Built this decade, not last.
Authorize.net is a 25-year-old gateway bolted onto a separate merchant account, charging you monthly just to exist. Krepling Pay is one modern, native rail — transparent pricing, T+1 settlement, and a team behind you. No middleware, no monthly toll.
Authorize.net is plumbing.
Krepling Pay is infrastructure.
Authorize.net is a gateway — and only a gateway. It passes your transactions through to a separate merchant account you have to source, contract, and manage yourself, and it charges you a monthly fee plus per-transaction fees for the privilege. It's stable, it's old, and it hasn't meaningfully evolved in years. Krepling Pay is the whole stack in one: gateway, processing, settlement, and advisory — native to your store, on independent Krepling rails, built for how commerce works now.
| Feature |
|
|
|---|---|---|
| What it is | Full payment rail (all-in-one) | Gateway only |
| Merchant account | Included | Separate — you source it |
| WooCommerce-native | Yes, purpose-built | Plugin-dependent integration |
| Pricing model | Transparent interchange-plus | Monthly fee + per-transaction + gateway fees |
| Monthly gateway fee | None | Yes |
| Rate improves with volume | Yes — IC+ scales down | Depends on your separate processor |
| Settlement | T+1 on Krepling rails | Depends on your merchant account |
| Support model | Dedicated advisory + concierge | Tiered support tickets |
| Agentic commerce ready | Independent rail for the open web | Legacy gateway architecture |
| Modern checkout (wallets, 1-click) | Built in | Add-ons / dated UX |
Stop paying a toll to a tollbooth.
Authorize.net stacks fees: a monthly gateway fee, a per-transaction gateway fee, and whatever your separate merchant account charges on top — a layered bill where no single line tells you your true cost. Krepling Pay is interchange-plus, all in one: the real network cost plus one clear margin, no monthly fee to keep the lights on. As you scale, your effective rate drops. With Authorize.net, you're still paying monthly even in a month you sell nothing.
Why manage a gateway and a merchant account?
Authorize.net only moves the transaction — you still have to find, underwrite, and maintain a separate merchant account to actually get paid, then keep two relationships, two contracts, and two support lines in sync. Krepling Pay is the gateway and the processing and the settlement, unified. One contract, one dashboard, one team. Less surface area, fewer points of failure, nothing duct-taped together.
A gateway from 1996 wasn't built for 2026.
Authorize.net predates one-click checkout, mobile wallets, and the entire modern commerce experience — and it shows. You're bolting current expectations onto legacy architecture with plugins and workarounds. Krepling Pay is native: one-click returning checkout, Apple Pay and Google Pay, stored wallet, and native subscriptions, all built in. Not retrofitted. Designed in.
Legacy gateways can't see what's coming.
We're built for it.
AI agents will soon transact on behalf of customers, and a 25-year-old gateway architecture has no answer for it. Krepling Pay is the independent agentic payment rail for the open web, so when agents start checking out, your store is ready — not waiting on a legacy provider to reinvent itself.
A gateway sends invoices. We send a team.
Authorize.net gives you a support tier and a ticket queue. Krepling Pay gives you direct advisory access: performance updates, ongoing optimization, data insights, and tax guidance from people who know your business. White-glove implementation to get you live, and a real partner once you are.
Reliability, without the relic.
Authorize.net's one real selling point is that it's been around forever. Krepling Pay gives you that stability on modern, independent Krepling rails — secure, PCI-compliant tokenization, real-time fraud scoring, and a chargeback API that fights back. Proven foundations, current technology.
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One-click returning checkout
Stored cards, addresses, and shipping preferences — the same frictionless flow your shoppers expect.
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Apple Pay & Google Pay
Tap to pay on every device, baked in. No extensions, no extra setup, no surcharges.
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Intelligent retries
Smart logic recovers failed charges so subscriptions and high-AOV carts don't slip through.
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Krepling Wallet
A returning-shopper wallet that lives in your store — your brand, your data, your relationship.
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PCI-compliant tokenization
Hosted-fields tokenization keeps card data off your servers and your PCI scope minimal.
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Chargeback API
Automatic dispute responses with evidence baked in — fewer manual fights, more recovered revenue.
Live in days, not quarters.
No replatforming, no rebuild. Krepling Pay drops into the store you already run — our team handles the heavy lifting.
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Step 1
Connect your store
Integrate Krepling Pay into your existing store. No migration, no downtime, no touching your theme.
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Step 2
We structure your rate
Share your volume and product mix. We build interchange-plus pricing around how your business actually runs — white-glove, no guesswork.
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Step 3
Go live and get paid
Flip the switch and start processing. Funds settle T+1, and your customers get the one-click checkout they expect.
Trade the legacy gateway
for a modern rail.
One stack, transparent pricing, no monthly toll — native to your store and built for what's next.