Payments in BigCommerce
PayPal together with Braintree will handle your BigCommerce shop, giving your customers the best checkout experience possible.
Pricing & Fees
Fees are assessed for credit card transactions on a per-transaction basis. Braintree's credit card processing fee is comprised of two parts: the discount rate, which is the percentage Braintree takes from each transaction, and the per-transaction fee, which is a fixed dollar amount deducted from each transaction.
Braintree's standard processing fee is 2.9% + $0.30 per transaction. There are no monthly fees, and you only pay for what you use—there's no minimum transaction processing amount. Visa, MasterCard, American Express, and Discover are all included at the same rate.
This processing fee only applies to successful credit card transactions and will be deducted from your daily disbursements. Declines and voids will not incur fees. If you are a charity organization and have questions about using PayPal to accept donations, contact the PayPal Sales Team at 866-365-6319.
If you choose to use your own American Express account, Braintree will charge a per-transaction fee on top of whatever fees that you pay AmEx directly.
Braintree will not charge any fees for PayPal transactions; only PayPal's processing fees apply.
When calculating fees, Braintree rounds down if there is a remainder value past the penny. These are calculated on the transaction level, so if you manually multiply your fees by the total settled sales for a given month, there may be a slight discrepancy between the calculated value and the fee details listed on your statement.
As a result of rounding down, Braintree often charges slightly less than your discount rate!
If you issue a full refund, Braintree will return 100% of the fees from the original transaction. Braintree does not return fees on partial refunds, but there is no additional cost to issue a partial refund.
When you issue a full refund, PayPal will credit your full variable transaction fee (1.9% to 2.9% of the transaction amount).
When you issue a partial refund, PayPal will credit a percentage of the variable transaction fee, based on the amount of the refund.
Fixed PayPal fees—$0.30 per transaction—are not refundable. To learn more about variable and fixed transaction fees, look here.
Chargebacks, retrievals, and pre-arbitrations
The bank that manages the chargeback or pre-arbitration will charge a non-refundable $15 fee regardless of whether you win the dispute. This fee only applies to chargebacks and pre-arbs; retrievals do not result in a fee at this time. For more information on chargebacks, look here.
- Transaction life cycle
- Creating transactions
- Managing authorizations
- Refunds & voids
- Gateway rejections
- AVS & CVV rules
- Risk threshold rules
- Duplicate transaction checking
- Risk & underwriting
- Identifying potentially fraudulent transactions
- Prohibited countries
Still have questions?
Chat with the BigCommerce support team today.