Braintree
E-commerce businesses and SaaS companies needing a developer-configurable payment stack. Supports PayPal, Venmo, Apple Pay, Google Pay, and 130+ currencies.
Flat 2.59% + $0.49/transaction with no monthly fee. Negotiate rates if you process over $80K/month. Technically powerful but setup complexity is a real barrier for SMBs.
Brick-and-mortar retailers — no POS equipment. Non-technical teams — API integration requires developer time. Better for established businesses than first-time payment setups.
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FIRST-HAND READS
What people reported, in their own words. Every line links to where it was said.
“Braintree support, after a week or two, would inquire and either tell me it's the customer's bank (not helpful), or tell me that I have to rewrite my integration to a New Way of Doing Things, which was usually so far off the mark for my use case it wasn't even funny”
NEGATIVE · support · Hacker News · 2025-11-26
“inflexible subscription system * unreliable web component for gathering credit card information * unreliable 3DSecure implementation * incompetent support (these four are the main reasons why I switched from Braintree to Stripe)”
NEGATIVE · reliability · Hacker News · 2025-11-26
“migrated at around that time to storing only a token, using our payment processor (Braintree at the time) - and no longer kept any card numbers in our database whatsoever”
POSITIVE · features · Hacker News · 2025-05-20
“Braintree handles them all with world pay as our gateway and PayPal works with everything. It's honestly more complex than we like”
LUKEWARM · features · Reddit · 2025-04-18
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