7+ Best Payment Gateways for BigCommerce in 2021

Updated: December 01, 2022


BigCommerce is not only famous for its beautiful themes, talented developers and experts to help you quickly set up customer’s next favourite place. Its 65 BigCommerce payment gateways offered to its users is another plus.

In today’s paper, we are going to review the definition of BigCommerce payment gateways, how it works and other information related to this field of concerns.

What are BigCommerce Payment Gateways? How does it work?

If you see any websites or online stores that offer different payment methods such as PayPal, Visa, MasterCard and so on, there is a higher chance that they are all using payment gateways.

BigCommerce payment gateways are no exception. They are softwares that store owners use to collect and process online transactions. With only one payment gateway, consumers are able to pay the bill through a plethora of payment methods.

What are BigCommerce Payment Gateways

Looking at this picture provided by BigCommerce, a Merchant Service Provider acts as the third party between your BigCommerce business and other credit card banks and companies. It will offer you the opportunity to make use of BigCommerce payment gateways.

Following are the reasons why you should use BigCommerce payment gateways:

  • It integrates into your online store which helps you to process consumer payment details.
  • BigCommerce payment gateways transfer information about your customer into codes, then safely transmit them.
  • Once your transaction is accepted or declined for any reason, BigCommerce payment gateways will automatically relay back to store owners. This actually helps you to send the client to a validation page or convince him/her to try out another method of payment.

Types of BigCommerce Payment Gateways

BigCommerce payment gateways are divided into 3 different categories based on how it functions and being used:

1. Hosted payment

Hosted payment gateways or ”Redirects” - just like their names, the moment a customer decides to check out, these gateway links will automatically direct them to a brand new page to complete the transaction including processing and choosing payment method. This page is called Payment Service Provider (PSP) page.

The most outstanding example for this kind of BigCommerce payment gateways can be named PayPal.

On one hand, they offer PCI-compliant payments as well as fraud protection for consumers, which means the customer’s information will be secured. Besides, consumers are more familiar with this type of payment and it is even easier for store owners to adjust payment gateways.

On the other hand, you might deal with several difficulties while monitoring your users’ experiences as redirects are external.

2. Transactions are handled on-site

On-site payments are pretty common among large-scale businesses. Everything from checking out to processing customer’s payments are done entirely on your own computers. This feature allows big companies to take control of their users’ information for better services in the future.

However, owners need to be responsible for their security because every little detail of their customer’s demographics are controlled by them. Once the information is leaked out, it also has the same meaning as your company’s failure.

If you are keen on this type of BigCommerce payment gateway, your choices and obligations must be known.

3. On-site checkout with off-site payments

This type of BigCommerce payment gateways is applied by one of the most famous sites - Stripe.

In general, users will be forwarded in to a website for payment gateway to fill out their contact and payment details. After the form has been successfully created, the website of your online store will appear along with payment notification data.

Stripe uses the exact same way for their customer’s paying process. But every coin has two sides - advantages and disadvantages.

Its simplicity attracts more customers and might increase conversion rate for your online store. Many consumers quitted buying a product just because the payment section is too complicated and time-consuming. Moreover, if on-site payment gateways are suitable with companies who have to handle a large number of orders on a daily basis, this particular gateway was born for small companies. Its easy-to-set-up feature will be an incentive for your business.

Conversely, you need to keep an eye on your customer’s experience more frequently. Because using this type might cause troubles.

Top 7 BigCommerce payment gateways

So, you are still curious about what payment gateway suits with your BigCommerce business the most. On the basis of services, uses, functionality and security system, we have chosen out 7 best BigCommerce payment gateways on the market:

1. AmazonPay


This hosted payment gateway was officially released by Amazon in 2007. It allows consumers to fill in payment details on the provider’s website instead of your website. They will then be directed back to the shopping site when the paying process is finished.

The true value of this lies in the fact that users can save their delivery as well as purchasing information just within one access. Right after they log in with their account, Amazon Pay will quickly pass the details about payment and delivery into the website they are using. This feature is not only time-saving to users but also to store owners.

AmazonPay is one of the highly regarded BigCommerce payment gateways. It does not charge you with setup fee, fraud protection fee and it does not even require a contract. If you are looking for a payment gateway which is saved both time and money, this is it.

AmazonPay is charging its clients 2.9% on domestic payments with an additional of $0.30/transaction. If you want to transfer your money to another country, you will be charged 3.9%.

2. PayPal

If you have ever ordered something on the Internet, you have definitely learned about PayPal. It belongs to the redirect type of BigCommerce payment gateways, which we haven mentioned above. With its provided feature, a large number of entrepreneurs and BigCommerce store owners are fond of it.


PayPal is one of the first payment methods to offer a means for money to be charged and exchanged conveniently and safely with the help of the Internet without using a credit card. The ease of usage and convenience of setting up one system also makes it hard to ignore.

Just like AmazonPay, PayPal does not charge its users any additional fee for fraud protection security. Moreover, you will be offered two alternatives: the ability to use checkout payment hosted by PayPal without paying any cents or only 25$ per month for more functionality of checkout customization.

PayPal’s fee resembles AmazonPay. Their processing fee is 2.9% with an additional $0.30 per payment.

3. Stripe

Supported by more than 22 countries in the world, Stripe is a rising star. With a fair price, Stripe is currently considered one of the most popular BigCommerce payment gateways, especially among developers and eCommerce store owners.


Its biggest benefit is that Stripe is perfect for users who are not specialized in technology along with easy-to-install API integrations for every major eCommerce site. In addition, they are constantly developing and introducing multiple new features including Bitcoin transfers and beta tests for WeChat Pay.

All of these advances will allow online merchants to expand their market with the most updated technology solutions. And its payment processing fees is the same with PayPal.

If you also want to improve your customer experience with technology, Stripe is here to help.

4. Square


Are you owning a small business? And are you seeking for the best BigCommerce payment gateway for your online store? Then Square is the perfect solution.

Square is a system which processes creditcare and provides payment gateway for actual credit card swipers connected to your smartphone. Now you do not have to worry whether your customer wants to pay by physically swiping their credit cards anymore.

If you use Square for credit card swiping payments, then you will have to pay 2.75% as a processing fee. And if it’s only normal transactions then it might cost you up to 3.5% plus $0.15.

5. Apple Pay

Using Touch ID or Face ID to process payments nowadays is popular among customers because of its convenience and fast speed. For this reason, providing these two features might be beneficial for eCommerce businesses. Among a wide variety of BigCommerce payment gateways, Apple Pay is favoured for its mobile-payment traits. Most of the emphasis is on customers who choose to keep an electronic wallet to accommodate their purchases. Through these services, merchants might accept purchases from about 383 million iPhones worldwide, with an approximate 43 percent of all iPhone consumers using Apple Pay.

Apple Pay

Apple Pay requires their users to spend 3% of processing fees without any additional expenditures.

6. Authorize.net

With 25 years of experience in handling transactions, Authorize.net clearly knows what they are doing and how to serve their customers with best services.

It is compliant with most major eCommerce sites and provides functionality such as fraud prevention, monthly payments and quick checkout with no extra charges. The most important thing is that it allows store owners to process transactions across a variety of payment gateways such as PayPal, Apple Pay or credit cards.

When your company is getting large enough to choose a merchant account through your bank to get decent payments, Authorize.Net provides a payment portal only plan so you don’t have to adjust everything on your web. However, you will have to pay a small amount of money to have the access to this special feature.

Up to this point, Authorize.net is asking you to pay 2.9% as the processing fees. If you want to use other payment providers, you will have to spend an addition of $0.30 per transaction.

Authorize Pay

7. Braintree

Even though Braintree was bought by PayPal, they still managed to retain their affordable pricing and stated themself as one of the most considerable BigCommerce payment gateways.


Braintree supports almost every other payment gateway ranging from PayPal, ApplePay, Android Pay and even Bitcoin through Coinbase. This advance will allow Braintree users to widen their scope of customers, especially people who are keen on using one of the mentioned paying methods.

Braintree charges the same price as PayPal for domestic payments. Meanwhile, retailers will have to pay 1 percent additional if the payments are international.

How to secure your BigCommerce payment gateways?

Security problems have always been an obstacle for BigCommerce payment gateway. These providers for payment methods need to assure that their users’ information is safely stored and money is transferred securely.

Retailers also have a responsibility when it comes to keeping data about their consumers. No one wants their information and money to be leaked out to strangers or hackers. So what should store owners do to protect their BigCommerce payment gateways ?

First of all, we will provide you with two types of possible fraud you may have to deal with on the eCommerce platforms:

  • Unauthorized purchases: most online merchants will permit their customers to save their credit card numbers and private information with only one-time access. But, this action can allow thieves to approach the user’s login information then process payments under your consumer’s name.

  • Identity theft: a scammer can easily log in your customer’s account and make purchases after stealing their personal information and data on payments.

These are, by far, 5 tips that we recommend to both detect frauds quickly and increase your customer experiences.

1. Make use of AVS

The Address Verification System or AVS will compare the billing address claimed for the credit card with the details that the issue company of the credit card saved in the customer’s register. Even Though most BigCommerce payment gateways have already installed this particular tool, store owners should still search and make sure that the details are correct.

2. Keep track of transactions and check for red flags

A number of unusual acts suggest potential theft. Has the consumer unexpectedly adjusted their shipping information? Are they using a strange gadget other than the normal to purchase a product from your store? Fraud prevention tools will help you quickly identify these behaviors and submit warnings to the clients.

Constantly checking your payments may help you to detect unwanted frauds and reduce the damages it can cause for your business.

3. Limit for expenditures

When someone else’s credit card is used by a scammer, they will have the tendency of using it as much as possible until the card is identified and revoked. Therefore, you should suggest restricting the sum a consumer will spend on your shop within 24 hours. Also with the use of fraud detecting instruments, it will take some time to avoid fraud - an expenditure cap reduces risk.

4. Require the CVV code

The CVV code is the three or four numbers written on the back of the credit cards. Online retailers are not permitted to store CVV details to conform with PCI. This means that the buyer requires a physical credit card to make a payment from your shop. There is no point in not requiring the CVV code: it is one of the strongest instruments available to prevent fraud.

5. Strong passwords are required

A scammer may also use password cracking tools to enter one of the customers’ accounts in addition to email phishing. This program systematically tries multiple character combinations before it stumbles on the password of the suspect. You will easily break a basic password. If you need passwords with unique characters and numbers, your store is better.

Final thoughts

BigCommerce payment gateways will be an important part of your success in selling online. The more payment methods your customers are allowed to use, the higher chance that they will re-purchase your products.

However, choosing the right payment gateway is even more vital. You should consider the scale of your business, your customer’s demographics and also be aware of available frauds. We hope that this article will help you clear your doubts about picking the right one and then increase your BigCommerce store’s profits.

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