I'd say that if you're interesting in learning to code then Divjoy may work for you. I try not to over sell it to non-devs, but I do have a fair amount of customers who are hacking at Divjoy projects while learning to code and are very happy with that.

Since all the boilerplate works out of the box you can skip over a bunch of stuff (like understanding how auth works under the hood), but generally there's some custom logic you need to write and you'll want to pickup some JS/React to do that.

Any integration with Authorize.net would be totally done by you. You could export a codebase with Stripe payments so that you can at least see how payments logic ties in with UI.. but you'd need to then strip that out and replace with your own custom Authorize integration.