What Payment Gateway Can a Crypto Store Use on BigCommerce?

BigCommerce does not have a single native payment processor; it offers PayPal, Stripe, and other options. According to BigCommerce’s published platform guidance, high-risk merchant accounts can connect through supported gateway integrations. For a crypto store, the task is finding both an eligible acquiring relationship and a gateway that works with BigCommerce.

A gateway appearing in your BigCommerce payment settings does not mean its processing provider accepts digital-asset sales. Explain precisely what customers purchase and how you deliver it before selecting an integration. A partner processor needs to evaluate the actual crypto activity, rather than treating platform compatibility as evidence of merchant eligibility.

HighRiskMerchantProcessors.com is a matching service, not a processor, acquiring bank, or underwriter. It connects merchants with high-risk payment processors in the MerchantCardLeads partner network. Ask prospective partner processors to confirm acceptance of your business model and the supported BigCommerce connection before you commit to gateway setup or checkout development work.

Crypto merchants face underwriting concerns involving price volatility, irreversible settlement, fraud, and money-transmission regulation. These characteristics make digital-asset businesses a high-risk category for acquiring banks. A functioning BigCommerce storefront does not remove those concerns: the bank still evaluates what is sold, how funds move, and how the merchant manages customer transactions.

Under their published policies, Stripe, Square, PayPal, and Shopify Payments prohibit the crypto activity covered here; Authorize.net’s default acquirer is also listed as prohibited. Do not assume a familiar payment brand is suitable simply because an integration exists. Confirm business eligibility separately from any technical discussion about connecting the checkout.

The distinction between a gateway and an acquiring arrangement matters particularly for Authorize.net’s default acquirer restriction. That restriction should not be interpreted as proof that another acquiring arrangement will accept your store. Ask a partner processor to identify an eligible acquiring bank and confirm the proposed gateway integration for your specific activity.

Prepare a merchant application, government identification for owners holding 25% or more, a voided business check, and your EIN letter or formation documents. Include three to six months of business bank statements and, if available, three to six months of prior processing statements. These materials help establish business ownership and operating history.

Your BigCommerce website should clearly display refund, terms, and privacy policies. Provide a KYC/AML policy that describes your actual practices rather than a generic document unrelated to your operations. Explain the customer purchase journey, asset delivery, and handling of complaints so underwriters at the acquiring bank can understand the transaction.

Money-transmitter licensing is required where applicable, and crypto regulation can vary by state. Describe where your business operates and where its customers are located, then identify licensing questions before submitting the application. Seek qualified legal guidance about applicability; neither a BigCommerce integration nor a processor introduction resolves your business’s regulatory obligations.

The typical market range for crypto merchant processing is 3.5%–6.0% plus $0.25–$0.30 per transaction. This is a market reference, not a quote from HighRiskMerchantProcessors.com or a promise from any partner processor. Request written pricing for your specific business and clarify which services the proposed processing arrangement includes before making a decision.

A 5–15% rolling reserve is a typical market range for this category, with the reserve set by the acquiring bank. It is not a universal requirement or a fixed offer. Ask how any proposed reserve would affect available funds and request the applicable release conditions in writing before accepting terms.

Evaluate the complete proposal alongside BigCommerce compatibility, rather than selecting an option solely by its advertised transaction rate. Confirm the gateway connection, settlement arrangements, and responsibilities for technical setup. HighRiskMerchantProcessors.com helps you reach partner processors; the partner processor and acquiring bank determine whether they can support the business and on what terms.