authorize.net

Authorize.net is our payment gateway, as we are a company that runs several credit card transactions daily. The fees are minimal, the customer service has always been great (even if, at times, the reasons I had to call we're not so great), and the website is about the simplest one I've ever used, considering all of the information it processes. We don't use any POS devices, just the website, but that's still MORE than enough for us.

I wish it was easier to edit ARB subscriptions; for example, if I want to simply change the date that a customer's auto-charge runs, I have to actually delete the whole thing, and create a new one to reflect the date change. That's pretty annoying, but for a website that hasn't really changed much in the 12 years since I first began using it, I can only expect so much at this point.

This is a widely used and accepted software. Lots of clients and their purchasing power makes their rates competitive.

User experience is terrible and disjointed. Impossible to look at your account holistically. Customer service was dreadful and not at all helpful. Outages were plentiful as were timeouts and errors.

Deposits are quick enough and usually only take a couple of days. Works well if you need to accept electronic checks.

Customer service is basically nonexistent. You're better off searching online forums for troubleshooting issues. Account specific resolutions take a ton of time.