Cross-Border Capabilities Compared
Braintree and 2Checkout, now branded as Verifone, attack the international payments landscape using totally different methods. Braintree works best in developed regions where direct-acquiring capabilities are local and valid in up to 45 countries, thus saving cross-border fees by over 1.5%. In contrast, 2Checkout prides itself on having a stronger arm in emerging markets, with local payment support in 87 languages for such instruments as Boleto in Brazil and POLi in Australia. Where it might please Braintree to keep foreign exchange conversions, they offer actual-time FX 1% over interbank rates, compared with 2Checkout’s 2%. In regard to subscription models, Braintree truly excels with its recurring billing functionality, allowing customization of retry logic and metered billing. 2Checkout, on the other hand, accepts other high-risk verticalsshunned by Braintreeincluding digital gaming and nutraceuticals.
Implementation Considerations
In contrast to 2Checkout, which excels at easy-to-use hosted checkout solutions, Braintree requires higher levels of technical integration with SDKs and REST APIs. In excess of this functionality, 2Checkout is capable of far smoother global tax compliance with automatic VAT/GST collection and remittance in over 100 countries and gives Braintree’s manual approach a real run for its money. Braintree’s fraud prevention is a tale apart-two complex machine-learning evalua-tion with 132 risk signals, while 2Checkout seems to rely more on simple rules and third-party services. Payment options vary with location – Braintree rearranges the options dynamically while with 2Checkout, merchants would have to do this manually. Merchants will be charged an extra volume commitment fee of over $4.50 base fees to 3.5% plus $0.30.
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