# Authorize.net Setup

Authorize.net is the payment processor used by the NotShop bundle. Unlike Shopify Payments, you own the merchant account with no platform lock-in.

**Rate:** 2.9% + $0.30 per transaction. No monthly fee on the pay-as-you-go plan.

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## Step 1: Create an account

Go to [authorize.net](https://www.authorize.net) → sign up → **Payment Gateway**.
Approval takes 1–2 business days. Requires a business bank account and EIN/SSN.

**For testing:** Free sandbox at [developer.authorize.net](https://developer.authorize.net).

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## Step 2: Get API credentials

1. Merchant Interface → **Account → Settings → Security Settings → API Credentials and Keys**
2. Copy your **API Login ID**
3. Generate a **Transaction Key**

Add to `.env`:

```
AUTHNET_API_LOGIN_ID=your_login_id
AUTHNET_TRANSACTION_KEY=your_transaction_key
AUTHNET_ENV=sandbox   # change to "production" when ready
```

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## Step 3: Test

Authorize.net test card numbers:

| Card | Number |
|---|---|
| Visa (approve) | 4111111111111111 |
| Mastercard (approve) | 5424000000000015 |
| Decline | 4000000000000002 |

CVV: any 3 digits. Exp: any future date.

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## Step 4: Go live

Change `AUTHNET_ENV=production`, redeploy, then run a real $1.00 test transaction and void it immediately.

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## Why Authorize.net

Shopify's transaction fee coercion (0.5%–2% of GMV on non-Shopify Payments processors) effectively penalizes any competing processor. Authorize.net was NaturoMedica's processor before Shopify and is restored here as the sovereign default. To use Stripe instead, see `server/payments.ts` and replace the Authorize.net SDK calls with Stripe's equivalent.