Online Payment Methods
Using a Powered By store? If you were onboarded to BigCommerce by one of our Powered By partners, you may not see all the payment gateways listed here.
When setting up your store to receive payments, you can choose from our payment gateway integrations to accept payments online. You might also want to consider offering offline payments, such as check, bank deposit, or cash on delivery. There is no limit to how many payment methods you can set up, although we recommend not using more than two or three. To add or edit your payment methods, go to Store Setup › Payments.
You may have gotten advice about choosing a good merchant service provider and setting up a payment gateway. These may seem like the same thing, but there are some important distinctions to make. In this section, we will explain what a payment gateway and merchant service provider (MSP) do and how these interact on BigCommerce.
A payment gateway refers to the software that processes online payments, such as credit card processors and digital wallets. Ecommerce platforms like BigCommerce incorporate payment gateways into their systems to provide a way to collect payments online.
“Payment method” refers to the choices provided to shoppers at checkout. For example, the option to pay with a credit/debit card or a PayPal account is a payment method, and the actual processing is done by the payment gateway.
Merchant Service Provider
A merchant services provider (sometimes referred to as a payment service provider, PSP) is a company that provides the products and services necessary to accept credit cards, debit cards, and other forms of electronic payment. They act as intermediaries between your business and credit card companies or banks. Payment gateways are often tied to merchant accounts with the merchant service provider.
How this works on BigCommerce
BigCommerce works with merchant service providers to offer various payment gateways for merchants to choose from. When a merchant wants to use a particular payment gateway, they will need to connect to a merchant account. This creates the relationship between the merchant and the MSP.
PayPal is an example of an MSP that has multiple payment gateways offered on BigCommerce. A merchant registers an account with PayPal to connect the payment gateway to their store.
Adding a Payment Gateway
To view the available payment gateways, click the plus (+) icon next to Other Online Payment Methods.
Locate your preferred gateway and click Set up. You will be automatically redirected to that payment gateway's setup page. You will see a list of required credentials. These can be found by logging into or contacting your payment gateway. Once you've entered your credentials and settings, click Save. Your payment gateway is now set up. Try running a test order to get an idea of how this will look to your customers and to make any changes.
Need help? Instructions for locating your payment gateway credentials will be provided to the right of the credentials. If you require assistance in locating these credentials, contact your payment gateway.
Although the setup is slightly different for each payment gateway, most methods will have some of these settings:
- Display Name — how the payment option will appear to your customers at checkout (we recommend "Credit card")
- Duplicate window — the period after which an identical order can come in without being marked as a duplicate and deleting it
- Test mode — allows you to run a transaction without charging your card; we recommend only using Live or Production mode to avoid losing funds on legitimate transactions
The payment gateways will display on your checkout page in alphabetical order, regardless of the Display Name. Some payment gateways, such as PayPal powered by Braintree, PayPal Express Checkout, and PayPal Payments Pro (Payflow Edition), will also show a button on the cart page.
Available Payment Gateways
A payment gateway is a merchant service provided by an e-commerce application service provider that authorizes credit card or direct payment processing. Not all payment gateways are available to all countries and currencies. Your Store Country and currency will determine the payment gateways available to you. If you want to search by what's available in your country, see our Payments page on the BigCommerce website.
See Available Payment Gateways to browse gateways based on features.
Recommended Payment Options
The following payment gateways are our most popular. For a list of all payment gateways supported by BigCommerce, see Available Payment Gateways.
See Connecting with Amazon Pay
|United States, United Kingdom, Germany, France, Italy, Spain, Luxembourg, The Netherlands, Sweden, Portugal, Hungary, Denmark|
|PayPal powered by Braintree|
See Connecting with PayPal powered by Braintree
|United States (automated setup); manual setup for countries 45+ countries|
|PayPal Credit via PayPal Express Checkout||✓||See what services are available in your country|
See Connecting the Square Payment Gateway
|United States, Canada, United Kingdom, Australia|
|Stripe||Australia, Austria, Belgium, Brazil, Canada, Denmark, Finland, France, Germany, Hong Kong, Ireland, Italy, Japan, Luxembourg, Mexico, the Netherlands, New Zealand, Norway, Singapore, Spain, Sweden, United Kingdom, United States|
|Worldpay (Worldpay Core and Worldpay Ecomm)||United States|
What is a hosted payment gateway? Hosted payment gateways direct customers off your site’s checkout to the payment service providers page to enter their payment information. They will be returned back to your website to finish the checkout process once payment has been completed.
A digital wallet is an account that allows you to make online purchases from participating retailers without having to enter your payment information. For example, with Apple Pay, a customer using Apple Wallet can check out on any store integrated with Apple Pay and will not need to enter their payment details.
Where do I manage my funds?
You will control and direct funds in your merchant account with your merchant service provider. Usually, this is where you will connect to your bank account or offer refunds.
Can I have more than one merchant service provider?
It is possible to use more than one MSP, but it will split where you manage your funds. For example, if you want to offer PayPal as a payment method as well as credit card processing, you may connect the payment gateways for Paypal Express Checkout and Authorize.net. This does mean that any purchases made with PayPal will be managed on your PayPal Merchant Account while any credit/debit purchases are managed with your Authorize.net account.
Where do I report issues with a charge?
All disputes about funds, payments and charge errors should be directed to the merchant service provider. BigCommerce only receives the error codes from the payment gateway in the Store Logs. These error codes are useful to have on hand when troubleshooting the issue with the merchant service provider