What are Braintree's fees?

On Braintree's published US pricing: 2.89% + 29¢ for cards and digital wallets, +1% for foreign-issued cards, +1% to charge in a currency other than USD, ACH at 0.75% capped at $5, same-day ACH at 1.5% + 10¢ and $15 per chargeback, with no monthly fee. Established businesses can negotiate custom or interchange-plus pricing. Prices as of October 2026.

How much does Braintree charge on $1,000?

$29.19 by card, leaving $970.81, or $5.00 by ACH because of the $5 cap. At 2.75% + 30¢, $1,000 by card costs $27.80 with Anytime Capital.

How do I calculate what to charge to cover Braintree fees?

Add 29¢ to the amount you want to receive and divide by 0.9711 (one minus 2.89%). To receive $50, charge $51.79. The calculator's “What to charge” mode works it out for any amount and rate.

Does Braintree charge more for international cards?

Yes: 1% more for cards issued outside the US, and 1% more again to charge in a currency other than USD, so 3.89% or 4.89% + 29¢ in all.

Is Braintree cheaper than Stripe?

On published US card pricing, slightly: 2.89% + 29¢ against Stripe's 2.9% + 30¢, which is $3.18 against $3.20 on $100. Braintree's ACH is 0.75% capped at $5 against Stripe's 0.8% capped at $5.

Is Braintree cheaper than Anytime Capital?

Below about $7 a sale, yes, by about a cent; above it, no. On $100, Braintree costs $3.18 and Anytime Capital Payments $3.05; on $1,000, $29.19 and $27.80.

Does this calculator save what I type?

No. The arithmetic runs in your browser and nothing you type is sent or stored. “Copy link to this result” puts your figures in the link itself, so they travel with it when you share it. The rates are each processor's published US pricing; yours can differ if you have negotiated pricing.

Free calculator

Braintree fee calculator

Sale amount

Rate2.89% + 29¢

Fee

$3.18

You receive

$96.82

Effective rate

3.18%

Same payment with Anytime Capital Payments · 2.75% + 30¢

Fee $3.05, you receive $96.95· $0.13 less than Braintree

First 90 days at 2.5% + 30¢: $2.80 fee Claim the launch offer

Payments a month→ $636.00 a month at Braintree, $610.00 with Anytime Capital ($312.00 a year less)

Fee on $100.00 at every rate

Cards and digital wallets · 2.89% + 29¢$3.18
Foreign-issued card · 2.89% + 29¢, +1% foreign card$4.18
Foreign card, charged in another currency · 2.89% + 29¢, +1% foreign card, +1% non-USD$5.18
ACH bank payment · 0.75%, capped at $5$0.75
Same-day ACH · 1.5% + 10¢$1.60
Anytime Capital · 2.75% + 30¢$3.05

Enter any amount to see what Braintree keeps and what you receive at each rate on its published US fee page: cards and wallets, foreign-issued cards, non-USD charges, ACH and same-day ACH. Switch to “What to charge” to work back from the amount you need. For a like-for-like card sale, the same payment at Anytime Capital Payments's 2.75% + 30¢ sits beside it, including the small sales where Braintree costs less.

The fee on a sale, or what to charge to receive an amount
Every rate Braintree publishes for US businesses
Beside the same payment at 2.75% + 30¢

Updated October 2026. Published US rates; where a figure is not published, the calculator leaves it out rather than guess.

Quick answer

How much does Braintree charge on $100?

$3.18 on a US card or wallet payment, leaving $96.82: Braintree's published rate is 2.89% + 29¢. A foreign-issued card adds 1% ($4.18), and charging in a currency other than USD another 1%. By ACH the same $100 costs $0.75. At Anytime Capital Payments's 2.75% + 30¢, a $100 card payment costs $3.05; Braintree's smaller fixed fee makes it the cheaper of the two below about $7 a sale.

Common amounts

Braintree fees on common amounts

Braintree fees on common sale amounts, with Anytime Capital's fee on the same sale
Sale	Braintree fee	You receive	Anytime Capital fee	You receive
$10	$0.58	$9.42	$0.58	$9.42
$25	$1.01	$23.99	$0.99	$24.01
$50	$1.74	$48.26	$1.68	$48.32
$100	$3.18	$96.82	$3.05	$96.95
$250	$7.52	$242.48	$7.18	$242.82
$500	$14.74	$485.26	$14.05	$485.95
$1,000	$29.19	$970.81	$27.80	$972.20
$5,000	$144.79	$4,855.21	$137.80	$4,862.20

Braintree: cards and digital wallets at 2.89% + 29¢. Anytime Capital: 2.75% + 30¢, or 2.5% + 30¢ for the first 90 days with the launch offer. Each fee rounded to the cent.

Work backwards

What to charge to receive an exact amount

What to charge so you receive each amount after Braintree fees, and after Anytime Capital's
To receive	Charge on Braintree	Charge on Anytime Capital
$25	$26.04	$26.02
$100	$103.27	$103.14
$500	$515.18	$514.45
$1,000	$1,030.06	$1,028.59
$5,000	$5,149.10	$5,141.70

The smallest charge, to the cent, that leaves at least the target after the fee: (target + fixed fee) ÷ (1 − percentage), rounded up.

Published rates

Every Braintree rate on a $100 payment

Braintree's published US rates and the fee each charges on a $100 payment
Payment	Published rate	Fee on $100	You receive
Cards and digital wallets	2.89% + 29¢	$3.18	$96.82
Foreign-issued card	2.89% + 29¢, +1% foreign card	$4.18	$95.82
Foreign card, charged in another currency	2.89% + 29¢, +1% foreign card, +1% non-USD	$5.18	$94.82
ACH bank payment	0.75%, capped at $5	$0.75	$99.25
Same-day ACH	1.5% + 10¢	$1.60	$98.40
Anytime Capital, US online card or wallet	2.75% + 30¢	$3.05	$96.95

Braintree's published US pricing as of October 2026. Launch offer: 2.5% + 30¢ for your first 90 days, $2.80 on $100.

How Braintree's fee is worked out

Braintree charges 2.89% + 29¢ for cards and digital wallets: the amount × 0.0289 + $0.29. On a $150 sale that is $4.34 + $0.29 = $4.63, and you receive $145.37.

Cross-border payments stack. A card issued outside the US adds 1%, and charging in a currency other than USD adds another 1%, so a foreign card charged in euros costs 4.89% + 29¢: $5.18 on the equivalent of $100. Bank payments are far cheaper for large amounts: ACH is 0.75% capped at $5, so a $3,000 invoice costs $5.00 by ACH against $86.99 by card. Same-day ACH is 1.5% + 10¢.

What to charge so you receive an exact amount

Add the fixed fee to the amount you want and divide by one minus the percentage: charge = (target + $0.29) ÷ (1 − 0.0289). To receive $100, charge $103.27; to receive $1,000, charge $1,030.06. The calculator's “What to charge” mode does it for every Braintree rate, including the ACH cap.

Grossing up a price is different from adding a separate card surcharge. Surcharges are restricted by card-network rules and some state laws: they are capped, must be disclosed before payment and are not allowed on debit cards. Building the fee into your price, or invoicing large amounts by bank payment, avoids the question. This is general information, not legal advice.

Braintree fees this calculator leaves out

The calculator covers the processing fee on each payment. These are priced separately, as of October 2026:

Disputes: $15 per chargeback
Fraud: Chargeback Protection from 0.4% of each transaction and Effortless Chargeback Protection from 0.6%
Instant payouts: not published on Braintree's fee page
Monthly fee: $0; custom and interchange-plus pricing for established businesses

The same sale with Anytime Capital

On published US card pricing the two are close. Braintree's 2.89% + 29¢ has the higher percentage and the 1¢ smaller fixed fee, so it costs less below about $7 a sale and more above it: $3.18 against $3.05 on $100, and $29.19 against $27.80 on $1,000. New Anytime Capital businesses pay 2.5% + 30¢ for their first 90 days.

The bigger difference is what comes with it. Braintree is a gateway for engineering teams that want cards, PayPal and Venmo in one API. Anytime Capital Payments takes payment links, invoices and in-person payments with no code, and settled sales land instantly in your Anytime Capital business account. If PayPal and Venmo in one integration is the point, Braintree is the better fit.

Beyond the feeBraintree vs Anytime Capital: the full comparisonPayout speed, fraud tools, in-person options, support, and where Braintree is the better choice.

Launch offer

Try Anytime Capital Payments: 2.5% + 30¢ for your first 90 days

Then 2.75% + 30¢ per card or wallet payment, with no monthly, setup or PCI fees. Links, invoices and in-person payments from day one, instant payouts to your Anytime Capital business account, and payouts on local rails in 71+ countries.

Claim 2.5% + 30¢See pricing

2.75% + 30¢ online, 2.5% + 30¢ for 90 days
No monthly, setup or PCI fees
Instant payouts to your business account, 24/7
Live US business team

Questions