Built-in connectorLast verified 2026-09-11 · Reviewed by a person 2026-09-24
Stripe connects to BigCommerce from the control panel's built-in gateway list (Settings > Payments > Embedded), with no app to install and no BigCommerce platform fee because Stripe is on the Embedded Payment Provider list. BigCommerce maintains the integration; the current version is Stripe OCS, which supersedes the legacy Stripe UPE, Stripe V3 and Stripe V1 connections.1
UAT-Ops testing: Stripe's sandbox was verified by UAT-Ops on 2026-09-11 with the directory's card flow (6 passed) → evidence on the Stripe hub. The BigCommerce integration itself has not been run.
Sources checked: 23 claims from 8 sites, listed at the foot of the page.
Connects through Built-in gateway in the BigCommerce control panel (Stripe OCS; legacy Stripe UPE still runs for older connections). Stripe OCS uses Stripe Elements with Checkout Sessions on Optimized One-Page Checkout and the Payment Intents API on custom checkouts; server-side orders go through the Payments API with the stripeocs gateway id. Biggest gotcha: No BigCommerce Open Payment Provider Fee for built-in Stripe; custom Stripe still pays it.
How it connects
Method
Built-in gateway in the BigCommerce control panel (Stripe OCS; legacy Stripe UPE still runs for older connections). Stripe OCS uses Stripe Elements with Checkout Sessions on Optimized One-Page Checkout and the Payment Intents API on custom checkouts; server-side orders go through the Payments API with the stripeocs gateway id.2
No integration fee and no Open Payment Provider Fee (Stripe is an Embedded Payment Provider); Stripe's own processing fees apply.1
Checkout modes
optimized one page checkout, custom checkout via checkout sdk, embedded checkout, payments api server side2
PCI scope
Depends on the checkout mode you choose; see the gotchas below.3
What works on this platform
Yes: a source confirms it on this integration. Not verified here: the gateway supports it, but no source confirms this integration exposes it. No: not available. A capability with no source either way is left off.
Enable Apple Pay in the Stripe Dashboard and toggle it under Digital Wallets in the control panel; not available for India-based accounts; must be re-enabled after migrating to Stripe OCS.
Enabled from the Digital Wallets section with no extra Stripe-side setup; custom checkouts need checkout-js 1.812.1+ or checkout-sdk-js 1.921.0+; 3D Secure works on Google Pay transactions.
SEPA Direct Debit is listed among the Stripe OCS alternative payment methods; APMs other than Apple Pay and Google Pay require the notification webhook to be configured.
Stored cards for account holders (Growth plan or higher) plus optional vaulting of a Stripe token for every card payment, including guests; the token is not shown to the shopper.
BigCommerce's gateway table leaves Recurring Payments unchecked for both Stripe OCS and Stripe UPE, and saved cards cannot be used for subscriptions; recurring billing needs a third-party app on top of Stripe.
Refunds are issued from the BigCommerce control panel once the transaction has settled; BigCommerce's refund flow accepts an amount below the original transaction.
One Stripe configuration per currency; a different Stripe account can be connected per currency. Adaptive Pricing (on by default) lets shoppers pay in a local currency with a 2-4% conversion fee charged to the shopper.
Level 2 and Level 3 data is sent for B2B card transactions, but not for orders where the shopper picked a local currency through Adaptive Pricing.
Capability status reflects the integration and documentation available at the time of verification, not necessarily every capability of the underlying gateway or platform.
Testing it
Connect Stripe from Settings > Payments > Embedded > Stripe, log out of the Stripe Dashboard first, and set Test mode to Yes in the BigCommerce Stripe settings; BigCommerce recommends doing the full Stripe OCS setup on a sandbox store before production. Copy the Notification URL from the control panel into a Stripe webhook destination with the 16 listed events (charge.*, checkout.session.*, payment_intent.*, payment_method.*, review.closed) and paste the whsec_ signing secret back, once per currency; without it Stripe orders stay Incomplete. Pay with Stripe test cards (4242 4242 4242 4242 succeeds, 4000 0000 0000 0002 declines, 4000 0025 0000 3155 forces 3DS) and never real card numbers. For Apple Pay, Stripe does not support Apple's sandbox: use test API keys with a real card and Stripe returns a test token; BigCommerce says Apple Pay inherits the gateway's test state. Google Pay uses Google's test card suite. The server-side Payments API cannot use BigCommerce's Test Payment Gateway, so API-driven tests need the Stripe test connection and the stripeocs gateway id. Assert that order status, amount and currency match in both the BigCommerce order and the Stripe Dashboard, that the order is not Incomplete, and that a refund from the control panel appears in Stripe.2
UAT-Ops runs integration flows like this against the real sandbox and keeps the evidence. Get one email when it opens.
Gotchas
No BigCommerce Open Payment Provider Fee for built-in Stripe; custom Stripe still pays it
Stripe is on BigCommerce's Embedded Payment Provider list, so orders through the control-panel Stripe OCS or Stripe UPE gateway are exempt from BigCommerce's own Open Payment Provider Fee — Stripe's own processing rates still apply either way. The exemption covers the built-in gateway only: BigCommerce states that custom integrations to an embedded processor, including ones wired through third-party apps, still pay the BigCommerce fee (2.0% Core, 1.0% Growth, 0.6% Scale on self-serve plans) on top of Stripe's processing rate. Routing Stripe yourself via the Payments API can cost more than the built-in path.
The gateway has been Stripe V1, Stripe V3, Stripe UPE (now "legacy") and Stripe OCS; new connections get OCS. Migrating from UPE can be reverted within 30 days; from V1 or V3 it cannot. Migration is per currency, Apple Pay must be re-enabled afterwards, and API-driven orders must switch to the stripeocs gateway id. Under UPE payment methods were toggled in the control panel; under OCS they live in the Stripe Dashboard, so old runbooks point at the wrong place.
Stripe OCS needs a notification endpoint per currency: paste the control-panel Notification URL into a Stripe event destination with the 16 listed events and copy the signing secret back. Nothing fails loudly if you skip it: orders land as Incomplete, stored instruments drift out of sync, and Radar plus every APM except Apple Pay and Google Pay stay unavailable. Each Stripe configuration has its own URL, so a multi-currency store needs one destination per configuration.
Stripe Adaptive Pricing is enabled by default in the Stripe Dashboard and on most BigCommerce stores. Shoppers who pick a local currency pay a 2-4% conversion fee inside the displayed price; the merchant pays nothing. It forces Authorize & Capture, skips Level 2/3 data for converted orders, and only covers methods in the Payment Element, not Apple Pay, Google Pay or PayPal. Custom checkouts need Checkout SDK 1.948.1 (released 2026-07-29) or later.
BigCommerce says Apple Pay inherits the gateway's test mode and needs an Apple developer sandbox. Stripe says it does not support Apple's sandbox: you test with Stripe test API keys and a real card, and Stripe returns a test token without charging. Follow Stripe's route, and expect BigCommerce's "Merchant ID is out of sync" error if wallet and gateway modes diverge; the fix is toggling Apple Pay off and on.
Last verified 2026-09-11 · Reviewed by a person 2026-09-24
Integration capabilities, requirements, pricing, availability, and vendor policies may change over time. UAT-Ops documents information based on the authoritative sources and testing available at the time of review.
Where newer information, testing, or vendor documentation materially changes a published claim, UAT-Ops may revise the page to reflect the most current verified information. Readers should confirm time-sensitive requirements with the relevant vendor before making production or purchasing decisions.