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Complete pricing breakdown for Braintree including all plans, hidden costs, and limitations.
Pricing score: 50/100
User limit: Unlimited
User limit: Unlimited
PayPal/Braintree's new chargeback policy (November 2025) was criticized on Hacker News for 'forcing merchants to accept fraud.' The policy changes make it harder for merchants to fight illegitimate chargebacks, shifting financial risk onto businesses rather than the platform.
Braintree charges 1% fee for converting foreign currency transactions to USD, which adds up for businesses with international customers. Some users discovered Braintree forces conversion to Euro before deposits, resulting in total processing fees reaching 8%. The fee structure is described as 'not intuitive at a glance.'
At 2.59% + $0.49 per transaction, Braintree's fees are higher than Stripe's 2.9% + $0.30 for comparable transactions. For most businesses, this means Braintree costs more per transaction. The only advantage is for high-volume merchants who can negotiate custom rates ($80K+/month required).