56 lines
1.6 KiB
Markdown
56 lines
1.6 KiB
Markdown
# 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](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).
|
||
|
||
---
|
||
|
||
## 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
|
||
```
|
||
|
||
---
|
||
|
||
## 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.
|