Gateway
Authorize.Net
Payment Layer
PaymentHub
PaymentHub + Authorize.Net: Keep your established Authorize.Net processing relationship while adding automated ERP posting, invoice-level reconciliation, and Level 2/3 interchange optimization through PaymentHub.
PaymentHub's Authorize.
Supported Payment Methods
Routing Rules & Orchestration
Primary gateway for established card processing — leverage existing Authorize.Net negotiated rates
ACH routing — eCheck.Net through Authorize.Net or dedicated ACH processor for lower fees
Failover routing — secondary gateway activates if Authorize.Net experiences processing issues
Legacy migration path — maintain Authorize.Net for existing customers while routing new volume to modern processors
Amount-threshold routing — high-value transactions through Authorize.Net with negotiated enterprise rates
Fee Optimization
Level 2/3 Data Enrichment Supported
PaymentHub automatically enriches transactions through Authorize.Net with Level 2 and Level 3 line-item data, qualifying B2B card transactions for lower interchange rates. Most merchants save 30-60 basis points per transaction.
PaymentHub submits Level 2 (customer code, tax amount, merchant postal code) and Level 3 (line-item detail including commodity codes, unit costs, and quantities) data with every qualifying B2B card transaction through Authorize.Net. Many organizations using Authorize.Net have never enabled Level 2/3 data submission because the gateway does not automate this capture. PaymentHub fills this gap by pulling invoice detail from your ERP and formatting it for Authorize.Net's Level 2/3 fields. Typical interchange savings range from 0.40-0.90% per qualifying transaction — often the single largest fee reduction available.
Gateway Setup
Retrieve Authorize.Net API Login ID and Transaction Key from your existing Authorize.Net merchant account
Configure PaymentHub gateway connector with Authorize.Net credentials and test/production endpoint selection
Enable eCheck.Net for ACH processing if not already active on your Authorize.Net account
Configure Level 2/3 data capture rules — map ERP invoice fields to Authorize.Net Level 2/3 data elements
Set up transaction notification webhooks for real-time payment status updates and settlement processing
Security & Compliance
PCI DSS Level 1 compliance via Authorize.Net; PaymentHub uses Accept.js for client-side tokenization
Authorize.Net Customer Information Manager (CIM) for secure payment profile storage and reuse
Advanced Fraud Detection Suite (AFDS) with configurable velocity filters, AVS, and CVV requirements
TLS 1.2+ for all API communication; transaction data encrypted at rest in Authorize.Net vault
Ready to add Authorize.Net to your payment stack?
Get a personalized routing analysis that shows how PaymentHub orchestrates transactions across your gateways for maximum savings.
Other Payment Gateways
NMI
Leverage NMI's processor-agnostic gateway for maximum flexibility in processor selection while PaymentHub handles ERP posting, reconciliation, and fee optimization.
Heartland (Global Payments)
Route B2B card transactions through Heartland for Level 2/3 interchange optimization while PaymentHub handles invoice matching, GL posting, and automated reconciliation in your ERP.
Chase Paymentech
Process payments through Chase Paymentech's enterprise bank-backed infrastructure while PaymentHub automates invoice matching, GL posting, and settlement reconciliation in your ERP.
Frequently Asked Questions -- Authorize.Net
Optimize every transaction across every gateway.
Our Payments Blueprint call includes a live routing analysis and delivers a custom gateway orchestration plan for your payment stack.