How payments work in BigCommerce
BigCommerce has a built-in list of payment providers, called embedded providers. That list includes Stripe, Adyen, PayPal Braintree, Global Payments and Fortis. A payment provider is the company that handles the card payment for your online store.
Authorize.Net's partner directory lists BigCommerce as a supported platform, so Authorize.Net still works as an outside gateway. A gateway is the connection that passes each sale from your store to the company that settles your card money.
BigCommerce's pricing page, updated for plans starting June 1, 2026, lists an Open Payment Provider Fee of 2.0%, 1.0% or 0.6% depending on your plan, and 0.0% on one plan with a contract. Check the page for your own plan.
Who this suits
Best fit
- A store owner who wants to compare the full cost, including BigCommerce's outside provider fee, with what they pay today.
Not a fit
- A store that finds the plan fee makes a change not worth it once the numbers are side by side.
What we are checking for you
- Which plan you are on, and which fee line applies to you.
- Whether your current provider is on the BigCommerce list or counts as an outside provider.
- What a different connection would involve, including saved cards and recurring orders.
- Your contract end date and any early cancellation fee with your current processor.
What to watch
- Cards your customers have saved on file. Ask whether they can be moved to the new setup, or whether customers would need to enter them again.
- Recurring billing and subscriptions, which are tied to those saved cards.
- Gift card balances, if you sell gift cards.
- Card surcharges. Card network rules and some state laws limit them, so check before you add or keep one.
- Your current contract end date and any early cancellation fee.
Questions merchants ask
Is there a penalty for not using BigCommerce's own payment partners?
BigCommerce's pricing page lists an Open Payment Provider Fee for providers outside its embedded list. Whether it applies to you depends on your plan and your provider, so we check your plan first.
Can I still use Authorize.Net with BigCommerce?
Yes. Authorize.Net's partner directory lists BigCommerce. Because Authorize.Net is not on BigCommerce's embedded list, the Open Payment Provider Fee on your plan is the part to check.
When does my money arrive after a sale?
Payout timing is set by the company that processes your cards, and it shows on your statement. Ask before you change anything, because a new setup can start its own schedule.
What happens to saved cards if I change providers?
Saved cards move only if your current gateway releases them to the new one. Ask first, and plan for some customers to re-enter a card.
See what you pay, for free
A person reads your statement with you and tells you what each fee means and whether a different processor is even possible with BigCommerce. There is no pressure to switch.