Stripe Vs Braintree

Stripe Vs Braintree

With online payment systems, goods and services can be sold by businesses and cash-free transactions can also be handled easily by allowing customers to choose a preferred online payment method. Today’s in the digital world, there are many online technologies for paying online. With the help of many online payment applications, users can make hassle-free online payments.

If you are also going to build an eCommerce site, two-sided marketplace, or any other app which includes transactions, you must care about using online payment processing systems.

Today in this article we will discuss the similarities and differences between two processors: Stripe and Braintree and will also compare these two processors in pricing, features, and, most importantly, charge-back management.

This article is also very helpful for those Merchants who are considering switching processors or adopting both of them in order to receive more transactions. Apart from this, with the help of this article, experienced merchants can also review how charge-backs are processed from both payment technologies.

Stripe and Braintree

So, let us know about what makes Stripe and Braintree similar and unique.

Stripe and Braintree – Product and Services

Winner: Tie

All kinds of payments are supported by Stripe and Braintree from directly on a website to inside mobile apps. Both the Stripe and Braintree offer a choice of pre-built and completely customizable payment forms.

Tools for businesses that operate on the marketplace or subscription models are also offered by these companies. We have mentioned the Differences between the two platforms below. You can also get more information about these online payment processors and their offerings by checking out Braintree Payments and Stripe reviews that are given below.

Braintree Payments

All major debit and credit cards from more than 130 currencies are accepted by Braintree and its payment processing and gateway services also support merchants in more than 45 countries. However, merchants can reach customers from all over the world. Apart from this, they are also capable of accepting payments from more payment sources.

Being part of the online payment company PayPal, it makes sense that the integration between the two would be seamless.

Braintree’s SDKs support both Android and iOS for mobile developers and six other languages too. Apart from this, it also supports major payment methods across the globe.

Braintree Supported Programming Languages

Here are the Following Programming Languages Supported by Braintree –

  • Android/iOS
  • .NET
  • Python
  • Ruby
  • PHP
  • Node.js
  • Java

Braintree Supported Payment Types

Followings Payment Types are Supported by Braintree
  • Apple Pay
  • PayPal
  • Venmo
  • Visa Checkout
  • Credit Cards
  • UnionPay
  • Google Pay
  • MasterPass
  • Amex Express Checkout
  • ACH Direct Debit

Braintree Core Features

Braintree classifies its center contributions into four administrations. I like the manner in which they are assembled in light of the fact that it enables better to clarify what Braintree can do for various types of organizations.

  1. Braintree Direct: It includes subscription tools, with the help of Braintree Direct, you can sell directly on your own website.
  2. The Braintree Marketplace: With the help of this tool, you can create your own platform and can also manage the sellers and payouts with automation.
  3. Braintree Auth: Auth” (accepting that is short for Authorization) is Braintree’s foundation for other help organizations to incorporate the Braintree passage into their answers.

With The help of Braintree Auth, these companies can securely access their merchants’ data and take certain authorized actions on their behalf.

For instance, An invoicing organization could utilize Auth to make a mix with their foundation and permit Braintree dealers to interface their records and populate solicitations dependent on information from the client vault. Auth is additionally the apparatus that gives organizations a chance to make it conceivable to install shippers and acknowledge installments locally.

Braintree Extend:

In the past, it was called contextual commerce, Braintree has expanded its offerings here. The Transaction data and the payment checkout is also hosted by the merchant, and it also shares the transaction data with partners.

A seamless, frictionless commerce experience for customers is also created by it and it also helps for keeping them on your site. Extend would be the proper stage for booking locales (inns, carriers, occasion tickets, and so on.) and different organizations that need to engage shippers/accomplices to sell through their site or application

Additional Braintree Features

Fraud Management Tools

This online payment processor Braintree divides its fraud management tools into two levels: One that includes monitoring of AVS, CVV checks, and assessment of risk threshold too. Its advanced fraud solutions require more work to develop, Besides this it also includes a collaboration with Kount, a fraud management service.

Kount Standard is provided free of cost, wherever, Kount Custom can also be implemented when you want more control over payments and risk management policies. However, You should meet all the requirements of Braintree, and it will charge more. Apart from this, Braintree also supports 3D Secure for further verification.

Multi-Currency Displays And Conversions

With the help of Braintree, merchants can display local currency rates, rather than just the default currency of the retailer, which can help attract international sales. Additionally, Braintree will also even convert the currency for you automatically. By reducing the need for conversion, Global companies with operating bases in several countries can connect multiple bank accounts and, help reduce processing costs.

Recurring Billing And Subscription Tools

If you sell software or physical goods, Braintree has some strong recurrent billing and subscription resources. However, with certain specific features, such as invoicing, you may find a shortage.

Account Auto-Updater

With the Braintree Account Auto-Update feature, you will notice reduced failed transactions and canceled subscriptions. Some institutions will automatically update expired and re-issued cards with new card data to ensure continuity.


Braintree provides the control panel with a smattering of standard information, including transaction-level data. Even the agency acknowledges, though, that you are likely to exceed the regular statements. The Reports API of Braintree allows you to produce custom reports based on the criteria you set. And this feature costs nothing at all, unlike Stripe.


Talking about the Integration part, Braintree supports a variety of integrations. These include eCommerce shopping cart software. You can browse available integrations on Braintree’s site.

Stripe Payments

At present, Stripe payments are available to merchants in 25 countries and these include some betas too. If you want to know more about the list of Stripe payments available throughout the world, you can check out Stripe’s Global page. With Stripe, you can actually accept payments from all over the globe. Currently, Stripe supports 135+ currencies.

Stripe’s SDKs also include Android/ios support as well as seven other programming languages. Accepted payment methods depend on the location of the merchant, but in particular, in the EU and China, Stripe supports many popular local payment methods.

Stripe Supported Programming Languages

  • Android/iOS
  • PHP
  • Java
  • .NET
  • Go
  • Node.js
  • Ruby
  • Python

Stripe Supported Payment Methods

There are basically two Stripe’s supported payment methods and they are as follows: universal methods and local payment methods. Whereas Although Braintree focuses on forms of universal payments, Braintree has worked hard to add support to types of payments popular in markets such as the EU and China. Let’s start with universal payment types:

  • Alipay
  • Apple Pay
  • Google Pay
  • Microsoft Pay
  • Amex Express Checkout
  • Masterpass by Mastercard
  • Visa Checkout
  • WeChat Pay

Local forms of payment are only available in the most common areas, in general:

  • Bancontact
  • WeChat Pay
  • SEPA Direct Debit
  • Giropay
  • P24 BETA
  • ACH
  • iDEAL

Stripe Core Features

Talking about the features that Stripe offers, it offers more than 100 features but it is not clear how Stripe defines a feature. Still, with this company, you can do a great deal. Here’s a brief guide to what you can expect:


Stripe Checkout is a pre-constructed method that you can simply drop into your page. But if you are looking forward to getting something more customizable as per your needs Stripe Elements will let you design likewise. With this, you can even build payments into your site or your mobile app.


Marketplace resources from Stripe are definitely among the most competitive out there. With the Connect feature, you can easily build and manage your own platform, including automated payouts to your merchants. The feature also helps in connecting Stripe to other services(For example, building native eCommerce payments software) in the same way as Braintree Auth.


The best feature of Stripe is it offers “Billing” that covers all of Stripe’s subscription, recurring billing services, and invoices. Apart from being powerful, Stripe’s subscription tool also has invoice abilities and the option for metered billing that makes it more useful and unique.

Stripe has also many of the same features as Braintree. In spite of the differences in how these companies market and display their tools. The fact is they are framed and displayed in another way.

Additional Features of Stripe:


One of the best payment service providers Stripes also offers an assortment of standard reporting tools in its dashboard. Generally, When you wish to get more advanced reports, then you’ll need Sigma.


Another additional feature offered by Stripe is Radar, which is a fraud monitoring tool that indicates and identifies suspicious transactions for machine learning.

With this amazing tool of Stripe, vendors can also review and cancel transactions that they know are legitimate, or set custom rules for fraud transactions, with far less hassle than Braintree will see.

If you’re really familiar with fraud management then it is definitely an advantage.

Multi-Currency Displays And Conversions:

As the platform of choice for international businesses, It has spent more time on billing itself by Stripe. By using this additional feature of Stripe, merchants can display rates in local currencies and the currency conversion can also be handled. Apart from this, it also allows its users to connect multiple bank accounts to save money on conversion costs.

Account Auto-Updater:

Save from loss recurrent payments as customers receive new cards. Stripe will update the card data in your vault automatically to ensure the continuity of subscriptions.


The most popular payment processor Stripe has over 300 integrations with all types of other software and services that may be needed by the business. For some vendors, the sheer number of supported integrations could be a significant advantage. On the “Works With” section of Stripe, You can also browse by category.

However, these two online payment processors are very similar in most regards, but in many of the facts, they differ from each other like the fact that Stripe is a third-party processor while Braintree issues traditional accounts for merchants. Or the fact that Stripe has integrations that are far more ready to go than Braintree.

The pricing model of Braintree is also much easier and will save money from vendors than Stripe, which now charges merchants for access to many of its advanced tools.

The pricing info of Stripe Vs Braintree is listed below.

Pricing info of Stripe Vs Braintree

Winner: Braintree

Pricing info of Stipe

The simple and straightforward pricing scheme is offered by Stripe and the best thing is that it has no setup or monthly fees. When the services are used then you only have to pay. It charges on a flat-rate pricing model. The flat fee for each transaction is 2.9 percent, plus an additional 30 cents for each sale. It also accepts credit and debit cards.

It also provides an Enterprise package that is focused on a price quote. For more information, please contact the vendor.

It charges 15$ for disputed payments. And when the customer’s bank resolves it in your favor then the whole fee will be refunded.

Pricing info of Braintree

Fixed enterprise pricing packages are not offered by Braintree. It charges users for each processed transaction.

  • The flat fee for each transaction is 2.9 percent and 30 cents.
  • An extra 1% of the charge applies to non-home currency transactions.
  • A flat $15 fee is assessed for chargebacks.
  • Braintree provides discounted rates to eligible nonprofits 2.2% plus $.30
  • For business processing over $80k per month, It is also available on discounted rates and interchange.
  • Discounted rates and interchange plus pricing are available For business processing over $80k per month.

Where Stripe Wins in the Stripe vs. Braintree Debate

In most aspects, Both online payment platforms are fairly comparable. A great set of tools are offered by these two companies, Both help businesses to expand their eCommerce activities and delivers a tech-centric experience which works great for developers, and also gives vendors the ability to easily collect payments.

You can’t go wrong with one of the platforms because there are some little differences between the two that could help you to decide which one is good for you.

Especially in terms of marketplace and subscription support, the best-in-class tools are provided by Stripe for retailers. Additionally, Stripe is a popular and reputed brand providing a sense of security that can go a long way when you are trying your luck in the eCommerce field.

Stripe provides you plenty of space to integrate the system and host custom uses as well.

Apart from this, Stripe makes it easy to accept international transactions and supports the usual payment methods too that you’d expect around the world—like credit cards—Stripe also offers transactions through WeChat Pay and Alipay.

However, such advantages come at a cost, because Stripe pays small fees if consumers use certain products. If the advantages of industry-leading innovation outweigh escalating charges, Stripe can easily be the perfect PSP for you.

Where Braintree Wins in the Stripe vs. Braintree Debate

Stripe offers a great user experience to its customers. However, in most cases, It is more expensive than Braintree. Users are allowed to use certain parts of the platform or analytics tools without any extra fees on Braintree.

The service also comes with no upfront fees or recurring monthly fees, making it an attractive choice for small businesses that may not consistently hit those transactions or financial targets each month. With delivery facilities, Braintree charges one standard flat rate, and the rest comes as part of the deal.

Another important difference between Stripe vs. Braintree is how each company handles its customer transactions. Each vendor has its own merchant account on Braintree, which means, actions are handled independently.

Braintree assigns each of its vendors with their merchant account, which means that their actions on the system are independently handled. On the other hand, Stripe, aggregates payments, when making payments and puts vendors together. With respect to this, Braintree provides a more stable environment for its customers, as there is less risk that an unrelated vendor problem will snarl your own payment ability.

Stripe vs. Braintree: The last word

It’s almost difficult to pick a clear winner in the Stripe vs. Braintree debate. Both online payment processors provide their customers with a variety of customization options, hundreds of nifty, excellent technical services, and must-have features, and customer support as well.

Each of the platforms is good at managing domestic transactions and is also highly comparable to international trade. However, whether you are operating with Stripe or Braintree, you can rest assured that your current site design is likely to work with either platform. The only real way to choose a Stripe vs. Braintree winner is to go with your gut. Whatever platform you use, make sure you do your homework and check as many of them as you can.

So, friend, ‘s I hope this information about Stripe vs Braintree is useful to you for which is best suitable to your business… for more updates please stay connected with TechWebTrick and you have any questions please comment below.

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