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Online Payment Methods

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.

 

Did you know? Not all payment gateways are available to all countries and currencies. For a list of all payment gateways and the countries they support, see Available Payment Gateways.

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.

 
 

Payment Gateway

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

Payment Gateway Diagram

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.

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.

First Data Payeezy set up button

 

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.

 
 

Additional Settings

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.

 
 

Digital Wallets

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.

 
 

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.

 
 

Payment Gateways by Feature

 

Gateways that can be used for Manual Orders

All non-hosted payment gateways can be used for manual orders.

 

Gateways That Support 3D Secure

 

Payment Gateways that Allow Manual Capture

The following gateways allow you to authorize transactions (Authorize Only) without actually withdrawing the funds from the customer's account until you approve it. See Manually Capturing Transactions for more details.

Gateways that allow you to capture funds through BigCommerce:

Gateways that require you to log into your gateway's virtual terminal to capture funds:

  • Heartland Payment Systems
  • NMI
  • PayPal Payflow Pro
  • Sage Pay/Protx VSP Direct
 

High-Risk Gateways

The following gateways may allow the sale of firearms, e-cigs, and other high-risk items. Please check with your payment gateway to make sure your products are permitted in their terms of service.

  • USA ePay (must be using iPayments as your merchant services provider)
  • NMI
  • Worldpay Ecomm
 

Gateways with Integrated Refunds

The following payment gateways will allow you to process refunds from the BigCommerce control panel. (Most payment gateways will allow you to process refunds from their virtual terminal.)

 
 

All Available Payment Gateways

This list contains all payment gateways currently integrated with BigCommerce. Information about available locations was taken from these gateways' support pages and may not reflect their current offerings. For the most accurate information, contact the payment gateway.

GatewayHosted?Supported Countries
2CheckoutOver 200 countries worldwide
AdyenUnited States, Europe, Brazil, Australia, Hong Kong, Singapore
AfterpayAustralia, NewZealand, United States
Amazon Pay
(See Connecting with Amazon Pay)
 United States, United Kingdom, Germany, France, Italy, Spain, Luxembourg, The Netherlands, Sweden, Portugal, Hungary, Denmark
Authorize.net Australia, Austria, Belgium, Canada, Czech Republic, Denmark, Finland, France, Germany, Iceland, Ireland, Italy, The Netherlands, Norway, Spain, Sweden, Switzerland, United Kingdom, United States
Beanstream United States, Canada
Chase Merchant Services
(See Connecting with Chase Merchant Services)
 United States, Canada
Chase Integrated Payments United States, Canada, United Kingdom
Cybersource Direct Australia, Austria, Belgium, Canada, Finland, France, Germany, Ireland, Italy, The Netherlands, New Zealand, Spain, United Kingdom, United States
Elavon - Converge (listed as MyVirtual Merchant)Australia, Austria, Belgium, Canada, Finland, France, Germany, Hong Kong, Ireland, Italy, The Netherlands, Spain, Sweden, Switzerland, United Kingdom, United States
eWAY Rapid Australia, New Zealand
First Data Payeezy Gateway
(See 
Setting Up the First Data Payeezy Gateway)
 United States
Global Payments United States, Canada
Heartland Payment Systems United States
Klarna Payments
(See Connecting with Klarna Payments)
 United States
Klarna Checkout*
(See Setting up Klarna Checkout)
 United States
MIGS Australia
NABAustralia
NMI Australia, Austria, Belgium, Canada, China, Czech Republic, Denmark, Finland, France, Germany, Hong Kong, Iceland, India, Indonesia, Ireland, Italy, Malaysia, The Netherlands, New Zealand, Norway, Russia, Singapore, South Africa, Spain, Sweden, Switzerland, Taiwan, Turkey, United Kingdom, United States
Payment Express Post Australia, Austria, Belgium, Canada, Finland, France, Germany, Ireland, Italy, The Netherlands, New Zealand, Spain, United Kingdom, United States
PayPal powered by Braintree
See Connecting with PayPal powered by Braintree
 United States (automated setup); manual setup for countries listed here
PayPal Payflow Pro Australia, Canada, New Zealand, United States
PayPal Express CheckoutSee what services are available in your country
PayPal Credit via PayPal Express CheckoutSee what services are available in your country
PayPal Payments Pro (PayFlow Ed.) See what services are available in your country
PayStation New Zealand
Pin Payments Australia, Austria, Belgium, Canada, Finland, France, Germany, Ireland, Italy, The Netherlands, New Zealand, Spain, United Kingdom, United States
QuickBooks Payments
(See Connecting QuickBooks Payments)
 United States
Sage Pay Direct United Kingdom, Ireland
Sage Pay Go / Protx VSP (Form Integration)United Kingdom, Ireland
SecureNet United States
SecurePay Australia, Austria, Belgium, Canada, Finland, France, Germany, Hong Kong, Ireland, Italy, The Netherlands, New Zealand, Singapore, Spain, Switzerland, United Kingdom, United States
ShopKeep Payments United States
Skrill (Hosted)Over 200 countries worldwide
Square
(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
USA ePay United States
Worldpay Ecomm United States
Worldpay Core United States
WorldPayAustralia, Austria, Belgium, Canada, Czech Republic, Denmark, Finland, France, Germany, Hong Kong, Ireland, Italy, The Netherlands, New Zealand, Norway, Singapore, Spain, Sweden, Switzerland, United Kingdom, United States

*Klarna Checkout includes the Klarna payment gateway. Only one can be installed at a time. 

 
 

Digital Wallets

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.

 
 

FAQ

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

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