This article helps merchants view and understand the fees and billing statements for their Authorize.net account.

How to view account fees?

1. Sign in to the Merchant Interface.
2. Select Account from the main toolbar.
3. Click on Merchant Profile in the main left side menu.
4. Click on Fees to the right of Payment Gateway in the Payment Methods section.

Payment Gateway Fees

• Gateway Setup Fee: Charged for the creation and setup of a new gateway account.
• Gateway Monthly Fee: Monthly fee for a payment gateway account.
• Credit Card Transaction Fee: Charged for each credit card transaction processed.
• Batch Fee: Assessed per settled credit card transaction batch.
• Credit Card Discount Rate: Percentage of the total amount of each credit card transaction submitted.
• Credit Card Monthly Minimum Fee: Minimum credit card processing service fee charged per billing cycle.
• Returned Payment Fee: Assessed if your bank returns an ACH or credit card debit attempt for Authorize.net billing.
• Late Payment Fee: Assessed for late payment of service fees.
• Service Reactivation Fee: Assessed to reactivate a closed payment gateway account.
• Abandon Account Fee: Assessed if no further communication can be made with a merchant to apply a credit to the ACH or credit card on account.

Note the above fees are the base account fees and additional fees may display if and when additional products and services are enabled.

How to view billing statements?

1. Sign in to the Merchant Interface.
2. Click on Statements.
3. Click on Billing.

The billing statement displays a summary of all fees associated with processing transactions through the system. The fees are listed individually with a description of the fee under Item Description. The most current charges are listed at the top of the statement.

Depending on services enabled you may see more than one statement type, below are examples of the statement types:

• Billing Statement – This statement tracks monthly billing for your payment gateway service fees.
• Billing Reserve Statement (eCheck related) – This statement tracks funds withheld from batch settlement funds for payment gateway service fees. These funds are applied toward your monthly billing.
• Settlement Statement (eCheck related) – This statement tracks all funds received from batch settlements.
• Reserve Statement (eCheck related) – This statement tracks a percentage of batch settlement funds withheld to cover potentially high risk transactions.
• Tax Invoices – This statement lists all taxes generated for your account for the past six years. Tax invoices are only visible to UK, European and Australian accounts.

Understanding Fees and Charges

To find the fees charged for a specific month, scroll down until you find all entries for that month, indicated by the billing date. The total amount withdrawn from your bank account or charged to your credit card will be the first line.

Key Terms on Your Billing Statement

• Current Outstanding Balance: The amount currently owed for service and other applicable fees. This is billed monthly.
• Date: The date of the statement entry.
• Type: The type of action taking place for your Billing sub-account. For example, Payment.
• Item: The specific item or action taking place. For example, Credit Card Payment.
• Item Description: Any additional description of the Item. For example, Payment Received.
• Amount: The amount being transferred, billed, or refunded. If this amount appears in parentheses, funds are being transferred to your merchant bank account.
• Account Balance: The current dollar amount in your Billing sub-account. A positive balance indicates funds owed to the payment gateway. A negative balance (displayed in parentheses) indicates funds owed to you.

Tips for Reading Your Billing Statement

• Amounts in parentheses, for example "(272.02)", indicate that funds are being transferred to your merchant bank account. The Account Balance is decreased by the same amount.
• Amounts not enclosed in parentheses indicate charges or return payments to your Billing sub-account. The Account Balance is then increased by the same amount.

Billing Fees and Statement FAQs