If you want to know whether to choose Stripe of Braintree as a payment option, you might need to ask a couple of other questions first. What you need to know here is which is going to actually run your payments engine properly. You need to know how payments will behave, where you can accept payments, how those businesses help you scale, and how much flexibility they’ll give you as your business grows.
Both companies operate at enormous scale. Stripe reported processing $1.4 trillion in total payment volume in 2024, and PayPal, the company that owns Braintree, reported $1.53 trillion in total payment volume in 2023.
That just means that you’re making a choice between two mature, global platforms that are both capable of handling serious volume.
The real decision comes down to how you want payments to integrate into your business model.
When would you choose Stripe?
Stripe was built around the idea that payments should feel like software infrastructure. Its got consistent APIs, thorough documentation, and its products extend well beyond basic card acceptance. If you’re building a SaaS platform, subscription service, marketplace, or fast-scaling ecommerce business, looking at Stripe might make you feel like they were building it for you from the beginning.
Stripe’s pricing is simple enough for startups and mid-market companies to understand quickly, and enterprise pricing becomes more customized at scale. What matters more than the rate, though, is how tightly Stripe connects adjacent capabilities. Stripe Billing allows you to manage subscriptions and usage-based pricing inside the same ecosystem as payments.
Stripe Radar gives you fraud detection tools that are integrated directly into your payment flows. Stripe also publishes detailed guidance on improving authorization rates, which shows how seriously it treats performance optimization as part of the payments equation.
If you want one environment where billing logic, payment processing, fraud rules, and reporting are unified, Stripe simplifies your operational model. Engineering doesn’t have to reconcile multiple API standards. Product teams can experiment with pricing and checkout flows without coordinating across several vendors. Finance teams get visibility into a centralized system.
Do you need developer speed, modular expansion, and the flexibility to support product-driven growth? Then Stripe is very often the right fit.
What Braintree is designed to support
Braintree is actually part of the PayPal ecosystem, and that connection shapes its value. If your customers actively use PayPal or Venmo, you’re going to have a good reason to use Braintree as a means of directly impacting conversion.
Probably the best argument for using Braintree comes from its wallet-driven checkout. PayPal is one of the most recognized digital wallets globally, and that familiarity can reduce friction for new and returning customers.
PayPal’s Fastlane initiative is designed to streamline guest checkout by leveraging stored consumer information, which can shorten the path from cart to confirmation. If wallet adoption is already high in your customer base, Braintree is a really great option for making the most of that behavior.
Braintree also supports recurring billing, marketplace models, and complex payment structures through its API documentation. For companies expanding internationally, PayPal’s global presence and regulatory footprint can make cross-border payments feel more manageable.
If your growth strategy leans heavily on wallet conversion, brand recognition at checkout, and global coverage, Braintree is a natural fit.
Breaking down fees
How do Stripe and Braintree pricing models compare? Stripe’s publicly listed rate is 2.9% + $0.30 in the US, and Braintree’s published rate is 2.59% + $0.49. At first glance, those differences might look small, but it really comes down to your transaction mix.
If you’re doing cross-border transactions, you can expect Stripe to introduce additional fees. Chargebacks carry separate costs. Alternative payment methods often have their own pricing structures. Most importantly, approval rates affect your effective cost per approved transaction.
Stripe’s own guidance on optimizing authorization rates highlights how performance improvements can lift revenue without increasing traffic.
When you evaluate fees, you’ll need to pull back the curtain and look beyond the headline percentage. Model your actual payment data. Consider approval performance, dispute rates, and operational overhead. The cheapest processor on paper isn’t always the most cost-efficient in production.
Comparing key features between Stripe and Braintree
Stripe and Braintree both support modern authentication standards, including 3DS. Stripe provides documentation on implementing 3DS and even standalone authentication flows when merchants need more control over how authentication interacts with authorization.
Braintree also supports 3D Secure within its ecosystem.
Stripe’s fraud tooling is integrated through Radar, which allows configurable rules and machine learning detection within the same platform.
Braintree, on the other hand, has the entirety of PayPal’s broader risk infrastructure and consumer network context included in its offering.
Checkout experience also differs in emphasis. Stripe offers customizable checkout and payment elements that embed into your site or app with a high degree of control.
Braintree integrates closely with PayPal wallet experiences and Fastlane, which, as we’ve already mentioned, can streamline checkout for customers already familiar with PayPal.
The best choice depends on how your customers behave and how your internal teams operate. If subscription complexity and integrated billing matter most, Stripe’s unified environment may feel cleaner. If wallet usage and PayPal brand recognition drive conversion, Braintree might be just the ticket for aligning more closely with your checkout goals.
Why you can have both with payments orchestration
Do you have to commit to one provider across your entire organization? You don’t, and that’s where payments orchestration changes the conversation.
Payment orchestration platforms coordinate multiple payment providers and routing logic through a centralized infrastructure layer. Instead of binding your business to a single processor, orchestration allows you to connect Stripe and Braintree simultaneously and decide how transactions flow between them.
You might use Stripe for subscription-heavy flows where integrated billing and fraud controls add value. You might route wallet-dominant transactions through Braintree where PayPal conversion strength matters most. You can adjust routing based on geography, performance data, or cost considerations without rebuilding your checkout.
Stripe’s focus on authorization optimization should show you just how much performance varies depending on configuration. Orchestration gives you the flexibility to apply similar optimization strategies across multiple providers instead of locking yourself into one environment.
This approach gives you both resilience and negotiation leverage. You’ll be able to expand into new regions without re-architecting your entire payments stack. Most importantly, it keeps control in your hands as your business evolves.
Should you choose Stripe or Braintree?
Stripe and Braintree are both capable, global platforms with strengths of their own. Stripe is going to be attractive when you want cohesive, modular tooling that keeps billing, fraud, and payments tightly integrated. Braintree is your best bet when PayPal wallet integration and global brand trust are a big part of your checkout strategy.
The most future-ready approach doesn’t treat this as a permanent fork in the road. It starts with the platform that fits your immediate needs while designing your architecture so you can add, route, and optimize across providers as conditions change.
That way, your payments strategy grows with your business instead of limiting it.
