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What is Braintree?

Braintree is a full-stack payments platform that makes it easy to accept payments in your app or website. Our service replaces the traditional model of sourcing a payment gateway and merchant account from different providers. From one touch payments to mobile SDKs and foreign currency acceptance, we provide everything you need to start accepting payments today.

Who can use Braintree?

All kinds of organizations use Braintree to accept payments in mobile apps and websites. From startups in garages, to not-for-profits, to some of the largest online retailers, we have more experience working with new business models than any other payments provider. However, due to legal and regulatory compliance reasons, we are unable to work with some business types. More information is available in our Acceptable Use Policy.

What kinds of payments can I accept with Braintree?

Merchants in the US can use Braintree to accept PayPal, Apple Pay, Android Pay, Venmo, Bitcoin and most credit and debit cards, including Visa, MasterCard, American Express, Discover, JCB and Diner’s Club.

How long will it take to get a Braintree account?

Most merchants in the United States can start using Braintree immediately after filling out our signup form. In some cases, we’ll need to gather some additional information before you can start processing. If that happens, we will be in touch within one business day.

How soon will I get my money after the transaction is processed?

For US merchants, Visa, MasterCard, and Discover transactions are deposited into your bank account in 2 business days. American Express transactions are typically deposited in 4 days or less.

Do you offer data portability?

Yes. Your data belongs to you. We’re confident you’ll love the service you get from Braintree, but if you ever need to leave, you can easily take all of your customer data with you. Braintree pioneered data portability and we work to earn your business every day.

Can Braintree help protect against fraud?

Yes. Braintree includes sophisticated fraud protection for merchants of every size, at no additional cost.


How long does it take to integrate with Braintree?

An experienced developer can complete a basic integration with Braintree in less than half an hour. Of course, integration times can vary significantly depending on the project’s complexity and the developer’s experience level.

What languages do you support?

On the client side, we have a Javascript library for mobile and desktop web, plus mobile SDKs for iOS, Android, and Windows Phone. On the server side, we have libraries in six languages: Ruby, Python, PHP, Java, Microsoft .Net, and Node.js.

Can I use Braintree with my shopping cart, billing, or ecommerce platform?

Yes, Braintree works with most of the leading e-commerce and billing platforms, including Bigcommerce, Shopify, Magento and Wufoo. See the complete list on our Partners page.


How much does it cost to use Braintree?

Our standard price of 2.9% + $.30 per transaction includes all of our great features, and unlimited access to our support team. There are no monthly fees, and you only pay for what you use -- there’s no minimum transaction processing amount. Visa, MasterCard, American Express, and Discover are all included at the same rate.

I'm stuck with my current merchant account - can I still use Braintree as a payment gateway?

Yes. Most of our clients choose the simplicity of our full-stack payments offering. However, our payment gateway is compatible with most US merchant accounts - $49/month and $.10/transaction. Contact us for more information.

What are the charges for PCI compliance?

Nada. When you have a merchant account with us, we provide free PCI compliance validation through our partner, Security Metrics.

Are there any fees I could be charged?

The only fee you might see is if you incur any chargebacks (i.e. a customer disputes a charge). In that case you will be charged $15 for each chargeback incident.

What if I have to issue a refund?

If you issue a full refund, Braintree will return the fees from the original transaction. We do not return fees on partial refunds, but there is no additional cost to issue a partial refund.

Is volume pricing available?

Processing more than $80K/month? Email sales@braintreepayments.com

Unfortunately, we’re unable to offer special rates for non-profits and micro transactions.

Can you tell me more about the 'Make $50K. Keep $50K' pricing deal?

Sure. When you're a developer who integrates directly with Braintree, we'll cover the fees on your first $50K of sales. That means no transaction fees, no interchange costs, and no catch. After your business crosses the $50K threshold, our standard 2.9% + $.30 per transaction rate applies. But for your first $50K, you won't be charged a cent (though chargebacks will still incur a $15 fee). If you're a merchant who integrated via a Braintree partner, please check with them on potential availability.

Is there an expiration date for using the $50K?

No. The free pricing will apply as long as your business is processing less than $50K gross transaction volume.

What rate will be charged after my business crosses $50K in processing?

Your pricing will automatically switch to 2.9% + $.30 per transaction once you have crossed $50K in gross transaction volume.

Does this apply to businesses outside the US and EU?

No. For now, this offer is available only to US and EU-based businesses. But someday soon we hope to offer a program for businesses located elsewhere.


Do I need a PayPal account to accept PayPal payments through Braintree?

Yes you do need a PayPal Business Account. You then link that account to Braintree through the control panel.

What does it cost to run PayPal transactions through Braintree?

Braintree will not charge any fees for PayPal transactions. You will however pay whatever PayPal fees you have negotiated directly with PayPal.

Will my customers need to leave my site to sign onto PayPal?

No. When your customer clicks on the PayPal button it will display a lightbox or pop-up that overlays your page and will automatically close on completion of the flow.

Can I set up PayPal for recurring payments?

Yes. By using the default future dated payments flow you can store the PayPal account in the Braintree vault and use it for one-off payments or a subscription plan.

Can I store PayPal accounts in the vault like I do with credit cards?

Yes, by using the vault flow you can store the PayPal account in the Braintree Vault and use it for one-off payments or a subscription plan.

Can I test PayPal in the Braintree Sandbox?

Yes, and you do not need a PayPal account to do so. Just follow the PayPal integration guide and you can see how PayPal will work in your checkout flow in just a few minutes.

Can you void or refund a PayPal transaction through Braintree?

Yes. All actions are available through the API or via the Control Panel just as they are for credit cards.

Can buyers select a payment method and shipping address to use when paying with PayPal?

Yes, buyers have the option to choose or add new payment methods and shipping addresses in their PayPal account during checkout.

How are disputes for PayPal transactions managed?

Disputed PayPal transactions are managed within PayPal's Resolution Center, which can be found in your PayPal Console.

Apple Pay™

How does it work?

Apple Pay encrypts any credit/debit cards added to the passbook app on supported Apple devices. Apple Pay assigns a device-specific tokenized credit card number called a DPAN that Braintree will use to process transactions securely.

Which currencies does Apple Pay support?


What accounts do I need to have?

In order to process with Apple Pay, merchants need to have a v.zero integration with Braintree, have an Apple Pay Merchant ID and certificate, and need to use Wells, Chase, AmEx Direct, or AIB as the processor.

What are the fees?

There will be no additional fees beyond the standard 2.9% + $.30. Volume pricing is also available.

Which card types are supported?

Visa, MasterCard, and American Express are supported in the US and UK, but Apple Pay in CA and AU is currently exclusive to American Express; both credit and debit cards from most major issuing banks are supported everywhere Apple Pay is.

Who is the merchant of record?

As the seller, you will be the merchant of record for the purchase.

How will I identify Apple Pay payments in the Control Panel?

Apple Pay cards will appear as a new payment instrument type with its own logo.

Is there a new statement/reporting for reconciliation?

There will be no new statements; they’ll appear on your statement the same as regular credit card transactions. Note that the Settlement Batch Summaries separate them out as different card types. Ex: Apple Pay - MasterCard, Apple Pay - Visa, Apple Pay - American Express.

How are disputes handled?

There will be no change to disputes or chargebacks due to Apple Pay. They’ll look and behave just as they always have depending on your account setup.

Is recurring billing supported?

Yes, Apple Pay cards can be used to process recurring transactions.

How does fraud checking (AVS/CVV) work with Apple Pay?

CVV and AVS are not supported for use with Apple Pay.

Coinbase [Beta]

What are the benefits of accepting bitcoin via Coinbase?

Reach: By integrating v.zero with Coinbase into your application, you gain access to over 2 million consumer bitcoin wallets.

Ease of integration: v.zero and Braintree make it very convenient for you to quickly integrate bitcoin acceptance into your application while tying in with your existing Braintree payment processing and reporting.

What platforms does Braintree support for Coinbase?

You’ll be able to integrate Coinbase for websites, iOS, and Android using our v.zero SDK.

Am I able to accept bitcoin in my corner of the world?

Coinbase is available in these 32 countries.

How much does it cost to accept bitcoin through Coinbase?

Your first $1,000,000 in Coinbase processing is free. After that, the standard Coinbase fee is 1% to exchange bitcoin into regular currency such as USD or EUR. Braintree does not charge fees for processing transactions that come through Coinbase.

Please be aware that Coinbase passes along a $0.15 fee for each batch disbursement to your bank account. This $0.15 fee may also be imposed in certain refund scenarios detailed below.

What will the checkout process look like for consumers?

When it’s time for a consumer to check out with Coinbase for the first time, an option to pay with bitcoin will be displayed alongside your existing payment methods. If the consumer chooses bitcoin/Coinbase, they will be connected to Coinbase using a pop-up which requires them to sign in with their Coinbase wallet credentials (similar to PayPal). After successfully authenticating, they will be redirected to your site and shown the amount in the transaction currency alongside their Coinbase wallet ID. Once the user successfully submits the transaction, the bitcoin will be transferred from their wallet to yours.

When the consumer returns to your site for future transactions, they won’t be required to log in as we will have vaulted their Coinbase credentials -- similar to if they had saved a credit card or PayPal account with us.

How can I accept bitcoin payments safely if the price might be volatile?

By enabling instant exchange through Coinbase, you can mitigate the risk of bitcoin volatility. Instead of receiving and keeping bitcoin payments in your Coinbase account, they can be instantly exchanged to your local currency in the amount of the original transaction, less Coinbase fees.

I have multiple Braintree merchant accounts for multi-currency. How does that work?

As a merchant, you can initiate transactions in any currency that Braintree and Coinbase both support. Coinbase handles converting the transaction currency amount into BTC and transferring that amount of BTC into your wallet.

However, you will not be able to be paid out in multiple currencies. You will only be paid in the home currency of your Coinbase account.

We capture funds separately from our initial authorization. How does this flow work with Coinbase, and is there a timeline under which an authorization expires?

The auth/capture flow is similar to how it works with PayPal and other wallets we support. Authorizations are currently set to expire after 7 days. When a transaction is initiated via Braintree, a hold is placed on the customer’s and merchant’s accounts. When the transaction is submitted for settlement, it is immediately transferred.

How do refunds work?

Refunds work similar to how they work with credit cards through the Braintree API or Control Panel. You can refund up to the original amount of the original transaction, and the refund will be made in the original currency, regardless of how the price of bitcoin has moved.

What if the price of bitcoin fluctuates between the purchase date and the refund date?

No matter how the refund is funded, the customer will be getting a different amount of bitcoin depending on the prevailing exchange rate, while you, as the merchant, are unaffected by fluctuations in the rate.

Where do the funds come from for each refund?

Funding a refund can occur in a few different ways:

a. If you have enough Bitcoin in your wallet to cover the full amount, the refund will deducted from there and occur immediately.

b. If you do not have enough funds in your wallet to cover the refund amount, Coinbase will attempt to deduct the refund amount from your next pending disbursement.

c. If you do not have enough bitcoin in your wallet or your next pending disbursement to cover the full refund amount, Coinbase will purchase Bitcoin to cover any outstanding amount on your behalf. In most cases, this will also result in an additional ACH fee.

What is the process for chargebacks and disputes?

Immediate confirmation and instant settlement work to make chargebacks and disputes a non-issue.

How will I receive funds and how quickly?

As part of the setup process, you will need to link your bank account information to your Coinbase wallet. Funds will be transferred via ACH directly from Coinbase. Generally, Coinbase passes along their ACH fee for each batch disbursement to your bank account.

Will Coinbase be compatible with Marketplace?

Not currently. As we continue to explore deeper integrations, this is something we may support in the future.

What sort of fraud protection is available for Coinbase transactions?

Braintree's fraud tools (including advanced fraud protection through Kount) do not currently apply to Coinbase transactions. Fraud protection will be managed by Coinbase. For more information on their fraud protection, you should contact Coinbase directly.


What is the drop-in integration?

You can integrate with v.zero in two ways: drop-in or custom. Drop-in integration is quick and easy: add a full-featured checkout to your app or site with only a few lines of code, and turn on PayPal support via the Braintree Control Panel. Custom integration is flexible: build your own checkout page and accept PayPal with a few extra lines of code.

What if I want to customize the checkout to match the look and feel of my app or site?

With the custom integration, you can use your own payment form for credit card acceptance.

Once I integrate the snippet of code into my app or site, can I start accepting payments?

To accept payments, you’ll need to sign up for a production Braintree account.

I’m an existing Braintree merchant. How do I upgrade to v.zero?

The Upgrade Guide explains how to use v.zero.

What if I want to only accept PayPal?

The v.zero SDK allows you to display a PayPal button on your site or in your app.

Do I have any control over the updates or do they just happen?

You can configure your drop-in form from the Braintree Control Panel. Configuration options include accepting PayPal, and prompting your customers for card information based on your AVS rules.

Do I still need to do maintenance?

Yes, occasionally you will want to upgrade your integration to take advantage of new features. Our goal is to minimize this effort and make the maintenance as easy as possible.

In what countries are the v.zero SDKs available?

The v.zero SDKs are available worldwide. Note, the SDKs are english-only today.

PayPal One Touch™

What is PayPal One Touch™?

PayPal One Touch™ is our fastest way for your customers to check out on mobile. They will be required to log in only once; after that, they can instantly complete future purchases across apps with a single press of the PayPal button. They don’t even need to have the PayPal app installed.

Who can use PayPal One Touch™?

Any customer with a PayPal account can pay via PayPal One Touch™.

How do I add PayPal One Touch™ to my app?

PayPal One Touch™ is included in v.zero. See our API Docs for more information on how to configure PayPal One Touch™.


What is Braintree Marketplace?

Marketplace is the part of the Braintree payments platform that enables you to split payments from customers between your marketplace and your sellers or providers.

Who can use Braintree’s Marketplace?

Marketplace-style companies based in the US, who are splitting payments with US sellers or providers. Marketplaces are platforms that bring buyers and sellers together. Sometimes they are described as collaborative consumption or sharing economy businesses. Some well-known examples include Airbnb, TaskRabbit, and Uber. If you're unsure if your business is a good fit for Marketplace, contact our sales team.

How much does Braintree Marketplace cost?

It’s free for Braintree merchants. You’ll pay 2.9% + $.30 when the customer makes their purchase, but we don’t charge for distributing the funds to you and your sellers.

Can Braintree help with tax forms?

Yes, Braintree will generate 1099-K tax forms, as required by the IRS. You’ll need to distribute these to your sellers and providers after the end of the year.

Can Braintree help me escrow funds?

Braintree does not escrow funds. However, you may configure Braintree Marketplace to hold the payment with our banking partner until you decide to disburse the funds to your providers. At disbursement you will receive your fees and your provider will receive their portion of the payment. If you don’t need to hold the payment, you can configure the funds to disburse as soon as they are available.

What are the advantages of using Venmo to pay sellers?

With Venmo, all you need to pay out to your sellers and providers is their email address or mobile phone number. There is no need for you to collect and verify the user’s bank account numbers when they sign up for your Marketplace - those intricate details are handled by Venmo. Plus, your sellers can get their funds one business day after the transaction settles (it usually takes two business days to pay out directly to a bank account). Your sellers can send funds from their Venmo account to their bank account using these simple instructions.

Who is responsible for the relationship with the customer?

You maintain the relationships with the customers of your marketplace, and Braintree will be there to support you every step of the way. That means that you will work directly with your customers to provide refunds and handle any chargebacks or disputed charges. You’ll also be responsible for knowing who your sellers are, and ensuring that they deliver products/services that don’t break any laws. Braintree will back you up with all of the reports and information you need to support your customers.

What information do I need to collect from my sellers and providers?

We only need a few pieces of information about the seller, so we can verify their identity: name, address, email, and date of birth. You may already be collecting most of this information from your sellers. Additionally, you will need to collect bank details if you wish to pay out to a seller’s bank account, and tax ID (i.e. Social Security Number) if they are going to sell enough to need a 1099-K tax form.

Do my sellers or providers need to accept an agreement with Braintree?

Yes, your sellers need to accept our merchant agreement. However, we make it easy by providing a short passage that you can just add to your marketplace’s Terms of Service, which your sellers accept. Just add this language to your Terms of Service and replace [MSP] with your marketplace’s name.

Recurring Billing

Can I use Braintree for recurring or subscription billing?

Yes, Braintree offers recurring billing tools that take the pain out of billing for SaaS, media subscriptions, recurring donations, and other cyclical billing. You can store your customers' payment information securely in the vault, and Braintree automatically handles each billing cycle.

What happens if a recurring transaction fails?

You can customize your retry logic and Braintree will use those settings to automatically retry past-due subscriptions. You can also create custom emails to automatically notify customers of failed transactions and past-due charges. These features are sometimes referred to as “dunning” management.

Can I create coupons or promotional periods in my pricing plans?

Yes. You can use Discounts and Add-ons to create promotional periods or rewards for your best customers. Set custom beginning and ending dates for your plans, customize exactly when and for how long you want the billing cycle to last. You have the flexibility to create pricing plans that work for your business.

What happens if a customer switches plans mid-cycle?

Your customers can change their subscription service in the middle of a billing cycle, and Braintree will automatically prorate the charges. However, the billing cycles need to be the same (e.g. monthly to monthly or annual to annual).

Can Braintree push notifications to my server when there is a change in subscription status?

Yes. You can configure webhooks to provide you with instant awareness of the current state of a subscription, and to notify you when significant events occur, such as subscription renewals.


Is Braintree available in my country?

Braintree is available for merchants in the United States, Canada, Australia, Europe, Singapore, Hong Kong, Malaysia and New Zealand. In legal terms, you have to be domiciled in a supported country.

We are working hard to bring Braintree to other countries. If you would like to be notified when Braintree is available in your country, join the mailing list.

What does it mean to be “domiciled” in the United States, Europe, Australia, Canada, Singapore, Hong Kong, Malaysia or New Zealand?

Your business must operate out of a US, Canadian, Australian, Europe, Singapore, Hong Kong, Malaysia, New Zealand-based office. You must also have a bank account with a US, European, Australian, Canadian, Singapore, Hong Kong, Malaysia or New Zealand-chartered bank. The location of your customers has no affect on where you are domiciled.

What currencies can I accept?

Merchants can accept payments in over 130 currencies. Braintree will convert and deposit funds in USD for a 1% fee. Contact us for the most up-to-date list of foreign currencies and for more information about presenting transactions in multiple currencies.

What currencies can I settle in?

By default funds will be deposited into your US bank account in USD, however we can arrange to settle in any of the 13 currencies listed below. Contact us to request a custom setup.

  • AUD - Australian dollar
  • CAD - Canadian dollar
  • DKK - Danish krone
  • CHF - Switzerland francs
  • EUR - European Union euro
  • GBP - British pound
  • HKD - Hong Kong dollar
  • JPY - Japanese yen
  • NOK - Norwegian krone
  • NZD - New Zealand dollar
  • SEK - Swedish krona
  • USD - US dollar
  • ZAR - South African rand

Contact us for more details regarding settlement currencies.

What are your support hours?

Our support covers an extended business day for US and Canadian merchants:

Email: 5am to 8pm US Central Time, Monday through Friday
Phone: 9am to 5pm US Central Time, Monday through Friday

Of course, we offer emergency support via email 24x7x365, and have support reps and engineers on-call at all times.

PCI Compliance

Do I have to be PCI 3.0 compliant?

Yes. Anyone who accepts credit card payments needs to comply with latest PCI DSS rules. Any payments company that tells you otherwise isn't telling you the whole story. Fortunately, Braintree eliminates almost all of the work required for our merchants to be PCI 3.0 compliant. Which is good news, because the card associations can suspend your ability to accept credit card payments if they find that you aren't compliant.

What do I need to do to become PCI 3.0 compliant?

The simplest way for merchants to become compliant is through the use of our drop-in UI or, for a more customizable experience, v.zero with Hosted Fields. It only takes a couple of steps. First, integrate with Braintree using Braintree.js or one of our mobile SDKs and store your customers' payment information in the vault. Second, fill out our Qualified Security Assessor's (QSA) online questionnaire at no charge.


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