Clay Pay vs Authorize.net

Authorize.net is a payment gateway, not a processor. The gateway is fine. The processing economics underneath it depend on which acquirer is sponsoring the merchant account, which is the part that determines what you actually pay.

Pick Clay Pay if

• You are running Authorize.net on top of an expensive merchant account and never thought to separate the two costs
• You want interchange-plus pricing on the merchant account underneath (we support Authorize.net as a gateway)
• You need a payments partner who can audit both the gateway markup and the processing markup
• You want vendor neutrality (we support NMI, Authorize.net, and direct integrations)

Pick Authorize.net if

• You are happy with Authorize.net as a gateway and only need processing economics
• Your developer team has built integrations against Authorize.net's API and switching gateways is expensive
• Your CRM, e-commerce platform, or recurring billing software has a deep Authorize.net integration