Stripe vs Braintree
Stripe vs Braintree compares published lines. Stripe's US domestic cards are 2.9% + $0.30, read November 9, 2026. Braintree is listed at 2.89% + $0.29. Dispute fees that day: Stripe $15 received, and Braintree $15 chargeback. The provider pages, not a third-party roundup, are the source.
What is the verdict on Stripe vs Braintree?
Braintree publishes 2.89% + $0.29, read on November 9, 2026. Stripe's US domestic card rate on that date is 2.9% + $0.30.
On published US card rates, Braintree is 2.89% + $0.29 and Stripe is 2.9% + $0.30. At $10,000 a month and a $50 average ticket, that gap is $3. Do not migrate for it. Choose Braintree if PayPal and Venmo inside the same integration are the feature you need. Choose Stripe if you want the wider product around payments.
How do Stripe and Braintree compare on features?
Braintree is a payment service provider with the dispute line $15 chargeback, read on November 9, 2026. Stripe's dispute line on that date is $15 received.
| Feature | Stripe | Braintree |
|---|---|---|
| Card rate | 2.9% + $0.30 | 2.89% + $0.29 |
| Dispute fee | $15 received | $15 chargeback |
| Pricing | Flat rate | Flat rate |
| Payout | Standard schedule free. Instant 1.5%, minimum $0.50. | Not stated on the fee page we read. |
| Region | Global. Rates here are the US list prices. | The published schedule below is for US accounts. |
| Underwriting | Instant signup. Stripe can review, restrict, or close the account later. | Application and approval. PayPal says use is subject to eligibility. |
| Merchant of record | ||
| In the fee calculator |
What does Stripe vs Braintree cost at $10,000, $100,000, and $1 million a month?
The dollar columns use a $50 average ticket and successful charges only, on rates read November 9, 2026. Braintree's published line is 2.89% + $0.29.
Stripe
Published standard rate, read November 9, 2026.
- Manually entered cards. +0.5%
- International cards. +1.5%
- Currency conversion. +1% when required
Braintree
Published standard rate, read November 9, 2026.
- Card issued outside the US. +1%
- Non-USD presentment. +1%
- Venmo. 3.49% + $0.49. US only.
| Monthly volume | Stripe, $50 ticket | Braintree |
|---|---|---|
| $10,000 | $350.00 | $347.00 |
| $100,000 | $3,500.00 | $3,470.00 |
| $1 million | $35,000.00 | $34,700.00 |
Read on November 9, 2026 from each provider's pricing page. A figure that says "from" is a floor, not the rate a business is charged. International cards, currency conversion, and disputes are not inside these totals. Stripe pricing · Braintree pricing
Where does Stripe win, and where does Braintree win?
Stripe wins on the job in the left column. Braintree wins on the job in the right column, at the rate 2.89% + $0.29 read on November 9, 2026.
Stripe wins when
Billing, Tax, Connect, Radar, and the documentation are part of why you picked a processor, not just the basis points.
Braintree wins when
You specifically want Braintree's PayPal relationship, and PayPal has approved the business. Venmo on Braintree is a different, higher rate: 3.49% + $0.49.
How do underwriting and account stability differ?
Stripe's underwriting note is instant signup, with the right to review later, as recorded on November 9, 2026. Braintree's note is: Application and approval. PayPal says use is subject to eligibility.
A live API key is not the same thing as a written approval. If Stripe closed the account for the business model, an instant-onboard processor can reach the same answer after you have moved customers. A prohibited category does not become lawful because the logo changed.
How do you switch from Stripe to Braintree?
Stripe's data export page, read on November 10, 2026, says Stripe transfers saved cards only to a PCI DSS Level 1 processor and does not export subscriptions or payment history. The switching guide is the longer checklist.
- Export Stripe customers, prices, and disputes while the dashboard still allows it.
- Ask Braintree in writing whether a Stripe token import exists. This page does not claim one.
- Recreate plans and run five real customers in a test, including one annual plan.
- Map webhooks before cutover. Do not bill the same period twice.
- If the Stripe account is already closed, plan for customers to enter cards again.
What did Braintree publish on the pricing page?
Braintree contributed 6 fee lines to this comparison, read on November 9, 2026. The headline beside those lines is 2.89% + $0.29.
Cards and third-party wallets, standard US merchants
2.89% + $0.29
Card issued outside the US
+1%
Non-USD presentment
+1%
Venmo
3.49% + $0.49. US only.
Chargeback
$15
ACH direct debit
0.75%, capped at $5. Same-day ACH is 1.5% + $0.10.
Where is the source page?
These figures were last updated November 9, 2026. The provider's own page is the source.