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I like Braintree's model a bit more, the provide the API consumer with the raw AVS and decline codes from the card processor (while Stripe just says "card_decli

I like Braintree's model a bit more, the provide the API consumer with the raw AVS and decline codes from the card processor (while Stripe just says "card_declined"). Braintree also allows you to do finer grain controls such as "Decline charges that fail a zip code check for charges over $500" or "Decline if the bank doesn't support zip code checks." And with about 2 lines of code you can add more advanced things like device fingerprinting and geolocation through Kount. *Disclaimer: while I don't work for Braintree yet, I start there in June (though my experience with Stripe is very strong).

rwmurrayVT 11y ago
Anything PayPal is intense. Security>convience with them
SyneRyder 11y ago
> "Decline if the bank doesn't support zip code checks." Being able to turn that on & off would be incredibly useful. As far as I know most non-US banks don't support zip code verification, so enabling it effectively blocks international transactions. It's frustrating trying to explain to a small non-technical business the difference between "zip code check not supported" and "zip code check failed".