Top 10 Reseller FAQs

Top 10 Merchant FAQs

The Authorize.Net Reseller Program provides merchant service providers (MSPs) and independent sales organizations (ISOs) the opportunity to provide their merchant customers with premium Internet Protocol (IP) based transaction processing services on a revenue share arrangement. Similar to a wholesale/retail sales model, Authorize.Net resellers "buy" payment gateway accounts at wholesale pricing and then sell them to their merchant clients at a markup. Residuals are then remitted to the reseller by Authorize.Net.

There is no annual membership fee for Authorize.Net resellers. A one-time application fee applies at the time a reseller signs up for the Authorize.Net Reseller Program.

To keep pricing competitive, Authorize.Net does not publicize its reseller buy rates. For information about our standard rates, please contact our Channel Sales Team at 1.866.437.0491.

For the most part, merchants are billed directly by Authorize.Net for payment gateway services; however, resellers may make arrangements to bill their merchants themselves.

Authorize.Net manages transaction funds on behalf of the merchant from the time a transaction is submitted to the payment gateway and through each processing phase in the Card Interchange or Automated Clearing House (ACH) Network. As such, fees for payment gateway services are assessed from merchants' transaction proceeds before they are funded to their merchant bank accounts. Merchants may view their billing statements in the Merchant Interface, the Web based payment gateway account management tool.

Residuals for your merchant's Authorize.Net services are funded to your bank account within 3-5 business days following merchant billing on the 1st of each month. Please note that your residual payments on monthly gateway fees are for the previous month whereas residual payments for transaction processing are from the month before that. In other words, January residual payments include December's gateway residuals and November's transaction residuals.

You may view and/or download account statements in the Reseller Interface at https://account.authorize.net/ResellerInterface/. The Reseller Interface is an online tool where resellers can manage their merchant and reseller accounts. Account statements include: Residual Total by Sales Rep ID, Residual Total by Sales Rep Name, Residual Total by Payment Gateway ID, Billing, and Residual Commission.

In addition to its core payment gateway services, Authorize.Net provides many value-adding services to meet merchants' varying business needs and enhance their transaction management. Many of these services provide additional revenue streams for resellers! See http://reseller.authorize.net/earn/gateway/. They include:

eCheck.Net® – Authorize.Net's exclusive electronic check solution allows merchants to accept payments from customer bank accounts. This expands merchants' payment options and sales reach. eCheck.Net merchants incur additional monthly and per-transaction fees.

Automated Recurring Billing™ (ARB) – Merchants with subscription based business models or who need a convenient rebilling solution will benefit from our easy-to-use ARB service. There is an additional setup and monthly fee for ARB.

Advanced Fraud Detection Suite™ (AFDS) – An important addition to any merchant's payment gateway account, AFDS provides a set of rules-based, customizable transaction filters that detect and help to prevent potentially fraudulent transactions. There is an additional monthly fee for AFDS.

In addition, there is an ever growing list of third-party solutions that have integrated to the payment gateway which provide additional revenue opportunities for resellers. To learn more about opportunities to resell other Authorize.Net integrated solutions, be sure to check out a list at http://reseller.authorize.net/earn/thirdparty/.

Yes. Authorize.Net's range of services includes Card Present, or retail, transaction processing capabilities. The majority of Authorize.Net Card Present solutions are pre-integrated by third party developers, meaning that merchants can typically purchase a "plug in" solution. Authorize.Net also provides its Card Present application programming interface (API) for larger retail merchants who would like to perform their own integration to the payment gateway.

In addition, Authorize.Net has developed an exclusive Virtual Point-of-Sale (VPOS) Terminal for retail merchants with an Internet-connected PC, an Authorize.Net Card Present account, and a MagTek HID USB card reader. With low up-front costs and quick and easy implementation, VPOS is an ideal solution for retail merchants of all sizes.

For more information about Authorize.Net's Card Present solutions, please see the Authorize.Net Certified Solutions Directory at http://www.authorize.net/posdir/.

Several criteria define reseller eligibility for being listed in the online Authorize.Net Reseller Directory at http://www.authorize.net/solutions/merchantsolutions/resellerdirectory/. For more information about requirements, please contact the Reseller Channel Team at 1.866.437.0491.

Authorize.Net's FREE Reseller Support is available Monday through Friday, 6 AM to 5 PM Pacific time (closed major holidays) by telephone toll free at 1.888.437.0481, e-mail at resellersupport@authorize.net, and live chat within the Reseller Interface (click "Live Help").

Authorize.Net is the preferred payment gateway among resellers and merchants for managing secure payment transactions using the power and speed of the Internet. Authorize.Net also provides other business-enhancing products that help merchants manage their transactions. For more information about Authorize.Net, see our Web site at http://www.authorize.net/.

Authorize.Net facilitates the submission and routing of credit card and electronic check payment transactions on behalf of its client merchants to the processing networks in real-time–24 hours a day, seven days a week. The Authorize.Net Payment Gateway supports transactions from all types of merchant business models: from Web sites, at retail (where the customer physically presents payment directly to the merchant at the time of purchase at a retail location), mail order/telephone order (MOTO) call and fulfillment centers, and from wireless devices.

Primarily, Authorize.Net provides payment gateway or Internet Protocol (IP) based payment processing services to Card Not Present (Web, mail order/telephone order (MOTO)) and Card Present (retail, mobile) merchants. Valuable services included in every payment gateway account include a Virtual Terminal, batch upload capabilities, fraud prevention services, downloadable reports and statements, QuickBooks compatibility, and multiple user accounts.

Authorize.Net also provides other value-adding payment processing products that help merchants enhance transaction processing, streamline their business processes, and save time and money. Some of Authorize.Net's value-adding products are: Automated Recurring Billing™, Advanced Fraud Detection Suite™, and eCheck.Net®.

Authorize.Net is uncompromising when it comes to providing merchants with secure, trustworthy payment processing services. For receiving and transmitting customer payment information, Authorize.Net implements the most advanced Internet security protocols including 128-bit Secure Sockets Layer (SSL). In addition, Authorize.Net consistently employs an extensive number of best practices, procedures and industry-leading technologies to maintain tight security for the entire payment gateway platform. We also maintain compliance with the highest standard security programs for the protection of cardholder information developed by the card associations, such as the Payment Card Industry Data Security Program (PCI), and continually invest time and money to maximize the security surrounding the payment gateway.

Authorize.Net recognizes that fraud may well be the biggest challenge facing our merchants, which is why helping merchants protect themselves from fraud is one of our highest priorities. There are several ways Authorize.Net protects merchants from fraud:

Unlike other payment gateways, Address Verification Service (AVS) and Card Code Verification (CCV) tools come with our standard payment gateway accounts–helping merchants build their fraud protection program from the ground up.

Based on extensive research and criteria developed by our dedicated Fraud Management Team, the Authorize.Net Advanced Fraud Detection Suite (AFDS) provides an unrivaled set of transaction filters and tools that empower merchants to identify, prevent and manage potentially fraudulent transactions. For more information about AFDS, see http://www.authorize.net/fds/.

Authorize.Net is also committed to educating merchants about how they can protect themselves from the latest scams and attempts at fraud. To help keep merchants aware of the latest security best practices, Authorize.Net sends out an annual security newsletter and regularly updates its Security Best Practices White Paper found at http://www.authorize.net/files/securitybestpractices.pdf.

Authorize.Net has an established and dedicated Fraud Management Team that is dedicated to the daily monitoring of merchant accounts and development of merchant protection practices and program.

Authorize.Net is continually investing money and resources into providing merchants with the tools and information they need to protect their businesses from fraud.

To accept payment from a Web site, merchants first need an Authorize.Net Payment Gateway account and a merchant bank account. Your Authorize.Net reseller will be able to provide you with these accounts.

A merchant bank account is a type of bank account that allows merchants to collect proceeds from consumer bank account or credit card payment transactions. A Card Present (CP) merchant account is used by merchants who process IP transactions received at a physical location, where payment is physically presented to the merchant by the customer at the time of the transaction. A Card Not Present (CNP) merchant account is used by merchants who receive payments electronically or in situations where payment is not physically presented to the merchant by the consumer at the time of the transaction.

Connecting your Web site to the Authorize.Net Payment Gateway requires some additional code and development for your Web site. To do this, you can either have a Web developer implement your payment gateway integration or use a shopping cart. If you prefer to use a developer, we highly recommend you choose an Authorize.Net Certified Developer. Our Certified Developers must meet rigorous integration standards and provide samples of successful integrations. A directory of our Certified Developers can be found at http://www.authorize.net/cdd.

Choosing a pre-integrated product such as a shopping cart is often the easiest and most practical integration method. Authorize.Net Certified Shopping Carts automatically connect your Web site to the payment gateway, allowing you to accept payments immediately. For a list of Certified Shopping Carts, please visit: http://www.authorize.net/cscdir.

For more information about our secure connection methods, please see this page. Your Web developer may be able to help you choose the connection method that is right for your business.

You can view and manage your transactions in the Merchant Interface at https://account.authorize.net/. The Merchant Interface is a Web based, password protected management tool for your payment gateway account. Here you can submit transactions including voids and credits, search your transaction history, view reports and statements, and more.

Authorize.Net's FREE Customer Support is available 24 hours a day, 7 days a week by phone (closed major holidays), toll free at 1.877.447.3938, e-mail at support@authorize.net, and live chat within the Merchant Interface (click "Live Help").