Businesses can take credit card and digital cash transactions over their webpage and via an IP link due to Authorize.Net. Authorize.Net, which was established in 1996, is currently a division of Visa Inc. Its system allows users to input credit card and delivery details immediately onto a website page. 

It provides quick payment alternatives, regular invoicing contracts, and scam prevention tools. It offers software functional prototypes for Android & apple as well as a programming interface for designers. It can handle automated payments using its virtual port and invoicing functionalities. Additionally, it provides technical assistance for retailers.

Payment types

These are the several payment methods you can accept from your clients using this platform.

• The mobile card reader turns the phone into a fast and secure sale point.
• eCheck to accept digital checks.
• Billing tools for billing requirements.
• Point of sale where payments are accepted by linking a suitable card scanner to a pc.
• eCommerce for several online payments. 

Guide to getting started 

Activating your account is the first thing you need to do. Once logged in, the account owner can examine the configuration files and make any required adjustments. 

You will learn about the various options and services accessible with a money transfer platform in this post. These parameters should be familiarised with as they will aid in the submission and management of transactions.

Merchant interface 

You may visit your money transfer account, handle payments, check bank records, produce statistics, and more using the protected website known as the Merchant Interface. By going to the Authorize.Net main website, you can enter the customer portal. You will instantly be logged into the portal after activating your money transfer profile using the authorization code in your e-mail.

Test mode

Your account will immediately enter trial status after registration is finished. This is denoted by an orange flag at the head of each page. You can conduct deals in trial settings without using real money to test your link to the checkout page. You can start executing real payments after your link has been properly tested.

Settings for banking transactions 

Create an API User Account and an Activity Password to link your financial processing to Authorize.Net. Your account-specific API keys are necessary to verify and authenticate the cashless transaction before a transfer can be processed. Do not disclose the API Login Details or Signing Password; instead, keep them safely stored. Don’t set up your credit method to use your login credentials for the Merchant Interface. 

Getting API login details 

The steps to obtaining API details are as follows:

1. Log in to the portal;
2. Go to account;
3. Go to settings;
4. Click API credential and keys;
5. Choose a new key option;
6. Click submit;
7. Request and submit the verification code. 

Security settings 

The next Authorize.Net function guard against illegal activities.

Regular velocity filter 

It is a feature that enables you to establish a cap on the daily transactional limit. All activities that day that surpass the limit are reported and handled under your specified instructions. The Everyday Velocity Limit is set up as follows:

1. Go to Account;
2. Select Daily Velocity;
3. Click Enable Filter.
4. Indicate how many transactions you anticipate handling each day. 
5. When you hit your threshold, you can decide what to do with transactions.
6. Press Save.

Card code verification


Card codes offer additional protection against fraudulent transactions involving credit cards. Check and modify your CCV settings by:

1. Go to Account.
2. Click Card Code Verification.
3. Select or deselect the item beside each CCV internal response.

Service for Verifying Addresses 

When the invoicing mailing address or Postcode does not resemble the supplying bank’s information, the AVS preset parameters are programmed to deny transactions. Check and change your AVS settings:

1. Go to Account.
2. Press Address Verification.
3. Click or clear the checkbox for each type.

Default settings 

To personalize your Authorize.Net profile for your company, use the settings below.

Virtual terminal

If you offer deposits for postal ordering goods, use the Digital Gateway. To use the Digital Interface to make a card payment transaction for fast resolution:

1. Press tools;
2. Press charges a credit card;
3. Authorize;
4. Enter payment details;
5. Provide invoice number;
6. Add billing details;
7. Submit. 

Transaction cut-off time

The regular cut-off period for bulk payments to be sent to your operator for settling is specified by the Transaction Cut-Off Period parameter. Enable this by:

1. Go to account;
2. Go to transaction cut-off time;
3. Select the time;
4. Submit. 

Time zone

Configure your Authorize.Net profile to utilize the local time format for your company. Change the time zone by:

1. Press count;
2. Press time zone;
3. Select the suitable time zone:
4. Enter.