Manifold can charge cards directly through your existing Authorize.net merchant account. You keep the merchant relationship, the funds settle to your bank, and Manifold acts as a software integration on top - similar to how QuickBooks or WooCommerce connects to Authorize.net.

To connect

  1. Go to Settings > Payments.
  2. Scroll to the "Authorize.net (BYO integrated charging)" section.
  3. Open authorize.net in another tab, go to Account > Security Settings > API Credentials & Keys, and copy three values:
  • API Login ID
  • Transaction Key (you may need to generate a new one)
  • Public Client Key (generate one if none exists)
  1. Paste all three into the Manifold form, pick the right Environment (Sandbox for testing, Production for live), and click Validate & Connect.
  2. Manifold sends a test request to Authorize.net to confirm the credentials work. On success, the section flips to "Connected" with masked values and a "Last validated" timestamp.

Once connected, a new "Charge Card (Authorize.net)" panel appears on every invoice with a balance due. Pick "I use Authorize.net" at the top of Settings > Payments to make it the active payment mode.

You can re-validate the connection any time (useful after rotating your Transaction Key at Authorize.net) or disconnect (which deletes the credentials but does not touch saved cards held in Authorize.net's vault).

The Transaction Key is stored encrypted at rest and is never displayed back to you. The Public Client Key is stored as plain text - it's a value Authorize.net explicitly designed to be browser-exposed for client-side card tokenization.