Braintree ACH Direct Debit vs CellPoint Digital
Braintree ACH Direct Debit
developer.paypal.com
CellPoint Digital
cellpointdigital.comSide by side
| Figure | Braintree ACH Direct Debit | CellPoint Digital |
|---|---|---|
| Price from | $0.75/mo | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 4 | 0 |
| Spec score · Cross-Border Payment Platforms | 8.0 (#8) | 7.9 (#9) |
| Headquarters | San Jose, California, United States | The company says its headquarters are in London and Copenhagen. |
| Security and compliance | PayPal says it is fully PCI compliant and that its tokenization, vault, and orchestration services are fully PCI compliant. | The maker says OSO is PCI-DSS certified and compliant with GDPR, PSD2, LGPD, and other regulations. |
| Support | The Braintree documentation offers a Get Help link for submitting a request for help with a sandbox or production account. | The company says it operates globally from 10 offices, with customer support offices among them, and lists [email protected] as a contact email. |
Plans
Braintree ACH Direct Debit
- Standard ACH network processing$0.75 a month
- Same-day ACH network processingPriced on request
- Standard ACH direct debit$0.75, paid once
- Same-day ACH direct debit$1.50, paid once
In their own words
Braintree ACH Direct Debit
Braintree ACH Direct Debit lets customers pay by debiting a US bank account over the ACH network. It is available to eligible merchants able to build a custom client-side integration with the JavaScript v3 SDK, and it is not available in Braintree Drop-in UI. Merchants can verify accounts through network checks, micro-transfers, independent verification or instant verification using secure open banking connections. Once an account is successfully verified, its details can be tokenized as a one-time-use payment method nonce or vaulted as a persistent payment method token; verification is required before the account can be used for transactions. Server-side SDKs are listed for Java,.NET, Node.js, PHP, Python and Ruby, with a GraphQL implementation also linked. Standard ACH costs $0.75, capped at $5.00. Same-day ACH costs $1.50 plus $0.10. Published fees apply to US accounts, and use is subject to eligibility, an application and PayPal approval. Braintree identifies itself as a PayPal service.
CellPoint Digital
CellPoint Digital provides payment orchestration for airlines, hotels, and other travel merchants. Its platform brings payment data together across markets, channels, methods, and providers for reporting and performance analysis. Payment routing can consider issuer, geography, and cost, with local acquirer routing and automatic PSP failover. Other capabilities include fraud decisioning, foreign-exchange optimisation, reconciliation, settlement splits for multi-party Offer-Order bundles, payment links, instalments, and 3-D Secure. The maker describes support for 168+ payment methods, 220+ PSPs and acquirers, 100+ currencies, and over 70 countries. Merchants can integrate by API, hosted payment page, or custom hosted payment page. Hosted checkout collects sensitive details through a CellPoint-hosted form; the API is intended for sites or apps with PCI DSS requirements, while the hosted page can be used in non-PCI-compliant environments. CellPoint says its platform is PCI-DSS certified and compliant with GDPR, PSD2, LGPD, and other regulations. Pricing is on request. The company says it was founded in Copenhagen in 2007 and operates globally from 10 offices.