Need more information. What is your price point? Do you need to be able to manually bill? (i.e. for Enterprise and contract managed sales rather than self-ser

Need more information. What is your price point? Do you need to be able to manually bill? (i.e. for Enterprise and contract managed sales rather than self-serve... the difference being: invoicing, purchase orders) Is this all subscription stuff, or are you doing one-off? Does your market care about PayPal or is it all credit card? You could probably boil it down to: If you care about PayPal then go Braintree, otherwise go Stripe. But it's not as easy as that, something one can only learn through experience is which gateway will bill more transactions for exactly the same users and subscriptions? And yes, there will be a difference as banks treat different requestors differently, having different fraud profiles, etc. It's so incredibly complex a question, that it needs vastly more information to answer. But if you're early days, and cannot answer the questions fully, then just decide whether you think you care about PayPal and if not go Stripe to simplify everything. Oh, and whatever you do... abstract away the payments and subscription stuff. Everyone changes their payments provider at some point, just put it all in one neat place so you can reduce the footprint of it for the time being.