Top Free Bigcommerce Payments & Security Apps 2025

99minds Gift Cards, Loyalty, Rewards & Referrals is a powerful app designed to boost your business revenue through innovative customer engagement strategies. It offers an easy-to-use platform for creating branded gift cards, allowing customers to gift them to friends and family, thereby expanding your brand's reach effortlessly. The app also features a comprehensive loyalty program to reward your repeat customers and encourage ongoing patronage. Additionally, store credit options provide flexibility for returns and exchanges, enhancing customer satisfaction. With just a few clicks, you can start selling and managing gift cards, delighting your customers while driving sales growth. Enhance your business's appeal and foster customer loyalty with versatile reward options through 99minds.

PayWhirl Subscriptions is a powerful tool for businesses using BigCommerce, designed to transform and simplify recurring billing processes. It supports a wide range of billing needs, including subscriptions, pre-orders, and payment plans, offering a stress-free experience that adapts as your business expands. The latest update, as of October 2024, introduces a Beta for native checkout integration with BigCommerce, resulting in a more seamless and unified checkout process. This integration eliminates the need for redirects, enhancing the customer experience. PayWhirl's customer-centric approach ensures flexible and efficient billing solutions, making it a top choice for businesses looking to improve their billing systems. For more information and to see the platform in action, explore a live demo or contact the PayWhirl team directly.

Sezzle is a unique Buy Now, Pay Later app and the only certified B-corp in its industry, demonstrating a commitment to ethical business practices. This app is beloved by millions of shoppers for its ability to split purchases into four interest-free payments over six weeks, providing flexibility and ease for consumers. Catering to over 40,000 merchants, Sezzle enhances store performance by converting more browsers into buyers and increasing average transaction sizes. Merchants benefit from fast and easy integration, making it simple to offer financing options for any order, whether online or in-store, ranging from $5 to $25,000. With a focus on fairness, transparency, and flexibility, Sezzle appeals to a new generation of savvy consumers. BigCommerce merchants enjoy additional exclusive benefits, making the integration with Sezzle even more rewarding. Connecting a bank account for automatic deposits is straightforward, ensuring a seamless experience for both merchants and shoppers.

Critical.net is a comprehensive fraud detection and chargeback prevention solution designed for online stores, particularly in Latin America and globally. The app harnesses data automation to accurately identify and flag suspicious or fraudulent orders, helping businesses reduce chargebacks and associated financial losses. By employing real-time intelligent software, Critical.net distinguishes between legitimate and fraudulent transactions, ensuring merchants can confidently accept genuine orders. The platform's payment risk management features verify users and their payment information before processing, thereby boosting transaction acceptance rates and reducing risk exposure. Critical.net's real-time risk analysis and fraud alerts system allows for the swift identification of potentially fraudulent activities, sending timely notifications to prevent unauthorized transactions. The app also offers a pre-authorization and capture queue system, enabling businesses to assess risks and authenticate users before transaction processing, enhancing both security and customer experience.

Affirm Marketing is an innovative app designed to enhance your promotional messaging, helping businesses significantly boost their sales and average order value (AOV). By integrating Affirm's promotional tools, retailers have experienced up to a 60% increase in AOV and doubled their sales. The app empowers customers by clearly displaying payment options before checkout, which encourages them to complete their purchases. Affirm caters to a wide range of cart sizes, from $50 to $30,000, enabling businesses to reach a diverse customer base. With over 250,000 retailers already benefiting from Affirm, it's a popular choice for those looking to grow their sales. The app is easy to set up, and whether you're new to Affirm or have already integrated their system, enhancing your marketing strategy has never been easier.

FraudLabs Pro is an essential fraud prevention tool for online merchants seeking to protect their stores from fraudulent activities. Utilizing advanced algorithms and machine learning technology, the app meticulously analyzes factors like geolocation, proxy usage, email reputation, blacklists, credit card BIN, and transaction velocity to detect fraudulent orders with precision. Designed for flexibility, merchants can either rely on the FraudLabs Pro score to assess risk or create custom validation rules tailored to specific fraud scenarios. To help businesses kick-start their protection efforts, a free version is available for stores with fewer than 500 monthly transactions or monthly sales under $25,000 USD, with no credit card required and no hidden fees. Setting up the plugin is straightforward, requiring just a few minutes to install and configure with the provided API key. With over a decade of industry expertise, FraudLabs Pro is a trusted solution used by thousands of satisfied clients. For those with higher demands, various upgrade plans offer enhanced features and increased validation capacities. Support is readily available for any questions, ensuring an optimal user experience.

Subuno is a robust, rules-based fraud prevention platform designed to safeguard e-commerce merchants against credit card fraud and chargebacks, while enhancing sales and operational efficiency. Established in 2011 by industry veterans, Subuno has become a trusted ally for hundreds of merchants, offering personalized support even for those new to fraud prevention. The platform boasts proven results, with an average reduction in credit card fraud of over 95% without negatively impacting sales. Subuno's team of fraud detection experts work closely with users to maximize the platform's potential and automate manual checks. Its customizable solution allows merchants to tailor fraud prevention rules to fit their unique needs and seamlessly integrate fraud screening into their order processing workflows. With Subuno by your side, tackling fraud becomes a manageable task, empowering your business to thrive confidently in the e-commerce landscape.

PayPal Checkout is a versatile payment solution that streamlines the process of accepting and managing various payment methods for businesses and consumers alike. With the capability to handle transactions through PayPal, Venmo (available in the US), and PayPal Pay Later, it offers a comprehensive suite to cater to diverse customer preferences. This unified platform simplifies the payment experience, ensuring secure and efficient processing of major payment types all in one place. PayPal Checkout is designed to enhance convenience for users, allowing for seamless integration into your business operations or online platforms. Whether you're managing an e-commerce store or accepting payments for services, this app provides flexibility and reliability, making it easier to capture sales and expand your market reach. With its robust security measures and user-friendly interface, PayPal Checkout is ideal for businesses looking to optimize their payment processes and improve customer satisfaction.

Brex is an innovative financial app designed to streamline your business finances by integrating credit cards, cash management, expenses, and accounting into a single, seamless platform. Sign up today and kickstart your financial journey with 25,000 Brex points. With Brex, you can quickly open an account online in just 10 minutes and receive an account number, routing number, and credit cards instantly upon approval, all without needing a personal guarantee. Enjoy the convenience of fee-free transactions, including checks, ACH, and international wires, saving your business both time and money. Plus, every dollar spent with your Brex card earns you cash back, maximizing your purchasing power. Brex serves as your comprehensive financial operating system, providing centralized financial control and visibility to help your business thrive.

Amazon Pay is a powerful payment solution designed to enhance your e-commerce experience with seamless integration into BigCommerce platforms. By leveraging Amazon's reputable and secure payment system, merchants can offer their customers a fast and familiar checkout process, increasing sales conversions and average order values significantly. The app provides a trusted and streamlined shopping experience, allowing hundreds of millions of Amazon users to check out without the need for new accounts. Enhanced security features, including Amazon's advanced fraud detection technology and A-to-z Guarantee protection, ensure secure transactions. The app also offers fast mobile checkout and innovative voice commerce capabilities through Alexa, enhancing customer convenience and engagement. Setting up Amazon Pay is straightforward, requiring login to your BigCommerce store and Amazon Seller Central, making it an essential tool for modern online merchants aiming to boost sales and improve customer satisfaction.

The CoinPayments Crypto Payments app for BigCommerce enables businesses to seamlessly integrate cryptocurrency payments into their online stores. With the ability to accept a wide range of digital currencies including Bitcoin, Ethereum, and Litecoin, the app opens new avenues for global transactions. Trusted by over 1 million businesses and users in 182 countries, CoinPayments stands as a pioneer in cryptocurrency payment solutions. Since its inception in 2013, the platform has successfully processed over $10 billion in crypto transactions, demonstrating its reliability and efficiency. By adopting this app, businesses can gain a competitive edge, offering customers modern and secure payment options. With its user-friendly setup, merchants can start accepting crypto payments within minutes, making it easier than ever to tap into the digital currency market.

Partial.ly Payment Plans for BigCommerce is a comprehensive tool designed to enhance sales and simplify payment processes. The app allows store owners to offer customizable payment plans, enabling customers to manage large purchases by setting their own down payment, payment frequency, and plan duration. This flexibility ensures purchases align with customer financial capabilities, potentially increasing your store's conversion rates. With user-friendly installation guided by clear instructions, integrating Partial.ly into your BigCommerce store is seamless and straightforward. Plus, you can rely on responsive support if any challenges arise. By facilitating easier purchasing processes, Partial.ly Payment Plans helps both businesses grow and customers experience a hassle-free transaction journey.

Bread Finance is a revolutionary white-label financing solution designed to help retailers enhance their sales funnel and convert more customers effectively. By integrating Bread, retailers have seen significant improvements in sales metrics, including a 5-15% increase in overall sales and up to 120% higher average order value (AOV). The platform ensures a seamless financing experience by allowing customers to apply and pre-qualify for financing earlier in the buying journey, thereby increasing their purchasing power with transparent, flexible payment options. Bread's solutions are easily integrated into platforms like BigCommerce through its robust API, providing a painless setup and a customizable user experience. With ample marketing and technical support, Bread empowers partners to extend financing solutions across all sites, driving sales and building brand loyalty. Successful case studies, such as The RTA Store's 8.5% sales increase and EraGem's 3X rise in financed sales, illustrate Bread's ability to transform a retailer's business by attracting more customers and boosting conversions. For more information, visit getbread.com and discover how Bread Finance can facilitate your business growth with pay-over-time solutions.

PayPal Button by Elfsight is a versatile app that allows website owners to seamlessly integrate a PayPal payment button for single payments, subscriptions with a recurring option, and donations with either specified or open values. This tool offers a no-coding-required solution that enhances your website's functionality by providing clients with access to one of the most trusted payment systems globally. As part of Elfsight Apps, a cloud-based service designed to extend website capabilities, this widget connects your site with Elfsight Apps to display your customized PayPal button. Easy to set up, users can install it on their BigCommerce site in just three steps, with the option for a free installation service by Elfsight's Support Team. Whether you're looking to streamline your site's payment process or encourage donations, PayPal Button by Elfsight provides a reliable and efficient solution. Plus, setting up an Elfsight Apps account is quick and free, ensuring you can get started without any hassle.

Credit Key is a robust B2B financing solution designed to enhance your customer experience and drive business growth by offering Buy Now Pay Later options. By integrating with your BigCommerce store, Credit Key allows you to extend instant credit and flexible payment terms ranging from Net 30 to 12 months, creating a frictionless checkout process. Customers can receive real-time credit decisions for lines up to $50,000, thanks to the app’s AI-driven underwriting, empowering them to manage cash flow more effectively. This seamless financing option not only boosts conversion rates but also increases average order values as customers have the flexibility to pay over time. Additionally, Credit Key takes on the credit risk and handles collections, ensuring you receive upfront payments while simplifying your accounting processes. The setup is simple and swift, making it easy for you to enhance your store’s checkout experience without the hassle of manual invoicing or managing accounts receivable and payable. Transform your B2B transactions by integrating Credit Key, and foster long-term customer loyalty with flexible, efficient financing solutions.

PasswordFree® by Identite® revolutionizes the way users access their digital spaces by eliminating the need for traditional passwords. It offers a smooth and secure login experience using multiple modern authentication methods such as instant login, one-time passwords (OTPs), Face ID, QR codes, and biometric verification. The app is designed to enhance user convenience by enabling swift one-click access, making tedious password management a thing of the past. With PasswordFree, you not only improve security but also significantly enhance user satisfaction during logins and checkouts. This innovative solution caters to a tech-savvy audience looking for streamlined and secure ways to access accounts and complete transactions without hassle. Ideal for both businesses and individual users, PasswordFree provides the perfect blend of security and simplicity.

Spotrisk Fraud Protection is a cutting-edge app designed to safeguard your e-commerce store by automatically detecting and verifying risky orders, thus preventing fraud and reducing chargebacks. By analyzing thousands of data points, such as website behavior, IP addresses, and buyer contact details, Spotrisk identifies potential threats before an order is processed. With just one click, you can verify buyers on flagged orders, enabling you to confidently fulfill legitimate ones while blocking bad actors from future transactions. By joining the Spotrisk safety network, you gain access to and contribute to a global e-commerce blocklist, enhancing your protection further. Like a vigilant security camera for your online store, Spotrisk monitors customer interactions to ensure your revenue is shielded from fraudulent activities. Say goodbye to the hassle of chargebacks and let Spotrisk do the heavy lifting in fraud prevention.

Bread Pay is an innovative financing solution designed to enhance the retail shopping experience by offering seamless, brand-consistent funding options. This app allows retailers to attract and convert more customers by integrating a full-funnel, white-label financing system that engages shoppers from the start. By enabling customers to pre-qualify and apply for financing early in their shopping journey, Bread Pay reduces friction and boosts conversion rates. With transparent financing options, customers experience increased purchasing power, leading to heightened sales for retailers. Bread Pay reshapes how consumers interact with retail, transforming potential interest into confirmed purchases while maintaining the retailer's brand identity.

Super Payments is a versatile payment solution designed to streamline your transaction processes with ease and reliability. Offering a seamless integration with BigCommerce, it facilitates both card payments, including credit and debit, as well as account-to-account transactions. One of its standout features is the provision of free card and open banking payments, ensuring cost-effective transactions for businesses. With daily fund settlement capabilities, Super Payments ensures that businesses have quick access to their funds, enhancing cash flow management. To access these features, users need to create a separate account on Super Payments, thereby enabling a more secure and personalized payment processing experience. The platform prioritizes security, implementing robust measures to protect sensitive customer information throughout the transaction process. Super Payments is the convenient and secure choice for modern businesses looking to optimize their online payment systems.