# Paydude vs Authorize.net: Fee Calculator

URL: https://www.paydude.io/resources/tools/paydude-vs-authorize-net-fee-calculator
Type: Free interactive calculator
Summary: Compare Authorize.net's published rate against Paydude tier pricing at your own volume and average transaction size.

Both sliders matter. Volume decides which Paydude tier applies; ticket size decides how much the fixed per-transaction fee costs you, which is where Authorize.net and Paydude differ most.

## Summary

Authorize.net publishes 2.9% + 30¢ for domestic cards. Paydude starts at 2.6% + 25¢ and improves automatically with volume. Authorize.net is a mature, widely supported gateway with a long track record. Compare on effective rate at your own ticket size, not on headline percentages.

## Published rates

**Standard published rates for domestic cards, September 2026**

|  | Paydude | Authorize.net |
| --- | --- | --- |
| Card rate | 2.6% (falling to 2.5%) | 2.9% |
| Fixed fee | 25¢ (falling to 15¢) | 30¢ |
| Monthly fee | $0 | $25.00 |
| Subscriptions | No extra percentage | Priced separately |
| International cards | No surcharge | Surcharged |
| Amex and premium cards | +0.3% | Passed through |
| Chargeback fee | $12 | $15–$25 typical |

> **Verify before deciding:** These are published list prices as of September 2026. Rates change, and Authorize.net may quote you something different. If you already process payments, your own statement is a better source than any published figure.

## Where Authorize.net wins

You already hold your own merchant account and only need the gateway layer, or your systems are already integrated against it.

## Where Paydude wins

No monthly fee. At $2,000 a month of processing, Authorize.net's $25 monthly charge alone adds 1.25% to your effective rate.

Card mix changes this comparison more than the headline rate does. The [overpayment calculator](https://www.paydude.io/resources/tools/how-much-are-you-overpaying-calculator) models Amex, premium and international share, and reports the point at which Paydude stops being cheaper.

**See the full rate card** Every tier and every situational fee, published up front. — [View pricing](https://www.paydude.io/pricing)

## Frequently asked questions

### Is Paydude cheaper than Authorize.net?

On published base rates for domestic cards, Paydude starts at 2.6% + 25¢ against Authorize.net's 2.9% + 30¢. Whether that is cheaper for you depends on card mix: Paydude surcharges Amex and premium cards at +0.3% but does not surcharge international cards, where most providers add 1–1.5%.

### When should I choose Authorize.net?

You already hold your own merchant account and only need the gateway layer, or your systems are already integrated against it.

### Can I switch from Authorize.net to Paydude?

Switching means migrating stored payment tokens, which are specific to the provider that issued them. Most major providers will run a PCI-compliant migration of the underlying card data. Confirm that path exists before committing — it is the main technical obstacle to any processor change.

### Where do these rates come from?

Both figures are publicly published standard rates for domestic card payments as of September 2026. Neither is a negotiated or promotional rate, and Authorize.net may quote you something different from its list price.