Top Payment Gateways for BigCommerce: 4 Expert Recommendations

I work for BigCommerce companies as an e-commerce infrastructure professional, optimising checkout infrastructures. Because of its highly integrated, multi-currency processing capabilities, Adyen is my favourite choice for BigCommerce shopfronts. Adyen allows you to handle international transactions with a single technology infrastructure by serving as an all-in-one merchant account and payment gateway. Offering local, preferred payment options at checkout may lower cart abandonment rates by up to 21% globally, according to digital payment studies. You are deliberately discouraging cross-border income by requiring international consumers to utilise a single, Western-centric credit card processor without regional options.

Our international checkout process was greatly improved and our bottom line income was raised by integrating Adyen into our high-volume BigCommerce stores. We were able to dynamically reveal regional payment methods—such as iDEAL in the Netherlands or Pix in Brazil—based only on the shopper’s location, by utilising their native BigCommerce interface, all without having to rewrite any code. Because of Adyen’s automated, machine-learning fraud prevention, this single platform switch increased foreign conversion rates by 14% and decreased our overall chargeback rate by 18%. Our accounting team benefited from unified worldwide reporting in a single dashboard, while our customers enjoyed a quick, localised checkout procedure.

I’ve been selling physical products online for over two decades, and for BigCommerce stores I keep coming back to Stripe. When I first wired up my store’s checkout, I tested a couple of options side by side. Stripe’s API connected cleanly with BigCommerce, and the checkout completion rate started climbing once the payment flow stayed on-page. Customers completed the whole transaction without leaving my site, and I could see the difference in my conversion numbers within the first few weeks.

The fraud detection tools built into Stripe caught suspicious orders that I used to handle manually. That alone saved my team hours every week on chargebacks and review queues. The dashboard also made it simple to track failed payments and retry logic, so I could see exactly where revenue was leaking.

The other thing I relied on daily was the transparent, per-transaction fee structure. I could forecast costs accurately as order volume fluctuated, which is critical when you’re importing inventory and margins are tight. No hidden monthly minimums, no surprise rate hikes after a volume tier. I could look at any given month’s orders and know exactly what my processing costs would be.

BigCommerce merchants looking for a payment provider that offers long-term stability and a strong developer ecosystem should consider Stripe as a top option.

As we deliver services to help BigCommerce merchants scale their businesses, we have found that one of the main sources of frustration for merchants during their eCommerce scaling is the complexity and technical overhead associated with payment integrations, such as credit card processing. Stripe’s API can help reduce this complexity through its high maturity and comprehensive, clear documentation, which helps developers significantly reduce the time it takes to build and support their checkout experiences.

From an operational perspective, the ability for a payment processor to accept multiple currencies and local payment types globally is a major advantage for merchants who want to expand into other countries; merchants can add new geographic markets with minimal effort by selecting a processor that handles both payment types and financial transaction processing in multiple currencies.

By selecting a payment service provider that heavily invests in its developer ecosystem, merchants will have a stable, reliable service with a high availability guarantee, allowing their development team to concentrate on developing better customer experiences rather than diagnosing and fixing transaction processing issues.

For most BigCommerce stores, I’d recommend BigCommerce Payments powered by PayPal because it keeps payment setup simple while giving customers familiar ways to pay, including credit cards, debit cards, PayPal, and Venmo in some cases. The benefit is that you’re not forcing the shopper into a payment experience they don’t recognize, which matters at checkout.

In my experience, the biggest value is fewer moving parts. Store owners can manage payments closer to the platform, reduce checkout friction, and give customers trusted options without overcomplicating the backend. For a growing ecommerce business, that mix of speed, trust, and simplicity is usually what makes the difference.

The real goal is to choose a gateway that doesn’t make the customer think. If payment feels familiar, fast, and secure, they’re more likely to finish the order instead of abandoning the cart at the final step.