BigCommerce takes no cut of your sales. It bills you for making them anyway.

BigCommerce charges zero transaction fees on every plan with every gateway, and that advantage over Shopify is genuine and worth naming first. The meter it runs instead is a set of trailing twelve-month sales thresholds: cross $50,000 and you move from Standard to Plus, cross $180,000 and you move to Pro, with each step raising the monthly bill because you sold more, not because you needed more. This comparison prices that escalator against a custom build, including the cases where BigCommerce is clearly the better answer.

  • Platform plan $39–$399/mo
  • Transaction cut None, any gateway
  • Sales threshold $50K / $180K / $400K
  • 5-year total $8,000–$28,000

BigCommerce vs. hand-coded custom: side by side

Both columns are written to be accurate. BigCommerce wins several rows and draws level on others, and the table says so where it does. The BigCommerce figures describe a working store on a plan tier its sales volume actually put it on, not the entry price on the pricing page.

Factor BigCommerce Hand-coded custom (ArdinGate)
Upfront cost $0 to start, plus $0–$300 for a premium Stencil theme $2,800–$5,000 one-time, no recurring platform fee
Monthly platform fee $39–$399/mo, required to keep the storefront live None. No subscription at any revenue level
Transaction fees None on any plan, any gateway — a real advantage over Shopify None. Processor rate only
Revenue-indexed plan escalation Yes. Trailing 12-month sales caps at $50K / $180K / $400K force a tier upgrade None. Hosting costs the same at $50K in sales as at $5M
App / feature costs $25–$300/mo — lower than Shopify because more ships built in Built into the codebase once; no per-feature monthly rental
Built-in feature depth Strong — faceted search, customer groups, multi-currency, abandoned cart Whatever is scoped; each built-in has to be quoted rather than switched on
Checkout control Open-source checkout you can fork on any plan, plus a checkout SDK Written for your funnel from the start; nothing to fork or re-sync
URL and SEO structure Good — product and category bases are editable, unlike Shopify's Full control over paths, canonicals, markup and server headers
Page speed (mobile first paint) 2–3s clean; toward 4s once five apps are running Under 1 second across the funnel, cart and checkout included
Google page speed and stability checks Passes when lean; degrades as apps accumulate Passes by default, with no platform weight to claw back
API call limits Metered by plan tier — heavy integrations can force an upgrade None. Your code talks to your database directly
Code and store ownership Rented. Theme and storefront run inside BigCommerce's framework Full codebase delivered on launch day; portable to any PHP host
Data ownership Good export access and an open API — the data leaves, the store does not Your database, your server, your files: move anywhere
Platform lock-in risk High. Leaving means rebuilding the storefront somewhere else None — move hosts, switch developers, change anything
Multi-channel and B2B Strong — native marketplace connectors, price lists, quote workflows Buildable, and each piece is scoped and paid for individually
5-year total cost (estimate) $8,000–$28,000 in plan tiers, apps and theme $6,400–$15,800 build plus hosting: then you own it

When you keep the platform

When BigCommerce is the right call

BigCommerce is frequently the better hosted platform, and a store choosing between it and Shopify is often making the right call by picking BigCommerce. No transaction fee, a checkout you can genuinely modify on any plan, editable URL structure, and a set of built-ins that would be paid apps elsewhere: that is a stronger offer than the market gives it credit for. These are the stores where it earns the plan fee.

B2B selling with price lists and customer groups

This is BigCommerce's clearest strength and the hardest thing on the list to replicate cheaply. Customer groups with segment-specific pricing, uploaded price lists per account, quote request workflows, purchase-order payment methods, and catalog visibility that changes depending on who is logged in are all first-class features rather than app bolt-ons. Commissioning that set of behaviours from scratch is a substantial project on its own. If your business sells to trade accounts at negotiated prices, price out what building that would cost before treating the plan fee as pure overhead, because in this case it clearly is not.

External gateways with negotiated processing rates

If you have a merchant account with rates you fought for, BigCommerce lets you use it without a penalty. A Shopify merchant in the same position pays up to 2% on top of processing on the Basic plan for the privilege of not using Shopify Payments, which on a $500,000-a-year store is $10,000 a year handed over for nothing. BigCommerce charging zero here is not a marketing line, it is the single most defensible reason to be on the platform, and it puts BigCommerce level with a custom store on the dimension merchants complain about most.

Headless builds where you want the commerce backend only

BigCommerce has invested seriously in being usable as a commerce engine behind somebody else's front end. If you want your own storefront for speed and design control but do not want to build and maintain order management, tax calculation, inventory and payment orchestration, using their APIs behind your own front end is a legitimate architecture. It sidesteps the storefront performance argument entirely, since the pages are yours. What it does not sidestep is the plan fee, the sales threshold escalator, and the API call ceiling, so the cost comparison in this page still applies to the backend half of that setup.

Multi-currency and multi-channel operations

Selling in several currencies, running more than one storefront, and pushing the same catalog to Amazon, eBay, Meta and Google from a single dashboard is infrastructure that arrives configured. Each of those is buildable in a custom store, and each is a line item on a quote. For a store where multi-channel is central to the business model rather than an experiment, the monthly fee is buying integration work that would otherwise be commissioned and then maintained as the marketplaces change their requirements.

Early-stage stores testing whether the product sells

If you do not yet know whether this store will exist in a year, do not commission a custom build for it. BigCommerce gets you selling in days at the Standard tier, and at that revenue level the sales threshold is not yet a factor. Once the product is proven and you are planning for the next three to five years, run the comparison again with real numbers. The platform is a good place to find out whether you have a business; it is an expensive place to keep one whose revenue keeps moving your plan up a tier.

A caveat that applies to all five: BigCommerce's ecosystem is smaller than Shopify's. Fewer themes, fewer apps, a smaller pool of developers who specialise in it. That cuts both ways. It means less app-stack creep and a leaner store by default, and it also means that when you need something specific, the odds an off-the-shelf answer exists are lower than they would be on the larger platform, and custom development is the fallback more often than merchants expect going in.

Where a custom store outperforms BigCommerce

The differences that matter here are narrower than the ones against Shopify, because BigCommerce has removed several of the complaints that make that comparison easy. What remains is structural: a bill indexed to your revenue, a metered pipe between your code and your data, platform weight on every page, and a store you occupy rather than own.

A bill that rises because you succeeded, not because you needed something

Price the escalator rather than the headline. A store launches on Standard at $39 a month and spends two years there: $936. Somewhere in year three trailing twelve-month sales pass $50,000, which moves it to Plus at $105 a month for the remaining three years: $3,780. Nothing about the store changed. The same catalog, the same checkout, the same apps, the same traffic pattern, now costing $792 a year more because it sold more of what it was already selling. Add an app stack at $75 a month, which is modest and realistic given how much BigCommerce includes, for $4,500 across the five years, and a $250 premium theme once.

That is $9,466 over five years, of which $9,216 is recurring, so year six opens at roughly $2,160 and climbs again at the next threshold. A custom build at $2,800 with $60 a month Core hosting is $6,400 across the same five years, of which $3,600 is hosting and the rest is paid once. Year six costs $720, and it costs $720 whether the store did $50,000 or $5 million in sales, because the hosting bill responds to traffic and storage rather than to revenue.

Plan fees, Standard → Plus $4,716 / 5yr
App stack at $75/mo $4,500 / 5yr
BigCommerce five-year total $9,466 / 5yr
Custom build + Core hosting $6,400 / 5yr

The caveats belong in the open. A store that stays under $50,000 in annual sales for all five years never leaves Standard and spends closer to $7,000, which lands near a custom build rather than clearly above it. A custom store on the $180 Priority tier spends $10,800 on hosting alone and loses the comparison outright. Pick the hosting tier for the support you want and then run the crossover against your own plan history and app invoices, because the direction of the two curves is the durable point, not any single total.

No metered pipe between your code and your data

BigCommerce meters API calls by plan tier, and this is the constraint that catches stores that compared platforms on price alone. Every integration draws on the same budget: an ERP syncing stock levels, an accounting connector pulling orders each night, a warehouse system posting fulfilment updates, a marketplace listing tool, an internal reporting dashboard. Two or three light integrations never notice the ceiling. A real operational stack starts scheduling around it, batching syncs and accepting staler inventory numbers to stay inside quota, and eventually somebody proposes a plan upgrade for headroom rather than for anything a customer would see.

A custom store has no meter. Your code reads and writes your database directly, so the only limits on an integration are the ones the other system imposes. Inventory can sync every minute rather than every hour if that is what the business needs, and an internal dashboard can query whatever it wants without competing for quota with the systems that keep the store running.

Speed that does not degrade as the app list grows

A clean BigCommerce store is respectable, showing its main content on mobile in around two to three seconds, and it needs fewer apps than a Shopify store to reach the same feature set because so much ships built in. That is a genuine advantage and it delays the problem rather than removing it. Every app you do install adds code the visitor downloads and runs before the page becomes usable: a reviews widget, a live chat bubble, an exit-intent overlay, a loyalty bar, an analytics tag. Five of those and a page that appeared in 2.2 seconds is taking closer to four.

A custom store sends the finished page straight to the browser with no framework to boot first, and features run on the server rather than in the visitor's browser, so adding them costs nothing in load time. Under a second across the whole funnel, cart and checkout included, and it stays there as the store grows. Google scores page speed and stability as ranking inputs, and that advantage compounds across every month the store is live. What page speed means for rankings →

A funnel designed rather than a checkout adjusted

Credit first: BigCommerce's checkout is open source, forkable on every plan, and backed by a checkout SDK, which is a materially better position than Shopify's locked template with a $2,300-a-month unlock. If checkout control is why you are looking past Shopify, BigCommerce may already answer the question.

What forking does not change is that you are modifying a checkout built to a data model that is not yours, and that your fork becomes code you maintain against their upstream releases. A custom checkout starts from how you sell: one page for impulse buys or several steps for considered ones, guest checkout or required accounts, upsells keyed to what is in the cart, gift messaging, local pickup, a subscription toggle at the product or cart level. Checkout is the highest-leverage surface in a store. A one percent conversion improvement on a $500,000-a-year store is $5,000 a year, and being able to chase that without weighing it against a platform release schedule is worth more than the customization ceiling suggests.

Owning the store, not occupying it

BigCommerce is honest about data. Exports are usable, the API is open, and getting your products, customers and orders out is not the fight it is on some platforms. What does not come with the data is the store. The theme lives inside the Stencil framework, the catalog follows their data model, the checkout answers to their backend, and the apps are integrations with their platform rather than software you hold. Stop paying and the storefront goes dark, and what you kept is a spreadsheet.

That switching cost is what makes a plan increase easy for a platform to pass on. A custom store is source code, a database and files on a server you control: change hosts because one is cheaper, hand the codebase to a different developer without a migration project, pause the store during a slow season and bring it back without asking anyone. The store belongs to the business in the same way its inventory and its name do.

Objections, itemized

The common reasons people choose BigCommerce: addressed directly

"No transaction fees means it is already the cheap option"

Against Shopify, often yes, and that comparison is worth making. A store on an external gateway doing $500,000 a year saves around $10,000 annually on BigCommerce versus Shopify Basic, which dwarfs any plan-price difference between the two.

Against a custom build, the fee comparison is a draw rather than a win, because a custom store also connects straight to a processor and also pays nothing to a platform. The live question is the plan, and the plan is indexed to your sales. Zero percent of every order plus a tier that steps up at $50,000, $180,000 and $400,000 in trailing sales is a different mechanism from a percentage cut, and it still means the bill rises as the business grows. On the custom side the recurring number is hosting, and hosting responds to traffic and storage rather than revenue.

"So much is built in that I will not need apps"

This holds up better than the equivalent claim about Shopify. Faceted search, customer groups, multi-currency, abandoned-cart recovery and product filtering are included rather than rented, and a store whose needs stop there can genuinely run on a very small app bill. That is a real structural difference and the reason the app figure used on this page is $75 a month rather than the $100 to $150 a Shopify comparison would carry.

Where it stops holding is at the edges, and the edges arrive sooner because the ecosystem is smaller. Subscription billing, a specific ERP connector, an unusual shipping rule, a niche review platform your industry expects: the odds that an off-the-shelf BigCommerce app exists are lower than on the larger platform, so the fallback is custom development against their APIs more often than merchants expect. Fewer apps needed is true. Fewer apps available is also true, and the second one bites later and harder.

"I can be selling this month"

Correct, and a custom build cannot match it. A BigCommerce store with a Stencil theme and an imported catalog can be taking orders inside a couple of weeks. A custom e-commerce build runs six to ten weeks depending on catalog size and checkout complexity. If the deadline is a season, a trade show, or a product launch with a date attached, the platform wins on timeline and there is no honest way around that.

The question worth asking is what the store has to do after that deadline. Six to ten weeks at the start of something you intend to run for five years is a small fraction of its life, and it is cheaper than launching fast and rebuilding later when the plan tier steps up for the second time, the API ceiling starts shaping your integration schedule, or a competitor on a faster store starts outranking you for the searches that bring in revenue.

The verdict

Bottom line on BigCommerce vs. custom

BigCommerce is the right choice when the platform is doing operational work you would otherwise commission: B2B price lists and quote workflows, multi-currency and multi-storefront selling, native marketplace connectors, or a headless setup where you want the commerce backend and nothing else. It is also the right choice against Shopify for a lot of merchants, and this page is not going to pretend otherwise. Zero transaction fees, a forkable checkout on every plan, and editable URL structure are advantages Shopify does not offer at any price below Plus.

For a store that is a catalog, a cart and a checkout, the case for a custom build is the same one it has always been, just with a different meter. Instead of a percentage of every order, BigCommerce charges a plan whose tier your own revenue selects, a metered API budget between your code and your data, and platform weight on every page. A custom build costs more on day one, less across five years at the Core and Care hosting tiers, and carries a recurring number that does not move when your sales do. If your bill has gone up because you crossed a threshold rather than because you asked for anything, that is the signal to run the comparison properly.

Five-year delta: Standard to Plus plus apps vs. custom on Core$3,066

What a custom store bills

Pricing

Custom e-commerce builds are quoted per project, because catalog size, checkout complexity and integration requirements vary too much for a flat price to mean anything. A standard store with a defined catalog, Stripe or PayPal checkout, customer accounts, discount codes and an order management admin falls in the $2,800–$5,000 range. B2B price lists, subscription billing, multi-currency pricing or a live ERP integration are scoped individually, and it is worth saying plainly that a store needing several of those at once may find BigCommerce's built-ins cheaper than commissioning equivalents.

After launch, the only recurring cost is hosting. Optional managed hosting starts at $60 a month on Core and covers SSL, nightly backups, uptime monitoring and server-level security patching. Content edits and application-level patching start at the $100 Care tier; same-day critical response and a test environment are available at $180 on Priority. No tier is indexed to your sales volume, and no tier meters API calls. If you would rather host it yourself or move it to a server you already run, you take the source files and do exactly that, with no long-term contract and cancellation on 30 days' written notice at no fee.

For comparison: the representative BigCommerce store priced above spends $9,466 across five years, of which $9,216 recurs and starts again in year six at roughly $2,160 before the next threshold. A custom build at $2,800 with $60 a month Core hosting runs $6,400 over the same period, and year six costs $720 regardless of what the store sold. Before deciding either way, pull your plan history, your app invoices, and the trailing twelve-month sales figure that determines your tier. That picture multiplied out over five years is the only number worth putting next to a quote.

Full pricing breakdown →

Questions about BigCommerce vs. a custom store

Does BigCommerce charge transaction fees?

No, on any plan, with any payment gateway. This is BigCommerce's headline advantage and it is real. Shopify adds up to 2% on the Basic plan to every order processed through an external gateway, dropping to 1% and 0.5% on higher tiers, and waives it only if you use Shopify Payments. BigCommerce takes nothing. Connect Stripe, PayPal, Braintree, Authorize.net or a processor you have negotiated your own rates with, and you pay that processor and nobody else. For a store doing $500,000 a year on an external gateway, the Shopify surcharge alone would be $10,000 annually, so this is not a rounding difference. On this dimension BigCommerce matches a custom store exactly: both connect straight to a processor with no platform cut. What BigCommerce charges instead is a monthly plan whose tier is set by your sales volume, which is a different mechanism for the same outcome and the thing worth reading the next answer about.

What are BigCommerce's sales thresholds and what happens when I cross one?

Every BigCommerce plan carries a cap on trailing twelve-month online sales, and crossing it moves you to the next plan whether or not you asked. Standard covers up to $50,000, Plus up to $180,000, and Pro up to $400,000, with Pro adding a further charge for each additional block of sales above that before Enterprise takes over. The mechanism is worth understanding clearly: your monthly bill is indexed to your revenue rather than to what you are using the platform for. A store that grows from $45,000 to $55,000 in annual sales without changing a single feature moves from $39 a month to $105 a month, a $792 annual increase caused entirely by selling more of the same thing on the same store. It is more predictable than a percentage of every order and it is less painful than Shopify's transaction fee for most merchants, but it is still a bill that rises with your success. A custom store's hosting cost does not move when your revenue does.

What does BigCommerce actually cost per year, all in?

Take a representative store rather than the headline plan price. Two years on Standard at $39 a month is $936. Crossing the $50,000 sales threshold moves it to Plus at $105 a month, so three years there is $3,780. Apps at $75 a month is $4,500 across the five years, which is a lower app bill than the equivalent Shopify store because more is built in. A premium Stencil theme is around $250 once. That totals $9,466 across five years, and every dollar of it except the theme is recurring, so year six starts again at roughly $2,160. The app number is the one most likely to be wrong in either direction for your store: BigCommerce includes faceted search, customer groups, multi-currency and abandoned-cart recovery that would be paid apps elsewhere, so a store whose needs are covered by the built-ins might spend $25 a month, while one needing a specific ERP or subscription-billing integration can spend $300. Price your own list rather than trusting an average.

Can I customize the BigCommerce checkout?

More than on Shopify, and this deserves credit. BigCommerce ships an open-source checkout that you can fork and modify on any plan, plus a checkout SDK for building your own front end against their APIs. There is no Plus-tier gate charging $2,300 a month for the privilege, which is a meaningful structural difference between the two platforms. The limits are real but narrower than most comparisons suggest: you are customizing a checkout, not designing a purchase flow from scratch, and the order model, the field set and the payment step behave the way BigCommerce's backend expects. Forked checkout code also becomes yours to maintain against their upstream changes. A custom store starts from your funnel rather than from someone's default: one page or several, guest or account-required, upsells keyed to cart contents, gift messaging, local pickup, a subscription toggle at product or cart level. The gap here is smaller than the one against Shopify, and it is still the difference between adjusting a system and owning one.

How does BigCommerce compare to Shopify and a custom store for SEO?

BigCommerce is better than Shopify on the structural pieces and still short of a custom build. You can change the product URL base, remove the default prefix, and shape category paths in ways Shopify simply does not permit, so the flat /products/ and /collections/ complaint that applies to Shopify does not apply here. Titles, descriptions, canonicals and sitemaps are all editable, and BigCommerce emits product markup for Google out of the box. The remaining differences are speed and precision. A hosted storefront carries platform weight that a custom page does not, and Google scores page speed and stability as ranking inputs. On structured data, filling out variant-level detail, shipping information, review aggregates and category listing markup completely often means an app or theme changes, and each of those is a dependency that can drift. A custom store writes that markup into the template from the same data the page already displays, so it cannot fall out of sync and does not depend on a subscription staying current.

Is BigCommerce faster than Shopify or a custom store?

BigCommerce is broadly comparable to Shopify and slower than a custom build, and the reason is architectural rather than a hosting quality gap. A hosted storefront runs a theme framework, a template layer and a set of scripts on every page, and each installed app adds its own code to that load. A clean BigCommerce store shows its main content on mobile in roughly two to three seconds. Add five apps for reviews, live chat, popups, loyalty and analytics and that stretches toward four seconds, because every app is more code the visitor's browser downloads and runs before the page becomes usable. BigCommerce's advantage is that it needs fewer apps than Shopify for the same feature set, so the degradation curve starts later. A custom store sends the finished page straight to the browser with no framework underneath, holds under a second across the whole funnel including cart and checkout, and does not get slower as features are added, because features run on the server rather than in the visitor's browser.

What are BigCommerce's API limits and when do they matter?

BigCommerce meters API calls by plan tier, and it is the constraint most likely to catch a store that did its research on price alone. Every integration you run consumes that budget: an ERP syncing inventory, an accounting connector pulling orders, a warehouse system posting fulfilment updates, a marketplace listing tool, a custom dashboard. For a store with two or three light integrations the ceiling is invisible. For one with a real operational stack it becomes a scheduling problem, where syncs get batched and slowed to stay inside quota, or a reason to move to a higher plan for headroom rather than for features. The pattern to watch for is a plan upgrade driven by integration volume rather than by anything customer-facing. A custom store talks to your database directly with no metered budget between your code and your data, and integrations are limited by what the other system permits rather than by your storefront plan.

Do I own my BigCommerce store?

You own your data and you rent the store. BigCommerce gives good export access to products, customers and orders, and its API is genuinely open, so extracting information is not the fight it can be elsewhere. What does not come with you is the store itself. The theme runs inside BigCommerce's Stencil framework, the catalog structure follows their data model, the checkout behaves the way their backend requires, and the apps are integrations with their platform rather than software you hold. Stop paying and the storefront goes offline; the export file is a list of products and customers, not a working store. Leaving means rebuilding, which is exactly the switching cost that makes a plan price rise easy to absorb and hard to argue with. A custom store is source code, a database and files on a server you control. Change hosts because one is cheaper, hand the codebase to a different developer, or park the store during a slow season and bring it back without asking anyone.

Can a custom store do everything BigCommerce does?

For the functionality most stores use, yes: catalog with variants and options, cart and checkout, discounts and promotions, inventory, shipping rate calculation, customer accounts and order history, and payment through the processor of your choice. Several things BigCommerce charges for as built-ins are ordinary work in a custom build, including faceted filtering, customer groups with tiered pricing, and abandoned-cart follow-up. Where BigCommerce is harder to replicate is the breadth of what arrives configured on day one: multi-currency handling, native marketplace and social channel connectors for Amazon, eBay, Meta and Google, B2B price lists and quote workflows, and a large catalog of pre-built integrations with ERP and accounting systems. Each of those is buildable, and each costs real money to build. If your operation depends on several of them at once, that bundle is doing genuine work and a custom build has to earn its way past it feature by feature rather than on cost alone.

How long does it take to migrate off BigCommerce to a custom store?

Six to ten weeks for most stores, depending on catalog size and how many integrations need rebuilding. BigCommerce's API is one of the better ones to migrate away from, so pulling products, variants, customers, orders and category structure is largely scripted rather than a manual spreadsheet exercise. The work that consumes the schedule is rebuilding whatever your apps were doing, reshaping the catalog around how your customers search rather than how the platform organized it, and mapping every product and category address Google has indexed to its new home with automatic forwarding in place before launch rather than after. Stores with subscription billing, B2B price lists, multi-currency pricing or a live ERP connection need more planning at the start. Your existing store stays live and taking orders until the new one is built and tested, so there is no trading downtime, and search rankings generally hold through a careful migration and often improve because the new store is faster.

When does staying on BigCommerce make sense?

When the platform is doing operational work rather than hosting a catalog. B2B selling with customer groups, price lists, quote workflows and account-specific pricing is a genuine strength and expensive to build from scratch. Multi-currency and multi-storefront operations get real infrastructure for the plan fee. Stores selling across Amazon, eBay, Meta and Google through native connectors managed in one dashboard are buying integration work they would otherwise commission. Teams running a headless build where BigCommerce is the commerce backend behind their own front end get a mature API and stay off the storefront performance question entirely. And stores validating a product idea should not commission a custom build for something that may not exist in six months. The case for moving is strongest when your bill is rising because your revenue crossed a threshold rather than because your requirements changed, when the app stack keeps growing, and when the storefront is doing nothing a purpose-built store could not do faster and without a monthly plan.

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