gateway fee (most programs)	✓ Liberty Bancard
Per-Transaction Fee	$0.10 per transaction + processor fee	Included in interchange-plus markup	✓ Liberty Bancard
Setup Fee	Up to $99	$0 setup	✓ Liberty Bancard
Dedicated Account Rep	Not available	Dedicated local rep	✓ Liberty Bancard
0% Processing Programs	Not available	Compliant surcharge/cash discount	✓ Liberty Bancard
Free Statement Review	Not offered	Free detailed analysis	✓ Liberty Bancard
eCommerce Integration	Extensive — 100+ integrations	Gateway partnerships available	✓ Authorize.Net
Brand Recognition	Very high — industry standard	Regional leader	✓ Authorize.Net
Customer Support	Phone/chat/email	Dedicated rep + support team	✓ Liberty Bancard

Authorize.Net: Pros

✓Industry-standard gateway with 100+ integrations
✓Very high brand recognition
✓Extensive developer tools and APIs
✓Trusted by major eCommerce platforms

Authorize.Net: Cons

✗$25/month gateway fee regardless of volume
✗$0.10 per-transaction charge on top of processor fees
✗No dedicated account rep for most merchants
✗Bundled pricing lacks transparency
✗No 0% processing programs

Liberty Bancard Advantages

✓No separate $25/month gateway fee
✓Interchange-plus pricing shows exact cost breakdown
✓Dedicated local rep included
✓Free statement analysis before you switch
✓Liberty Zero™ — pay $0 to accept cards (where eligible)*

Who Should Choose Which?

Who Should Use Authorize.Net

Authorize.Net is worth keeping if you depend on its specific integrations with your eCommerce stack, or if your processor already bundles it without an extra fee. As a standalone gateway, the $25/month fee adds up.

Who Should Use Liberty Bancard

Liberty Bancard is the better choice for in-person businesses and those who want to eliminate the $25/month gateway fee, get transparent interchange-plus pricing, and have a dedicated rep handle their account.

Frequently Asked Questions

What is Authorize.Net's monthly fee?

Authorize.Net charges a $25/month gateway fee for merchant accounts, plus $0.10 per transaction. These fees are on top of your payment processor's rates. For many businesses, this adds $300-$600+ per year in base costs alone.

Is Authorize.Net a payment processor?

Authorize.Net is a payment gateway, not a full payment processor. It routes transactions to your processor (like a bank or ISO). Liberty Bancard is a merchant services provider that includes gateway functionality in your pricing, so you're not paying twice.

Can I keep Authorize.Net and add Liberty Bancard?

In most cases you can continue using Authorize.Net as a gateway while working with Liberty Bancard as your merchant services provider. However, many businesses switch fully to avoid the $25/month gateway fee. A free statement review will clarify the best path for your setup.

How much do I save eliminating the $25/month Authorize.Net fee?

Eliminating the $25/month gateway fee saves $300/year before accounting for rate improvements. When you also switch to interchange-plus pricing, total annual savings are typically $1,500-$4,000 for businesses processing $15,000+/month.

Ready to See Your Real Savings?

Upload your Authorize.Net statement and we'll show you a line-by-line comparison with exactly how much you'll save. Free, no obligation.

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