Braintree Due Diligence
Run due diligence on Braintree: check compliance and get alerts when suppliers change.
United States · www.braintreepayments.com · 30 vendors
Braintree is a global payment processing solution that enables businesses to accept online and in-app payments. It provides an end-to-end checkout experience, supporting various payment methods like credit/debit cards, PayPal, Venmo, and digital wallets. The company also offers fraud detection and data security for e-commerce businesses.
Resilience scores
- Digital Sovereignty: 87
- Digital Resilience: 9
- Financial Resilience: 8
Technology vendors
- Apple Inc. — Technology — United States
- Varnish Software AB — Technology — Sweden
- Venmo — United States
- and 28 more
Services catalogue
6 services in catalogue across 4 categories; runs on 30 sub-vendors.
- Payouts API
- Braintree
- Payment processing
Insights
Last updated 2026-08-15 · revision 11
30 direct vendors, 217 subvendors
Direct vendors by controlling owner country (sample)
- Belgium: 1
- Sweden: 1
- United States: 26
Subvendors by controlling owner country (sample)
- Brazil: 1
- Unknown: 1
- India: 2
Compliance
10 in-scope frameworks identified; showing 3.
NIS2 (source) — No public evidence
Evidence: https://developer.paypal.com/braintree/articles/risk-and-security/compliance/overview, https://www.braintreepayments.com, https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32022L2555, https://developer.paypal.com/braintree/articles/risk-and-security/compliance/network-compliance
ISO 27001 (source) — No public evidence
Evidence: https://developer.paypal.com/braintree/articles/risk-and-security/compliance/pci-compliance, https://www.braintreepayments.com, https://developer.paypal.com/braintree/articles/risk-and-security/overview
GDPR (source) — Evidence found
Evidence: https://developer.paypal.com/braintree/articles/risk-and-security/compliance/data-protection-laws, https://www.paypal.com/us/webapps/mpp/ua/privacy-full, https://www.braintreepayments.com/legal, https://developer.paypal.com/braintree/articles/risk-and-security/compliance/overview
Financials
Three-year financials
- 2024: revenue $31.80B, EBIT $5.33B, equity $19.74B
- 2023: revenue $29.77B, EBIT $5.03B, equity $19.09B
- 2022: revenue $27.52B, EBIT $3.84B, equity $16.44B
Financial Resilience Score: 8/10
Braintree is a wholly-owned subsidiary of PayPal Holdings, Inc. (NASDAQ: PYPL), and therefore its financial resilience is anchored to PayPal's investment-grade balance sheet (historically S&P: A-, Moody's: A3). PayPal is a large, cash-generative company with consolidated revenues of ~$31.8B in FY2024 and operating income of ~$5.3B, providing substantial backing to the Braintree unit. Braintree itself has been consistently identified by PayPal management as the fastest-growing part of PayPal's processing business, with TPV growth of 20-30%+ YoY in 2022-2023. Braintree powers checkout for major enterprise merchants including Uber, Airbnb, StubHub, Booking Holdings, Meta/Facebook, Live Nation, TikTok, and Adobe, giving diversified, large-volume merchant exposure. However, Braintree's lower take rate relative to PayPal-branded checkout has pressured consolidated transaction margins, and the unit faces intense competition from Stripe, Adyen, Fiserv, and Block. The 2023 leadership change under CEO Alex Chriss has shifted strategy from volume growth to profitable growth, including selective price increases. Risks include customer concentration among a small number of very large marketplace/gig-economy merchants, regulatory exposure to interchange and payments regulation in the US and EU, and lack of standalone financial transparency that makes independent analysis difficult. Overall, resilience is strong due to parent backing but tempered by competitive and margin pressures.
Key strengths: Backed by PayPal Holdings' investment-grade balance sheet (S&P: A-, Moody's: A3), Fastest-growing unit within PayPal with 20-30%+ YoY TPV growth in 2022-2023, Diversified enterprise merchant base including Uber, Airbnb, Meta, TikTok, Adobe, PayPal group TPV of ~$1.53 trillion in 2023 with Braintree as a major contributor, PCI DSS Level 1 compliance and strong developer platform/SDK ecosystem, PayPal generates consolidated operating income of ~$5.3B (FY2024)
Risk factors: Lower take rate than PayPal-branded checkout, creating margin pressure, Customer concentration among a small number of very large merchants, Intense competition from Stripe, Adyen, Fiserv, and Block, Regulatory/interchange exposure in US and EU markets, Strategic uncertainty from PayPal's shift from volume to profitable growth, No standalone financial transparency, making independent analysis difficult
Revenue by geography
- United States: 57%
- International: 43%
Revenue by product/service
- Transaction revenues: 92%
- Other value-added services: 8%
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