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E-Commerce · head to head

BigCommerce vs Razorpay

BigCommerce logo

BigCommerce

E-Commerce

Hosted e-commerce platform that charges no transaction fee and no surcharge for third party gateways

From
$29.95/month
Rated
-
Full reviewWebsite
Razorpay logo

Razorpay

E-Commerce

Indian payment gateway for domestic and international card, UPI and wallet acceptance

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: BigCommerce plans are gated on annual online sales, so a strong year pushes you into a higher tier and a higher subscription even though your traffic, catalogue and resource usage are unchanged.; Razorpay it requires an Indian legal entity and settles only to Indian bank accounts, so it is not an option for a business incorporated elsewhere no matter how many Indian customers it has.
  • They diverge on capability: BigCommerce covers No platform transaction fee, Razorpay covers Domestic payment methods.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which BigCommerce and Razorpay actually diverge.

Attributes where BigCommerce and Razorpay differ
AttributeBigCommerceRazorpay
Starting price$29.95/monthOn request
Pricing modelsubscriptiontransaction
Founded2009Unknown

Identical on both: free tier (No), platforms (Web), user rating (Not yet rated), category (E-Commerce).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in BigCommerce

  • No platform transaction fee
  • Stencil theme framework
  • Multi-storefront
  • Faceted search
  • B2B capabilities
  • Headless support
  • Built-in tax integrations
  • Multi-currency

Only in Razorpay

  • Domestic payment methods
  • International cards
  • Payment links and pages
  • Route
  • RazorpayX
  • Subscriptions
  • Smart Collect
  • Dashboard and reporting

What people use each for

The jobs each tool is most often brought in to do.

BigCommerce

  • A merchant whose volume makes a percentage transaction fee the largest line in the platform decisionnot Razorpay
  • A retailer needing several branded storefronts sharing one catalogue and one back officenot Razorpay
  • A B2B seller who needs company accounts and customer-specific price lists without custom developmentnot Razorpay
  • A team going headless who wants a managed commerce back end rather than a self-hosted onenot Razorpay

Razorpay

  • An Indian D2C brand needing UPI acceptance alongside cards in a single checkoutnot BigCommerce
  • An Indian SaaS business billing domestic customers on recurring mandatesnot BigCommerce
  • A marketplace that must split each payment between the platform and its sellersnot BigCommerce
  • A business that needs to take payment without building a website, using links and pagesnot BigCommerce

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

BigCommerce

  • Plans are gated on annual online sales, so a strong year pushes you into a higher tier and a higher subscription even though your traffic, catalogue and resource usage are unchanged.
  • There is a documented ceiling on the number of variants a single product can have, which breaks configurable, made-to-measure and heavily optioned catalogues and forces awkward workarounds such as splitting one product into several listings.
  • The application marketplace is much smaller than the largest competitor's, so a specific integration or niche feature is more often a custom build, and custom builds are the line item that quietly exceeds the platform cost.
  • Theme customisation past the visual settings means Stencil, Handlebars templates and a local command line workflow, so changes that look small to a marketing team still require a developer and a deployment.
  • Migrating out moves products and inventory reasonably well and moves the things that matter badly, since customer passwords cannot be exported in usable form, order history rarely transfers intact, and reviews and URL structure have to be rebuilt with a redirect map you must produce yourself or lose the search traffic.

Razorpay

  • It requires an Indian legal entity and settles only to Indian bank accounts, so it is not an option for a business incorporated elsewhere no matter how many Indian customers it has.
  • The transaction percentage applies to the full order value including shipping and tax rather than to the product price, so low margin categories with heavy shipping give up more of their margin than the quoted rate suggests.
  • Payment aggregator authorisation sits with the Reserve Bank of India and has been withheld from aggregators before while applications were reviewed, so a dependency exists that no commercial contract term protects you from.
  • Default settlement runs on a delayed cycle with faster settlement sold as a paid add-on, so a business that buys stock from its takings either waits for cash or pays extra for it, and that cost belongs in the effective rate.
  • International card acceptance is priced higher and requires separate approval rather than being a configuration change, so cross-border revenue takes longer to switch on and earns less per order than a domestic sale.

Pricing, plan by plan

BigCommerce

$29.95/month
  • Standard$29.95/month
    • Unlimited products
    • 2 staff accounts
    • Basic reports
  • Plus$79.95/month
    • All Standard features
    • Up to 5 staff accounts
    • Advanced reports

Razorpay

On request
  • Domestic Payments$undefined/mo
    • 2% platform fee per successful transaction across all payment instruments
    • GST: 18% applies on the platform fee
    • No setup fees, annual maintenance charges, or refund fees
  • Corporate Cards$undefined/mo
    • 2.15% platform fee per transaction
  • International Payments - Cards$undefined/mo
    • Up to 3% per successful transaction
  • International Payments - Bank Transfers$undefined/mo
    • 1% per transaction with zero forex markup

Which should you pick?

Choose BigCommerce if

  • You need no platform transaction fee.
  • You also want stencil theme framework.
BigCommerce review

Choose Razorpay if

  • You need domestic payment methods.
  • You also want international cards.
Razorpay review

Questions people ask

Is BigCommerce or Razorpay better?
Neither clearly leads. BigCommerce starts at $29.95/month and Razorpay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, BigCommerce or Razorpay?
BigCommerce starts at $29.95/month and Razorpay at On request.
Does BigCommerce or Razorpay run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is BigCommerce best used for?
BigCommerce is most often used for a merchant whose volume makes a percentage transaction fee the largest line in the platform decision, a retailer needing several branded storefronts sharing one catalogue and one back office, a b2b seller who needs company accounts and customer-specific price lists without custom development, a team going headless who wants a managed commerce back end rather than a self-hosted one. Of those, a merchant whose volume makes a percentage transaction fee the largest line in the platform decision and a retailer needing several branded storefronts sharing one catalogue and one back office are not what Razorpay is typically brought in for.
What can BigCommerce do that Razorpay cannot?
BigCommerce covers No platform transaction fee, Stencil theme framework, Multi-storefront, Faceted search. Razorpay covers Domestic payment methods, International cards, Payment links and pages, Route.

Answered from the vendors’ own pages

BigCommerce: Does BigCommerce charge transaction fees?

No, and it does not surcharge third party payment gateways either. Revenue affects the price through plan sales thresholds instead.

Razorpay: Can I use Razorpay if my company is not in India?

No. It requires an Indian entity and an Indian bank account for settlement. Overseas businesses selling into India need a different arrangement.

BigCommerce: What happens when I exceed my plan's sales threshold?

You move to the next plan tier. Model this at your projected growth rate, because the increase is driven by revenue rather than by usage.

Razorpay: What is the real effective rate?

The domestic percentage on the full order value including shipping and tax, plus higher international rates, plus any charge for faster settlement and dispute handling. Compute it from a month of settlement reports, not the pricing page.

BigCommerce: Is the app ecosystem large enough?

It covers the common integrations. For anything niche, assume a development project rather than an install, and price that in before comparing subscriptions.

Razorpay: How quickly do I get paid?

On a delayed settlement cycle by default, with faster settlement available as a paid feature. Plan working capital around the default, not the add-on.

BigCommerce: How hard is it to leave?

Products export cleanly. Customer passwords, order history, reviews and SEO URLs do not. Build the redirect map before you cut over, not after traffic drops.

Razorpay: What is the main structural risk?

Regulatory. Indian payment aggregators operate under RBI authorisation and have previously been barred from onboarding new merchants. Keep a second processor integrated if payments are business-critical.

Razorpay: Does it support recurring billing?

Yes, built on India's mandate and e-mandate framework, which has its own rules on authentication and notification that differ from card-on-file recurring elsewhere.

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