Who this is for
- BigCommerce store owners declined by Stripe, Square, PayPal, or Shopify Payments
- Existing BigCommerce merchants in CBD, vape, nutra, adult, firearms, or gambling verticals
- BigCommerce subscription / continuity-billing businesses with elevated chargebacks
- Merchants migrating from a frozen aggregator to a real high-risk MID without re-platforming
- Six-figure-monthly BigCommerce stores needing a backup gateway for routing redundancy
Why BigCommerce merchants get declined elsewhere
BigCommerce doesn't penalize you with extra platform fees for choosing a non-default gateway (unlike Shopify's 0.5%–2.0% penalty). What it does is restrict which gateways appear in the admin's Payment dropdown — and the default high-risk-friendly options (PayPal Powered by Braintree, Stripe) will eventually shut down CBD, vape, nutra, firearms, and continuity merchants once underwriting catches up.
We place a dedicated MID through a BigCommerce-certified gateway (NMI, Authorize.net, or USAePay depending on vertical fit). The integration is native to BigCommerce's Optimized One-Page Checkout — no checkout rebuild, no theme dev, no custom code. Apple Pay, Google Pay, and BigCommerce's digital wallet stack continue to function through the new gateway.
For BigCommerce Enterprise / Multi-Storefront accounts we configure multi-currency settlement and multi-MID routing across storefronts in a single configuration.
What you get with our BigCommerce integration
Direct acquirer relationship — not a shared aggregator account that disappears on the first chargeback spike.
Drop-in gateway integration certified for BigCommerce. No custom dev required.
Customers checkout once; subsequent purchases and rebills run from a stored token.
Verifi RDR and Ethoca alerts wired into the store admin so disputes are killed before they post.
Velocity rules, BIN blocking, and 3D Secure where the issuer supports it.
MIT-compliant rebills with auto card updater to keep subscriptions alive.
Authorize and settle in USD, EUR, GBP, CAD, AUD, JPY + 60 more for international stores.
A human on speed dial who knows your store, your MCC, and your batch history.
Underwriting documents you'll need
- Last 3 months of business bank statements
- Last 3 months of prior processing statements (if applicable)
- BigCommerce store URL (must be live with refund, terms, privacy, contact, SSL)
- Government-issued ID for all 25%+ owners
- Voided business check or bank letter
- Articles of incorporation or LLC formation docs
- EIN letter (IRS Form CP-575)
Approval timeline
- 1Soft pre-qualification (same day)
We confirm acquirer fit and quote a real rate band before any document collection.
- 2Document collection (1–2 days)
We chase the items and review your BigCommerce storefront for the compliance basics underwriters check.
- 3Underwriting (1–5 days)
Acquirer reviews and prices your file. We negotiate reserve and rate on your behalf.
- 4BigCommerce plugin live (same day after approval)
Plugin/app installed, API keys configured, test transaction processed. First batch typically T+1 funding.
Side-by-side vs. HighRiskPay, CCBill, PayCompass & PayDiverse
How our placement model stacks up against the four most-cited high-risk processors. Based on public pricing pages, third-party reviews, and merchant reports as of 2026. We update this table quarterly.
| Feature | Us | HighRiskPay | CCBill | PayCompass | PayDiverse |
|---|---|---|---|---|---|
| Direct acquiring-bank network (12+ banks) | 5–6 | Primarily their own | Limited | 8–10 | |
| Domestic + offshore (EU/UK/APAC/Caribbean) | Domestic-heavy | Limited offshore | |||
| Soft pre-qualification (no credit pull) | |||||
| Published rate ranges (no bait pricing) | Vague | Custom only | Vague | Vague | |
| Chargeback alerts included (Verifi + Ethoca) | Add-on | Add-on | |||
| Multi-MID cascade / routing redundancy | |||||
| MATCH/TMF rehabilitation placement | |||||
| Gateway flexibility (NMI, Auth.Net, USAePay, custom) | Their own only | ||||
| Dedicated human account manager | Ticket queue | Enterprise only | Ticket queue | ||
| Approval timeline (standard files) | 24–72 hrs | 48–72 hrs | 5–10 days | 3–5 days | 2–5 days |
Comparison drawn from publicly available data. Competitor names and trademarks belong to their respective owners. Where a competitor's offering varies by plan, we represent the most commonly reported merchant experience.