BigCommerce Payment Processing with AllayPay

Frequently Asked Questions

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  What is BigCommerce and how does BigCommerce payment processing work?

  BigCommerce is a hosted eCommerce platform owned by Commerce, which also owns Feedonomics and Makeswift. One subscription covers the storefront, product catalog, checkout, hosting and security, with selfserve plans from $29 a month on Core billed annually. BigCommerce payment processing runs through a connected payment gateway and merchant account, or through BigCommerce Payments, which is built with PayPal.

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  Is BigCommerce a payment gateway or a merchant account?

  Neither. BigCommerce is the eCommerce platform that runs your store and checkout. A payment gateway connected to the store sends each card transaction to a merchant account, which settles funds to your business bank account. AllayPay, a registered ISO/MSP of Fifth Third Bank, N.A., sets up the BigCommerce merchant account, so you hold your own MID.

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  Which payment gateways work with BigCommerce?

  BigCommerce lists dozens of payment gateway integrations, including Authorize.net, NMI, USAePay, Cybersource, Heartland and Worldpay, and your store country and currency decide which you can use.

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  Should I use NMI or Authorize.net as my BigCommerce payment gateway?

  Authorize.net covers more BigCommerce features than NMI. On BigCommerce, Authorize.net supports capture, multi-currency, stored credit cards (through its Customer Information Manager), Apple Pay and Google Pay. NMI supports capture but is not listed for stored cards, Apple Pay or Google Pay. AllayPay offers both gateways.

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  What payment methods can customers use on BigCommerce?

  Customers can pay with credit and debit cards, ACH Direct Debit in the US, digital wallets such as Apple Pay, Google Pay, Amazon Pay, PayPal and Venmo, and pay later options such as Klarna, Afterpay and Affirm. Availability depends on your gateway, merchant account and country.

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  Can I use my own merchant account with BigCommerce?

  Yes. BigCommerce lets you enable a supported gateway in the control panel and enter your own gateway credentials. AllayPay sets up the merchant account for U.S. businesses and connects it to your store through NMI or Authorize.net, both listed BigCommerce integrations.

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  Does BigCommerce support digital wallets?

  Yes. BigCommerce supports Apple Pay, Amazon Pay, Google Pay, PayPal, PayPal Pay Later and Venmo. Stores on newer Cornerstone themes can also show wallet buttons on product pages, so shoppers skip the cart. Wallet support varies by gateway: Authorize.net appears on BigCommerce’s Apple Pay and Google Pay supported lists, while NMI does not.

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  What is BigCommerce's Optimized One-Page Checkout?

  Optimized One-Page Checkout is BigCommerce’s default, native single-page checkout. Merchants can add their logo, turn on guest checkout and show digital wallet buttons. Stored cards and digital wallets such as Google Pay require this BigCommerce checkout or a custom checkout, so confirm your store uses it before turning those features on.

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  Can I authorize a payment now and capture it later on BigCommerce?

  Yes, with gateways that support capture. BigCommerce’s Capture feature authorizes a transaction without withdrawing funds until you approve it. Authorize.net and NMI both list capture support on BigCommerce, and some gateways let you capture directly from the BigCommerce control panel.

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  Can I issue refunds from BigCommerce?

  Yes. Most gateways let you process refunds from the BigCommerce control panel. You can also refund from your gateway’s own virtual terminal.

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  Can BigCommerce customers save their cards for future orders?

  Yes, on Growth plans or higher, with Optimized One-Page Checkout and a gateway that supports stored credit cards. Authorize.net supports stored cards on BigCommerce once you sign up for its Customer Information Manager (CIM) and require CVV. NMI is not listed as a stored-card gateway on BigCommerce. Saved cards let repeat shoppers check out faster.

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  Does BigCommerce support 3D Secure?

  Many BigCommerce-integrated gateways support 3D Secure. It adds an extra security step that helps block unauthorized transactions. Support depends on your gateway.

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  Is BigCommerce PCI compliant?

  Yes. BigCommerce states that its servers are PCI DSS 4.0 validated at Level 1, and it certifies as a service provider each year. Merchants still handle PCI duties for their own design changes and for other service providers they use. Headless and WordPress stores also take on PCI duties for their own storefront.

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  Can high-risk merchants sell on BigCommerce?

  Yes. BigCommerce’s Acceptable Use Policy makes the merchant responsible for product legality rather than banning categories, and BigCommerce names NMI, Bankful, Sezzle, USAePay (with Paysafe as the merchant services provider) and Worldpay as gateways that may allow products such as firearms, e-cigarettes and CBD. Each gateway sets its own terms. AllayPay supports BigCommerce high-risk payments for CBD, vape, firearms and nutraceutical merchants.

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  Does BigCommerce support B2B payments?

  Yes. B2B Edition, BigCommerce’s enterprise B2B offering, adds company accounts, price lists, quotes, invoices and payment terms, and BigCommerce also supports offline methods such as purchase orders.

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  Can I run more than one store on BigCommerce?

  Yes. Multi-Storefront lets you run several brands or regions from one back end, with separate domains, themes, pricing and promotions. Each storefront can have its own checkout setup.

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  Does BigCommerce work with headless or WordPress stores?

  Yes. Catalyst is BigCommerce’s headless storefront framework, built on Next.js and React, and BigCommerce for WordPress connects a WordPress site to the BigCommerce back end. Embedded Checkout lets headless stores take payments on supported gateways. Most digital wallets do not work on Embedded Checkout, so check wallet support before you build.

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  What is BigCommerce Payments?

  BigCommerce Payments by PayPal is a built-in payment option that runs on PayPal’s infrastructure. It is available to US merchants on self-serve and retail plans, with card rates of 2.89% on Core, 2.59% on Growth and 2.39% on Scale and Performance, plus a fixed per-transaction fee. Merchants who want their own merchant account and MID can connect a different supported gateway instead.

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  How much does payment processing on BigCommerce cost?

  Payment processing costs on BigCommerce have three parts: the plan fee (from $29 a month on Core billed annually), gateway fees and your merchant account rate. Request a free quote from AllayPay to price the gateway and merchant account for your store.

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  Why use AllayPay® for BigCommerce payment processing?

  AllayPay® is a Plantation, Florida ISO that has specialized in high-risk and hard-to-place industries since 2016. AllayPay serves more than 1,000 active merchants, processes over $1.1 billion a year and is a registered ISO/MSP of Fifth Third Bank, N.A. BigCommerce merchants get their own MID, a choice of NMI or Authorize.net, chargeback monitoring and a dedicated U.S.-based account manager.

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  How do I get started with BigCommerce through AllayPay®?

  Request a free quote from AllayPay and share your BigCommerce store URL, products and expected monthly volume. AllayPay offers same-day approvals for many businesses and boards U.S. merchants only. Once the merchant account is approved, we set up NMI or Authorize.net and help you enter the gateway credentials in your BigCommerce control panel.