Authorize.Net is a long-established US-based payment gateway that processes credit and debit card payments. It is widely used by North American businesses that need a reliable, PCI-compliant gateway without merchant-of-record complexity. WP SmartPay Pro supports Authorize.Net via its Accept.js hosted payment form.

Prerequisites

  • An Authorize.Net account. You will also need a separate merchant bank account — Authorize.Net is a payment gateway, not a payment processor with built-in banking.
  • Your Authorize.Net API Login ID and Transaction Key.
  • WP SmartPay Pro with a valid license.
  • HTTPS on your site.

Country Availability

Authorize.Net is primarily available to businesses in the United States, Canada, United Kingdom, Europe, and Australia.

Finding Your Authorize.Net Credentials

  1. Log in to your Authorize.Net Merchant Interface.
  2. Go to Account → Settings → API Credentials & Keys.
  3. Copy your API Login ID.
  4. Click New Transaction Key to generate and copy a Transaction Key.
  5. For sandbox: create a free Authorize.Net Sandbox account and follow the same steps to get test credentials.

Connecting Authorize.Net in SmartPay

  1. Go to SmartPay → Settings → Payment Gateways.
  2. Find Authorize.Net and tick Enable.
  3. Enter your Live API Login ID and Live Transaction Key.
  4. Enter your Test API Login ID and Test Transaction Key (from the sandbox account).
  5. Click Save Settings.
Screenshot of WP SmartPay Authorize.Net settings showing API Login ID and Transaction Key fields
Authorize.Net settings — enter your API Login ID and Transaction Key for live and sandbox environments.

Test Mode Configuration

Toggle Test Mode on in SmartPay. Use these test card numbers with the sandbox credentials:

Card NumberResult
4007000000027Always succeeds (Visa)
4012888818888Always succeeds (Visa)
4000000000000002Always declines

Supported Payment Methods

  • Visa, Mastercard, American Express, Discover, JCB, Diners Club
  • eCheck (ACH bank transfer) — requires additional Authorize.Net activation

Supported Currencies

USD (primary), CAD, GBP, EUR, and others depending on your merchant account configuration.

Common Errors & Fixes

  • "The API Login ID or Transaction Key is invalid" — Credentials from the wrong environment (sandbox vs production). Verify which mode SmartPay is in and use the matching set.
  • "This transaction has been declined" — In live mode, the card was declined by the issuing bank. In test mode, check you are using the correct test card numbers above.
  • Duplicate transaction error — Authorize.Net's duplicate detection flags identical transactions within a short window. If a customer double-submits, the second attempt may be declined with a duplicate error.