A modern Authorize.net alternative
Authorize.net is a dependable gateway, but you still have to source a compatible high-risk merchant account and live with a dated integration. Spectrum ePay bundles a high-risk merchant account with a modern drop-in checkout.
Why merchants leave Authorize.net
Gateway and merchant account sourced separately, then made to fit
Dated, hosted-page checkout experience
Add-on and gateway fees stacking on top of processing
High-risk approval still depends on a separate underwriter
Authorize.net vs. Spectrum ePay
A head-to-head look at what changes when you switch.
How Spectrum ePay solves it
Gateway + account together
One relationship for both the gateway and the underwritten merchant account, so you're not stitching vendors together.
Modern checkout
Drop-in, no-redirect checkout with Apple Pay and Google Pay — not a dated hosted page.
One flat rate
Transparent pricing with no long-term contract, instead of layered gateway and add-on fees.
Frequently asked questions
How is Spectrum ePay different from Authorize.net?
Authorize.net is primarily a gateway — you pair it with a separately sourced merchant account. Spectrum ePay bundles the high-risk merchant account and a modern drop-in checkout in one relationship, with wallets included and one flat rate.
Can I keep customers on my site at checkout?
Yes. Our drop-in checkout and hosted fields keep customers on your site with no redirects or pop-ups, including Apple Pay and Google Pay.
Is high-risk underwriting included?
Yes — high-risk models are underwritten in-house to a dedicated merchant account, so you don't need a separate underwriter.
Ready to leave Authorize.net behind?
90%+ approvals, USD payouts to your U.S. bank, and a checkout that feels like Stripe. Same-day integration, no contract, one flat rate.