Product overview — Payments & Billing APIs
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Medium
Braintree
Braintree is PayPal's end-to-end payment platform designed for growth, offering card processing, PayPal/Venmo integration, ACH payments, and fraud tools. Uniquely positioned to leverage PayPal's ecosystem while offering standalone payment processing.
Sources linked — see verification below.
Freshness & verification
Who is this best for?
This is the fastest way to decide whether Braintree is in the right neighborhood.
Best for
- Businesses wanting native PayPal and Venmo acceptance
- Merchants with existing American Express merchant accounts (pass-through savings)
- Verified 501(c)(3) charities (2.19% discounted rate)
- Companies processing large ACH transactions (benefits from $5 cap)
- Businesses in PayPal ecosystem seeking integrated solutions
- Growth-stage companies ready for IC+ negotiations
Who should avoid
- Need Venmo outside the United States (not supported)
- Heavy international payment volume (1% + 1% adds up)
- High chargeback rates in your industry ($15 each)
- Require lowest ACH fees for small transactions (0.75% expensive for small amounts)
- Want transparent pricing without 'established business' gatekeeping
- Need advanced fraud tools without per-transaction add-ons
Sources & verification
Pricing and behavioral information comes from public documentation and structured research. When information is incomplete or volatile, we prefer to say so rather than guess.