Reduce costs while offering your customers an additional payment option. Accept and process electronic check payments directly from your Web site. Authorize.Net provides an exclusive, fully integrated electronic check payment method, eCheck.Net. Using eCheck.Net, merchants can accept and process payments from consumer and corporate bank accounts directly from their Web site or through the Authorize.Net Virtual Terminal. By accepting electronic checks, you expand the payment options available to new and existing customers, enhancing customer loyalty and potentially increasing sales.

• Lower Fees - Lower rates than credit cards or PayPal.
• More Efficient - eCheck.Net does everything online, eliminating the cost and inconvenience of manually processing paper checks and waiting for checks in the mail.
• Fully Integrated Solution - No third-party integration required—implementing eCheck.Net is easy for merchants already using the Authorize.Net Payment Gateway.
• Integrated Reporting - Provides a combined view of all eCheck.Net and credit card payment transactions. Reconcile payment and billing activity using online reports and statements.
• Ship Product Sooner - Improved up-front transaction validation that returns the status of transactions faster.
• Security - Authorize.Net uses the latest 128-bit Secure Socket Layer (SSL) technology for secure Internet Protocol (IP) transactions.

Automated Recurring Billing (ARB)™

Allow your online customers to choose installment payments from your custom payment form when you integrate your Web site directly to our ARB application programming interface (API). ARB does the rest, generating subsequent transactions based on the schedule provided.

• Improve Billing Efficiency - ARB provides multiple methods for creating subscriptions as well as flexible rebilling options.
• Improve Security - Eliminates the need to store sensitive data on computer systems, reducing the risk of compromised customer information.
• Enhance Loyalty - ARB allows you to provide customers with a flexible, no-hassle billing plan using either a credit card or our exclusive electronic check service, eCheck.Net®.
• Reduce Costs - ARB eliminates many of the costs associated with manual billing, with no additional per-transaction fee. In addition, ARB helps you effectively manage your subscriptions with e-mail notifications of upcoming credit card and/or subscription expirations.

Customer Information Manager (CIM)

Store sensitive payment data on our secure servers, simplifying payments for returning customers and recurring transactions. CIM also helps you comply with the PCI Data Security Standard, since customer data is no longer stored locally. CIM is an ideal tool for businesses that need to securely save customer data and provide convenience for their customers.

• Process Recurring Transactions - You bill your customers different amounts or on different days each month. (e.g. utility companies)
• Process Usage Charges - You bill your customers only when the service is used. (e.g. pay-as-you-go cell phones)
• Simplify PCI Compliance - You are concerned with PCI compliance and protecting your customers’ confidential information.
• Store Customer Data - You want to provide returning customers with the convenience of not having to re-enter their personal data every time they visit your Web site.
• Provide Payment Flexibility - Your customers can store multiple payment methods for repeat purchases.
• Save Multiple Shipping Locations - Your customers can also save multiple shipping locations.      (Note: Integrating the CIM API to your Web site requires the expertise of a Web developer. )