No. 20 of 30 ·Payment Fraud Detection Software

Braintree ACH Direct Debit

Name: Braintree ACH Direct Debit
Price: 0.75 USD

Web · Android · iPhone · API

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Freedom report

Two barsScore 5.1

Free tierNo free tier on record
Open codeNo open-source code on record
Runs widely3 of 6 device platforms
DocumentedPlans, terms and facts published

Braintree ACH Direct Debit is ranked #20 of 30 in payment fraud detection software on Freedom251. It runs on Android, API, iOS, Web. There is no free plan.

Braintree ACH Direct Debit plans and pricing

All plans

Standard ACH direct debit $0.75 once Per transaction via standard ACH network processing schedule; maximum fee $5.00 US accounts · Eligible merchants · Custom client-side integration required paypal.com · 3 Oct 2026

Same-day ACH direct debit $1.50 once Per transaction via same-day ACH network processing window, plus $0.10 US accounts · Eligible merchants · Custom client-side integration required paypal.com · 3 Oct 2026

Compared on payment fraud detection software

Free plan: No
Risk and underwriting: Yes
Payment method depth: cards-and-bank

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The record

What it does: ACH Direct Debit lets customers pay by debiting a US bank account over the ACH network.
Merchant eligibility: ACH Direct Debit is available to eligible merchants who can implement a custom client-side integration using the JavaScript v3 SDK.
Checkout limitation: ACH Direct Debit is currently not available in Braintree Drop-in UI.
Bank verification: Verification methods include network check, micro-transfers, independent verification, and instant verification through secure open banking connections.
Tokenization and vaulting: Bank details can be tokenized into a one-time-use payment method nonce and vaulted as a persistent payment method token, but the account must be successfully verified before it is transactable.
Server integrations: The server-side guide lists Java, .NET, Node.js, PHP, Python, and Ruby SDKs, and links to a GraphQL implementation.
Instant verification: Instant verification lets customers authenticate directly with their bank through open banking connections so merchants can confirm account validity before initiating an ACH payment.
Support: The Braintree documentation offers a Get Help link for submitting a request for help with a sandbox or production account.
Pricing scope: The published Braintree fees apply to US accounts and use of Braintree is subject to eligibility, application, and PayPal approval.
Additional ACH fees: The fee page lists $5.00 for ACH transactions returned by the banking network and $5.00 when a customer disputes a transaction as unauthorized.
Security and compliance: PayPal says it is fully PCI compliant and that its tokenization, vault, and orchestration services are fully PCI compliant.
Maker relationship: Braintree identifies itself as a PayPal service.
Headquarters: San Jose, California, United States

Where it ranks on Freedom251

Best Payment Fraud Detection Software in 2026#20 of 30
Best Payment Facilitation Platforms in 2026#11 of 25

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Sources

developer.paypal.com/braintree/docs/guides/ach/overview· checked 3 Oct 2026
developer.paypal.com/braintree/docs/guides/ach/server-side/r· checked 3 Oct 2026
developer.paypal.com/braintree/docs/guides/ach/instant-verif· checked 3 Oct 2026
paypal.com/us/enterprise/paypal-braintree-fees· checked 3 Oct 2026
braintreepayments.com/security· checked 3 Oct 2026