BigCommerce Credit Card Processing Reviews & Complaints

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Overall Score
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How did they treat you?
Pros and Cons
Pros: Cons:
Competitive processing rates. Initial learning curve.
No transaction fees. Not the cheapest platform.
Multiple payment gateway options. Limited add-ons available.
Mobile optimized solutions. Locked into BigCommerce.
Global payment support. Complex inventory management.
PCI compliant integrations. Higher sales increase subscription cost.


In this review of BigCommerce, we will provide a detailed overview of the company's e-commerce platform and credit card processing services. We will cover the range of features they offer, including online store setup, payment gateway integrations, and customizable templates. The review will identify the types of businesses that might benefit from these services. Additionally, we will examine client and customer reviews to highlight common trends and potential concerns. The article will also address the company's pricing structure, contract terms, and specific services provided. By the end of this review, you will understand whether BigCommerce meets your e-commerce needs.

About BigCommerce

BigCommerce also referred to as “Big Commerce” and, formerly, “InterSpire,” is an Austin, Texas-based merchant account provider specializing in e-commerce solutions for small and mid-sized businesses.

BigCommerce has partnered with a number of other businesses, including Bloomreach, and has made a number of acquisitions, including BundleB2B.

BigCommerce Products and Services

Payment Processing

BigCommerce, like many of its competitors, provides a wide range of website themes and an app store with numerous add-ons and plugins. One key feature is that it does not charge additional transaction fees beyond those imposed by third-party processors such as Authorize.Net. This means merchants aren't penalized for not using Braintree/PayPal accounts. The platform's e-commerce capabilities include single-page checkout, Apple Pay integration, real-time shipping quotes, and an abandoned cart saver tool. BigCommerce also offers SEO and marketing services, including promotions and coupons, email marketing, SEO tools, social media marketing, and multi-channel marketing. Similar to Shopify, BigCommerce provides merchants with debit and credit card processing through an online shopping cart, web store creation and customization, sales analytics, marketing and SEO support, and inventory management.

Payment Gateway

BigCommerce's preferred payment partner is Braintree/PayPal, but it also supports integration with various other well-regarded third-party processors, including Apple Pay, Adyen, and Amazon Pay. Additionally, BigCommerce can be integrated with Square and ShopKeep for those needing point-of-sale solutions. Currently, the company does not offer a POS app for retail merchants, focusing solely on e-commerce.

Native Payment Integrations

BigCommerce allows for native integration with popular payment gateways like PayPal, Stripe, and Square. Businesses can choose their preferred payment option directly within the BigCommerce control panel.

Multi-Currency Support

The platform supports multiple currencies, making it suitable for businesses operating internationally. Customers can make purchases in their local currency, enhancing their shopping experience.

Security Features

BigCommerce complies with PCI-DSS standards to ensure the security of payment information, which is crucial for online transactions.

Hosted Payment Pages

Businesses can use hosted payment pages with BigCommerce, reducing their PCI compliance burden. Payment information is processed securely off-site, allowing merchants to focus on other business aspects.

Additional Payment Methods

In addition to credit card payments, BigCommerce supports alternative methods such as digital wallets and direct bank transfers.

Fraud Protection

BigCommerce includes integrated fraud protection features, enabling businesses to review or automatically deny suspicious transactions.

BigCommerce payment processing
BigCommerce is an e-commerce solution provider

BigCommerce Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints 50+
Live Customer Support Yes
Most Common Complaint Poor Service
Recent Lawsuits No

Low-to-Moderate Complaint Volume

Our research reveals more than 50 negative BigCommerce reviews available online, where some customers describe their experiences as unsatisfactory, using terms like ‘ripoff’ or ‘scam’. These complaints predominantly concern issues with the software, unexpected fee increases, subpar website development, and customer service that is sometimes unresponsive or ineffective. Notably, the complaints regarding customer service are from merchants who experienced challenges in connecting with a live representative or obtaining swift problem resolutions from BigCommerce support. Both merchants and professional reviewers share grievances about the software and its SEO capabilities, suggesting a disparity between actual performance and what is advertised by BigCommerce. For readers who have their own experiences with BigCommerce, sharing a review in the comments section could provide valuable insights to others.

BigCommerce Litigation and Regulatory Compliance

As of our latest review, there are no public records of class-action lawsuits or formal complaints with the Federal Trade Commission (FTC) against BigCommerce. Clients who have grievances but prefer avoiding litigation may consider reporting their experiences to relevant supervisory organizations for a non-litigious resolution.

BigCommerce Customer Support Availability

BigCommerce provides various support channels, including phone support, email support, a community forum, and an FAQ section. While BigCommerce’s customer service team is not prominently active on consumer protection websites, they do engage with customers through social media platforms to some extent. This proactive approach in customer interaction is commendable.

BigCommerce Contact Information

  • Toll-Free General Customer Service: (888) 699-8911
  • Sales Inquiries: (888) 248-9325
  • Support in Australia, New Zealand, and Singapore: 1800-821-758
  • UK and Europe Support: 0808-189-1224
  • Other International Sales and Support: +1-512-758-7588

Additional Support Resources

  • Customer support form
  • Live chat service

Comparatively, BigCommerce’s array of support tools is more comprehensive than many of its e-commerce competitors, yet it may not reach the benchmark set by the industry-leading merchant accounts for outstanding customer service. We encourage businesses considering BigCommerce to utilize the company’s 15-day free trial. This trial period is an excellent opportunity to thoroughly evaluate the product and minimize potential customer service issues in the future.

BigCommerce Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports 38

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.

30 Complaints

BigCommerce is no longer accredited with the Better Business Bureau since 2010 and is currently showing a grade of “C-” based on 30 complaints in the last 36 months. BigCommerce resolved 6 complaints to the satisfaction of the client, while the remaining 24 either were resolved to the dissatisfaction of the merchant or did not receive a final response from the client.

What Merchants Say

BigCommerce has also received 8 informal reviews to its profile, 7 of which are negative and 1 of which is positive. The most recent review describes issues with payments and customer support:

We have had our account with Big Commerce for nearly 20 years. In the earlier years, tech support was great. Not so much since then. Recently, in the past few months, they upgraded their UPS shipping software and never notified their customers they were doing so. This ‘upgrade’ PREVENTS anyone from placing an order and we have been wracking our brains why our sales have dropped to absolutely ZERO for months!! We have had multiple conversations with UPS and Big Commerce, and supposedly taking the matter to a higher tiered support and it’s been nearly a week and still NO ONE has responded! This is AWFUL CUSTOMER SUPPORT!!! I can’t believe they change something in their shopping cart, don’t notify their customers, continue to charge them monthly, and knowing full well that it prevents people from placing an order as the new UPS upgrade will not provide a shipping quote!!! We are beyond furious!

Businesses that are having issues with their account should review options for top-rated e-commerce platforms.

A “B” Performance

Given the company’s complaint totals and resolution ratio, we have slightly adjusted the BBB‘s rating to a “B.”

BigCommerce Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties No
Monthly & Annual Fees Yes
Processing Rates Variable
Equipment Leasing No

BigCommerce Monthly Plans

BigCommerce presents four service packages at different price points. Businesses can opt for $29/month (Standard), $79/month (Plus), $299/month (Pro), or a customized plan under the Enterprise pricing tier. Additionally, businesses can avail of a 10% discount by committing to a yearly subscription upfront.

BigCommerce Pricing Structure

BigCommerce prominently showcases its merchant account pricing facilitated by Braintree, ranging from 2.2% plus $0.30 to 2.9% plus $0.30. However, businesses retain the freedom to negotiate pricing independently through alternative payment processors and then seamlessly integrate their merchant accounts with BigCommerce. The incremental increase in monthly fees corresponds reasonably with the addition of supplementary features across packages. The company operates on a month-to-month basis, devoid of any early termination fees or setup charges.

Reports of Price Adjustments

Several complaints posted over the past two years allege significant, unforeseen hikes in monthly fees by BigCommerce. It remains unclear whether these sudden escalations pertain to overage costs incurred by specific merchants post a bustling holiday season or signify a widespread pricing adjustment by the company. Despite these sporadic reports, overall customer sentiment regarding BigCommerce’s pricing appears favorable, with most users expressing satisfaction with the prevailing rates and fees.

BigCommerce Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers No
Telemarketing No
Misleading Marketing No
Discloses All Important Terms Yes

In-House Sales Team

BigCommerce appears to primarily market its services through its website, through an affiliate program, and through strategic partnerships with other businesses. The company does not appear to employ in-person or outbound sales staff, and there is currently only one negative BigCommerce review online that describes client issues with the company’s advertising tactics. In this case, a customer was initially contacted through a cold call and was unhappy with the service ultimately provided.

No Deceptive Quotes

The company lists a large number of rates and fees on its website, and there is no evidence at this time that these rates are deceptively quoted. It should be noted that the company’s claim of “no transaction fees” only refers to the fact that it does not charge an additional markup above third-party payment gateways or merchant accounts. Businesses will still have to pay transaction fees, either through Braintree/PayPal or a third-party payment processor. If you suspect that BigCommerce is slipping hidden fees into your contract, you can double-check your monthly bill with a third-party statement audit.

Our BigCommerce Review Summary

Our Final Thoughts

BigCommerce ranks as a reasonably dependable credit card processing solution for small and mid-sized businesses. While it doesn’t match the comprehensive services offered by competitor Shopify, its customizable pricing tiers provide flexibility for varying business needs. However, the company faces a gradually increasing complaint rate, particularly regarding its customer service, which holds back its overall rating.

For BigCommerce to strengthen its position in this review, it would benefit from addressing and reducing customer service complaints. Additionally, businesses could optimize their experience and secure better value by connecting their BigCommerce accounts to a highly rated merchant account provider. By aligning with a top-tier partner, businesses can leverage competitive rates and tailored service packages to ensure seamless credit card processing and improved customer satisfaction.

Location & Ownership

Brent Bellm is the CEO and Steven Chung is the president of BigCommerce, which is headquartered at 11305 4 Points Dr, Building 2 Suite 100, Austin, Texas 78726.

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Testimonials & Complaints

How Did BigCommerce Treat You?

11 User Reviews

  • Brett Thomas

    On April 2nd, 2019, Big Commerce promised me that for $2500, they would build an e-commerce web site and migrate all products, shopper groups, attributes, and past orders from a client’s existing web site to a new site on their platform. After speaking with Meredith (the person who was my account rep at Big Commerce) and explaining my needs, she assured me that everything would be done and ready to go live in about a month. They took my PayPal debit card information to charge me $79.95 for the first month of hosting and they got started.

    On April 26th, I called and told Meredith that I was unhappy with the progress and layout of the site and that although MOST of the products were there, the special pricing, shopper groups, and previous orders were not, making the new site useless. She said that they were still working on the migration and that if I wanted a better template, I could purchase one…so I did for $225.

    Big Commerce NEVER DID finish the migration.

    On May 2nd, they hit my PayPal card again for $79.95 for an additional month of hosting. It was at this point that I started to get really upset. Meredith stopped answering the phone. I eventually called her from another number and she answered and told me that she no longer worked for Big Commerce and that if I wanted a refund, I would have to contact Daniel Fertig, the company director. I called their corporate office 5 or 6 times asking for Daniel and was told he would call me back. He never did.

    I then had to hire another company to get the job done because Big Commerce stopped communicating with me (other than to tell my son, who got through on their tech support line that it would cost extra money to finish the job)

    On May 11th, Big Commerce STOLE $2500 from me. I say STOLE because I did NOT give them permission to charge my card (which they already had). They know they are wrong and refuse to take or return my calls. Instead of telling me that they couldn’t do the job, they just took my money anyway. I am currently in dispute with my card company to get the money back. They are thieves.

    This post will help: Best E-Commerce Payment Platforms


  • Glenn

    Loved them for more than 14 years, now their customer service does not listen to you, closed an account over a simple misunderstanding that was reasonable, an employee answered our phone, thought they were a marketer and told them not to call my number, they closed the account and would not discuss the issue. Don’t trust them anymore, after running hundreds of thousands through PayPal I will never use thhem or ebay again.. sucks and I feel a bit abused…

  • Sherry Gillis

    I’ve been using BigCommerce for about a year and a half now. I had been using VPASP shopping cart for about 12 years and when we switched over to BigCommerce we were really impressed with how easy it worked, how easy it was to get our store (4500 products) up and running, and the dozens and dozens of features we loved.

    It is more expensive than the cart we had previously been using. In order to use our domain name we had to use the $200/mo version, but I wanted a shopping cart that would be preferable to Google. IE, I searched through the Google Merchant Services website and found their list of recommended shopping carts. The list had one name on it: BigCommerce.

    I’d had enough problems with Google and was looking to improve my rankings with them. We have had very few problems with this cart and the customers seem to like it.

  • Terri Glover

    Made a purchase through a BigCimmerce vendor and the online store disappeared as soon as they took my payment for the merchandise. I will never make a purchase with them again and I am going to file complaints with the BBB and FCC.

  • Bob Lynn

    Going to BigCommerce’s website on 26 December 2016 I see that their integrated payment solution has become Square. Considering the reviews here about Square, that pretty much kills BigCommerce in its tracks.

    Or did I miss something?

  • John Stalls

    Bigcommerce rip off by changing rates dramatically at any time. Been a customer for years at the $39 a month and now get a notice that my plan will change under the new structure to $199 per month after 4 years of loyalty. Don’t bother calling to discuss, they know they have you over a barrell since you have spent the time to build your site and that it would be very time consuming to move somewhere else. Horrible, there just taking advantage of customers who have been loyal for years!

    Are you with Bigcommerce? Learn how to resolve this complaint.

  • Ariolander

    I don’t like BigCommerce after their most recent pricing changes.

    Their old tiers used to be limited by products with no transaction fees:
    Bronze $25 (100 Products) | Silver $40 (500 Products) | Gold $80 (1000 Products) | Platinum $150 (Unlimited Products)

    Under their new tiers there are only 2 tiers, all unlimited
    Silver $35 (+2% Transaction Fee) | Gold $80 (No Transaction Fee)

    While this is great for their higher tier customers getting more products, features, and maintaining no transaction fees they really short changed their lower tier customers. While before it would be economical to run a low product specialty store on BigCommerce and only expect to pay $25/mo, now your costs are MUCH more, and assuming you make ~$2k in sales you are better off going Gold, paying the flat $80/mo than worrying about transaction fees.

  • shivam

    Bigcommerce charging rates are strange…
    if you see silver package plan below, they charge unlimited products and 2 % transaction fees and in gold also unlimited products no fees

    i asked them if we do not have any payment GW and only cash on delivery service we have in our business, on what basis they are charging transaction fees??
    they said its their policy and if I dont have to pay 2%, switch it to Gold plan which is almost Double…
    since we are already giving whats their hosting package on what basis they are charging 2%!

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