Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Stripe vs. Braintree
Compare pros, cons and overall reputation to make the right choice for your business.
Trying to decide between these two payment processors? Stripe is best for companies that need a quick sign-up process and strong customer service, while Braintree — owned by PayPal — has fewer extra fees.
How do Stripe and Braintree compare?
Stripe and Braintree both offer a fee of 2.90 + $0.30 for debit and credit cards processed online, so your cost per transaction for digital sales will be the same. Both are also good choices for global sales, as they each support currency payments in more than 130 currencies.
Otherwise, here’s how they stack up:
Which should I choose?
Choose Stripe if you’re a small business that needs to sign up and start accepting payments ASAP.
Choose Braintree if you’re a developer looking for straightforward pricing and a no-frills approach to payment processing.
A good option for companies that don’t mind using Stripe’s third party payment aggregator, rather than their own merchant account.
You can choose between using a prebuilt solution or Stripe’s customizable API. But it doesn’t accept PayPal.
Braintree is meant for experienced coders who need a payment gateway and individual merchant account to facilitate payments made on an app or online storefront.
It’s not meant for business owners with a physical storefront, though it can be used with PayPal’s hardware for in-person payments.
Price starts at
2.9% + 30¢ per successful card charge
2.9% + $0.30 per transaction
2 business days
2-3 business days
High-risk merchants accepted?
BBB letter rating
Reputation and customer reviews
Stripe has mixed reviews on Trustpilot and the BBB. Customers note:
Braintree generally has poor reviews on Trustpilot and the BBB, with customers complaining about:
That said, Braintree has a more positive reputation in business chat forums like Capterra and Reddit.
Email and phone number aren’t publicly available, though you can access this information through the help portal after signing up.
Stripe and Braintree are both comprehensive online payment processing solutions. The choice may ultimately come down to whether you want your own merchant account or are OK with Stripe’s third-party aggregated account — though be sure to read the full reviews for each before signing up.
If neither provider is quite right for your biz, compare other payment processors to find a better match.
Frequently asked questions
Which has lower fees for international payments?
Stripe and Braintree charge the same fees for international payments — 1% fee for accepting international credit cards and 1% fee for currency conversion.
Which accepts AliPay?
Stripe accepts AliPay — Braintree does not.
Which has a cheaper chargeback fee?
They have the same chargeback fee, at $15.
More guides on Finder
Best bank accounts for freelancers and the self-employed
Compare the five best bank accounts for self-employed professionals and freelancers.
Everlywell COVID-19 test kit review
Get your results within two business days, and book a free telehealth consult if you test positive.
How to start a cleaning business
From making a business plan and getting insurance to marketing and setting your prices — here’s how to start your own cleaning business.
Mercari review: How it works, pros, cons and more
Is Mercari the best secondhand app to buy or sell your goods? See Mercari pros and cons, reviews and complaints and general FAQs to decide.
Should you sell on Poshmark or Tradesy?
Compare pros and cons of selling on Poshmark vs. Tradesy to help you get the most for your secondhand clothing, shoes and accessories.
Walmart announces new at-home return process
Make a Walmart return without ever leaving your home.
Wise Loan review
Wise Loan may be an expensive choice, but it’s upfront about its costs.
Medici review May 2021
Chat with your regular doctor, specialist or therapist via text and video with this app.
Stripe Capital review
A quick way to finance your business — but with no upfront details about cost.
Features and drawbacks to consider before you invest through Yieldstreet.
Ask an Expert