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BigCommerce Payment Gateways

Payment gateways are important for all online stores. Generally, customers are more likely to complete the purchase if the payment method is already known to them. At this point, having a gateway that is well-known and popular is a good thing to improve sales. Practically, a gateway is a service for processing payments, which means that the more popular the used service is, the more likely customers are to complete the purchase. BigCommerce has several types of gateways available, and PayPal and AmazonPay are the options of the first choice. 

What is a payment gateway? 

A payment gateway is a merchant service for processing payments that are necessary for both online stores and brick-and-mortar ones. The payment gateway is usually provided by an e-commerce application service provider. This provider authorizes and processes credit card or direct payments that e-businesses, online retailers, and other stores accept as a payment option for their products. 

Participants of the Payment Gateways

Key players in online payments are a merchant, a customer, an issuing bank, and an acquirer. In this list, a merchant is you, a customer or a cardholder is the person that makes the payment, the issuing bank is the customer’s bank, and the acquirer or acquiring bank is the bank that maintains your account. 

Types of Payment Gateways

There are four types of gateways that are used for businesses, namely hosted payment gateways, self-hosted payment gateways, API hosted payment gateways, and local bank integration. 

Hosted payment gateways redirect the customers away from the checkout page. The most popular hosted payment gateway is PayPal. 

Self-hosted payment gateways work at the online store, meaning that the data about the customer and his or her transaction are gathered right at the page of the online store. Only when necessary data are collected, the information is sent to the payment gateway’s URL. There are various types of data encryption that are used here, including a hash key or secret key. The most popular self-hosted payment gateways are QuickBooks Commerce’s B2B Payments and Shopify Payments. 

API hosted payment gateways are used to enable the customer to enter the details of his or her credit card right at the checkout page. Using this type of payment gateway, payments are processed with API or HTTPS queries. 

Finally, a local bank integration is a gateway that redirects the customer to the payment gateway’s website, where the customers enter their details and contact details. After the transaction has been completed, payment data are sent using redirection. 

Payment Gateway in BigCommerce 

BigCommerce comes pre-integrated with over 65 payment gateways which creates an immense choice for business owners. At the same time, BigCommerce has got even more perks. In addition to a wide range of choices for payment gateway, BigCommerce charges no fees to the use of the payment gateway. In addition, BigComemrce ensures PCI compliance, which means you don’t have to get the PCI certificate yourself. Moreover, with a PCI certificate, the data of your customers are safe and secure. Furthermore, with BigCommerce, and its 65 payment gateways you can easily choose the one you like best, and it is very likely to be mobile integrated, including the option of digital wallets such as Apple Pay and Masterpass.

How Payment Transactions Are Processed 

In general, a payment transaction is the movement of funds from your customer to you. More specifically though, payment transaction consists of two independent parts, namely the authorization and the settlement. During the authorization, the sale is approved, and during the settlement, the money is sent to your account. Thus, the transaction flow consists of the next steps:

  1. 1. Your customer buys a product using a credit card to pay for it
  2. 2. The information input by your customer gets encrypted and is sent to the payment processor
  3. 3. The payment processor sends a request to the issuing bank of the customer
  4. 4. The issuing bank approves or refutes the transaction
  5. 5. If the transaction is approved, you are getting confirmation from the payment processor

Adding Payment Gateways to Your BigCommerce Store 

Practically, to add a payment gateway to your BigCommerce store, you will need to fulfill several simple actions. First, go to the Store Setup in your BigCommerce account. 

Then, select Payments and choose a payment gateway you want to pursue. Note that the option “PayPal Powered by Braintree” might be automatically enabled if your business is located in the US or any other country from the list of 45 counties that are granted the PayPal payment gateway on default. If this option is not enabled automatically, you can still use it after you submit the application and it is approved. Interestingly, payment gateways are free in BigCommerce, but you are going to be charged on the basis of the per-transaction pay. A general rule here is that the higher a monthly subscription rate means lower commissions for transactions and vice versa.

Examples of Top Payment Gateways 

The most popular payment gateways include PayPal, Square, Stripe, ApplePay, Amazon Pay,, and Adyen. 

 Truly, the most popular payment gateway is PayPal because it has millions of users worldwide and it is practically the most well-known and the most often used payment system. For all transactions, PayPal adds fraud protection security without additional charge, and PayPal is devoted to solving the issues with security as soon as they arise. 

Square is a credit card payment processor that is famous for physical credit card swipers that can be attached to your phone. Square’s solutions are going to be a great fit for small businesses. 

Stripe is the payment provider that is focused on mobile eCommerce, SaaS, non-profits, and platform-based payments. Stripe can handle multiple transactions great, therefore it is the best choice for large companies. 

Apple Pay is a great choice for accepting mobile payments as soon as it facilitates user authorization with the use of Face ID and Touch ID.

Amazon Pay is generally less popular because it comes with a plugin only. As of today, it is growing rapidly though. Finally, and Adyen help to work with various payment processors, being less popular but effective in nature.


As far as you can see, payment gateways are not easy to handle. At the same time, connecting payment gateways is a must to make your online business work. While connecting and setting up the payment gateways is a quick and easy venture, it is quick and easy for those, who have enough knowledge and experience. If you don’t have one, don’t hesitate to use the professional expertise of others. SOFTLOFT company is happy to offer professional help to aid the development of your business. Contact us today and you’ll have our quote in no time.