Credit Card Processing Solutions
Top Companies in 2025
Authorize.net vs Chase Payment Solutions
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- International reach
- Transparent pricing
- No long-term contract
- Same-day funding
- International processing
- API developer tools
- High fees
- Limited integration
- Learning curve
- Incur extra costs for hardware
- Chase bank account is required
Established in 1996, Authorize.Net has emerged as a prominent figure in the payment processing landscape, providing a robust and reliable payment gateway for businesses worldwide. Authorize.Net bridges the gap between merchants and processors, facilitating seamless transactions. Offering a comprehensive suite of services, including Advanced Fraud Protection, Customer Information Manager, eCheck payments, recurring payments, and versatile API integrations, the platform caters to various payment methods, from credit cards to eChecks and digital wallets. With a commitment to transparency, Authorize.Net ensures clear and explicit pricing, fostering trust and informed decision-making for businesses. Their services extend beyond national borders, enabling companies in the United States, Canada, and Australia to process payments globally. The platform's dedication to security is evident through their Advanced Fraud Protection Suite and PCI-DSS compliance. While Authorize.Net boasts an A+ rating from the BBB and positive reviews for a user-friendly interface, seamless integration, and top-notch customer support on platforms like G2, it's noteworthy that Trustpilot reviews present a different perspective. Despite some reported challenges, Authorize.Net remains a go-to choice for businesses seeking a reliable and secure payment gateway and processing solution.
Operating under the prestigious J.P. Morgan Chase & Co., Chase Payment Solutions has a long heritage. Established in 1955 and headquartered in New York, this financial powerhouse provides companies with an extensive range of payment options. Being a major participant in the market, Chase makes it easier for companies to process credit cards. They emphasize same-day funding, worldwide reach via a partnership with Authorize.net, and state-of-the-art tools for API developers to create customized solutions. The PCI-DSS compliance, supported by the sophisticated features of the Orbital virtual terminal, demonstrates the company's dedication to security. Chase offers services to a wide range of sectors, including healthcare and retail, and offers useful information via tools like Chase Customer Information that businesses can use to enhance their sales and marketing funnel. While the BBB recognizes Chase's financial power with an A+ rating under their parent company, Trustpilot users applaud their ease of use and quick deposits. With its own G2 profile, the Orbital service garners praise for integrated solutions but faces scrutiny for occasional downtime. Chase's commitment to streamlining payment acceptance is seen in the variety of POS systems, payment gateways, and their customer-focused support channels.
- Transaction Speed : 3 to 5 business days
- Customer Experience : Good
- Gift Cards : Undisclosed
- Real-Time Reports : Available
- Transparent Pricing : Available
- Pricing Model : Flat-rate pricing
- Trustpilot Score : 1.5 out of 5
- BBB Rating : A+
- Transaction Speed : Same day
- Customer Experience : Good
- Gift Cards : Undisclosed
- Real-Time Reports : Available
- Transparent Pricing : Available
- Pricing Model : Flat processing rate
- Trustpilot Score : 4.4 out of 5
- BBB Rating : A+
- Advanced fraud protection suite
- Customer information manager
- Account updater
- eCheck payments
- Virtual POS
- Chase Customer Insights
- Chase QuickAccept
- Tap to Pay on iPhone
- POS system and hardware
- Authorize.net payment gateway
- Orbital virtual terminal
- Billing & Invoicing
- Electronic Receipts
- Free Hardware
- Mobile Card Reader
- Multiple Payment Gateways
- Recurring Payments & Billing
- Reporting & Analytics
- Virtual Terminal
- Billing & Invoicing
- Electronic Receipts
- Free Hardware
- Mobile Card Reader
- Multiple Payment Gateways
- Recurring Payments & Billing
- Reporting & Analytics
- Virtual Terminal
- EMV Compliant
- Payment Fraud Protection
- PCI Compliance
- EMV Compliant
- Payment Fraud Protection
- PCI Compliance
- Annual Subscription
- Free Trial
- Freemium
- Monthly Subscription
- One-Time License—Undisclosed
- Annual Subscription
- Free Trial
- Freemium
- Monthly Subscription
- One-Time License
- Processing Services
- Accounting Software
- POS
- Productivity Software
- Processing Services
- Accounting Software
- POS
- Productivity Software
- ACH Processing
- Cash Transactions
- Credit Card Terminals
- Electronic Signature
- In-Person Payments
- Mobile Payments
- NFC Payments
- Online Payment Procesing
- ACH Processing
- Cash Transactions
- Credit Card Terminals
- Electronic Signature—Undisclosed
- In-Person Payments
- Mobile Payments
- NFC Payments
- Online Payment Procesing
- Demos
- FAQs
- Help Guides
- Live Chat
- Mobile Application
- Phone
- Tickets—Undisclosed
- Demos
- FAQs
- Help Guides
- Live Chat
- Mobile Application
- Phone
- Tickets—Undisclosed
Authorize.Net vs. Chase Payment Solutions
Choosing between Authorize.Net and Chase Payment Solutions depends on whether you need a standalone payment gateway or an all-in-one banking and processing solution. Authorize.Net specializes in online payment processing with advanced fraud detection and API integrations. Chase Payment Solutions offers a seamless connection to Chase banking, providing same-day deposits and POS hardware.
Value-added services
Authorize.Net provides a powerful payment gateway with features like fraud detection, recurring billing, and virtual POS. It supports multiple payment methods, including eChecks, PayPal, and major credit cards. Chase Payment Solutions integrates payment processing with banking, offering same-day deposits, sales analytics, and Tap to Pay for iPhones. Authorize.Net is ideal for businesses needing a dedicated gateway, while Chase suits those looking for a banking-integrated processor.
Usability
Authorize.Net requires some technical setup but offers flexible API integrations. Its dashboard provides access to transaction management and reporting tools, though it has a learning curve. Chase Payment Solutions is more user-friendly, especially for businesses already using Chase banking. QuickAccept simplifies credit card processing, and POS options cater to in-person and online payments. Businesses seeking a standalone gateway may prefer Authorize.Net, while Chase offers a smoother experience for those in its banking ecosystem.
Security
Authorize.Net ensures security with PCI-DSS compliance, tokenization, and advanced fraud detection tools. Chase Payment Solutions follows industry security standards with PCI compliance, fraud monitoring, and encryption. Both platforms offer strong protection, but Authorize.Net provides more customizable fraud prevention features.
Pricing
Authorize.Net has transparent pricing. The All-in-One plan costs $25 per month with a 2.9% + $0.30 transaction fee, while the Payment Gateway Only plan charges $25 per month with a $0.10 transaction fee. Chase Payment Solutions has variable pricing: 2.6% + $0.10 for in-person transactions, 2.9% + $0.25 for e-commerce, and 3.5% + $0.10 for virtual terminal payments. Chase also charges for hardware, with a card terminal priced at $399 and a mobile reader at $49.95. Authorize.Net offers a predictable structure, while Chase provides faster funding but potentially higher costs.
Conclusion
Authorize.Net is ideal for businesses needing a standalone gateway with strong fraud protection and flexible integrations. Chase Payment Solutions is better for businesses wanting a processor with same-day deposits and integrated banking. If you prioritize customization, Authorize.Net is the best choice. If you want seamless banking and payment processing, Chase is the better option.
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