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The Complete Guide to Stripe vs Braintree and How They Can Help You Build An Ecommerce Business

Discover which payment gateway is better - Stripe or Braintree?

Braintree vs Stripe

Last updated on March 27, 2023

Choosing a payment processor and a gateway is a big business decision. It’s crucial to pick a reliable solution so you don’t run into issues down the road. Stripe and Braintree are two of the most popular digital payment platforms out there! Check out Stripe and Braintree comparison here.

But when it comes to the Stripe vs Braintree showdown, which one is better than the other? That’s what we’ll find out in this post.

Excited? Let’s dive in!

Introduction: A quick comparison of Stripe vs Braintree

Stripe is a payment processing company that offers credit card processing services to businesses. It was founded in 2010 by brothers Patrick and John Collison. Stripe provides the software and infrastructure that power the payments for thousands of companies around the world.

Braintree is a payment gateway company that specializes in accepting payments online, through mobile devices, and in-person with a mobile device or contactless card reader. Braintree was founded in 2007 by Bryan Johnson, who also co-founded PayPal with Max Levchin and Peter Thiel.

Stripe is more suitable for companies who need to process credit cards on their website or e-commerce stores because it has an API where developers can integrate it into their system easily. On the other hand, Braintree is better suited for startups

What are Payment Gateways?

The payment gateways are the payment services that help to perform authorized online credit card or direct payments. As usual, payment gateways are the intermediaries between a merchant and a customer.

In the past, many merchants would have to maintain their own payment gateway for accepting payments from customers. But nowadays, it is more common for merchants to use third-party providers like Braintree or Stripe as their primary gateways.

What exactly is Stripe and Braintree?

Stripe and Braintree are two of the most popular payment processing services. They process over $100 billion in transactions per year.

Stripe is a company that provides online payments for companies that are looking for an alternative to PayPal or Google Pay. Stripe offers a suite of tools and APIs that can be integrated into any website. It also has a developer platform that provides access to the Stripe API without any need for coding knowledge.

Braintree is a mobile payments company which allows merchants to accept credit card payments from customers on their websites, apps, and other devices through one single integration with Braintree’s system. It also offers features like recurring billing, gift cards, and other features which make it easy for businesses to accept payments on their website or app.

Stripe & Braintree pricing

When it comes to fees, Braintree and Stripe are virtually identical. Most major credit cards, debit cards, and digital wallet providers are accepted by both.

The only difference between the two companies is that Braintree charges a $0.30 per transaction fee while Stripe charges 2.9% plus $0.30 per transaction fee.

Micropayments are transactions that cost less than $1.00, and they can be a great way to provide incentives for your customers to spend more money. It is surprising that neither Braintree nor Stripe provide specific rates for micro transactions.

But let’s dive deeper.

There are no hidden fees or transaction costs associated with either of these companies.

Stripe price

Stripe does not charge a processing fee for the first $1 million processed annually. You are responsible to pay any fees that exceed this limit. You can view and share the information you see on your bank statement from your Stripe account by logging into your account and selecting “Account Info.”

Again, the standard fees apply to most major credit cards, Apple Pay, and other digital wallets.

Funds can be transferred back to the card account after a given period of time. For example, if a credit card company charges 3%, it will charge an additional fee of $9.84 per transaction, so that a total transfer fee is $13.78 in that case. A penalty or handling fee may be added as well at the rate of $

General fees: 2.9% + $0.30 for all credit cards and payment methods.

  • +1% For non-US currencies, +1% for credit cards from outside the US.
  • 0.80% for ACH payments capped at $5.

Braintree price

Braintree offers monthly subscriptions that include a number of credit limits and other features, such as guaranteed credit, extended payment terms and return guarantee.

However, if you are using a prepaid card like Visa debit or prepaid card to fund your account, you will have to pay a little more. How much is it? The fee for each transaction varies depending on the type of account, with PayPal and its credit cards charging the most. This can be seen on the bottom right side of their.

If you are going to pay in another currency, please be sure to convert it into US dollars at the current exchange rate.

General fees: 2.9% + $0.30 for all credit cards and payment methods.

  • +1% For non-US currencies, +1% for credit cards from outside the US
  • 0.75% for ACH payments capped at $5

Stripe & Braintree features compared

Stripe Braintree
Credit Card Processing
ACH Processing
Developer Tools
Regional Payment Method Support X
PayPal Integration X
Marketplace Solutions ✓(Stripe Connect, basic features included with an account, advanced features cost $2/month plus 0.25%+$0.25 per payout) ✓(Braintree Marketplace, included with account)
Advanced Security ✓(Stripe Radar, included with standard accounts, otherwise $0.05 per screened transaction) ✓(3D Secure)
Loans X

What is the difference between Stripe and Braintree?

Stripe is a company that offers the ability to accept payments online and in-person through credit cards, debit cards, Apple Pay, and Bitcoin. Braintree is a company that offers an online payment service for merchants to process credit card transactions.

Both Stripe and Braintree offer the same services for accepting payments. The only difference is that Stripe does not have an option for processing credit card transactions in-person while Braintree does.

How to choose which is the best Online Payment Gateway for your business?

Choosing the right payment gateway is crucial for your business. There are many factors to consider and it is not an easy task. We have created this guide to help you choose which online payment gateway is best for your business.

Payment gateways are the central points of contact between businesses and their customers, facilitating the process of collecting payments from customers and depositing them with a financial institution or other service provider.

There are many payment gateways out there that offer different features and prices.

The most popular ones include PayPal, Google Wallet, Square, Stripe, Braintree (owned by PayPal), Authorize.Net (owned by CyberSource), Worldpay, Payoneer (owned by Vantiv), WePay, Moneris (owned by Canadian)

Ideas for ways that Stripe and Braintree can help your ecommerce business grow

Stripe and Braintree are two of the most popular payment providers for ecommerce businesses. They offer a variety of tools that can help you increase your customer base and sales.

This is a list of ideas for ways that Stripe and Braintree can help your ecommerce business grow:

  • Offer discounts to customers who use their services
  • Allow customers to purchase products with cryptocurrencies
  • Provide more customer support in the form of live chat or email

Braintree and Stripe alternatives

Stripe and Braintree are the two most popular payment processors for ecommerce, but they’re not the only game in town. If you’ve been looking for a new way to process payments, here are some other options to consider.


Square is an easy-to-use payment platform with flat processing rates for small businesses. If you have a small brick-and-mortar business, then it offers incredible POS hardware and infrastructure.

Square is something of a rising star in the eCommerce world. Although they are secondary to Stripe and Braintree when it comes to international reach, Square has some innovative features that make them worth considering.


Many companies offer merchant accounts and payment options. But when it comes to interchange-plus pricing and individual merchant accounts, Helcim is the best option. While this model isn’t ideal for low-volume businesses, it’s one of the best for mature businesses. Helcim offers a low transaction fee for all the transactions you need to make. As your business grows, this company’s fees can grow with you. For example, if your volume of transactions goes up to $500 per month, so does the cost of your transaction fee – to just 1%!

Helcim is a payment provider and financial services company. They offer a range of services including international money transfers, business banking, personal loans, savings products and more. They have reached over 10 million customers in over 100 countries worldwide.

Conclusion: Should I use one over the other? When should I choose Stripe or Braintree?

One of the most common questions that a lot of people have is whether they should use Stripe or Braintree. There are some factors to consider when deciding which one to use.


  • It is an online payment gateway that provides a solution for collecting payments on eCommerce sites.
  • It is best used for businesses who want to collect money from customers.
  • It has a wide range of features and plugins that can be added onto the system including, but not limited to, recurring billing, subscription management, and fraud protection.


  • This company was acquired by PayPal in 2013 and it specializes in mobile payments.
  • The company’s main focus is on providing developers with the tools they need to make it easy for.
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