Top BigCommerce Payment Gateways for Australian Businesses

Highlights

• Compare the best BigCommerce payment gateways tailored specifically to the Australian market, featuring top providers like PayPal, Stripe, Afterpay, and more.
• Learn how to choose the right payment solution based on your business size, customer preferences, and industry, whether you’re selling fashion, electronics, or B2B products.
• Understand essential factors like transaction fees, integration types, and local compatibility to ensure smooth, secure, and scalable online transactions for your eCommerce store.

Understanding BigCommerce Payment Gateways

What Is a Payment Gateway?

A payment gateway is a critical component of any eCommerce platform, it serves as the secure intermediary that facilitates financial transactions between a customer and your BigCommerce store. When a shopper makes a purchase, the payment gateway handles everything behind the scenes: encrypting sensitive data, validating card information, approving the transaction, and transferring funds to the merchant.

For Australian online retailers, choosing the right payment gateway is essential to ensure not only security but also compatibility with local payment preferences such as Afterpay, Zip Pay, and PayID, which are widely used in the region.

• Encryption & fraud prevention: Safeguards sensitive data like card details using SSL and tokenization.
• Authorization & capture: Confirms whether the customer has sufficient funds and transfers payment to the merchant.
• Settlement & reporting: Completes the transaction and logs payment activity for financial tracking.

How BigCommerce Supports Payment Gateways

BigCommerce offers an expansive and versatile ecosystem for integrating payment gateways, making it easy for Australian merchants to offer seamless checkout experiences to local and global customers. Whether you’re looking for a plug-and-play solution or need a custom setup, BigCommerce has options to match your technical requirements and business model.

• Native support for over 65+ payment providers, including top Australian options like Afterpay, Zip Pay, and SecurePay.
• Flexible integration methods:
  • Built-in connectors for fast setup (e.g., PayPal and Stripe)
  • Third-party apps from the BigCommerce App Marketplace
  • Custom APIs for advanced, developer-driven solutions

Whether you’re running a startup or a high-volume enterprise, BigCommerce provides scalable options that align with Australian currency (AUD), tax (GST), and compliance standards.

Why Selecting the Right Payment Gateway Matters

Choosing the right BigCommerce payment gateways for your BigCommerce store is critical for several reasons. Here’s why it matters:

Security and Fraud Protection

Reliable BigCommerce payment gateways ensure that transactions are secure and customer data is protected. With increasing cyber threats, robust security measures are paramount to safeguard sensitive information. Look for gateways that offer advanced encryption and fraud detection tools.

Customer Trust and Experience

A smooth checkout process increases customer satisfaction and loyalty. When customers encounter a hassle-free payment experience, they are more likely to return. Ensuring that your payment gateway provides a seamless experience is vital for building trust and encouraging repeat purchases.

Transaction Fees and Costs

Different gateways have varying fee structures, which can significantly impact your profit margins during BigCommerce data migration. Understanding these fees, such as transaction, setup, and monthly fees, is crucial when selecting a cost-effective solution. Some gateways offer better rates for higher transaction volumes, making them particularly beneficial for growing businesses undergoing BigCommerce migration.

Integration and Compatibility

Seamless integration with BigCommerce and other tools is vital for operational efficiency. A gateway that easily integrates with your existing systems can save time and reduce potential errors. Look for options that offer compatibility with various plugins and extensions to enhance functionality.

Top Payment Gateways for BigCommerce in Australia

Selecting BigCommerce payment gateways that suit your business needs can significantly impact your eCommerce success. Here are the top options available for BigCommerce in Australia:

PayPal

PayPal is a globally recognized payment gateway known for its extensive reach and ease of use. It is available in over 200 countries and supports multiple currencies, making it ideal for businesses with an international customer base.

• Global Reach: Available in over 200 countries, supporting multiple currencies.
• Seamless Integration: Default gateway in BigCommerce, making setup quick and easy.
• Key Features: No fees for fraud protection, competitive transaction fees, multiple payment solutions including PayPal Credit.
• Pros: High conversion rates, trusted by customers globally.
• Cons: High chargeback fees, costly currency conversion rates.

PayPal’s strong reputation and widespread acceptance make it a top choice for Australian businesses looking to expand globally.

Stripe

Stripe is an all-in-one solution that handles gateway, processing, and merchant account functions. It offers a high degree of customization, making it a favorite among tech-savvy users.

• All-in-One Solution: Handles gateway, processing, and merchant account functions.
• Customization: Open API for tech-savvy users to customize checkout experiences.
• Key Features: Supports over 135 currencies, fraud protection, one-click checkout.
• Pros: Suitable for large businesses, robust security features.
• Cons: High processing fees, slow dispute resolution.

Stripe’s flexibility and comprehensive features make it an excellent option for businesses looking to customize their payment processes.

SecurePay

SecurePay is a local solution tailored for Australian businesses, offered by Australia Post. It supports major eCommerce platforms including BigCommerce and provides detailed reporting and dynamic currency conversion.

• Local Focus: An Australia Post product tailored for Australian businesses.
• Integration: Supports major eCommerce platforms including BigCommerce.
• Key Features: Dynamic currency conversion, detailed reporting, Australian customer support.
• Pros: Competitive pricing, comprehensive service package with NAB.
• Cons: Complex fee structure, additional fees for international transactions.

SecurePay’s local focus and support make it an attractive choice for businesses targeting the Australian market.

eWAY

eWAY offers wide integration capabilities, supporting over 250 shopping carts and platforms. It provides multiple payment methods and flexible pricing plans to cater to different business needs.

• Wide Integration: Compatible with over 250 shopping carts and platforms.
• Key Features: Supports multiple payment methods including Visa, Mastercard, and digital wallets.
• Pros: Flexible and scalable, competitive transaction fees.
• Cons: Monthly fees for some plans, additional costs for certain features.

eWAY’s extensive integration options and flexible pricing make it a versatile choice for businesses of all sizes.

Afterpay

Afterpay is one of the popular BigCommerce payment gateways in Australia that allows customers to buy now and pay later. It’s particularly beneficial for increasing average order values and encouraging repeat purchases.

• Buy Now, Pay Later: Popular payment method in Australia, allowing customers to pay in installments.
• Key Features: Increases average order value, encourages repeat purchases.
• Pros: Boosts sales by offering flexible payment options.
• Cons: Higher transaction fees, limited to specific transaction amounts.

Afterpay’s unique payment model can help attract customers looking for flexible payment options.

Watch more: BigCommerce Data Migration: A Comprehensive Guide for Australian Companies

How to Choose the Right Payment Gateway

Selecting the right payment gateway involves considering several factors to ensure it meets your business needs. Here’s how to make an informed decision:

Assess Your Business Needs

Understanding your business requirements is the first step in choosing the right gateway. Consider the following:

• Volume of Transactions: Choose a gateway that offers the best rates for your transaction volume.
• Customer Preferences: Ensure the gateway supports preferred payment methods of your target audience.

Assessing your business needs helps in narrowing down the options and selecting a gateway that aligns with your goals.

Consider Integration and Support

Integration and support are critical for smooth operations. Look for gateways that offer easy integration with BigCommerce and other tools you use.

• Ease of Integration: Look for gateways that integrate easily with BigCommerce.
• Customer Support: Opt for providers with reliable customer service and support.

Choosing a gateway that integrates well with your systems and offers robust support ensures a seamless checkout experience.

Evaluate Security Features

Security is paramount when handling online transactions. Ensure that the gateway you choose has strong security measures in place.

• PCI Compliance: Ensure the gateway complies with Payment Card Industry standards.
• Fraud Prevention: Check for built-in fraud detection and prevention measures.

Evaluating the security features of a gateway helps in protecting your business and customers from potential threats.

How to Integrate Payment Gateways in BigCommerce

Step-by-Step Setup Guide

Integrating a payment gateway into your BigCommerce store is a simple process that doesn’t require advanced technical skills. The platform offers a user-friendly interface and direct support for many popular gateways.

Step-by-step guide:

• Log into your BigCommerce admin dashboard.
• Go to Store Setup > Payments.
• Select your desired payment provider from the list of available online payment methods.
• Click Set Up and enter the required credentials such as API keys or account details.
• Configure your preferences, including accepted card types and transaction settings.
• Save the changes and activate the gateway for live use.

BigCommerce also allows you to toggle between test (sandbox) and live modes, making it easy to verify everything before going live.

Testing and Optimizing Checkout Flow

After configuration, it’s essential to test and optimize the checkout experience to ensure it’s seamless and efficient for users.

Important considerations:

• Use sandbox mode to run test transactions and validate error handling.
• Confirm compatibility across mobile and desktop devices.
• Test all enabled gateways, including Afterpay, Zip Pay, and credit card options.
• Ensure your store is protected with SSL encryption and secure forms.
• Enable guest checkout to reduce friction for first-time customers.

A smooth and trustworthy checkout flow helps reduce cart abandonment and improve conversion rates, especially in competitive Australian eCommerce markets.

SmartOSC Solutions for Payment Gateway Integration

SmartOSC offers comprehensive solutions for businesses looking to optimize their BigCommerce stores with the best payment gateways. As a trusted eCommerce partner, SmartOSC provides:

• Seamless Integration: Expertise in integrating various payment gateways with BigCommerce to ensure a smooth and efficient checkout process.
• Customized Solutions: Tailored solutions to meet specific business needs, enhancing customer experience and operational efficiency.
• Ongoing Support: Dedicated support to manage and troubleshoot any payment gateway issues, ensuring continuous and secure transactions.

SmartOSC’s expertise can help streamline your payment processes and enhance your overall eCommerce experience.

Watch more: BigCommerce vs Magento: Key Differences for Australian eCommerce

FAQs: BigCommerce Payment Gateways in Australia

Which BigCommerce payment gateway is best for small Australian businesses?

Stripe and PayPal are popular choices due to their ease of use, local support for AUD, and fast onboarding. Afterpay is also valuable for increasing conversion in consumer retail.

Can I use multiple payment gateways on one BigCommerce store?

Yes. BigCommerce supports multiple gateways, allowing you to offer flexibility with different payment types, including credit cards, BNPL options, and digital wallets.

Does BigCommerce support Afterpay and Zip?

Yes. BigCommerce natively supports Afterpay and Zip Pay, making it easy to enable BNPL functionality directly from the admin panel.

Are transaction fees different for international cards?

Typically yes. Most gateways charge higher processing fees for international transactions. It’s important to review your provider’s fee schedule.

How secure are BigCommerce payment integrations?

BigCommerce ensures PCI DSS compliance, data encryption, and fraud prevention tools as part of its integration process, making it highly secure for Australian businesses.

Conclusion

Selecting the right BigCommerce payment gateways is a critical decision for Australian businesses on BigCommerce. By considering factors like transaction fees, integration capabilities, and customer preferences, you can choose a gateway that enhances your customers’ shopping experience and supports your business growth. SmartOSC’s expertise can further ensure that your payment gateway integration is seamless and effective, driving your business success. For more information on optimizing your BigCommerce store with the best payment gateways, contact us now!