Software Alternatives, Accelerators & Startups

Cardinity VS PayPal Braintree

Compare Cardinity VS PayPal Braintree and see what are their differences

Cardinity logo Cardinity

Cardinity allows online merchants to accept credit and debit card payments from customers. We provide payment gateway and merchant account services.

PayPal Braintree logo PayPal Braintree

An all-in-one solution to accept, process, and split payments in your mobile app or online - from small business to large enterprise.
  • Cardinity Landing page
    Landing page //
    2021-07-28
  • PayPal Braintree Landing page
    Landing page //
    2018-10-10

Cardinity features and specs

  • Competitive Fees
    Cardinity offers competitive fees for processing payments, which can be appealing for small to medium-sized businesses looking to manage costs.
  • Wide Integration Options
    The payment gateway integrates with various popular e-commerce platforms such as Shopify, WooCommerce, and Magento, making it versatile and easy to implement.
  • International Payments
    Cardinity supports multiple currencies and payment methods, allowing businesses to process international payments seamlessly.
  • Security and Compliance
    Cardinity is PCI DSS compliant and offers additional security features like 3D Secure to help protect both merchants and customers from fraud.
  • Recurring Payments
    The service supports recurring billing, which is beneficial for subscription-based businesses by automating the collection of subscription fees.

Possible disadvantages of Cardinity

  • Limited Availability
    Cardinity is primarily available to businesses situated within the European Economic Area (EEA), limiting access for businesses outside this region.
  • Approval Process
    Some users might experience a lengthy approval process to get started with Cardinity, potentially delaying their ability to process payments.
  • Monthly Fees
    Unlike some competitors, Cardinity may charge monthly fees in addition to transaction fees, which can be a disadvantage for smaller businesses with low transaction volumes.
  • No PayPal Integration
    Cardinity does not integrate directly with PayPal, which might be a downside for businesses that rely heavily on PayPal transactions.
  • Customer Support
    While generally responsive, some users have reported instances of customer support being slower than expected in addressing issues or queries.

PayPal Braintree features and specs

  • Comprehensive Payment Options
    Braintree supports a variety of payment methods, including credit/debit cards, PayPal, Apple Pay, Google Pay, and more, giving businesses the flexibility to offer multiple payment options to their customers.
  • Global Reach
    Braintree offers support for multiple currencies and countries, making it suitable for businesses that operate or plan to operate internationally.
  • Developer Friendly
    Braintree provides extensive documentation, SDKs, and APIs, making it an excellent choice for developers looking for easy integration and customization.
  • Advanced Security
    Braintree offers robust security features such as PCI compliance, data encryption, and fraud detection tools to ensure transactions are secure.
  • Transparent Pricing
    Braintree offers straightforward and transparent pricing without hidden fees, making it easier for businesses to understand their costs.
  • Recurring Billing
    Braintree supports subscription-based billing and recurring payments, making it ideal for businesses that offer subscription services.

Possible disadvantages of PayPal Braintree

  • Complex Onboarding
    Some users have reported that the onboarding process can be complicated and time-consuming, especially for smaller businesses or those with less technical expertise.
  • Fees for International Transactions
    While Braintree supports global transactions, there are additional fees for currency conversion and international payments, which can add up for businesses with a large international customer base.
  • Limited Customer Support
    Some users have experienced difficulties with the limited availability of customer support, especially when dealing with urgent issues.
  • Complex Fee Structure
    While Braintree's pricing is transparent, it can still be complex with various fees for different types of transactions, making it harder for businesses to estimate their exact costs.
  • Settlement Times
    The time it takes for funds to be settled into the business's bank account can be longer compared to some other payment processors, which might be a concern for businesses needing quicker access to their funds.

Analysis of PayPal Braintree

Overall verdict

  • Yes, Braintree Payments is generally considered to be a good option for businesses looking for a reliable, secure, and flexible payment processing solution. It benefits from PayPal’s infrastructure and reputation while providing a suite of advanced tools that are appreciated by both developers and end users.

Why this product is good

  • Braintree Payments, a division of PayPal, is highly regarded for its robust payment processing solutions that cater to both large enterprises and smaller businesses. It offers a wide range of features including support for multiple currencies, fraud protection, seamless integration options, and a flexible pricing model. Its developer-friendly platform includes comprehensive documentation and tools, making it easier to implement customized payment solutions.

Recommended for

  • E-commerce businesses seeking a robust payment gateway.
  • Merchants requiring multi-currency processing.
  • Startups and developers needing flexible integration options.
  • Companies looking for advanced fraud protection features.

Cardinity videos

Website Requirements for Online Shops | Cardinity

PayPal Braintree videos

Collect payments with the Braintree payment processor

More videos:

  • Review - Kai's Paypal vs Braintree vs Stripe tour

Category Popularity

0-100% (relative to Cardinity and PayPal Braintree)
Online Payments
18 18%
82% 82
Payments Processing
100 100%
0% 0
Payment Platform
17 17%
83% 83
Recurring Billing
0 0%
100% 100

User comments

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Reviews

These are some of the external sources and on-site user reviews we've used to compare Cardinity and PayPal Braintree

Cardinity Reviews

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PayPal Braintree Reviews

What to Use Instead of PayPal? 10 Best PayPal Alternatives
Braintree is a PayPal service, but it is still one of the PayPal alternative payment methods worth considering. There is no monthly fee for using this payment service. Accepting payments from credit or debit cards or digital wallets costs 2.59% + $0.49 per transaction. You can also use Braintree to accept Venmo payments in the United States, but this costs 3.49% + $0.49....
Best payment gateway: Top 7 best payment gateways
Braintree, which belongs to PayPal, offers both in-store and online payment processing. It’s a simple service that accepts all the most popular payment methods, with a sleek interface.
Source: wise.com
Would you use Paddle, Chargebee, Chargify, or just Stripe?
The value that those services provide is a single solution for both PayPal and Stripe. It's tempting, but paying someone forever like that isn't ideal. I would roll Stripe to start, then implement Braintree for PayPal at a later time.
Australian Payment Gateways
Ideal for companies who want to want to expand globally (similar to Stripe mentioned above), Braintree (a subsidiary of PayPal) accepts payments in more than 130 currencies, with minimal fees. They also offer a premium mobile experience, accepting cards, PayPal and Apple Pay, and have flexible features including the ability to split payments between you and your...

What are some alternatives?

When comparing Cardinity and PayPal Braintree, you can also consider the following products

Stripe - Online payment processing for internet businesses. Stripe is a suite of payment APIs that powers commerce for online businesses of all sizes. Use Stripe’s payment platform to accept and process payments online for easy-to-use commerce solutions.

PayPal - PayPal is the faster, safer way to pay online without sharing financial details, send and receive money or accept credit and debit cards as a seller

Amazon Pay - Amazon Pay is an online payment service that makes checkout on your site fast and secure for hundreds of millions of Amazon customers around the world.

Payoneer - Whether making international payments, receiving funds, managing your digital business, or accessing capital, Payoneer opens your business up to the world.

PayBlox - PayBlox™ is the only platform where processors compete for your business and it’s FREE! Get multiple offers from multiple providers at once! We do all your price shopping, so you don’t have to.

ProPay - ProPay is a multiple payment making service provider that lets its users to make payment to anyone in any part of the world.