{"id":1721,"slug":"authorize-net-monthly-fee-pre-stripe-pricing-model","title":"Authorize.net and peers: monthly-fee + per-transaction pricing model — the pre-Stripe norm","kind":"reference","scope":"business","status":"current","audiences":["kevin","smb-owner","candid-team"],"topics":["pricing-models","payments-infrastructure"],"reference_body":"**Claim:** **Authorize.net** and peer payment gateways operated on a **monthly fee + per-transaction** pricing model (~$10–$25/month base + per-transaction). This was the norm before Stripe normalized **all-transactional, zero monthly** pricing.\n\n**Source:** Multiple payment-industry sources.\n\n**Confidence:** Verified.\n\n**Why this matters for Candid:** The pricing-model contrast ([[stripe-pricing-2-9-percent-plus-30-cents]]) is part of why Stripe is the canonical commodity-parts example. A storefront with light traffic was paying $25/month for the gateway *whether or not it sold anything* — a fixed cost that scaled poorly to zero.","rationale_body":null,"metadata":null,"links":{"outgoing":[],"incoming":[{"slug":"research-brief-falling-cost-floor-real-web-functionality-smb-june-2026","title":"Research brief: the falling cost floor of \"real\" web functionality for SMBs (June 2026)","kind":"reference","scope":"business","link_type":"relates-to"},{"slug":"stripe-pricing-2-9-percent-plus-30-cents","title":"Stripe pricing: 2.9% + 30¢ per successful domestic card transaction; no monthly, setup, or cancellation fees","kind":"reference","scope":"business","link_type":"relates-to"},{"slug":"pre-stripe-merchant-account-plus-gateway-plus-pci","title":"Pre-Stripe payments: merchant account + payment gateway (e.g., Authorize.net ~$25/mo) + PCI compliance burden","kind":"reference","scope":"business","link_type":"relates-to"}]},"created_at":"2026-06-21T13:17:00.558Z","updated_at":"2026-06-21T13:17:00.558Z"}