# Stripe vs Braintree

Title: Stripe vs Braintree: fees

Description: Stripe vs Braintree: Stripe is 2.9% + $0.30. Braintree is 2.89% + $0.29. Disputes: Stripe $15, Braintree $15 chargeback. Read November 9, 2026.

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.

# Stripe vs Braintree

Two developer processors. Braintree is owned by PayPal.

[Braintree](https://www.braintreepayments.com/?ref=https%3A%2F%2Fwww.stripealternatives.com)

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.

| 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 | No | No |
| In the fee calculator | Yes | Yes |

## Pricing

- Stripe: 2.9% + $0.30
- Braintree: 2.89% + $0.29

## With Stripe

Billing, Tax, Connect, Radar, and the documentation are part of why you picked a processor, not just the basis points.

## With Braintree

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.

## On the pricing page

- **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.

## Questions

### Is Braintree lower than Stripe on the published line?

At $10,000 a month and a $50 ticket, Braintree, US cards and wallets is $347.00 and Stripe is $350.00, using rates read on November 9, 2026. Standard merchant rate. Non-US cards add 1%. Venmo is 3.49% + $0.49 and is not this row.

### What is Braintree's dispute fee versus Stripe's?

Braintree lists $15 chargeback. Stripe lists $15 when a dispute is received. Both lines were read on November 9, 2026.

### How does Braintree underwrite compared with Stripe?

Application and approval. PayPal says use is subject to eligibility. Stripe signs businesses up quickly and can review them later. A listing on this page is not an approval.

### When should you keep Stripe instead of Braintree?

Billing, Tax, Connect, Radar, and the documentation are part of why you picked a processor, not just the basis points.

### When should you choose Braintree?

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.

### Can Stripe card tokens move to Braintree?

This page does not claim that Braintree imports Stripe tokens. Ask in writing. Stripe's data export page, read on November 10, 2026, says Stripe transfers card data only to a PCI DSS Level 1 processor.

## Sources

Last verified November 9, 2026.

- Stripe: https://stripe.com/?ref=https%3A%2F%2Fwww.stripealternatives.com
- Stripe pricing: https://stripe.com/pricing?ref=https%3A%2F%2Fwww.stripealternatives.com
- Braintree: https://www.braintreepayments.com/?ref=https%3A%2F%2Fwww.stripealternatives.com
- Braintree pricing: https://www.paypal.com/us/enterprise/paypal-braintree-fees?ref=https%3A%2F%2Fwww.stripealternatives.com
- Stripe: payment data export: https://docs.stripe.com/get-started/data-migrations/pan-export?ref=https%3A%2F%2Fwww.stripealternatives.com

## Related

- [Stripe pricing profile](/alternatives/stripe.md)
- [Braintree profile](/alternatives/braintree.md)
- [How to switch from Stripe](/guides/switching-from-stripe.md)
- [How Stripe's US fees add up](/guides/stripe-fees-explained.md)
- [Fee calculator](/tools/fee-calculator.md)
- [Lowest published fees](/best/lowest-fees.md)
- [All Stripe comparisons](/compare.md)
- [Stripe vs Paddle](/compare/stripe-vs-paddle.md)
- [Stripe vs Lemon Squeezy](/compare/stripe-vs-lemon-squeezy.md)
- [Stripe vs Whop](/compare/stripe-vs-whop.md)