Authorize.net alternatives in 2026 for international sales

Authorize.net is a card gateway, and most pages ranking for Authorize.net alternatives list other card gateways. If the card leg itself is your problem, another card gateway is the right shortlist and this post is not for you. This one is for the narrower case that sends people looking in the first place. Your customer list has moved outside your acquirer's footprint, and the card is the part that keeps failing.

EukaPay is the answer for that case. It accepts stablecoins or crypto from the payer, converts to fiat at a locked exchange rate, and settles to your own bank account. The payment never needs a card issuer in the buyer's market. The payment gateway alternatives compared below are Stripe, Wise Business, and Airwallex. The three criteria are cost when the payer is abroad, how the exchange rate is set on conversion, and whether the payment needs a working card.

Authorize.net publishes two main plans. The All-in-one plan is $25 per month plus 2.9% and 30 cents per transaction, and it bundles a merchant account. Authorize.net's Gateway Only plan is $25 per month plus 10 cents per transaction and a 10-cent daily batch fee. It connects to a merchant account you already hold.

Both prices are for the card leg. Neither says anything about what happens when the card at your checkout was issued in a market your processor covers poorly. That outcome is set by the issuer, not by the gateway, and it is the gap the three criteria below measure.

Card pricing is usually quoted for a domestic sale, then surcharged. Stripe's published rate is 2.9% and 30 cents per successful transaction on domestic cards, with 1.5% added for international cards and a further 1% where currency conversion is required. Airwallex publishes 2.8% and 30 cents on domestic cards, and 4.30% and 30 cents on international cards. The surcharged number is the real price of a cross-border sale, so compare that one and not the headline rate.

A cross-border sale can be priced in one currency and settled in another, so the provider sets the rate and one party carries the movement. Stripe's published card pricing adds 1% where currency conversion is required. EukaPay locks the exchange rate on every conversion by default, on pay-ins and on payouts. There is no floating mode to turn off and no per-payment setting to switch on.

This criterion decides whether an alternative solves your problem or just reprices it. Plenty of buyers have a functioning business and a functioning bank account, and no card that reliably completes a cross-border digital purchase. A crypto payment does not need an issuer's approval. EukaPay accepts BTC, ETH, LTC, SOL, USDC, and USDT on the pay-in side, and the payer completes the transfer from a hosted payment page in their browser.

Check websites for latest information.

EukaPay takes the card issuer out of the cross-border leg, because the payer sends crypto instead of presenting a card. Card acceptance itself is a job EukaPay leaves to your card gateway, and that is the honest boundary of what EukaPay replaces.

The card-side options price the international leg separately. Stripe and Airwallex both publish a separate, higher rate for international cards. Wise Business charges a one-time 31 USD fee for local account details, and receiving domestic payments is free in nine currencies. If your customers already pay you by card without trouble, keep the card gateway, and add EukaPay for the sales that card rails handle badly.

Most of them sit beside the card gateway, and EukaPay is built to. It runs as a second pay-in route on the same checkout. A buyer who cannot complete a card payment gets another way to finish the order, and you keep your existing processor for everyone else. A card gateway such as Stripe or Airwallex is a true replacement for Authorize.net, since it does the same job of authorizing and capturing card transactions. Wise Business is neither, because it is an account instead of a checkout.

For how those roles divide across a full stack, read the

international payment gateway

guide. The

cross-border payment collection

piece covers what a single global account does to the timing of your cross-border payments.

EukaPay runs deposits, payouts, and fiat settlement through one account. That means instant crypto-to-fiat conversion at a

locked exchange rate

to remove your exposure to crypto price swings, support for most major cryptocurrencies, and settlement in USD, EUR, GBP, and CAD to your bank account. A crypto payment confirms on-chain, so protection against chargebacks is a property of the payment method. Payouts go out in ETH, USDT, and USDC, with the asset and network set per payout, and they are not tied to banking hours or the banking calendar.

If you are on Authorize.net today and your cross-border conversion rate is the thing you are trying to fix, add EukaPay as a second pay-in route and keep the card gateway you already run. That gets you a checkout that does not depend on the buyer's issuer, a locked rate on every conversion, and fiat in your own account. Generate a key in the staging environment, build the integration, then put your first live order through it.

Create an account at

app.eukapay.com/signup

, complete verification, provide your legal business information, and generate an API key. The

API documentation

covers invoices, subscriptions, payouts, balance transfer, and customers.

What is the best Authorize.net alternative for international sales?

EukaPay, for the cross-border leg specifically. The payer sends crypto instead of presenting a card, and the exchange rate is locked on every conversion, on pay-ins and on payouts.

How much does Authorize.net cost per month?

Authorize.net's published gateway price is $25 per month, with per-transaction charges added on top.

How is EukaPay priced?

Volume-based, agreed with the EukaPay team during onboarding. Your existing card gateway stays in place, so you are adding a route rather than swapping one out.

Can I use an Authorize.net alternative alongside Authorize.net?

Yes. EukaPay is often added as a second pay-in route on an existing checkout. You keep your current card gateway, and buyers who cannot pay by card get another way to complete the order.

Which cryptocurrencies can I accept with EukaPay?

Pay-ins support BTC, ETH, LTC, SOL, USDC, and USDT, among others.

Which cryptocurrencies can EukaPay pay out?

Payouts go out in ETH, USDT, and USDC, with the asset and network set per payout.

Do I have to hold crypto if I accept it?

No. You choose fiat settlement, and EukaPay converts at a locked exchange rate and sends USD, EUR, GBP, or CAD to your own bank account.

Does EukaPay process card payments?

No. EukaPay handles crypto and stablecoin pay-ins, crypto payouts, and fiat settlement. Card acceptance stays with your card gateway.