Authorize.net is a payment gateway offering card acceptance, recurring billing, invoicing, fraud tools, and merchant-account options.
Macropay is an end-to-end merchant of record for global software and AI revenue, with usage metering and tax operations included.
| Area | Macropay | Authorize.net |
|---|---|---|
| Published pricing | 4.5% + 50¢ per transaction, all-in | $25/month + 2.9% + 30¢ on the US all-in-one plan |
| Product category | AI-first Merchant of Record | Payment gateway |
| Operating model | Merchant of Record by default | Gateway services with merchant-account options through partners |
| Merchant of record | Macropay for covered transactions | Your business remains the merchant |
| Tax calculation & collection | Included for covered transactions | Authorize.net securely routes payments. It does not become the seller or provide a complete global indirect-tax operating layer. |
| Tax filing & remittance | Included for covered transactions | Your business remains responsible for registrations, returns, remittance, and tax records. |
| International & FX | Included in the published transaction price | Monthly gateway fee, transaction fees, and daily batch fee by plan |
| Billing focus | AI, agents, SaaS, and usage-based products | Card acceptance, recurring billing, invoicing, and established merchant setups |
Product scope and eligibility can vary by country and contract. Review Authorize.net's official product information.
A true comparison includes payment fees, tax liability, filing, international sales, billing software, and the people operating the stack.
Per transaction, with the core global revenue workflow included.
Gateway-only pricing is $25 monthly plus 10¢ per transaction and a 10¢ daily batch fee; merchant-account processing is billed separately in that model.
A processor may accept a tax amount at checkout—or connect to a tax calculator—without becoming the legal seller that registers, files, remits, and answers an audit.
Authorize.net: Authorize.net securely routes payments. It does not become the seller or provide a complete global indirect-tax operating layer.
Macropay: Included for covered transactions.
Authorize.net: Your business remains responsible for registrations, returns, remittance, and tax records.
Macropay: Macropay files and remits for covered transactions.
Authorize.net: Your team retains tax registration, filing, and remittance responsibility
Macropay: The MoR is the legal seller for covered transactions.
Inventory gateway, merchant-account, recurring-profile, fraud, and tax dependencies. A gateway-to-MoR move changes both payment plumbing and legal seller responsibility.
Authorize.net can be the stronger fit when its existing ecosystem, operating model, or payment footprint is central to your roadmap.
Your business remains the merchant
Authorize.net securely routes payments. It does not become the seller or provide a complete global indirect-tax operating layer. Your business remains responsible for registrations, returns, remittance, and tax records.
Authorize.net: $25/month + 2.9% + 30¢ on the US all-in-one plan. Macropay publishes 4.5% + 50¢ per transaction, including its Merchant of Record, tax, fraud, dispute, and payout operating layer. Eligibility and contracted terms can vary.
Rates shown are published US or global list prices where available. Region, risk, volume, payment method, product eligibility, and contract can change actual pricing and tax scope. This comparison is not tax advice.
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