BigCommerce Payment Processing

BigCommerce Payment Processing: 35–45% Lower Fees, No Surcharges, and T+1 Settlement

BigCommerce gives merchants full freedom to choose their payment processor without surcharges — unlike Shopify, you're never penalized for leaving BigCommerce Payments. This makes it the ideal platform for merchants who want to optimize payment costs without giving anything up.

GetPayment integrates natively with BigCommerce's checkout, works with all BigCommerce plans and features, and provides interchange-plus pricing that saves 35-45% compared to BigCommerce Payments at $100k+/month — with T+1 settlement and a specialist team who knows BigCommerce inside out.

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No BigCommerce surcharges
All BC plans supported
Headless compatible
T+1 settlement

BigCommerce Cost Comparison

$100k/month
BC Payments (2.59%)
$2,620
GetPayment IC+
$1,600
Savings
$1,020/mo
$300k/month
BC Payments (2.59%)
$7,770
GetPayment IC+
$4,500
Savings
$3,270/mo
$750k/month
BC Payments (2.59%)
$19,425
GetPayment IC+
$10,875
Savings
$8,550/mo

BigCommerce never charges surcharges for third-party processors — 100% of these savings go directly to your bottom line.

Calculate My Exact Savings
No
BigCommerce Surcharges
35–45%
Fee Savings
T+1
Settlement
65+
Gateway Ecosystem

BigCommerce Merchant Challenges We Solve

CHALLENGE
BigCommerce Payments flat-rate fees not optimized for high-volume stores
SOLUTION
Interchange-plus pricing with no BigCommerce-imposed surcharges. 35-45% savings at $100k+/month
CHALLENGE
Limited payment analytics in BigCommerce's native reporting
SOLUTION
GetPayment dashboard adds auth rate monitoring, decline analysis, and fraud reporting
CHALLENGE
Headless/Catalyst implementations need custom payment integration
SOLUTION
Pre-built Catalyst module and Checkout SDK integration for custom front-ends
CHALLENGE
International customers declining at higher rates than domestic
SOLUTION
Local acquiring in 40+ countries. BigCommerce multi-currency + local payment methods
CHALLENGE
No specialist support for BigCommerce-specific payment questions
SOLUTION
BigCommerce-experienced integration team. Not a helpdesk — specialists who know the platform
CHALLENGE
Subscription/recurring payments need third-party app (ReCharge BC)
SOLUTION
GetPayment works with ReCharge for BigCommerce and Bold Subscriptions for BC

Full BigCommerce Feature Compatibility

BigCommerce Optimized Checkout
All BC plans (Standard to Enterprise)
Headless / Catalyst integration
Stored credit cards (BC vault)
Apple Pay & Google Pay
Afterpay / Sezzle / Klarna BNPL
Multi-currency (native BC)
Auto refunds from BC admin
ReCharge subscriptions
Bold Subscriptions for BC
International payment methods
Real-time order sync
Checkout SDK compatible
BigCommerce Webhooks
PCI DSS Level 1

BigCommerce Payment Processing FAQ

Questions from BigCommerce store owners and developers evaluating payment providers.

BigCommerce Payment Processing: Enterprise Setup and Optimization

BigCommerce Payment Processing Costs: What You're Actually Paying

BigCommerce's built-in payment processing through Stripe or PayPal includes a BigCommerce surcharge on top of processor fees. At scale, these extra fees are expensive:

For a $500k/month BigCommerce store, switching from Stripe (2.9% + surcharge) to GetPayment's interchange-plus (avg 2.2% effective) saves $30–40k annually—money that goes directly to your bottom line.

How to Connect GetPayment to BigCommerce

BigCommerce supports external payment gateways through its API. The integration process:

  • 1. Apply for GetPayment merchant account — Takes 5 minutes, approval within 24–48 hours.
  • 2. Configure BigCommerce gateway — Add GetPayment as external payment gateway through BigCommerce control panel.
  • 3. API integration — Use BigCommerce Payments API to connect checkout to GetPayment processing engine.
  • 4. Test and activate — Run test transactions through BigCommerce sandbox. Activate live processing.

GetPayment provides API documentation and integration support to make this process seamless.

Why BigCommerce Merchants Switch to Interchange-Plus

  • ✓

    No BigCommerce surcharges

    GetPayment doesn't charge extra fees on top. You pay pure interchange-plus, nothing more.

  • ✓

    Support for high-risk categories

    Stripe and Square actively terminate high-risk accounts (CBD, supplements, firearms). GetPayment specializes in these.

  • ✓

    T+1 settlement (vs. T+2 or T+3)

    Get paid faster. Funds available the next business day instead of waiting 2–3 days.

BigCommerce Optimization for Better Payment Performance

  • • Enable 3D Secure for high-risk transactions (improves fraud prevention without killing conversion)
  • • Use GetPayment's fraud rules optimized for BigCommerce product categories
  • • Monitor your chargeback ratio monthly through the GetPayment dashboard
  • • Leverage real-time settlement reporting to track fees and performance
  • • Use GetPayment's Verifi integration for real-time chargeback alerts

Save 35–45% on BigCommerce Payment Processing

No BigCommerce surcharges. Interchange-plus pricing. T+1 settlement. And a team that knows BigCommerce inside out.

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