[oisino]

I help run ReCharge a billing platform for ecommerce stores. We have thousands of ecommerce stores using a variety of processors. From their experiences I have seen the following.

If you process less than 80k a month: Use Stripe their API is the best and they just innovate faster than everyone else. Love these guys!

If you process 80k - 250k a month: At this level support becomes a bigger factor and unfortunately Braintree just kills Stripe on this side. The below forum post alone shows how much people hate Stripe support. I know their fixing this area but its really hard for medium size business to work with a processor without phone support. Braintree literally picks up the phone in minutes while sometimes Stripe takes days to get back. This is killer when your dealing with thousands of charges a month.

https://ecommerce.shopify.com/c/payments-shipping-fulfilment...

If you process 250k+ a month: I hate to say this but I would seriously look at Authorize or one of the traditional processors. They just provide the best rates and you have to factor how much the cost savings is worth with the increase in implementation pain.

I want to emphasize my feedback changes depending on the type of business your in and how quickly you need innovate/ change your processing. Stripe is really moving fast on new innovations which is awesome. But you have to realize basic merchant processing is a commodity so your paying a premium for non commoditized things like a great API. Also things like a great API are becoming commoditized. Stripe is smart and their launching new non commoditized features like Atlas/ Platform Functionality/ ACH etc. The only thing you have to ask yourself do you need these new innovations or just traditional merchant processing.