The short answer
A transaction for AUTHORIZE.NET* GATEWAY represents a monthly payment gateway fee ($25/mo) or per-transaction routing fee billed to a merchant by Visa Inc. (Authorize.Net).
Why it shows up like this
A statement entry reading AUTHORIZE.NET* GATEWAY represents a business-to-business processing fee charged by Visa Inc. / Authorize.Net. Unlike ordinary consumer retail purchases, this charge comes from the Authorize.Net Payment Gateway (Visa), an infrastructure service that connects online shopping carts, mobile terminals, and websites to merchant acquiring banks. If you own an online store, run a professional practice, or operate a company that accepts card payments online, this entry reflects your recurring gateway software subscription.
The standard billing structure for an Authorize.Net account includes a fixed gateway fee of $25 per month, plus a per-transaction routing fee of $0.10 and a daily batch settlement fee of $0.10. If your statement lists an amount higher than $25, the additional charges reflect your transaction volume from the prior calendar month or optional add-on tools. Popular add-ons include the Advanced Fraud Detection Suite (AFDS), Customer Information Manager (CIM) for storing tokenized credit card data, and recurring automated billing services.
If you do not run a business that accepts credit card payments, this charge could indicate that someone set up a merchant gateway account using your stolen payment details. Alternatively, business owners often overlook this fee after closing an old e-commerce store because closing a website does not automatically close the underlying gateway account. To review your statements or close your merchant account, log in to the merchant interface at account.authorize.net or call their support line at 1-888-322-5945. If the charge is fraudulent, contact your card issuer immediately to report unauthorized activity.
Common reasons for this charge
Most Authorize.Net charges stem from ongoing merchant services agreements maintained by business owners. When you open a merchant account through a bank or independent sales organization, the gateway subscription remains active even during months when you process zero customer sales.
Dormant business ventures are a frequent source of confusion. Business owners who shut down an online shop often cancel their web hosting or Shopify store but forget that the payment gateway operates as an independent contract that continues billing the monthly $25 fee until explicitly closed.
- A monthly payment gateway subscription fee ($25/mo) billed to a merchant account holder.
- Per-transaction gateway routing fees ($0.10 per transaction) or batch settlement fees.
- Fraud Detection Suite (AFDS) or Customer Information Manager (CIM) add-on tool fees.
How to locate the invoice and cancel
To view your itemized billing statement or permanently close your gateway, you must log in to the Authorize.Net Merchant Interface. Follow the steps below to access your account records.
- Sign in to Authorize.Net Merchant Interface Go to account.authorize.net and log in with your API credentials.
- Access Billing Statements review to Account > Statements to view monthly billing invoices.
- Close Gateway Account Go to Account > User Administration > Close Account or contact merchant support at 1-888-322-5945.
Frequently Asked Questions
Is Authorize.Net owned by Visa?
Yes, Authorize.Net was acquired by CyberSource and is a direct subsidiary of Visa Inc.
Is Authorize.Net a charge from a store I bought from?
A charge labeled AUTHORIZE.NET* GATEWAY is a B2B gateway software fee paid by website owners and developers, not an end-consumer retail purchase.
Dispute Rights & Fraud Prevention
If you do not operate an e-commerce business and have never registered for a merchant processing gateway, an Authorize.Net charge strongly indicates fraudulent card usage. Contact your bank or credit card company immediately to block your card and report the unauthorized billing.
Under the Fair Credit Billing Act, cardholders have sixty days from the statement date to formally dispute inaccurate or fraudulent charges. If the charge was billed to a corporate card, notify your accounting department and card issuer right away, as commercial cards sometimes carry narrower dispute windows than personal consumer credit cards.
How do I contact Authorize.Net merchant support?
Call 1-888-322-5945 or visit support.authorize.net.
Card issuers must complete their formal billing inquiry within two billing cycles (up to 90 days).
Independent reference — not affiliated with Visa Inc. / Authorize.Net. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Authorize.Net Merchant Services Agreement https://www.authorize.net
- CFPB: Commercial Payment Gateway Protections https://www.consumerfinance.gov
Reviewed Aug 15, 2026 · high · About UnknownCharges