PayPal vs BigCommerce

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Our analysts compared PayPal vs BigCommerce based on data from our 400+ point analysis of eCommerce Platforms, user reviews and our own crowdsourced data from our free software selection platform.

Product Basics

PayPal is a payment processing solution that serves as an electronic alternative to traditional methods like money orders and checks. It allows users to shop online, send and receive money securely, and receive payments. It is a two-sided network that connects merchants to consumers in various markets. As a merchant, add a one-touch payment point to the business website, provide customers with faster checkouts, offer credit lines and EMIs, receive recurring payments, accept credit and debit cards, and send multiple payments with a single click. It is a secure and fully PCI-compliant payment facilitator.
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BigCommerce is a powerful SaaS platform for designing and managing multiple eCommerce websites. It centralizes product information and helps you distribute catalogs across marketplaces, social media and business websites. You can manage inventory, orders and shipping from any device and set up unique automation to increase productivity and avoid errors.

What sets it apart is its open and headless architecture, which allows for customization and integration. It offers a storefront editor with customizable themes but doesn’t restrict you from using other editors.

During testing, I could use the platform’s backend for product management, order fulfillment and customer data handling while having complete freedom to design and develop custom storefronts.

Another area in which BigCommerce excels is international commerce. Its support for multiple currencies and integration of global payment methods and shipping options make expanding into new markets a breeze.

The platform's handling of international taxes and duties is also impressive, saving considerable time and effort. Additionally, it charges zero transaction fees, helping control costs for businesses with large sales volumes.

Lastly, BigCommerce helps you remain nimble due to its flexibility. It offers open access to its APIs, SDKs and data without any proprietary blockers or frictions. This allows you to connect the platform to any software and build the perfect tech stack for your evolving needs.

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Product Insights

  • Enhanced Security: PayPal employs end-to-end encryption and fraud detection technologies to protect both buyers and sellers, reducing the risk of unauthorized transactions and data breaches.
  • Global Reach: With support for multiple currencies and a presence in over 200 markets, PayPal enables businesses to accept payments from customers worldwide, expanding their market reach.
  • Convenience: PayPal offers a seamless checkout process, allowing customers to pay quickly without entering their payment details for every transaction, leading to higher conversion rates for businesses.
  • Flexible Payment Options: PayPal supports a variety of payment methods, including credit cards, bank accounts, PayPal balance, and PayPal Credit, offering flexibility to customers and increasing the likelihood of successful transactions.
  • Buyer Protection: PayPal's Buyer Protection policy covers eligible purchases, providing refunds for transactions that don’t go as planned, thereby increasing consumer trust and confidence.
  • Seller Protection: Similarly, PayPal's Seller Protection program safeguards merchants against claims, chargebacks, and reversals for unauthorized transactions and items not received by buyers, minimizing potential losses.
  • Easy Integration: PayPal offers easy-to-use APIs and plugins for major eCommerce platforms and shopping carts, simplifying the integration process for businesses and enabling them to start accepting payments quickly.
  • Financial Management: With comprehensive reporting tools and the ability to send invoices directly through the platform, PayPal helps businesses manage their finances efficiently, saving time and resources.
  • Customer Insights: PayPal provides access to valuable data and analytics about purchasing trends and customer behavior, helping businesses tailor their offerings and marketing strategies for better engagement.
  • Mobile Optimization: PayPal's mobile-optimized payment solutions cater to the growing number of consumers who shop on their smartphones and tablets, ensuring a smooth and secure checkout experience on any device.
  • Nonprofit Support: PayPal offers discounted transaction rates for registered nonprofits, making it easier for them to accept donations and manage their fundraising efforts online.
  • Subscription Services: Businesses can easily set up and manage subscription-based services with PayPal, offering automatic billing and payment options that ensure continuous access to products or services for their customers.
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  • Market Leader: BigCommerce is one of the top-rated eCommerce platforms, according to our research. Our analysts rated it 97 rating, right alongside industry stalwarts like Shopify (100) and Adobe Commerce (96).
  • Efficient Marketing Across Channels: According to our data, the platform scores full marks (100) for its marketing and SEO optimization tools. You get every key marketing feature required in eCommerce platforms out of the box, including a channel manager, A/B tester, branded domain, custom email addresses, sitemap generation, Google Ads account, SEO product tags and more.
  • Organized Data For Easy Reporting: The platform offers 100% of key reporting requirements out of the box, including centralized data warehousing, a BI module and analytics tools. It helps you visualize data and understand how to grow your business online. Additionally, you get a customer data platform to create customer segments and design personalized shopping experiences for better conversion.
  • Streamlined Shipping Management: BigCommerce is one of the best solutions for handling shipping, with a perfect rating of 100 based on our data. It offers real-time shipping rates from popular carriers, multiple shipping rules based on customer segment or geography and a shipping status tracker. Additionally, it doesn’t charge for shipping like Shopify. However, unlike Shopify, the platform has no transaction charges, further lowering the TCO.
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  • Accept Payments: Receive funds and streamline the checkout experience with the available tools: 
    • Invoices and Estimates: Generate free customizable invoices to simplify the payment process. Alternatively, create estimates with business logos and personalized details, and automatically convert them into invoices after customer acceptance. 
    • Checkout: Provide customers with a one-touch payment point to check out and make payments without leaving the business website. 
    • Recurring Payments: Improve customer retention by allowing repeat customers to skip the checkout process and set up subscription-based payments. 
    • Installment Payments: Get paid up-front while providing customers a pay-later option with “Pay in 4,” an interest-free installment solution, at no additional cost. 
    • Sell on Social: Quickly create product listings with photos and descriptions. Receive a shareable link to promote and push sales through social media, email, chat and more. Host listings on the vendor’s servers and let customers securely pay through a payment portal. 
    • Point of Sale: Accept in-person card payments with a selection of chip, tap and swipe readers and accessories compatible with mobile devices and desktops. 
    • QR Codes: Generate and print unique QR codes that customers can scan to make payments through mobile apps. 
  • Make Payments: Securely link bank accounts to transfer money to digital wallets and vice versa. 
    • Business Debit Mastercard: Withdraw or spend money as soon as it arrives in the digital wallet and earn rewards and cashback from participating retailers. Use at all locations accepting Mastercards. 
    • Send Money: Electronically pay vendors anywhere within the USA without incurring any additional costs and receive payment receipts instantly through the mobile app. Thorough monitoring helps prevent fraudulent transactions. 
    • Payouts: Send mass payouts to vendors and employees across the world, and auto-convert currencies. Supports more than 24 currencies and 180 markets across the globe. 
    • Crypto Payments: Make payments and checkout from participating online stores with cryptocurrency seamlessly. 
    • Payment Regulations: Leverage tools like transaction monitoring, recipient verification and compliance screening to manage compliance with regulations. Available with the enterprise solution. 
  • Risk Management: Uses intelligent two-sided networks, machine learning and analytics to protect businesses from existing and potential threats. Safeguard card details and transactional ledgers with a secure vault. Receive expert advice on maintaining compliance and security strategies. 
  • Growth Acceleration: Expedite business growth rate with critical funding, sales push and growth insights: 
    • PayPal Working Capital: A fixed-fee loan available without requiring a credit check, based on the account’s history. Repay it automatically with a percentage of each sale through the digital wallet. 
    • PayPal Business Loan: Finance operating expenses with a term loan based on the business’s history and growth since inception. Automate regular weekly payments from the bank. 
    • Cart Recovery: Reduce cart abandonment and drive return visits by sending notifications to shoppers who left midway. Offer incentives and discounts through a Store Cash campaign and boost customer loyalty. 
    • Insights: Get actionable insights and expert advice based on estimated audience size and potential ROI to optimize operations, improve marketing and push sales. 
  • Operation Management: Streamline daily operations and automate repetitive tasks with the following tools: 
    • Shipping Labels: Receive discounts on shipping through United Parcel Services (UPS) and United States Postal Service (USPS). Automatically receive tracking information. Select service type, package size and other details to auto-calculate costs. 
    • Dispute Management: Interact with buyers and customers through the “Resolution Center” to resolve disputes mutually. Clients can escalate claims for unresolved conflicts. Gain expert advice on building a case against a chargeback or a claim against the business. 
    • Funds Now: Receive money from completed sales instantly without any hold or delay at no extra cost to the business. 
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  • Page Builder: You can create and edit web pages without coding. Or you can jump into built-in HTML, CSS and JavaScript for advanced customization. Plus, you can ensure your pages look great on mobile devices and use Stencil CLI for in-depth development.
  • PunchOut: BigCommerce makes it easy to create a unique checkout experience for customers. You can either use their server-to-server checkout API or the PunchOut2GO solution.
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Product Ranking

#1

among all
eCommerce Platforms

#8

among all
eCommerce Platforms

Find out who the leaders are

Analyst Rating Summary

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Analyst Ratings for Functional Requirements Customize This Data Customize This Data

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User Sentiment Summary

Excellent User Sentiment 23875 reviews
Great User Sentiment 1676 reviews
94%
of users recommend this product

PayPal has a 'excellent' User Satisfaction Rating of 94% when considering 23875 user reviews from 3 recognized software review sites.

86%
of users recommend this product

BigCommerce has a 'great' User Satisfaction Rating of 86% when considering 1676 user reviews from 5 recognized software review sites.

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4.2 (524)
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Awards

PayPal stands above the rest by achieving an ‘Excellent’ rating as a User Favorite.

User Favorite Award

SelectHub research analysts have evaluated BigCommerce and concluded it earns best-in-class honors for Integrations.

Integrations Award

Synopsis of User Ratings and Reviews

Convenient and Widely Accepted: PayPal is a popular online payment method that is accepted by many online retailers, making it a convenient option for shoppers.
Enhanced Security: PayPal offers buyer and seller protection policies, which can help to protect users from fraud and scams. For instance, if a buyer does not receive an item they purchased, or if the item is significantly different from its description, they may be eligible for a refund under PayPal's Buyer Protection program.
Dispute Resolution: The platform provides a dispute resolution process to help resolve issues between buyers and sellers.
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Customer Service and Support: Many reviews highlight excellent customer service, with helpful and responsive support teams that are available via phone and chat.
Functionality and Customization: BigCommerce offers a robust set of features, including SEO tools, custom URLs and 301 redirects. It also has strong B2B capabilities, multi-store functionality and a variety of apps for integration.
Stability and Reliability: Users praise the platform for its reliability and lack of downtime.
Scalability: The platform is scalable, making it suitable for businesses of different sizes, including those looking to grow.
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Limited Seller Protection: PayPal's seller protection policies can be difficult to navigate and may not cover all types of transactions or disputes, leaving sellers vulnerable to fraud or chargebacks.
Account Holds and Freezes: PayPal has been known to hold or freeze accounts without warning or clear explanation, which can disrupt business operations and cause frustration for users who rely on the platform for their livelihood.
Customer Service Challenges: Getting timely and effective support from PayPal's customer service can be difficult, with long wait times and inconsistent responses being common complaints among users.
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Cost and Hidden Fees: BigCommerce has tiered pricing based on sales volume. Many users feel this pricing model can be restrictive and costly, especially for businesses with significant brick-and-mortar sales.
Limited App Selection: Reviews mention a relatively limited selection of apps compared to competitors like Shopify. Users may need to rely on external developers for custom integrations.
Limited Free Website Themes: Some reviews have complained about the lack of free storefront themes and templates. Users have to pay for good templates on top of the subscription fee.
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PayPal users generally give it a thumbs-up for its convenience and security. Setting up an account is a breeze, and the platform is widely accepted by online merchants, making it a go-to for quick and easy payments. The security features, like encryption and fraud protection, give users peace of mind when making transactions. However, some users find the fees, especially for international transactions and credit card payments, to be a bit of a bummer. Additionally, while PayPal is widely accepted, it's not universally accepted, so users may occasionally encounter situations where they need to whip out a different payment method. Compared to other digital payment platforms like Zelle, Venmo, and Cash App, PayPal stands out with its robust buyer and seller protection policies, making it a safer choice for larger transactions or purchases from unfamiliar sellers. But for splitting bills with friends or sending small amounts of money, the simplicity and social features of Venmo or Cash App might be more appealing. So, who's PayPal's ideal user? It's perfect for folks who frequently shop online and value security and convenience. If you're someone who makes international payments or deals with large transactions, PayPal's buyer and seller protection features are a major plus. However, if you're mainly looking for a way to split the bill at dinner or send a few bucks to a friend, you might find other platforms more user-friendly and cost-effective.

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During testing, I noticed right off the bat that BigCommerce is a feature-rich platform that needs a lot of customization to fit my exact needs. Plus, there aren’t guided onboarding experiences, making implementation time-consuming. You must manually explore the interface to learn how to create or connect a domain, add products, set up fulfillment workflows, connect sales channels and design a storefront.Secondly, what caught my eye was the platform's speed and operability. BigCommerce boasts a 99% website uptime, and I could see why. It automatically optimizes images, minimizes HTTP requests and uses browser cache to identify customers. Also, a global content delivery network allows visitors worldwide to view your site from the nearest server.I loved how intuitive it is to connect and manage sales channels using BigCommerce. You can set up differentiated experiences for each channel using dynamic pricing, multiple product views, product swatches and bulk pricing tools. A robust customer segmentation module automatically groups similar customer personas based on your rules and helps design personalized experiences.The storefront editor uniquely lets you design a carousel for the website header. However, I didn’t like anything else about the storefront editor. It has limited free themes, and paid ones are comparatively more expensive than what competitors offer. That said, the platform's headless architecture helps compensate by enabling custom storefront development.My only point of contention was its unique pricing model. It charges a base subscription fee and puts a cap on your business's annual sales. If you exceed this cap, BigCommerce takes a percentage of your revenue based on your subscription plan.Also, if you connect the platform to a POS, every POS sale is considered an eCommerce sale, leading to a higher sales volume and cost. This leads to complex TCO calculations for enterprises with large sales volumes and international customers.Overall, BigCommerce is one of the best options for growing mid-sized businesses that can offset the platform cost with their sales revenue. It's flexible and can adapt to multiple business models, including B2B, D2C and dropshipping, with separate storefronts for each.However, the platform can be overkill for small businesses and may require significant investments to unlock its full potential. That's because all the good features like multi-storefront, personalization, customer segmentation and headless architecture are available in higher-tier plans. Also, lower-tier plans are comparatively more expensive than those of competitors like Shopify.

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