Braintree (PayPal Enterprise Payments) Review | Payment Review

Braintree (PayPal Enterprise Payments)

Payment Processor

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5 min read

TL;DR

Braintree offers a wide array of services: online and mobile payment acceptance (cards, digital wallets, PayPal, Venmo), developer SDKs and APIs for multiple languages, tokenization, vaulting of customer payment methods, recurring billing and subscription support, global currency and merchant account support, integrations with major ecommerce platforms. Its feature set is strong and comprehensive for merchants that need more than “plug & play” minimal setups. Braintree is praised for its strong developer tools, wide payment method support, and scalability for growing online businesses. It offers transparent pricing and flexibility without long-term contracts, making it appealing for mid- to large-volume merchants. However, it may be less ideal for very small or POS-only businesses due to setup complexity and potential extra costs like international surcharges. Some users also report challenges with funding delays, underwriting, and limited built-in invoicing or marketplace features. Braintree was acquired by payPal on September 26, 2013.

About

Braintree is a full-featured, globally-capable payment gateway solution (online + mobile) backed by PayPal, offering robust APIs, developer tooling, and enterprise-class features for merchants. Primarily deals in mobile and web payment systems.

Products & Services

No products or services information available.

Platform Ratings

Aggregated Trust Score

Based on 90 reviews across 1 rating platform

3.4

out of 5

Overall Rating

G2

90 reviews

Reviewer Notes

Many merchants highlight reliability and robustness of Braintree for online & mobile payments. The breadth of payment-method support and developer tooling is frequently praised. Reviewers also praise smooth transactions and strong security. Customer support /service responsiveness is a common complaint. Others complain that the interface isn't intuitive. A number of merchants complain unfavorable experiences with chargeback issues.

Pricing Details

Online processing rate: ~ 2.59% + $0.49 per transaction (U.S. standard cards/digital wallets)
Venmo (U.S.) rate: ~ 3.49% + $0.49 for Venmo payments.
ACH/direct debit: ~ 0.75% per transaction (max cap ~$5 in U.S.)
International / non-U.S. issued cards / non-USD currency: typically an additional +1% surcharge.
Monthly fees: For many standard online merchants Braintree publishes $0 monthly fee (for processing) though in some contexts a $49/month gateway fee + $0.10/transaction model is cited for specialized use cases.
Setup fee: Public sources indicate no explicit setup fee for standard account.
PCI fee: I did not find a publicly posted flat PCI-compliance fee for Braintree (they cover the gateway side; merchant still must handle their PCI obligations).
Chargeback fee: ~$15 per chargeback for U.S. card transactions.

Processing Rates

Online Transactions

Card-not-present, e-commerce, and online payments

2.59% + $0.49 per transaction

Per transaction

International Transactions

Cross-border and foreign currency transactions

typically an additional +1% surcharge

Per transaction

Fees

Monthly Fee

$0 monthly fee (for processing) though in some contexts a $49/month gateway fee + $0.10/transaction model is cited for specialized use cases

Recurring monthly account fee

Setup Fee

Public sources indicate no explicit setup fee for standard account

One-time account setup and onboarding fee

Early Termination Fee

Likely no early termination penalty

Fee for canceling before contract end

Payouts

Standard Payout Time

Most gateways/acquirers, settlement typically occurs after batch submission and depending on acquiring bank (often 1–2 business days for online payments)

Regular deposit schedule to your bank account

Expedited Payout Time

Varies by acquiring bank and agreement

Faster deposit option (may have additional fees)

Minimum Payout Amount

Not clearly published

Minimum balance required before payout

Contract Terms

Flexible Contract Terms

This provider offers month-to-month terms with no long-term commitment.

Contract Length

Required commitment period

Public sources indicate month-to-month terms for many merchants

Security & Compliance

PCI Compliance

Payment Card Industry Data Security Standard compliance level

PCI Level 1 certified (highest level)

Data Encryption

Encryption standards for data at rest and in transit

Encrypted transmission of payment data

Tokenization

Supported

Replace sensitive card data with secure tokens

Accepted Payment Types

Credit & Debit Cards

Visa

Mastercard

American Express

Discover

JCB

UnionPay

Digital Wallets

PayPal

Venmo

Apple Pay

Google Pay

Bank Transfers

ACH/direct debit supported in U.S. (0.75% fee)

Alternative Payment Methods

Venmo (in U.S.)

Other wallets/international methods depending on region

Integrations

E-commerce Platforms

Compatible shopping cart and online store platforms

WooCommerceMagentoBigCommerce

3 integrations available

Accounting Software

Sync transactions with your accounting tools

QuickBooks (through dedicated connectors like PayTraQer, Snyder, or Tray.ai)Xero (through dedicated connectors like PayTraQer, Snyder, or Tray.ai)Zoho Books (through dedicated connectors like PayTraQer, Snyder, or Tray.ai)Sage 300 (through dedicated connectors like PayTraQer, Snyder, or Tray.ai)

4 integrations available

CRM Systems

Connect with customer relationship management platforms

SalesforceHubSpotMicrosoft Dynamics 365Zoho CRMBitrix24

5 integrations available

Special Features

Subscription Management

Manage recurring subscriptions and billing cycles

Supported

Invoicing

Create and send professional invoices

Supported

Virtual Terminal

Accept payments manually via web interface

Supported

Recurring Billing

Automated recurring payment processing

Supported

Multi-Currency Support

Accept and process multiple currencies

Supported

Top Competitors

Stripe

No comparison available

Square

No comparison available

Authorize.net

No comparison available

Support & Contact

Submission Form

Visit Website

Support Types

Quality Assessment

Many merchants report that for technical integration and developer support Braintree is solid (thanks to good documentation and SDKs). Some merchant complaints relate to funding/underwriting/merchant account issues (which are often more about the acquiring bank than just the gateway). Overall the support quality is good but not perfect, especially for non-standard merchant use-cases.