Finix vs. Braintree: How they compare
Braintree makes it easy to get started online — but as your business grows to include in-person sales, platform payments, or B2B billing, the gaps start to show.
Finix and Braintree pricing compared
Finix | Braintree | |
|---|---|---|
Pricing model | Subscription from $250/mo or interchange-plus custom | Flat-rate pricing available; interchange-plus pricing also available to eligible merchants |
In-person | 0% markup on interchange + $0.15/transaction (Amex: 0.30% + $0.15) | Supported through integration with Verifone payment terminals |
Online payments | Interchange + 0% + $0.15/transaction (Amex: 0.30% + $0.15) | 2.89% + $0.29/transaction (standard flat rate) |
Interchange optimization | Full Level 2 & 3 support | Interchange-plus pricing available; supports enhanced commercial card data programs |
Virtual terminal | Included | Manual card entry available through Braintree Control Panel; no dedicated virtual terminal product published |
Payment links | Included | No widely published payment-links product; availability may depend on PayPal/Braintree configuration |
ACH transactions | 1.00% (max $10.00) + $0.25 | 0.75%, capped at $5.00 per transaction |
ACH validation | $0.55 flat | Bank account verification available (Network Check, Micro-Transfers, Independent Check); fees not publicly disclosed |
Instant payouts | 1.50% | No publicly published instant payout offering |
Fraud detection | Included (machine learning) | Advanced Fraud Protection available; small per-transaction add-on cost |
Support fees | Included — dedicated account manager | Email and phone support included; no dedicated account manager published |
Technology fees | None | Additional fees depend on pricing agreement and services used |
Quick recap of Direct Merchant Pricing Comparison
Braintree's 2.59% + $0.49 flat-rate pricing is simple and commitment-free, making it attractive for smaller online businesses. However, merchants processing higher volumes or a B2B-heavy card mix can often reduce costs with interchange-plus pricing. Finix offers interchange-plus pricing from the outset with no volume threshold. Unlike Finix, Braintree supports online and mobile payments only.
Platform & marketplace pricing
Finix | Braintree | |
|---|---|---|
Pricing models | Flat-rate or dynamic, fully configurable per merchant | Flat: 2.75% + $0.30 per card transaction; Dynamic: IC++ 0.3% + $0.30 |
Interchange fee optimization | Full Level 2 & 3 support | No published L2/L3 optimization for platform merchants |
Merchant payout | $0.50 per next-day ACH payout; $0.75 per same-day ACH payout | $0.25/payout |
White-labeling | No additional cost | White-label platform experiences supported; no public white-label fee published. |
ACH transaction cost | 1.00% (max $10.00) + $0.25 | 0.75%, capped at $5.00 |
ACH validation | $0.55 | Bank account verification available; pricing not publicly disclosed. |
Virtual terminal fee | Included | No comparable virtual terminal offering identified |
Payment links fee | Included | No payments link fee published. |
Instant payouts | 1.50% | No publicly documented instant payout offering. |
Machine learning and fraud detection | Included | Advanced Fraud Protection; add-on cost per transaction |
Support fees | Included, with a dedicated account manager | Email and phone support; no dedicated account manager published |
Technology fees | $5.00 per sub-merchant onboarding; $2.50 per active sub-merchant per month | $2.50/month per merchant account + $5.00 onboarding fee per sub-merchant |
Pricing as of June 2026. Applies to U.S.-based businesses. Subject to change.
Quick recap of Platform & Marketplace Pricing Comparison
Braintree Marketplace supports split transactions and multi-party payment flows, but charges $5 per sub-merchant onboarding and $2.50 per monthly account, increasing costs as platforms scale. Finix charges $5.00 per sub-merchant onboarding, $2.50 per active sub-merchant per month, and $0.50 per next-day ACH payout, while Finix also offers interchange-plus pricing and Level 2/3 optimization tools to help reduce processing costs.
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What growing businesses should know
Finix
Certified direct processor connecting to Visa, Mastercard, Discover, and Amex
Interchange-plus pricing from day one, with no processing volume minimum
Accepts payments online, in person, and across channels from a single platform
White-label payment experiences available for platforms at no additional cost
Level 2 and Level 3 processing included for eligible commercial card transactions
Dedicated implementation manager and developer support included
Braintree
PayPal-owned payment platform supporting online, mobile, and in-person payments
Flat-rate pricing available, with interchange-plus pricing also offered to eligible merchants
Supports in-person payments through an integration with Verifone payment terminals, alongside online and mobile payments
Supports PayPal and Venmo alongside cards and other digital wallets
Fraud Protection Advanced available as a premium add-on with additional fees
Integration and customization options
Finix
RESTful API with webhooks and real-time event streams
No-code onboarding tools alongside full API access — teams without dedicated dev resources can get started
Tokenization and hosted fields to reduce PCI scope
Dedicated sandbox environment for integration testing
White-labeled checkout pages, payment links, and virtual terminal included — no extra development required
Braintree
Well-documented REST and GraphQL APIs with SDKs for iOS, Android, JavaScript, and major server-side languages
Drop-in UI provides a PCI-compliant payment form embeddable with minimal code — one of the faster ways to launch online checkout
Native PayPal, Venmo, Apple Pay, and Google Pay integration without separate integrations
Tokenization vault stores customer card data for subscriptions and repeat billing
Integration is primarily developer-facing; businesses without technical resources may find setup more involved than anticipated
Frequently asked questions
Braintree and Finix both support online and in-person payments. Braintree combines its online payment platform with in-person payments through an integration with Verifone terminals. Finix supports online, in-person, and omnichannel payments from a single platform, as well as embedded payments for platforms and marketplaces. Finix publishes interchange-plus pricing from day one with no processing volume minimum, while Braintree offers both flat-rate and interchange-plus pricing.
Yes. Braintree supports in-person payments through an integration with Verifone payment terminals. Businesses can accept EMV chip cards, contactless cards, and digital wallets in store, with transactions processed through the Braintree gateway alongside ecommerce payments.
Braintree offers flat-rate pricing as well as interchange-plus pricing for eligible merchants. With interchange-plus pricing, interchange fees from the card networks and issuing banks are separated from Braintree's fees. Finix uses interchange-plus pricing from day one, with no processing volume minimum, and publishes its standard processor fee alongside the underlying interchange cost. Actual processing costs with either provider depend on factors including transaction volume, card mix, and payment channel.
Braintree Marketplace supports sub-merchant onboarding, service fees, split payment flows, and payouts to sub-merchants. New merchants interested in Braintree Marketplace need to contact its sales team for availability and pricing. Finix also supports platform and marketplace payments, with sub-merchant onboarding, configurable merchant pricing, split transactions, payouts, and white-label capabilities. Finix publishes standard platform fees, including $5 per sub-merchant onboarding and $2.50 per active sub-merchant per month.
Finix includes a dedicated implementation manager and developer support. Braintree provides developer documentation and support resources, with merchants able to submit requests for help with sandbox or production accounts.
Yes. Finix supports migrating tokenized payment data from another payment provider, which can allow stored customer payment methods to move without requiring customers to re-enter their card details. Finix works with businesses and their existing processor on the secure transfer and import of payment data. The exact process and timeline depend on the existing setup and data format.
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Every business has different payment needs. Our team can walk you through how Finix compares to Braintree for your specific use case and what a migration looks like in practice.