Dealing with merchant account experts makes all the difference
Not all merchant account providers are the same, and the decision is more significant than most realize. We understand online payments and can help you through the complexities.
We go the extra mile to proactively help you improve billing practices, avoid mistakes, lower fees and increase security. In short, we are a breath of fresh air in a chaotic industry.
No Contracts – No Hidden Fees – Data Portability
Why Merchants Choose Braintree
- Bundled Services – Merchant Account, Payment Gateway, Credit Card Storage and simplified PCI Compliance.
- Truth in Pricing – We don’t hide fees or use sales trickery.
- Support – We care deeply about providing exceptional support. Read our reviews and check out the buzz page to see what others are saying.
- Expertise – We understand online payments. We help merchants improve billing practices, avoid mistakes and qualify for better rates.
Who uses Braintree?
Online Merchant Account
Features
- Visa, MasterCard, American Express, Discover, Diners, & JCB
- Accept credit card payments from anywhere in the world
- Address Verification Service (AVS) and CVV (security code)
- Credit card account verification for free trials or future delivery
- Comprehensive transaction and settlement reporting
Functionality
- Accept credit card payments via website, phone, or recurring billing
- Advanced AVS and CVV rules based on amount/card type/address
- Capture custom data for record keeping and customer service
- Create portal for cardholders to add / update payment information
What it takes to get Started
- Complete an application
- Include a copy of a voided check or bank letter
- 3 months of processing statements (for existing merchants only)
- Complete ecommerce requirements (hover over add with information)
- Approval typically takes 3-5 business days once we have all information
Industries
We provide merchant services for nearly all industries except for example adult, gaming, liquor, online dating, debt consolidation, credit repair, and bankruptcy attorneys.
Merchants in these industries can use Braintree as a gateway only with the exclusion of adult related business.
Merchant Account Risk
A merchant account is similar to a line of credit. If a merchant doesn’t deliver or poorly delivers on the products / services sold, the merchant account provider is financially liable to all the cardholders. There are a few billing methods and business models that greatly increase risk, especially with new businesses. Here are some examples:
- Quarterly / Annual billing Read why
- Aggregation – accepting payment for a third party Read more
- Retainer / Account Credit – Advance payment for future service
We can work with any of the above mentioned billing methods. Your business will just need to demonstrate the financial strength to support the increased risk.
Read more about Merchant Account Risk & Underwriting and abrupt reserves or account closure.
