Braintree Payments Reviews

Braintree Payments Overview

Braintree Payments, more commonly referred to simply as “Braintree,” is an online payment processor owned by PayPal. Similar to Stripe, Braintree is a merchant account aggregator that enables e-commerce merchants to accept payments online with minimal technical expertise. Although Braintree (along with Venmo) was acquired by PayPal in 2013, Braintree does not require merchants to open a PayPal account in order to accept card payments from customers. Braintree can be added to a merchant’s website through a simple, one-time integration or built into a merchant’s product via a more complicated API integration.

Braintree’s services include support for payments in over 40 countries and over 130 currencies, recurring billing, AVS and CVV, built-in fraud protection, and deposits within two business days. Braintree does not charge merchants anything to open an account and has no monthly fees, contract length, or early termination fee. The company charges 2.9% plus $0.30 for all transactions, but it also waives merchants’ transaction fees for the first $50,000 processed. The company offers phone and email support to all of its merchants. Bill Ready is the CEO of Braintree.

Braintree processes major debit and credit cards, and allows merchants to store credit card data on its secured servers, and set up recurring charges for periodic billing purposes.

PayPal has received complaints about its service and has received complaints about the quality of its service.

Braintree is a payment gateway that charges 2.9% + $0.30 per transaction for all card types. There are no monthly fees, PCI compliance fees, cancellation fees, or minimum transactions fees.

Non-profits can receive a rate of 2.2% plus $0.30 per transaction, American Express payments are charged 3.25% plus $0.30, and ACH payments are charged 0.75%.

Braintree has been involved in more than 50 complaints. The company follows industry-standard protocols when detecting and deterring fraud, but fund-holds can be difficult for any business.

Braintree receives relatively few complaints related to fund-holds, and it offers a large online knowledge base.

The Better Business Bureau combined Braintree’s account with that of PayPal, and gave the combined account a “B-” rating based upon 16 complaints filed over the last 36 months.

The BBB is difficult to authenticate informal reviews. Choosing a merchant service provider takes diligence.

Braintree displays its pricing and contract terms on its website, and there are no negative reviews about the company’s sales team.

Braintree Payment Solutions, an e-commerce and subscription/membership merchant account provider, offers no monthly fees, PCI compliance fees, setup fees, or cancellation fees.

Braintree Payments Logo
Braintree Payments Logo

At a glance

Founded: 2007

Location: Chicago, Illinois

Acquiring bank: Multiple, not listed


Phone number: 877-434-2894

E-mail: [email protected]

Braintree Payments Promotional Video

Online reputation and reviews

Braintree has a nearly pristine complaint record across all consumer protection websites. The few complaints that are available mention difficulty signing up, account closures, fund holds, and high per-transaction fees. For a company with such a low barrier to signup and an e-commerce focus, Braintree’s complaint total is an impressive achievement. Stripe, by comparison, has received hundreds of complaints, many of them related to its lack of live customer support. In this regard, Braintree’s phone support line seems to have insulated it from a lot of potential complaints.

Legal actions and lawsuits

There are no outstanding or recently resolved legal actions related to Braintree at this time.

Have you used Braintree for your business? Rate the company at the top of this post and tell us about your experience in the comment section below:

One response to “Braintree Payments Reviews”

  1. Do many people have Braintree accounts? If the number is not large, maybe that explains the low number of complinats? Recently announced redundancies suggests business is not going as well as they might hope.

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