Authorize.net website screenshot

Authorize.net

Authorize.net is a leading payment gateway providing secure online payment processing for merchants. It offers a POST-based XML/JSON API, Accept.js hosted payment forms, the Accept Hosted solution, recurring billing (ARB), customer profile management (CIM), advanced fraud detection, and webhooks. Official SDKs are available for PHP, .NET, Java, Ruby, Python, and Node.js.

Authorize.net publishes 1 API on the APIs.io network: Transactions API. Tagged areas include Accept.js, Credit Cards, eChecks, Fraud Detection, and Payment Gateway.

Authorize.net’s developer surface includes authentication, sandbox, changelog, documentation, developer portal, engineering blog, signup flow, and 24 more developer resources.

51.2/100 developing ▬ flat Agent 37/100 agent ready saas Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0
AccessFreemiumSelf serve⚡ Free to try
5 APIs 1 MCP Servers 8 Features 5 Use Cases
Accept.jsCredit CardseChecksFraud DetectionPayment GatewayPaymentsRecurring BillingTransaction

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0
Composite quality — 51.2/100 · developing
Contract Quality 12.3 / 21
Developer Ergonomics 8.9 / 17
Access Clarity 10.5 / 17
Operational Transparency 4.7 / 11
Contract Governance 0.0 / 10
Discoverability 6.3 / 9
Regulatory Posture 5.9 / 15
Agent readiness — 37/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
Documented Reversibility 0 / 6
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/authorize-net: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 5

Individual APIs this provider publishes, each with its own machine-readable definition.

Authorize.net Payment API

The Authorize.net Payment API enables merchants to process credit card, debit card, eCheck, Apple Pay, Google Pay, and PayPal transactions via a POST-based XML/JSON API with API...

Authorize.net Recurring Billing API

The Authorize.net Automated Recurring Billing (ARB) API enables merchants to create, update, and cancel subscription-based payment schedules for recurring charges.

Authorize.net Customer Profiles API

The Authorize.net Customer Information Manager (CIM) API enables secure storage and management of customer payment profiles including credit cards and bank accounts for reuse in...

Authorize.net Webhooks

Authorize.net Webhooks deliver real-time event notifications for transaction, subscription, and fraud management events to merchant-configured HTTP endpoints.

Authorize.net Transactions API

Charge, authorize, capture, void and refund transactions.

Postman Collections 1

Ready-to-run Postman collections for exercising this provider's APIs.

Open Collections 3

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Authorize.Net API

OPEN COLLECTION

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

MCP Server

MCP SERVER

Pricing Plans 1

Published pricing tiers and plan structures.

Rate Limits 1

Documented rate limits and quota policies.

Authorize Net Rate Limits

5 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Features 8

Notable capabilities this provider offers.

Payment Processing

Accept credit cards, debit cards, eChecks, Apple Pay, Google Pay, and PayPal via a single unified API.

Accept.js

Client-side JavaScript library that tokenizes payment data in the browser to keep merchant servers out of PCI scope.

Accept Hosted

Fully hosted payment form that redirects customers to Authorize.net for payment collection with iframe support.

Recurring Billing (ARB)

Automated recurring billing for subscriptions and installment plans with flexible scheduling options.

Customer Profiles (CIM)

Securely vault customer payment methods for future charges without storing sensitive card data.

Fraud Detection Suite

Advanced fraud detection tools including velocity controls, IP blocking, card security code verification, and address verification.

Webhooks

Real-time event notifications for transaction completions, declines, fraud holds, and subscription events.

MCP Server

Official Authorize.net MCP server for AI-assisted payment processing integration at github.com/AuthorizeNet/authorize-net-mcp.

Scroll for all 8

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Authorize Net Authentication

apiKey · 1 scheme

SECURITY

Authorize Net Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Authorize Net Trust Center

PCI DSS, SSAE-18 (SOC 1), Sarbanes-Oxley (SOX)

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Authorize Net Agentic Access

1 operation · 1 acting

1 operations · 1 acting

AGENTIC

Use Cases 5

What developers build with this provider.

E-Commerce Payment Processing

Accept payments on web storefronts using Accept.js or Accept Hosted for PCI-compliant card processing.

Subscription Billing

Manage recurring charges for SaaS, membership, and subscription-based business models using ARB.

Mobile Payments

Accept Apple Pay and Google Pay in mobile apps using the in-person and mobile payment SDKs.

Point-of-Sale Integration

Integrate card-present transactions via the iOS, Android, or Windows in-person payment SDKs.

B2B and eCheck Payments

Process ACH/eCheck payments for B2B invoicing and recurring bank account debit scenarios.

Integrations 4

Pre-built integrations with other platforms and tools.

WooCommerce

Official Authorize.net WooCommerce payment plugin for WordPress-based e-commerce stores.

Medusa

Official Authorize.net Medusa payment plugin for headless commerce implementations.

Visa and Mastercard Networks

Direct connection to major card networks for authorization and settlement of card-based transactions.

NACHA ACH Network

eCheck processing through the NACHA ACH network for bank-to-bank payment transfers.

Solutions 2

Packaged solutions this provider offers.

Payment Gateway

Comprehensive payment gateway solution connecting merchants to card networks with fraud protection and reporting.

PCI-Compliant Payments

Reduce PCI scope using Accept.js or Accept Hosted to tokenize payment data without touching card numbers.

Resources

Get Started 4

Portal, sign-up, and the first successful call

Documentation 1

Reference material describing how the API behaves

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 3

Pagination, idempotency, versioning, errors, and events

Build 9

SDKs, sample code, and the tooling you integrate with

Scroll for all 9

Access & Security 3

Authentication, authorization, and security posture

Operate 3

Status, limits, changes, and where to get help

Commercial 3

Pricing, plans, and the legal terms of use

Company 3

The organization behind the API

Source (apis.yml)

apis.yml Raw ↑
aid: authorize-net
name: Authorize.net
description: 'Authorize.net is a leading payment gateway providing secure online payment processing for merchants. It offers
  a POST-based XML/JSON API, Accept.js hosted payment forms, the Accept Hosted solution, recurring billing (ARB), customer
  profile management (CIM), advanced fraud detection, and webhooks. Official SDKs are available for PHP, .NET, Java, Ruby,
  Python, and Node.js.

  '
type: Index
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-11'
  method: derived
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/authorize-net.png
tags:
- Accept.js
- Credit Cards
- eChecks
- Fraud Detection
- Payment Gateway
- Payments
- Recurring Billing
- Transaction
tags_raw:
- Accept.js
- Credit Cards
- eChecks
- Fraud Detection
- Payment Gateway
- Payments
- Recurring Billing
- Transactions
url: https://raw.githubusercontent.com/api-evangelist/authorize-net/refs/heads/main/apis.yml
created: '2025-02-17'
modified: '2026-05-19'
specificationVersion: '0.23'
apis:
- aid: authorize-net:authorize-net-payment-api
  name: Authorize.net Payment API
  description: 'The Authorize.net Payment API enables merchants to process credit card, debit card, eCheck, Apple Pay, Google
    Pay, and PayPal transactions via a POST-based XML/JSON API with API Login ID and Transaction Key authentication.

    '
  humanURL: https://developer.authorize.net/api/reference/
  baseURL: https://api.authorize.net/xml/v1/request.api
  tags:
  - Credit Cards
  - eChecks
  - Payment Gateway
  - Transaction
  tags_raw:
  - Credit Cards
  - eChecks
  - Payment Gateway
  - Transactions
  properties:
  - type: Documentation
    url: https://developer.authorize.net/api/reference/
  - type: GettingStarted
    url: https://developer.authorize.net/hello_world/
  - type: Authentication
    url: https://developer.authorize.net/api/reference/features/authentication.html
  - type: APIReference
    url: https://developer.authorize.net/api/reference/
  - type: Sandbox
    url: https://sandbox.authorize.net/
- aid: authorize-net:authorize-net-recurring-billing-api
  name: Authorize.net Recurring Billing API
  description: 'The Authorize.net Automated Recurring Billing (ARB) API enables merchants to create, update, and cancel subscription-based
    payment schedules for recurring charges.

    '
  humanURL: https://developer.authorize.net/api/reference/features/recurring_billing.html
  baseURL: https://api.authorize.net/xml/v1/request.api
  tags:
  - Payment Gateway
  - Recurring Billing
  - Subscription
  tags_raw:
  - Payment Gateway
  - Recurring Billing
  - Subscriptions
  properties:
  - type: Documentation
    url: https://developer.authorize.net/api/reference/features/recurring_billing.html
- aid: authorize-net:authorize-net-customer-profiles-api
  name: Authorize.net Customer Profiles API
  description: 'The Authorize.net Customer Information Manager (CIM) API enables secure storage and management of customer
    payment profiles including credit cards and bank accounts for reuse in future transactions.

    '
  humanURL: https://developer.authorize.net/api/reference/features/customer_profiles.html
  baseURL: https://api.authorize.net/xml/v1/request.api
  tags:
  - Customer Profiles
  - Payment Gateway
  - Tokenization
  properties:
  - type: Documentation
    url: https://developer.authorize.net/api/reference/features/customer_profiles.html
- aid: authorize-net:authorize-net-webhooks
  name: Authorize.net Webhooks
  description: 'Authorize.net Webhooks deliver real-time event notifications for transaction, subscription, and fraud management
    events to merchant-configured HTTP endpoints.

    '
  humanURL: https://developer.authorize.net/api/reference/features/webhooks.html
  baseURL: https://api.authorize.net/rest/v1
  tags:
  - Event
  - Payment Gateway
  - Webhook
  tags_raw:
  - Events
  - Payment Gateway
  - Webhooks
  properties:
  - type: Documentation
    url: https://developer.authorize.net/api/reference/features/webhooks.html
- aid: authorize-net:authorize-net-transactions-api
  name: Authorize.net Transactions API
  description: Charge, authorize, capture, void and refund transactions.
  humanURL: https://developer.authorize.net/api/reference/
  baseURL: https://api.authorize.net/xml/v1/request.api
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/authorize-net-transactions-api-openapi.yml
common:
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/authorizenet/overview
- type: AgenticAccess
  url: agentic-access/authorize-net-agentic-access.yml
- type: DomainSecurity
  url: security/authorize-net-domain-security.yml
- type: Authentication
  url: authentication/authorize-net-authentication.yml
- type: Sandbox
  url: sandbox/authorize-net-sandbox.yml
- type: Conventions
  url: conventions/authorize-net-conventions.yml
- type: ChangeLog
  url: changelog/authorize-net-changelog.yml
- type: Components
  url: components/authorize-net-components.yml
- type: DataModel
  url: data-model/authorize-net-data-model.yml
- type: DeclineCodes
  url: errors/authorize-net-decline-codes.yml
- type: TrustCenter
  url: security/authorize-net-trust-center.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/authorize-net
- type: Website
  url: https://www.authorize.net/
- type: Documentation
  url: https://developer.authorize.net/
- type: Portal
  url: https://developer.authorize.net/
- type: Blog
  url: https://developer.authorize.net/blog/
- type: Signup
  url: https://www.authorize.net/sign-up/
- type: Login
  url: https://account.authorize.net/
- type: Pricing
  url: https://www.authorize.net/sign-up/pricing/
- type: Support
  url: https://support.authorize.net/
- type: StatusPage
  url: https://status.authorize.net/
- type: TermsOfService
  url: https://www.authorize.net/company/terms/
- type: PrivacyPolicy
  url: https://www.authorize.net/company/privacy/
- type: GitHubOrganization
  url: https://github.com/AuthorizeNet
- type: SDKs
  title: PHP SDK
  url: https://github.com/AuthorizeNet/sdk-php
- type: SDKs
  title: .NET SDK
  url: https://github.com/AuthorizeNet/sdk-dotnet
- type: SDKs
  title: Java SDK
  url: https://github.com/AuthorizeNet/sdk-java
- type: SDKs
  title: Ruby SDK
  url: https://github.com/AuthorizeNet/sdk-ruby
- type: SDKs
  title: Python SDK
  url: https://github.com/AuthorizeNet/sdk-python
- type: SDKs
  title: Node.js SDK
  url: https://github.com/AuthorizeNet/sdk-node
- type: Features
  data:
  - name: Payment Processing
    description: Accept credit cards, debit cards, eChecks, Apple Pay, Google Pay, and PayPal via a single unified API.
  - name: Accept.js
    description: Client-side JavaScript library that tokenizes payment data in the browser to keep merchant servers out of
      PCI scope.
  - name: Accept Hosted
    description: Fully hosted payment form that redirects customers to Authorize.net for payment collection with iframe support.
  - name: Recurring Billing (ARB)
    description: Automated recurring billing for subscriptions and installment plans with flexible scheduling options.
  - name: Customer Profiles (CIM)
    description: Securely vault customer payment methods for future charges without storing sensitive card data.
  - name: Fraud Detection Suite
    description: Advanced fraud detection tools including velocity controls, IP blocking, card security code verification,
      and address verification.
  - name: Webhooks
    description: Real-time event notifications for transaction completions, declines, fraud holds, and subscription events.
  - name: MCP Server
    description: Official Authorize.net MCP server for AI-assisted payment processing integration at github.com/AuthorizeNet/authorize-net-mcp.
- type: UseCases
  data:
  - name: E-Commerce Payment Processing
    description: Accept payments on web storefronts using Accept.js or Accept Hosted for PCI-compliant card processing.
  - name: Subscription Billing
    description: Manage recurring charges for SaaS, membership, and subscription-based business models using ARB.
  - name: Mobile Payments
    description: Accept Apple Pay and Google Pay in mobile apps using the in-person and mobile payment SDKs.
  - name: Point-of-Sale Integration
    description: Integrate card-present transactions via the iOS, Android, or Windows in-person payment SDKs.
  - name: B2B and eCheck Payments
    description: Process ACH/eCheck payments for B2B invoicing and recurring bank account debit scenarios.
- type: Integrations
  data:
  - name: WooCommerce
    description: Official Authorize.net WooCommerce payment plugin for WordPress-based e-commerce stores.
  - name: Medusa
    description: Official Authorize.net Medusa payment plugin for headless commerce implementations.
  - name: Visa and Mastercard Networks
    description: Direct connection to major card networks for authorization and settlement of card-based transactions.
  - name: NACHA ACH Network
    description: eCheck processing through the NACHA ACH network for bank-to-bank payment transfers.
- type: Solutions
  data:
  - name: Payment Gateway
    description: Comprehensive payment gateway solution connecting merchants to card networks with fraud protection and reporting.
  - name: PCI-Compliant Payments
    description: Reduce PCI scope using Accept.js or Accept Hosted to tokenize payment data without touching card numbers.
- name: MCP Server
  url: https://github.com/AuthorizeNet/authorize-net-mcp
  type: MCPServer
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com