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Frequently Asked Questions


  • 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 single-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.
  • Where in the world is Braintree available?
    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 to use Braintree, but no matter where on the planet your buyers are, we’ve got you covered. From multi-currency presentment to settlement to everything in between, we can help you grow and eventually go global if that’s the right path for you.
  • 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?
    Some merchants can start using Braintree immediately after filling out our signup form; in other 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 usually deposited into your bank account in 2-3 business days. American Express transactions are typically deposited in 3-5 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.
  • What are your support hours?
    Our support covers an extended business day for US and Canadian merchants:

    Email: 5am to 12am US Central Time, Monday through Thursday
    5am to 8pm US Central Time, Friday

    Phone: 8am to 7pm US Central Time, Monday through Thursday
    8am to 5pm US Central Time, Friday

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


  • What is the drop-in integration?
    You can integrate with Braintree through one of two methods: via our Drop-in or Custom UI. Our 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 my checkout to match the look and feel of my app or site?
    With our Custom integration, you can use your own payment form for credit card acceptance. And with Hosted Fields, you can still leave the burden of PCI compliance to us.
  • 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 with an older integration; How do I upgrade and take advantage of the most up-to-date features?
    The Upgrade Guide explains how.
  • What if I want to only accept PayPal?
    PayPal offers an Express Checkout integration via our latest SDK that allows you to display just a PayPal button on your site or in your app.
  • Will I need to do continued maintenance?
    Occasionally you might need to upgrade your integration to take advantage of new features we release. Our goal is to minimize this effort and make the maintenance as easy as possible. If you’re interested, you can join our SDK-announce google group to stay updated.
  • 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 and Android. On the server side, we have libraries in six languages: Ruby, Python, PHP, Java, Microsoft .Net, and Node.js. Our developer docs can steer you in the right direction.
  • 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, Magento, and Wufoo. See the list on our third-party integrations page.


  • How much does it cost to use Braintree?
    Our standard price of 2.9% + $.30 per card or digital wallet 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 for $49 per month and $.10 per transaction, and $10 for each additional merchant account.
  • Are there any additional 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?
    Are you a large enterprise business processing more than $80K per month? See what we have to offer your big business, Give us a call at 877.511.5036 or drop us an email at to start the discussion.
  • What are my pricing options in Europe?

    All European merchants have the opportunity to select Interchange plus (IC+) pricing or blended rate pricing. This is consistent with EU regulations around Merchant Interchange Fees (MIF).

    Blended rate pricing offers fixed rates, which makes it easier to accurately forecast your payment processing costs. The blended model consists of an ad valorem and per-transaction fee. Depending on your account setup, you may have different rates for debit cards and credit cards.

    Interchange plus pricing (IC+) consists of an ad valorem, per-transaction fee, interchange fees, and scheme fees. Because interchange fees are variable and are not determined by Braintree, it can be harder to predict the exact amount you’ll be charged. Similar to interchange fees, scheme fees are variable and are not determined by Braintree. The specific fees that are applied to each transaction depend primarily on card type, but include a number of other factors such as the type of merchant, cost of sale, processing technology, region, and more.

    If you have questions about which pricing model applies to your account or are interested in learning more about either pricing model, contact our Accounts team.

PCI Compliance

  • Do I have to be PCI 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 makes it so much easier for our merchants to be PCI 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 compliant?
    The simplest way for merchants to become compliant is through the use of our Drop-in UI or, for a more customizable experience, our Custom UI with Hosted Fields. It only takes a couple of steps. First, integrate with Braintree using one of our web or 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.
  • 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.


  • Can I accept debit cards without the Visa or Mastercard logo?
    In some markets you can accept cards that carry the Maestro logo, but otherwise, you can only accept cards that also have a Visa or Mastercard logo.
  • Can I accept prepaid debit or gift cards?
    Yes, we can process any prepaid card that has one of the major card brand logos (Visa, Mastercard, Discover, American Express, Diners).
  • Can I accept EMV (i.e. chip and pin) cards?
    Yes, EMV cards can be used online just like normal credit cards.
  • Do you support level II and III processing?
    We support level II processing on some processors, but do not currently support level III.
  • Do you support 3D Secure?
    Yes, you can read more about it here.
  • Can I initiate payouts to debit or credit cards?
    We currently do not support payouts to debit or credit cards, only refunds with a corresponding transaction.
  • Do you support healthcare cards that have the Visa or Mastercard logo?
    Yes, but only if your merchant account has the appropriate MCC (Merchant category code) for a healthcare provider.
  • Can I see BIN (bank identification number) information for the cards I process with Braintree?
    Yes, every card processed with Braintree will also have BIN information available. Find out how to access this information here.
  • Am I able to see AVS (address verification system) and CVV (card verification value) information when processing cards with Braintree?
    Yes, we return all AVS and CVV responses from card-issuing banks within the authorization and verification responses. You can also build free, custom rules to block transactions when the customer enters information that doesn’t match the issuing bank’s records. You can learn more about how these rules work here. Note, we only support this feature for cards issued in the United States, United Kingdom, and Canada.


  • Do I need a PayPal account to accept PayPal payments through Braintree?
    Yes you will need a PayPal Business Account to begin accepting payments. You’ll then link that account to Braintree via the Braintree Control Panel.
  • What does it cost to run PayPal transactions through Braintree?
    Your rates are predetermined by PayPal, but generally 2.9% + $.30 per transaction; you can contact PayPal directly or visit their pricing page for more details.
  • Will my customers need to leave my site to sign onto PayPal?
    With PayPal One Touch™, your mobile customers will sign in through a seamless app or browser switch, and your web customers will sign in right from your checkout page.
  • Can I set up PayPal for recurring payments?
    Yes, and here’s how.
  • 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 or recurring payments.
  • 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.
  • 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.

PayPal One Touch

  • What is PayPal One Touch?
    PayPal One Touch is our fastest way for your customers to check out on mobile and web. 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 our latest SDKs. See our Developer Docs for more information on how to configure PayPal One Touch.

Apple Pay

  • How does Apple Pay work?
    Apple Pay encrypts any credit/debit cards added to an Apple Wallet on supported Apple devices. Apple Pay assigns a device-specific tokenized credit card number called a DPAN that Braintree will use to process transactions.
  • Which currencies does Apple Pay support?
    Any currencies that you can process on your Apple Pay-supported processor(s).
  • What are the fees on Apple Pay transactions?
    There will be no additional standard fees beyond the standard 2.9% + $.30 per transaction. Volume pricing is also available.
  • Which card types are supported?
    Visa, MasterCard, American Express and Discover are supported for Apple Pay. For additional information on customer availability, please click here.
  • 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 with its own associated logo.
  • How are disputes handled?
    The payment instruments behind Apple Pay are credit or debit cards, and so chargebacks will look and behave the same as any other credit card chargeback on your account.
  • Is recurring billing supported?
    Yes, Apple Pay cards can be used to process recurring transactions.
  • Is vaulting supported?
    Apple Pay cards can be vaulted, but we recommend vaulting only for split shipment and recurring transactions, as Apple Pay cryptograms cannot be reused.
  • How does fraud checking (AVS/CVV) work with Apple Pay?
    Since Apple uses a tokenization system to encrypt card information and reduce the risk of fraud, CVV and AVS are not necessary for use with Apple Pay.

Android Pay

  • How does Android Pay work?
    Credit and debit cards that are added to the Android Pay app on supported Android devices are assigned a device-specific tokenized card number called a DPAN that Braintree will then use to process transactions.
  • Which currencies does Android Pay support?
    Any currencies that you can process on your Android Pay-supported processor(s).
  • What accounts do I need to have?
    In order to process with Android Pay, merchants need to have an integration with Braintree, a Braintree-provided US merchant account, and have an approved Play Store app.
  • What are the fees on Android Pay transactions?
    There will be no additional standard fees beyond the standard 2.9% + $.30 per transaction. Volume pricing is also available.
  • Which card types are supported?
    Visa, MasterCard, American Express and Discover are supported for Android Pay. For additional information on customer availability, please click here.
  • Who is the merchant of record?
    Even though the transaction is facilitated by Google, the merchant is the seller of record for the purchase.
  • How will I identify Android Pay payments in the Control Panel?
    Android Pay cards will appear as a new payment instrument type with its own logo.
  • How are disputes handled?
    The payment instruments behind Android Pay are credit and debit cards, and so chargebacks will look and behave the same as any other credit card chargeback on your account.
  • Is recurring billing supported?
    Yes, Android Pay cards can be used to process recurring transactions.
  • Is vaulting supported?
    Android Pay cards can be vaulted, but we recommend vaulting only for split shipment and recurring transactions, as Android Pay cryptograms cannot be reused.
  • How does fraud checking (AVS/CVV) work with Android Pay?
    Since Google uses a tokenization system to encrypt card information and reduce the risk of fraud, CVV and AVS are not necessary for use with Android Pay.


  • What are the benefits of accepting Bitcoin via Coinbase?
    Reach: By adding Coinbase into your application, you gain access to over 2 million consumer Bitcoin wallets. Ease of integration: We 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 SDKs.
  • Am I able to accept Bitcoin in my corner of the world?
    Our Coinbase integration is currently only available in the United States through a US merchant account.
  • 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.
  • What will the checkout process look like for consumers?
    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 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 disputes?
    Immediate confirmation and instant settlement work to make chargebacks a non-issue.
  • How will I receive funds?
    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.
  • 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.

Braintree Marketplace

  • What is Braintree Marketplace?
    Braintree 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 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 TaskRabbit, and RunSignUp. If you're unsure if your business is a good fit for Braintree Marketplace, contact our sales team.
  • How much does Braintree Marketplace cost?
    It’s free for Braintree merchants. You’ll pay the standard rate of 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?
    Absolutely. 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 (you don’t even need a Venmo account). 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 in their Venmo account one business day after the transaction settles (it usually takes two or more 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. 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, unless you are using Venmo to pay your sellers, you will need to collect bank account details 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 in the Braintree Vault, and we’ll automatically handle it 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’ll have the flexibility to create pricing plans that work for your business. 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, and customize exactly when and for how long you want the billing cycle to last.
  • 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 always 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, European, Singapore, Hong Kong, Malaysian, or New Zealand-based office. You must also have a bank account with a US, European, Australian, Canadian, Singapore, Hong Kong, Malaysian, or New Zealand-chartered bank. The location of your customers has no effect 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. Contact us for more details regarding settlement currencies.
  • Does Braintree charge foreign exchange or cross-border fees?
    Braintree does not charge any foreign exchange or cross-border fees.