Bigcommerce payment gateways: The ultimate guide you need to know

Introduction

BigCommerce is known as the “software as a service” (SAAS) solution – Which means that you’re not the owner of the software but instead pay a monthly fee to use it.

A payment gateway is a part of technology that receives and exchanges payment data from the buyers to the acquirer before returning payment acceptance or decline to the client. It tightly checks the customer’s card data, makes sure money is accessible, and finally allows businesses to be paid. Bigcommerce provides many Payment Gateways for their customers. But which one is right for your website? Let’s check it in this article!

Clarify four types of Bigcommerce payment gateways

Hosted payment gateway

Hosted payment gateway leads your customers away from the checkout page on your site. When the client clicks the link of the gateway, they are redirected to the Payment Service Provider (PSP) site. The user fills out their payment information here, and the customer is moved back to your website to complete the checkout process.

Advantages:

• Secure: Transaction is fully PCI compliant and protected by the fraud protection system
• Easy: This type of payment gateway is familiar to most users, easy to use, and install
• Customizing: Most of the top-rated PSPs let you customize the checkout page.

Disadvantages:

The sellers cannot follow up on the entire customer’s purchasing experience because of external payment gateway factors.

Self-hosted payment gateways

In this type of gateway, the payment information inside the seller’s website is collected from the users. Depending on requesting the information the collected data will be sent to the URL of the payment gateway. Many gateways need a particular format for the payment data, while others need a hash key or a hidden key.

Advantages:

• Great customer service – completing the whole transaction in one location
• Customizable flow – the merchant can follow up on the payment process. 

Disadvantages:

No support system: Self-hosted payment gateways do not have a support team normally. If have any issues, you’ll need to find out how to fix the problem by yourself. And you can ask for help from an accomplished specialist but that may be expensive.

API hosted payment gateways

Customers input their credit or debit card details directly on the seller’s checkout page with API-hosted payment gateways. Payments are controlled using API (Application Programming Interface) or HTTPS queries.

Advantages:

• Customizable:  has complete monitoring of the payment processor’s customer experience and UI
• Integrative capable: can be applied to mobile devices, laptops, etc.

Disadvantages:

Security: Compliance with PCI DSS and purchasing SSL certification is the requirements that sellers have to follow tightly. 

Local bank integration gateways

Local bank integration gateways: the customer will be led to the bank’s payment gateway (the website of the bank), where they input their payment and contact information. The customer is redirected back to the seller’s website after making the payment, with payment notification data sent upon redirection.

Advantages:

Fast and easy to install: a good thing for small businesses is requiring a simple one-time payment system.

Disadvantages:

Basic features only: usually  Bigcommerce does not allow return or repeated payments, so it’s not suitable for wholesalers.

How is the Bigcommerce Payment Gateway working? 

If you want to view the available payment gateways, go to Settings › Payments and click on Online Payment Methods.

Choose your preferred gateway and click Set up. You will be redirected to that payment gateway’s setup page automatically. A list of required credentials will be shown. You can find this by logging into or contacting your payment gateway. When you’ve finished settings, click Save.

Your BigCommerce payment gateway is working now. You can try placing a test order to see how this would show for your customers.

Additional Settings

Even though BigCommerce payment gateways’ configuration is a little bit different, they still have some settings alike:

• Display Name: This is how your customers will see the payment options when they proceed to check out.
• Duplicate window: This setting helps alike orders can be received without being listed as a duplicate and deleted in a short period.
• Test mode: allows you to conduct a transaction without charging your card. The advice for you is only to use Live or Production to prevent losing dollars on legitimate purchases.

No matter how the Display Name is, the payment gateways will appear to follow alphabetically on your checkout page in order of type (offline, online, digital wallet). Some payment methods like PayPal and PayPal powered by Braintree will show a button on the cart page.

Bigcommerce Payment Gateways – Amazon Pay

This is a hosted solution, which means it directs your customers onto the provider’s website to fill out their payment form. Then, it leads them back to your website when the payment is completed. Amazon Pay is supported in the United States, the United Kingdom, the Netherlands, Sweden, Portugal, Hungary, Germany, France, Italy, Spain, Luxembourg, and Denmark.

Bigcommerce Payment Gateways – PayPal

If you have ordered something on the Internet, you have definitely heard about PayPal. 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. The simplicity of usage and convenience of setting up one system also makes it become more popular.

Moreover, you will be offered two alternatives: use checkout payment hosted by PayPal for free or only 25$ per month for more functionality of checkout customization.

PayPal’s fee is equal to Amazon Pay, 2.9% with an additional $0.30 per purchase.

Bigcommerce Payment Gateways – Square

Square Payments V2 is an updated version of this payment gateway. It has some new features such as processing refunds within BigCommerce, abduction funds manually and selecting a store location from your Square merchant account.

This non-hosted solution is supported in the United States, Australia, the United Kingdom, and Canada.

Bigcommerce Payment Gateways – Stripe

Stripe is an excellent way to accept online payments; this is one of the easiest payment gateways to set up with BigCommerce. Stripe supports you by making it easy to accept credit card transactions and manage an online business. In addition, Stripe also allows you to offer several digital wallet payment methods on your storefront.

Stripe supports in the United States, the United Kingdom, Australia, Austria, Belgium, Brazil, Canada, Denmark, Finland, France, Germany, Hong Kong, Ireland, Italy, Japan, Luxembourg, Mexico, the Netherlands, New Zealand, Norway, Singapore, Spain, and Sweden. 

Bigcommerce Payment Gateways – Apple Pay

Touch ID or Face ID to process payments nowadays is more and more popular because of its convenience and fast speed. For this reason, providing these two features might be helpful for eCommerce businesses. Among a wide variety of BigCommerce payment gateways, Apple Pay is a good idea for mobile-payment traits. The thing that we’re mentioning here is customers who choose to keep an electronic wallet to provide their purchases. Through these gateway services, merchants have the ability to accept purchases from about 383 million iPhones worldwide, it takes around 43 percent of all iPhone consumers to use Apple Pay.

Bigcommerce Payment Gateways – Authorize.net

• This is a trustworthy and secure payment solution, with various features, Authorize.net is one of the best BigCommerce payment gateways:
• No hiding costs and competitively priced.
• Providing a mobile option and access to transaction data from any location.
• Great customer service.
• It has a good payment method for billing and creating account summaries.

This solution is supported in the United States, the United Kingdom, Australia, Austria, Belgium, Canada, Czech Republic, Denmark, Finland, France, Germany, Iceland, Ireland, Italy, the Netherlands, Norway, Spain, Sweden, and Switzerland.

Conclusion

The payment gateway is a main component of the electronic payment processing system. You can run your BigCommerce store more quickly if you fully understand the whole picture of the BigCommerce payment gateways described above, and how BigCommerce payment gateways work in particular.

If you are still confused and looking for support, we are always here to answer your questions. Let’s contact us!