Braintree ACH Direct Debit vs Getpaid

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.

Getpaid provides embedded payments and monetization for software platforms with their own merchant networks. Its flows include hosted checkout, multi-party split settlement, subscriptions, invoicing, wallet top-ups, and agent payments. A transaction can be divided atomically among a platform, merchants, sub-merchants, and other recipients. Fee rules may be percentage-based, fixed, tiered, blended, or mixed, and can vary by merchant, tier, end customer, or region. Hosted checkout is available now with white-label branding, custom copy, multiple languages, cards, bank payments, wallets, and local methods. The company advertises 160+ payment methods. Billing includes invoice delivery, collections, retries, subscription lifecycle management, and SEPA Direct Debit. Wallets support instant balance credit, automatic top-ups, and an API ledger. Developers receive a REST API, sandbox, hosted checkout, and Postman collection; embedded components and API-only integration are coming soon. Getpaid describes KYC/KYB, sanctions screening, monitoring, fraud controls, EU hosting, GDPR processing, and PCI DSS Level 1 partners.