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Authorize.Net® offers two secure online payment-processing connection
methods that allow Internet-based businesses to authorize, process, and
manage credit card transactions directly and automatically from an e-commerce
website.
Advanced Integration Method (AIM) is the preferred Authorize.Net integration
solution, and uses secure sockets layer (SSL) digital certificate technology
to connect securely and directly to the Payment Gateway—achieving
the highest security for the Internet connection between a merchant and
the gateway. Simple Integration Method (SIM) optimizes the security, encryption,
and authentication of transactions for merchants that do not have an SSL
digital certificate.
AIM and SIM provide the highest levels of secure transaction infrastructure
available to merchants building an e-commerce business and directly connecting
that their website to the Authorize.Net Payment Gateway.
When using AIM and SIM to connect to the Payment Gateway, a customer
enters purchase information (e.g., name, credit card number, etc.) into
a payment form on the merchant's website. This payment form is hosted
either by the merchant, or the merchant may choose to use Authorize.Net's
securely hosted, customizable payment form.
When the customer clicks to submit his or her purchase information, payment
information is encrypted using 128-bit SSL technology and sent to an Authorize.Net
transaction server. The server sends the data through the authorization
network to the appropriate card issuer's bank, using a secure, proprietary
connection. When the authorization process is complete—this takes
around five seconds—the customer receives an approval or decline
response, and the Authorize.Net server stores the transaction. Approved
transactions are automatically settled each day and are typically funded
within two to three business days.
Merchants can check the status of current transactions submitted directly
from their website or run reports on past transaction activity by going
to the Authorize.Net Corporate site and logging into their own password-protected
Merchant Interface. Online businesses also can use the Authorize.Net Virtual
Terminal feature of their Merchant Interface account to enter payment
information manually if customers prefer to call in their credit card
information.
Pricing*:
$149.00 Onetime license and Set up Fee
$29.95 Combined Monthly Processing Fee
(Includes both gateway and merchant account)
2.39% Discount Rate (Visa, MasterCard, and Discover)
3.85% Discount Rate (American Express)
$0.35 per cc transaction
$0.95 per eCheck (optional service)
Other Fees:
$0.35 Batch Disbursement Fee
$15.00 Chargeback Fee
$15.00 NSF fee (eCheck)
*prices subject to change |
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