Tip Hat to the author for updating this. FYI Braintree's gateway was under similar margin and competitive pressure as a regular "Full stack" provider. There is

Tip Hat to the author for updating this. FYI Braintree's gateway was under similar margin and competitive pressure as a regular "Full stack" provider. There is a point where one can build their on PG. Or there are generic no name alternatives that run in the 1 - 3 cent range. These are bare bone services but once folks hit scale they replace (by building up deep understanding of payments) much of the value add of Braintree (acting as a super friendly partner bringing you into the online world) would bring.