How payments work in ThriveCart
ThriveCart's help center page on connecting a payment processor lists Authorize.net for debit and credit card processing, and links to a separate Authorize.net integration article.
The same page lists Apple Pay and Google Pay as working through Stripe Connect Plus, not through Authorize.net.
ThriveCart is checkout page software for online sellers.
This guide covers online and invoice payments, the ones ThriveCart takes through its payment connection.
What changes and what stays
What changes
- The payment connection inside ThriveCart: either a new gateway login, or a new account behind the gateway you already use. We tell you which after we read your statement.
- Who settles your card money and sends your monthly statement.
- Your fees. We show you the real numbers from your own statement and never predict them.
What stays
- ThriveCart itself, with your customers, records and the way you work.
- What your customers see when they pay, in most cases.
Who this suits
Best fit
- A seller with card-only checkouts that does not need digital wallets from the same processor.
- Your processing contract is near its end, or you can time a change around it.
- You have not looked at your statement in a while and want a person to read it with you.
Not a fit
- A seller who relies on Apple Pay and Google Pay at checkout, which ThriveCart lists as working through Stripe Connect Plus.
- Your statement is already clear and you are happy with it. Then the honest answer may be to stay where you are.
- You are in the middle of a contract with a large early cancellation fee and cannot time a change.
What a switch involves
- Send your latest statement. A person reads it with you and works out your effective rate. This is free and there is no pressure to switch.
- We check what ThriveCart allows for your setup. Plans and settings differ, so we confirm what your ThriveCart account can do. If the honest answer is to stay, we say so.
- Apply for the new account, if a change makes sense. This takes business and bank details. How long it takes varies with the account review and with any hardware involved.
- Update the payment connection in ThriveCart. Enter the new connection details in your payment settings and run a test payment before you tell customers anything.
- Move saved cards and recurring payments, then close the old account. Do this when your contract allows it. Closing the old account too early can stop recurring charges.
Timing varies. We give you a realistic timeline for your setup when we read your statement.
What to watch
- If you offer Apple Pay or Google Pay at checkout, check which processor each one needs. ThriveCart lists them as working through Stripe Connect Plus.
- Cards your customers have saved on file. Ask whether they can be moved to the new setup, or whether customers would need to enter them again.
- Recurring billing and subscriptions, which are tied to those saved cards.
- Gift card balances, if you sell gift cards.
- Card surcharges. Card network rules and some state laws limit them, so check before you add or keep one.
- Your current contract end date and any early cancellation fee.
Questions merchants ask
What does ThriveCart list Authorize.net for?
Its help center lists Authorize.net for debit and credit card processing.
Do Apple Pay and Google Pay work with it?
ThriveCart lists them as working through Stripe Connect Plus, not Authorize.net.
Is there a setup guide?
Yes. The help center links to a separate Authorize.net integration article.
How do I see what I pay now?
Open your monthly processing statement and add up every fee. Divide that total by your card sales for the month. The result is your effective rate, the real percentage you pay after every fee. Our free statement review walks you through it.
See what you pay, for free
A person reads your statement with you and tells you what each fee means and whether a different processor is even possible with ThriveCart. There is no pressure to switch.