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.

Step 1: Create an account

Go to 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.

Step 2: Get API credentials

Merchant Interface → Account → Settings → Security Settings → API Credentials and Keys
Copy your API Login ID
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

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.

Step 4: Go live

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

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.

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