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B2BRated

Braintree

By PayPal, Inc. (Braintree)

Vendor's website

Braintree is PayPal's payment gateway and merchant account for online businesses. It charges 2.89% plus 29 cents for cards and third-party wallets with no monthly fee listed, 3.49% plus 49 cents for Venmo, and 0.75% capped at $5 for standard ACH. One integration also takes PayPal payments.

From
0.75% standard schedule, capped at $5.00 per transaction
Free plan
No
Free trial
No
Prices checked
November 4, 2026

Pricing

Checked November 4, 2026 on the vendor's pricing page.

Plans and prices for Braintree
PlanPriceChargedNotes
Cards and third-party wallets2.89% + $0.29 standard US merchantsper transactionNo monthly fee is listed. Custom flat rates and interchange-plus pricing may be offered to established businesses
Venmo3.49% + $0.49 per Venmo transactionper transaction
ACH direct debit0.75% standard schedule, capped at $5.00 per transactionper transactionThe same-day window costs 1.5% plus 10 cents

Costs not in the plan price

  • An extra 1% applies to payments presented in a non-USD currency and to cards issued outside the US.
  • Each chargeback costs $15.00, and an ACH payment returned or disputed as unauthorized costs $5.00.
  • Pass-through American Express costs $0.15 per transaction.
  • Chargeback Protection tools start at 0.4% or 0.6% per transaction and are optional.

Categories it qualifies for

Facts we checked

  • US merchant accounts bundle Visa, Mastercard, Discover, UnionPay and JCB, and sometimes American Express. Source, checked November 4, 2026
  • Apple Pay and Google Pay are open to most merchants in the US, Canada, Europe, Australia and APAC, with Google's approval needed for Google Pay, and Venmo is available to US merchants. Source, checked November 4, 2026
  • Premium Fraud Management Tools run checks before a request goes to the customer's bank, and they work with all credit and debit cards plus Apple Pay and Google Pay. Source, checked November 4, 2026
  • Braintree sends one disbursement notification per merchant account per day for Braintree-funded accounts, with the amount, date and the transactions in the payout. Source, checked November 4, 2026
  • Chargeback Protection costs from 0.4% per transaction and Effortless Chargeback Protection from 0.6%. Source, checked November 4, 2026

Reviews

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Who pays us

PayPal, Inc. (Braintree) does not pay us anything.

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