Braintree ACH Direct Debit vs PayU Global Payments
Braintree ACH Direct Debit
developer.paypal.comPayU Global Payments
corporate.payu.comSide by side
| Figure | Braintree ACH Direct Debit | PayU Global Payments |
|---|---|---|
| Price from | $0.75/mo | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 4 | 1 |
| Spec score · Cross-Border Payment Platforms | 8.0 (#8) | 7.3 (#19) |
| Headquarters | San Jose, California, United States | Amsterdam, Netherlands |
| Security and compliance | PayPal says it is fully PCI compliant and that its tokenization, vault, and orchestration services are fully PCI compliant. | PayU describes its payment gateway as PCI-certified and its processor as PCI Level 1-certified, and says it supports 3D Secure 2.0. |
| Support | The Braintree documentation offers a Get Help link for submitting a request for help with a sandbox or production account. | Prospective customers can contact PayU through a form to hear from a team member, and the page lists an Amsterdam address. |
| What it does | ACH Direct Debit lets customers pay by debiting a US bank account over the ACH network. | PayU’s global platform combines payment gateway, processing, and, in some markets, acquiring bank services for online transactions. |
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.
PayU Global Payments
PayU Global Payments provides online payment processing and orchestration for merchants selling across markets. Its platform combines a payment gateway and processing, with acquiring bank services available in some markets. Merchants can connect to hundreds of local and global methods, including cards, digital wallets, online bank transfers, QR payments, deferred payments, local schemes and other alternatives. It supports local settlement, multi-currency handling and more than 20 transaction and payout currencies. The Smart Routing Engine uses criteria set by the merchant to route transactions, with the aim of optimizing approvals and fees. Instant Retry can send a declined transaction through another provider to help recover false declines. A shared dashboard shows approval rates and other metrics, compares methods and providers, and supports account management, reports, analysis and audits. Tokenization encrypts payment data and can reduce a merchant’s PCI scope. PayU describes itself as a PCI Level 1-certified processor and says it supports 3D Secure 2.0. Merchants can set up global payments through one API. Pricing is available by contacting PayU.