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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 SAR China, Malaysia, and New Zealand. In legal terms, you have to be domiciled in a supported country/region 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 United Kingdom can accept PayPal, Apple Pay, Google Pay, and cards on the Visa and Mastercard networks as long as the cards are enabled for online use. You may also choose to accept American Express and UnionPay in most major currencies.
  • 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?
    We have established a few different partnerships throughout Europe. As a result, settlement times will vary based on the banking relationship you use. The majority will settle 2 days after the transaction, however some may take anywhere from 1-4 weeks. 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?
    For European merchants our email and phone support is available from 11am to 11pm GMT, Monday through 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 pricing is 1.9% + £0.20 per card transaction and includes all of our features and unlimited access to our support team. American Express transactions will be charged 2.4% + £0.20. There are no monthly fees, and you only pay for what you use -- there’s no minimum transaction processing amount. We reserve the right to update pricing in the future.
  • I'm stuck with my current merchant account - can I still use Braintree as a payment gateway?
    Unfortunately not at this time.
  • 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 £20 for each chargeback incident.
  • What if I have to issue a refund?
    You will not be charged any additional fees to issue refunds or credits. We do not reimburse the original transaction fees for partial refunds. For full refunds, the original transaction fees may or may not be refunded depending on your account setup. Contact our Accounts team for more information.
  • Is volume pricing available?
    Are you a large enterprise business processing more than £50K per month? See what we have to offer your big business. Get in touch with us by submitting a custom pricing form.
  • 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 an online Self Assessment Questionnaire with our partner Qualified Security Assessor (QSA), SecurityMetrics.
  • What are the charges for PCI compliance?
    There are no additional charges for the security that comes inherent with our Drop-in or Custom UI. When you have a merchant account with us, we provide PCI compliance validation through our partner, SecurityMetrics. Additional charges may apply when you hit Level 1 or Level 2 thresholds – inquire directly with Security Metrics for more information.

Fraud Protection

  • What is Fraud Protection?
    Fraud Protection is an out-of-the-box tool for Braintree merchants that helps automatically detect fraudulent transactions and mitigate risk. Intelligence harnessed from PayPal and Braintree networks combined with robust risk machine learning models, help merchants more accurately decision card transactions in real time to minimize chargebacks, reduce false positives, and reduce friction.
  • How much does Fraud Protection cost?
    Depending on your pricing model, there may be additional fees associated with Fraud Protection.Contact us for more information
  • Is additional integration required to use Fraud Protection?
    No additional integration is required for new Braintree merchants and minor integration changes may be required for existing Braintree merchants to pass device data. For optimal performance, we recommend that you continue collecting device data from your client app. We also highly recommend that you update to the latest SDK versions, since device data collection for Fraud Protection is available for SDK versions below or newer:
    • iOS 4.32.0: released on Feb 18, 2020
    • Android 3.9.0: released on Feb 20, 2020
    • Web 3.58.0: released on Feb 13, 2020
  • Does Fraud Protection protect all of my transactions?
    Fraud Protection gives merchants more control and insight into the decisioning process of their credit card, debit card, Apple Pay, Google Pay, Samsung Pay, and Secure Remote Commerce transactions. It does not cover PayPal wallet transactions.
  • How do I access Fraud Protection?
    Go to the Advanced Fraud Management Tools in your Braintree Control Panel, enable Fraud Protection, then click the “Go to Fraud Protection Dashboard” link to access your performance dashboard and user interface where you can customize settings and filters that work the best for your business.
  • How do Fraud Protection filters work?
    Filters are rules or conditions that can be used to reject transactions. When a filter is enabled, it will reject the transactions that meet the pre-set condition.
  • Can I make changes to filters?
    Yes. You can enable, disable, or change the threshold value of an existing filter based on your tolerance for risk and business needs.
  • How do I know that making changes to filters will produce the outcome I want?
    When you enable a filter or change the threshold value, you will be prompted to “test” the changes. This will allow you to see the simulated impact of that filter change on your approvals, rejections, and chargebacks, before using the filter in production.
  • Is there a way to approve transactions that are declined by Fraud Protection?
    Currently, we do not provide a way to approve declined transactions. However, you can adjust filter thresholds to allow future transactions of a similar nature to pass through.
  • What if a customer disputes a transaction that wasn’t rejected by Fraud Protection?
    Fraud Protection serves as an added layer of security over your current risk management setup. If you receive a chargeback on an approved transaction, it will fall under your overall Braintree terms and conditions. Using Fraud Protection does not provide any additional chargeback protection. Braintree is not liable for any chargebacks disputed even after Fraud Protection is enabled. However, Fraud Protection takes additional precautions to decline transactions that can result in potential chargebacks.
  • How can I reduce my chargeback rate?
    We encourage you to use the filter testing feature to preview which filters and threshold values may help you reduce chargebacks due to fraud.
  • What are Fraud Protection recommendations and how do they work?
    Recommendations are a set of suggestions based on micro models that run on the backend to help keep filters continuously optimized. Recommendations will be made to enable filters not currently enabled, disable filters no longer catching fraud, or change the threshold value of a filter to improve the performance.


  • Can I accept debit cards without the Visa or Mastercard logo?
    In some markets you can accept cards that carry the UnionPay or 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, Diner’s Club, UnionPay).
  • 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 2 and 3 processing?
    We support Level 2 and 3 processing on some processors.
  • 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, AVS is mostly supported by card-issuing banks 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; 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 1.9% + £0.20 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.

Google Pay

  • How does Google Pay work?
    Credit and debit cards that are added to the Google 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 Google Pay support?
    Any currencies that you can process on your Google Pay-supported processor(s).
  • What accounts do I need to have?
    In order to process with Google Pay, merchants need to have an integration with Braintree, a Braintree-provided UK merchant account, and have an approved Play Store app.
  • What are the fees on Google Pay transactions?
    There will be no additional regular fees beyond the standard 1.9% + £0.20 per transaction. Volume pricing is also available.
  • Which card types are supported?
    Visa, Mastercard, and American Express from most major issuing banks in US, UK, Singapore, and Australia are supported.
  • 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 Google Pay payments in the Control Panel?
    Google Pay cards will appear as a new payment instrument type with its own logo.
  • How are disputes handled?
    The payment instruments behind Google 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, Google Pay cards can be used to process recurring transactions.
  • Is vaulting supported?
    Google Pay cards can be vaulted, but we recommend vaulting only for split shipment and recurring transactions, as Google Pay cryptograms cannot be reused.
  • How does fraud checking (AVS/CVV) work with Google 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 Google Pay.

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/region?
    Braintree is available for merchants in the United States, Canada, Australia, Europe, Singapore, Hong Kong SAR China, Malaysia, and New Zealand. In legal terms, you have to be domiciled in a supported country/region. We are working hard to bring Braintree to other countries/regions.
  • What does it mean to be “domiciled” in the United States, Europe, Australia, Canada, Singapore, Hong Kong SAR China, Malaysia, or New Zealand?
    Your business must operate out of a US, Canadian, Australian, European, Singapore, Hong Kong SAR China, Malaysian, or New Zealand-based office. You must also have a bank account with a US, European, Australian, Canadian, Singapore, Hong Kong SAR China, 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. 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?
    Funds can be deposited into your bank account in the following currencies:
    EUR - Euro
    GBP - British pound
    USD - US dollar
    AUD - Australian dollar
    HKD - Hong Kong SAR, China dollar
    DKK - Danish Krone
    SEK - Swedish Krone
    ZAR - South African rand
    CAD - Canadian dollar
    NZD - New Zealand dollar
    CHF - Switzerland francs
    NOK - Norwegian krone
    JPY - Japanese yen
    PLN - Polish Zloty
    Contact us for more details regarding settlement currencies.