[mvboeke]

Michael from Braintree, here. I helped build our instant signup process.

You make an astute observation here. PayPal (and other folks who imitate their business model) have a earned a poor reputation for servicing startups whose businesses actually grow. Braintree has been winning clients away from PayPal for years on this score, and we absolutely will not embrace their model.

We are actually doing something quite different with our instant approval process. We've combined an easy signup form with years of experience and data from working with fast-growing startups. The result is truly a full underwriting process that helps us to understand your business, and can approve most merchants to accept credit cards online instantly. With an instant approval from Braintree, you will have your own merchant account and the assurance that when your startup takes-off we will be cheering for you, not witholding your funds.

[vampirechicken]

Can you answer this question: Why do you need to look at the applicant's credit report?

[mvboeke]

For us, that's part of getting to know our client. Your question implies that you don't think it's necessary for us to check a credit report - I would be curious to learn why. Feel free to send me an email at [e-mail] if you want to discuss.