Moneta vs Braintree
Compare payment processing fees and features. See how much your business can save by switching from Braintree to Moneta's zero-fee stablecoin payments.
Savings Calculator
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Detailed Fee Comparison
| Fee Type | Moneta | Braintree |
|---|---|---|
| Transaction Fee (%) | 0% | 2.59% |
| Fixed Fee per Transaction | ~$0.001 | $0.49 |
| Currency Conversion / FX Markup | 0% | 1% |
| Chargeback Fee | N/A | $15-25 |
| Settlement Time | Instant | 2-7 days |
| Withdrawal Fee | $0 | Varies |
Feature Comparison
Real-World Savings Scenarios
Mobile App Startup
$50,000/month
A mobile app processing in-app purchases. Braintree's 2.59% + $0.49 on $50K monthly equals $1,295+ in fees.
Subscription SaaS
$100,000/month
A SaaS company with recurring billing. Braintree fees on $100K monthly recurring revenue exceed $2,590.
Two-Sided Marketplace
$200,000/month
A marketplace using Braintree for split payments. Processing fees on $200K GMV exceed $5,180 monthly.
E-commerce Platform
$75,000/month
An online store accepting cards and PayPal. Braintree's fees on $75K monthly equal $1,940+ in processing costs.
Pros and Cons
Moneta
Pros
- Zero transaction fees (vs 2.59% + $0.49)
- No per-transaction fee
- Instant settlement
- No chargeback risk
- Self-custody of funds
- Ideal for microtransactions
- No PayPal dependency
- Works globally without restrictions
Cons
- No card payment acceptance
- No PayPal/Venmo integration
- Simpler API than Braintree
- No drop-in UI components
- No card vaulting
- Less advanced subscription features
Braintree
Pros
- Comprehensive developer API
- PayPal and Venmo integration
- Drop-in UI for quick integration
- Card vaulting for recurring payments
- Advanced subscription management
- Braintree Marketplace for platforms
- Extensive SDKs and documentation
- Fraud protection tools
Cons
- 2.59% + $0.49 per transaction
- High per-transaction fee impacts small purchases
- 2-3 day settlement time
- Chargeback fees and risk
- PayPal ownership concerns for some
- Account holds possible
- International fees additional
Which Should You Choose?
Choose Moneta if you:
- Want to eliminate payment fees
- Process many small transactions
- Have crypto-accepting users
- Need instant settlement
- Want to avoid chargeback risk
- Prefer simple integration
- Don't need PayPal/Venmo
Choose Braintree if you:
- Need card payment acceptance
- Want PayPal/Venmo integration
- Require advanced subscription billing
- Need drop-in UI components
- Run a marketplace needing split payments
- Prefer comprehensive developer tools
Frequently Asked Questions
How does Moneta compare to Braintree for developers?
Braintree offers a comprehensive, developer-friendly API with SDKs, drop-in UI, and extensive documentation. Moneta's API is simpler—focused on stablecoin payments. For card processing, Braintree's tools are superior. For stablecoin payments, Moneta's simplicity and zero fees win.
Can Moneta replace Braintree for my app?
It depends on your payment needs. If users pay with cards or PayPal, you need Braintree. If you can accept stablecoin payments (common in crypto, gaming, and international apps), Moneta eliminates the 2.59% + $0.49 fee entirely.
What about Braintree's PayPal and Venmo integration?
Braintree's PayPal ownership provides seamless PayPal and Venmo integration. Moneta doesn't integrate with these platforms. If your customers prefer PayPal/Venmo, Braintree is necessary. For direct payments, Moneta offers significant savings.
How do recurring billing capabilities compare?
Braintree offers advanced subscription management with card vaulting, retry logic, and proration. Moneta's recurring billing is more basic—you'd handle subscription logic yourself. For complex subscription businesses, Braintree's features may be worth the fees.
Is Braintree's marketplace solution better than Moneta?
Braintree Marketplace handles split payments, escrow, and multi-party transactions with compliance built-in. Moneta can handle splits via smart contracts but requires more custom development. For traditional marketplaces, Braintree is more turnkey.
What about the $0.49 per-transaction fee?
Braintree's $0.49 per-transaction fee particularly impacts businesses with many small transactions. A $10 purchase loses 7.5% to fees (2.59% + $0.49). Moneta charges virtually nothing regardless of transaction size, making it ideal for microtransactions.
About Braintree
Braintree is a PayPal-owned payment platform founded in 2007, known for powering payments for companies like Uber, Airbnb, and GitHub. It offers a developer-friendly API for accepting cards, PayPal, Venmo, and digital wallets. Braintree's pricing is competitive at 2.59% + $0.49, but fees still add up significantly for growing businesses, and the PayPal ownership means some features overlap with the parent company.
Ready to switch from Braintree?
Join thousands of businesses saving $4,895/year by switching to zero-fee stablecoin payments.
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