One thing that separates Virtina from the rest of the eCommerce developers is its ability to work with innovative technologies. We were only happy when a financial technology solution provider came to us seeking help to create a custom plugin to enable their payment gateway in BigCommerce. The client is a popular fintech company offering POS BNPL (Buy Now Pay Later) services to consumers.
What made the client's business model and payment gateway was that they had tie-ups with not one but multiple lenders. The merchant must enter into a legal agreement with the client, which has a legal contract with various lenders. Moreover, the client's API can display the installment option that's most profitable to the merchant.
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Below, we explain how Virtina created a custom BigCommerce plugin to facilitate the BNPL payment option using the client's payment gateway.
Creating a Custom Middleware to Facilitate BNPL Capability in BigCommerce
Our client, a fintech company that facilitates secure point-of-sale (POS) financing solutions to companies, wanted to integrate their solution into BigCommerce. But as BigCommerce is a closed-source platform, there are many loops to jump through before they can connect their system with the BigCommerce platform.
As an expert with experience developing custom BigCommerce plugins, Virtina knew the ideal solution for the client. However, creating a custom plugin or BigCommerce app can be challenging. Unlike open-source eCommerce platforms like WooCommerce and Magento, creating a custom plugin is significantly more difficult.
Moreover, every BigCommerce app must meet the rigorous standards set by BigCommerce to integrate with online stores. Only after getting the approval and featuring the plugin in the marketplace as an official BigCommerce can store owners use the client's BNPL (Buy Now Pay Later) API. It means the experts at Virtina had to ensure the middleware meets the BigCommerce standards.
The middleware ensures seamless communication between BigCommerce and the client's BNPL (Buy Now Pay Later) API. Any interruptions or errors in this communication could lead to cart abandonments, loss of sales, and ultimately impact the eCommerce revenue. Our developers and QA team worked together to ensure the middleware worked perfectly with the BigCommerce system.
Ensuring Fast and Accurate Credit-checking
One of the first things we did for the client's BNPL (Buy Now Pay Later) API was to facilitate a credit-checking capability on the BigCommerce storefront. It involved collecting essential information from online store visitors and relaying it to a credit-checking API. The data required for the credit check includes the visitor's mobile and social security numbers.
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That's not all. The client also required the BigCommerce plugin to facilitate credit-check capability on different front-end pages. Our experts had to ensure that the eCommerce customer could check their credit eligibility at different stages in the purchase journey. By doing so, we confirmed that BigCommerce store could effectively boost their conversion rates and sales.
Of course, we also had to ensure that any communication involving the BigCommerce plugin was safe and secure. Besides, BigCommerce also has safety and security requirements. Our BigCommerce developers had to ensure that the custom plugin met the standard BigCommerce requirements. Furthermore, our custom solution only uses secure pages for all communication, including HTTPS.
Facilitating Custom Payment on BigCommerce by Replacing a Default Offline Payment Option
BigCommerce may be a closed-source platform, but it does offer some leading payment methods by default, such as Amazon Pay. The reason why third-party finance solution providers can't facilitate their payment option on BigCommerce is that they are not a default payment method. However, as an expert in BigCommerce, we knew how to get around this problem.
There are several offline payment options in BigCommerce that most store owners never use, such as the "check" payment option. Our experts used one of these modules for offline payment to create a new payment option in BigCommerce stores for the client. It is a simple but effective way to incorporate the client's BNPL (Buy Now Pay Later) choice into BigCommerce stores.
Our experts used custom codes to replace the offline payment method with the client's BNPL (Buy Now Pay Later) option. To ensure accurate communication and data transfer, we also utilized several BigCommerce APIs. It allowed the experts at Virtina to list the client's payment gateway in the BigCommerce backend.
After getting approval from BigCommerce, store owners can use the app to facilitate the client's payment option. The store owner only has to download the BigCommerce App from the marketplace and integrate it with their online store. Our custom plugin can automatically replace the offline payment with the client's BNPL (Buy Now Pay Later) API.
Moreover, we created a custom section in the BigCommerce payment section that the store owner can use to manage the BNPL option. The store owner could access the payment section from the backend to manage the BNPL option utilizing the client's payment gateway. It includes enabling and disabling the BNPL option on the BigCommerce store from the backend.
Custom Widget for the Client's BNPL (Buy Now Pay Later) API
Our expertise in eCommerce was crucial in ensuring that the custom BigCommerce API had all the essential functionalities for an online store. The custom widget we created for the client's payment solution is a perfect example of how our eCommerce expertise played a vital role in the proper execution of the project.
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eCommerce is all about flexibility, and this flexibility applies equally to the consumer and seller. It means the customer should be able to access the BNPL option as quickly as the store owner can control it from the backend. The custom section in the BigCommerce backend ensured the store owner could easily manage the BNPL option.
Our experts created a widget to ensure that the eCommerce customer could easily access the BNPL capabilities from the store. The store owner can position the custom widget tactfully at any position on selected front-end pages. The customer can decide in split seconds whether or not to buy a product. And the eCommerce store must be ready. Our custom widget can ensure this readiness.
Our BigCommerce plugin allows store owners to enable the widget across different front-end pages effortlessly. The admin or store owner can display the widget on product, checkout, and cart pages. It covers all the significant stages in a customer's eCommerce journey. Customers can access the plugin widget and check their credit eligibility at any step in their purchase journey.
As customers can check whether they are eligible for credit payments whenever they want, it also encourages impulse buying. The widget can also split the total cost of the product into smaller installments the customer can make. In many cases, buying something stems from an impulse decision. We designed the plugin to encourage such purchase decisions, ultimately helping eCommerce store owners boost their sales and revenue.
Custom Checkout and Product Pages for a Financial Technology Solution Provider
As the client is not one of the payment gateways listed on default by BigCommerce, the store can not display a BNPL option. To overcome this challenge, the experts at Virtina had to create custom checkout and product pages. These pages could display the client's payment gateway as one of the payment options.
The customer could then decide whether to pay for a product using the BNPL (Buy Now Pay Later) option. With our custom BigCommerce app, the client could implement such custom pages in an online store. Our plugin displays a "pay as low as $$" on front-end pages.
As a result, the BigCommerce store owner can quickly serve the needs of their customers. Payment flexibility is one of the aspects that could significantly boost sales and conversion for an online business. Our custom BigCommerce App enables online businesses to add this flexibility and show the most profitable installment option to the merchant.
The custom BigCommerce app even displays the BNPL option on the checkout page. It allows the customer to use the client's payment gateway even later in the conversion funnel. That's not all. BigCommerce only supports the client's payment gateway with our plugin. It means the site could not display a thank you message after purchase.
Our experts created a custom thank you message and displayed it every time a customer makes a payment using the client's gateway. We used a simple but effective thank you note and design for this. It completed the custom transactional capability on a BigCommerce store using the BigCommerce plugin Virtina created for the client.
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Adding Flexible Payment Capabilities to BigCommerce Stores
Creating a custom BigCommerce app to add flexible BNPL (Buy Now Pay Later) capability takes work. It requires developing a custom plugin that seamlessly connects the payment gateway with the BigCommerce platform. We established this connection and facilitated an easy payment option for BigCommerce customers.
The experts at Virtina created a custom plugin that could release the full potential of the client's API on a BigCommerce store. Virtina spared no details and even custom-made a thank you page for the client. Besides that, our QA team ensured that the plugin performed well under all conditions.
The result is a highly-customized BigCommerce app that facilitates easy and convenient payment for eCommerce customers. We have already initiated the approval process for the plugin. It is only a matter of time before the plugin gets approved and becomes available to the public in the BigCommerce marketplace.