Payment OrchestrationProcessors

Authorize.net

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Accept card and digital wallet payments through Authorize.net using PaymentKit. PaymentKit handles PCI compliance and securely orchestrates all payment operations with Authorize.net.

Set up summary

To accept payments with Authorize.net in PaymentKit, you will need to:

  1. Generate Authorize.net API credentials
  2. Configure Authorize.net fraud settings
  3. Connect Authorize.net to PaymentKit
  4. (Optional) Enable Apple Pay
  5. (Optional) Enable Google Pay

Generate API credentials in Authorize.net

PaymentKit needs your API Login ID and Transaction Key to securely communicate with Authorize.net.

  1. In your Authorize.net account, navigate to Account → Security Settings → API Credentials & Keys
  2. Copy your API Login ID
  3. Click New Transaction Key → Submit
  4. Enter the verification PIN sent to your email/phone
  5. Copy the Transaction Key

Ensure test mode is turned off before going live.

Configure Authorize.net fraud settings

  1. In your Authorize.net account, navigate to Tools → Fraud Detection Suite
  2. Ensure your settings align with recommended configurations:
1

Card testing settings

  • Daily velocity filter → Not configured
  • Hourly velocity filter → Disabled
  • Suspicious transaction filter → Review
  • Transaction IP velocity filter → Disabled
2

Transaction settings

  • Enhanced AVS handling filter → Multiple actions selected
  • Enhanced CVV handling filter → Multiple actions selected
  • Enhanced AVS handling filter → Report only
3

E-commerce settings

  • Shipping address verification filter → Not configured
  • IP-shipping address mismatch filter → Not configured
  • Regional IP address filter → Not configured
  • Shipping-billing mismatch filter → Not configured
4

IP address administration

  • Authorized API IP addresses → Not configured
  • IP address blocking → Not configured
  1. Run the Setup Wizard

Make sure “Process as normal and report filter(s) triggered” is selected in Setup Wizard.

Connect Authorize.net to PaymentKit

  1. Navigate to Developers → Payment Processors
  2. Click Add Processor and select Authorize.net
  3. Enter your API login ID and Transaction Key
  4. Turn on the payment methods you want to accept payments in (for Apple Pay and Google Pay, you will need to complete the additional steps below)

Enable Apple Pay

Apple Pay requires a custom domain and a valid Apple Pay Merchant Identity Certificate. This section walks you through what’s needed so your website can securely accept Apple Pay payments through Authorize.net and PaymentKit.

Authorize Apple Pay in Authorize.net

  1. In Authorize.net, enable Apple Pay as a payment method following their guides (guide 1 / guide 2)
  2. Verify your website domain with Apple to allow it to process Apple Pay transactions — this ensures that your domain is authorized to initiate payments

Create an Apple merchant ID

  1. In the Apple Developer Portal, navigate to Identifiers → Merchant IDs
  2. Click ”+” to create a new merchant ID, and enter:
    • Description: e.g., "Apollo Apple Pay"
    • Merchant Identifier: e.g., merchant.com.apollo

Generate a certificate signing request (CSR)

To authorize Apple Pay for your Merchant ID, you need a certificate containing a private key:

  1. On macOS, open Keychain Access → Certificate Assistant → Request a Certificate from a Certificate Authority
  2. Enter your email and a common name for the key (e.g., "Apollo Apple Pay Key").
  3. Save the request to disk and choose a 2048-bit RSA key. This produces a .certSigningRequest file
  4. Upload this CSR in the Apple Developer Portal to generate your Apple Pay Merchant Identity Certificate (.cer file) — download this

Export and convert the certificate

  1. Install the .cer in your macOS login keychain
  2. Expand the certificate entry to view the private key
  3. Export the certificate + private key as a .p12 file, and set a password
  4. Convert the .p12 to a .pem private key for PaymentKit using Terminal:
$openssl pkcs12 -in merchant_id.p12 -nocerts -out key.pem -nodes

Make sure the .p12 contains both the certificate and private key — otherwise the .pem will not work.

Turn on Apple Pay in PaymentKit

  1. Navigate to Developers → Payment Processors
  2. Edit your Authorize.net processor settings
  3. Turn on Apple Pay and upload the .cer and .pem files
  4. Enter your Authorize.net Account ID and Merchant Name

Enable Google Pay

Google Pay requires a Google Pay Merchant Account and a verified Merchant ID. This section walks you through what’s needed so your website can securely accept Google Pay payments through Authorize.net and PaymentKit.

Coming soon.

Embedding Apple/Google Pay into custom checkout

Once enabled, Apple Pay and Google Pay can be integrated directly into your custom checkout form using PaymentKit’s ElementsForm. Click to learn more.

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