Authorize.net

Authorize.net is a payment gateway operated by Visa (Visa Acceptance Solutions) that lets merchants and platforms accept credit card and eCheck.Net payments online, in person, and through mobile apps. Its developer platform exposes a transaction API (the XML/JSON gateway at /xml/v1 and a REST surface at /rest/v1) for one-time and recurring payments, the Customer Information Manager (CIM) for stored payment profiles, Accept.js and Accept Hosted for tokenized/hosted card capture, Automated Recurring Billing (ARB), transaction reporting, fraud detection (Advanced Fraud Detection Suite), and webhooks for asynchronous event notifications. Official server SDKs ship for PHP, .NET, Java, Python, Node.js, and Ruby, plus Accept mobile SDKs for iOS and Android. Authentication uses merchant API Login ID + Transaction Key, with OAuth 2.0 available for partner/Accept integrations. Added to the API Evangelist network from an Insight Partners portfolio lead and enriched from Authorize.net's public developer surface.

Authorize.net publishes 6 API contracts indexed on the APIs.io network, including Transactions API, and 5 more. Tagged areas include Company, Payments, Payment Gateway, Credit Cards, and E-Commerce.

The Authorize.net catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

Authorize.net’s developer surface includes documentation, API reference, getting-started guide, support, signup flow, pricing, sandbox, and 20 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

36.4/100 thin ▬ flat Agent 26/100 agent aware Front door AI 3/6 light Heartbeat 19/100 dormant saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract

Company Payments Payment Gateway Credit Cards E-Commerce Recurring Billing Fraud Prevention Webhook Financial Services

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 36.4/100 · thin

Contract Quality 1.5 / 19

Developer Ergonomics 9.3 / 15

Access Clarity 6.7 / 15

Operational Transparency 2.6 / 10

Contract Governance 1.6 / 9

Discoverability 5.0 / 8

Regulatory Posture 4.4 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 26/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

8 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 8.1 — up to +23.0 composite points
Access Clarity scores 44.7 — up to +11.1 composite points
Contract Governance scores 18.2 — up to +9.8 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/authorizenet/apis.yml: open an issue on github.com/api-evangelist/authorizenet to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Commerce Platform Ecosystems (Shopify, WooCommerce, Stripe Apps)	regulated	44.4	-	-
Consumer Lending Licensing (UK, US, Canada credit licence registers)	regulated	44.4	-	-
Canada RPAA Payment Service Providers (Bank of Canada registry + Payments Canada)	regulated	44.4	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

APIs 6

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

Authorize.net API

Payment gateway API for accepting credit card and eCheck.Net payments, storing customer payment profiles (CIM), recurring billing (ARB), hosted/tokenized card capture (Accept.js...

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.

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Authorizenet Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Authorize.net API Rules

50 rules · 48 errors 1 warnings 1 info

SPECTRAL

Security Posture 2

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

Authorizenet Authentication

apiKey/oauth2 · 3 schemes

SECURITY

Authorizenet Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

X-MCPServerCandidate

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Lifecycle

Webhooks

ErrorCatalog

Conformance

Conventions

Idempotency

Build 5

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

Postman

Packages

SDKs

DeclineCodes

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: authorizenet
name: Authorize.net
description: Authorize.net is a payment gateway operated by Visa (Visa Acceptance Solutions) that lets merchants and platforms
  accept credit card and eCheck.Net payments online, in person, and through mobile apps. Its developer platform exposes a
  transaction API (the XML/JSON gateway at /xml/v1 and a REST surface at /rest/v1) for one-time and recurring payments, the
  Customer Information Manager (CIM) for stored payment profiles, Accept.js and Accept Hosted for tokenized/hosted card capture,
  Automated Recurring Billing (ARB), transaction reporting, fraud detection (Advanced Fraud Detection Suite), and webhooks
  for asynchronous event notifications. Official server SDKs ship for PHP, .NET, Java, Python, Node.js, and Ruby, plus Accept
  mobile SDKs for iOS and Android. Authentication uses merchant API Login ID + Transaction Key, with OAuth 2.0 available for
  partner/Accept integrations. Added to the API Evangelist network from an Insight Partners portfolio lead and enriched from
  Authorize.net's public developer surface.
url: https://raw.githubusercontent.com/api-evangelist/authorizenet/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- insight-partners
x-tier: enriched
x-tier-reason: portfolio-lead-enriched
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
image: https://www.authorize.net/content/dam/authorize/images/logos/anet-logo.png
tags:
- Company
- Payments
- Payment Gateway
- Credit Cards
- E-Commerce
- Recurring Billing
- Fraud Prevention
- Webhook
- Financial Services
tags_raw:
- Company
- Payments
- Payment Gateway
- Credit Cards
- eCommerce
- Recurring Billing
- Fraud Detection
- Webhooks
- Financial Services
- Financial-Services
apis:
- name: Authorize.net API
  description: Payment gateway API for accepting credit card and eCheck.Net payments, storing customer payment profiles (CIM),
    recurring billing (ARB), hosted/tokenized card capture (Accept.js / Accept Hosted), transaction reporting, and webhook
    event notifications.
  humanURL: https://developer.authorize.net/
  baseURL: https://api.authorize.net
  tags:
  - Payments
  - Payment Gateway
  - Recurring Billing
  properties:
  - type: APIReference
    url: https://developer.authorize.net/api/reference/index.html
  - type: Documentation
    url: https://developer.authorize.net/api/reference/index.html
- aid: authorizenet: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: authorizenet: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: authorizenet: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: authorizenet: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: authorizenet:authorizenet-transactions-api
  name: Authorize.net Transactions API
  description: Charge, authorize, capture, void and refund transactions.
  humanURL: https://developer.authorize.net/
  baseURL: https://api.authorize.net
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/authorizenet-transactions-api-openapi.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/authorizenet-domain-security.yml
- type: DeveloperPortal
  url: https://developer.authorize.net/
- type: Documentation
  url: https://developer.authorize.net/api/reference/index.html
- type: APIReference
  url: https://developer.authorize.net/api/reference/index.html
- type: GettingStarted
  url: https://developer.authorize.net/hello_world.html
- type: Support
  url: https://developer.authorize.net/support.html
- type: GitHubOrganization
  url: https://github.com/AuthorizeNet
- type: Website
  url: https://www.authorize.net/
- type: SignUp
  url: https://www.authorize.net/sign-up.html
- type: Login
  url: https://account.authorize.net/
- type: Pricing
  url: https://www.authorize.net/sign-up/pricing.html
- type: TermsOfService
  url: https://www.authorize.net/about-us/terms.html
- type: PrivacyPolicy
  url: https://www.authorize.net/about-us/privacy.html
- type: Postman
  url: https://github.com/AuthorizeNet/webhooks-postman-collection
- type: StatusPage
  url: https://status.authorize.net/
- type: Packages
  url: packages/authorizenet-packages.yml
- type: SDKs
  url: packages/authorizenet-packages.yml
- type: X-MCPServerCandidate
  url: mcp/authorizenet-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: Lifecycle
  url: lifecycle/authorizenet-lifecycle.yml
- type: Sandbox
  url: sandbox/authorizenet-sandbox.yml
- type: Webhooks
  url: asyncapi/authorizenet-webhooks.yml
- type: DeclineCodes
  url: errors/authorizenet-decline-codes.yml
- type: ErrorCatalog
  url: errors/authorizenet-decline-codes.yml
- type: Conformance
  url: conformance/authorizenet-conformance.yml
- type: Authentication
  url: authentication/authorizenet-authentication.yml
- type: Conventions
  url: conventions/authorizenet-conventions.yml
- type: Idempotency
  url: conventions/authorizenet-conventions.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Authorize.net API — frequently asked questions

Does Authorize.net have an API?

Yes. APIs.io lists 6 APIs from Authorize.net, including Authorize.net API, Authorize.net Payment API and Authorize.net Recurring Billing API, and 3 more.

Is there an OpenAPI specification for the Authorize.net API?

Yes. APIs.io indexes 1 OpenAPI specification for Authorize.net, each linked for download from this page.

How do I authenticate with the Authorize.net API?

Authorize.net uses bearer-token authentication (apiKey/oauth2 · 3 schemes). The details are profiled on APIs.io as Authorizenet Authentication.

Is the Authorize.net API ready for AI agents?

Authorize.net has a Kin Score of 36.4 out of 100 (thin) and an Agent Readiness score of 25.9 (agent-aware), scored by API Evangelist on 2026-11-06.

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