Braintree vs. Stripe

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Braintree

User Rating (5):

Stripe

User Rating (5):
Pricing Per transaction fee of 2.9% + 30¢. No setup or monthly fees, no minimums. Same fee for international cards. (pricing may differ in countries other than the USA) Per transaction fee of 2.9% + 30¢. No setup or monthly fees, no minimums. Same fee for international cards.
Receive your funds 2 business days (Visa, MasterCard, Discover), 4 business days (AmEx) 2 days
Number of client libraries 7 official (Ruby, PHP, Python, Java, Perl, NodeJS, .NET) 5 official (Ruby, PHP, Python, Java, Scala). Unofficial third-party libraries available for C#, ColdFusion, NodeJS etc. Full list of libraries and plugins at https://stripe.com/docs/libraries
Number of mobile libraries 3 official (iOS, Android, Windows Phone) 2 official (iOS and Android)
Multi-user permissions unlimited limited
Recurring billing Allows multiple subscriptions per customer Allows multiple subscriptions per customer
Credit card storage Allows multiple cards per customer Allows multiple cards per customer
Support multi-merchant accounts yes no
International support US, Canada, UK, Australia, and dozens more US, Canada, UK, Ireland, betas in 9 other countries
Currencies accepted 130 139
Support custom data yes yes (through metadata field)
Supports dynamic descriptors (on customer's statement) yes no (descriptor will be user account name)
Supports separate auth and capture/submit_for_settlement yes yes
Website www.braintreepayments.com stripe.com
Fee for failed payments None None
Fee for chargebacks and disputes $15 $15
Fee for refunds No fee for the refund transaction. However, the fee for the original transaction is still charged to the merchant. No fee for the refund transaction. However, the fee for the original transaction is still charged to the merchant.
Personal information required Name, address, Date of birth, full Social Security Number Name, address, date of birth, last 4 digits of Social Security Number
Credit check Yes, Braintree runs a credit check on the individual that applies for an account. Stripe does not run a credit check but verifies identity using the name, date of birth and last 4 digits of SSN
Google wallet migration Discounted migration option available No discounted migration partnership with Google

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