Authorize.Net is a payment processing solution that simplifies online payments and provides the complex infrastructure and security necessary to ensure fast, reliable and secure transmission of transaction data.
Authorize.Net allows you to choose between its merchant account + payment gateway plan or its Payment Gateway only plan.
Consider the following factors before choosing Authorize.Net as a payment solution:
Countries : Authorize.Net is currently available for companies based in the United States of America, Canada, the United Kingdom, Europe, and Australia.
Payment Methods: Authorize.Net supports almost all major credit and debit cards such as Visa, MasterCard, American Express, Discover, Diner's Club, JCB, and so on.
Pricing: Authorize.Net has service fees which include, setup, monthly and per-transaction fees. More details about pricing here.
Authorize.Net is supported only on Chargebee's live site. You would require a payment gateway account or a payment gateway plus merchant account.
Since Chargebee handles card information storage and recurring payments, you would not require the CIM(Customer Information Manager) and ARB(Automated Recurring Billing) modules in your Authorize.Net account.
If you plan on using Authorize.Net with Chargebee but would want to test the workflow, you can make use of Chargebee's test payment gateway.
Chargebee currently uses Spreedly , a third party card vault, to store card information with Authorize.Net. Although Authorize.Net supports storing card information, to integrate with Chargebee, you will have to migrate your card information from Authorize.Net to Spreedly. Drop a mail to firstname.lastname@example.org for more information on the migration process.
Authorize.Net can be integrated with Chargebee only on the live site. Testing with Authorize.Net is discussed in later sections.
Chargebee offers the following options to integrate with Authorize.Net:
OPTION A: Chargebee's hosted payment pages + Authorize.Net Gateway
In this method the card information of the customers are collected by Chargebee's secure hosted pages and passed on to Spreedly for storage.
PCI Compliance Requirements: Low
Your PCI compliance requirements are greatly reduced because of Chargebee's hosted pages. As a merchant using Chargebee's hosted pages, all you have to do is fill a Self Assessment Questionnaire (SAQ-A) and submit it to the payment gateway, if requested.
OPTION B: Chargebee's API + Authorize.Net Gateway
In this method, collecting card information will have to be handled at your end and has to be passed on to Chargebee. Chargebee then routes this card information to Spreedly.
PCI Compliance Requirements: High
Since card information will be collected by you directly, you will have to take care of PCI Compliance requirements.
Configuring Authorize.Net with Chargebee involves setup in both your Chargebee and Authorize.Net accounts.
Follow these steps to setup Authorize.Net on Chargebee's live site:
Step 1: In your Chargebee Live Site, go to Settings > Gateway Settings and click on Configure a Payment Gateway. You will now see a list of Payment Gateways.
Step 2: From the list, select Authorize.Net and click Use this Gateway. This will redirect you to the Authorize.Net Gateway Configuration Page.
Step 3: Once on the Authorize.Net Gateway Configuration Page, configure your API Login Id & Transaction Key.
API Login Id - The API Login Id can be found in your Authorize.Net Merchant Interface under Account > Settings > Security Settings > API Login ID and Transaction Key.
Transaction Key - The Transaction Key can be obtained by providing the Secret Answer to your Secret Question. Once you have that in place, copy the Transaction Key and enter it in Chargebee.
Step 4: Other Configurations
Apart from the configuration in Chargebee, the following details have to be configured in your Authorize.Net account as well:
To integrate Authorize.Net with Chargebee, it is mandatory that you have the Transactions API enabled in your Authorize.Net account. To get this done, follow the sequence of steps given below:
Log in to your Authorize.Net Merchant Interface.
Navigate to Account > Settings > Security Settings > Transaction Details API.
If you haven't enabled Transaction Details API already, enter the "Secret Answer" and click Enable Transaction Details API.
Authorize.Net has a test mode in its production account which lets you test your connection with the payment gateway without carrying out actual charges. By default, your payment gateway account is set to "Test Mode". To carry out live transactions, ensure your Live Mode is turned on. To do this, in your Authorize.Net account, navigate to Account > Settings > Security Settings > General Security Settings and set the mode to Live as shown below:
Authorize.Net can be integrated with Chargebee only on Chargebee's live site. If you are on Chargebee's test site and want to run test transactions, you can make use of Chargebee's test payment gateway. Chargebee's test gateway is designed to simulate all payment related scenarios. Test cards for testing with Chargebee's test gateway can be found here.
Authorize.Net and Chargebee support different currencies for charging customers across different geographical locations. If you intend to use Authorize.Net+Chargebee for your business, ensure that your transactional currencies are supported by both.
Find the complete list of currencies supported by:
The currency configured in your Authorize.Net account will be used for transactions, irrespective of the currency configured in Chargebee. Hence, ensure the currency configured in your Authorize.Net account matches with that of your Chargebee account.