What do I need to get started?

What you will need

Business bank account

We’ll deposit your funds into this account automatically – it’s up to you to decide which institution you use for your business’s bank account.

Merchant account

A merchant account is not a bank account – it's what we use to route funds from your customers’ accounts to your business bank account. We provide a merchant account as a part of the Fintech Direct setup. A merchant account is similar to a line of credit, which is why we have you go through an application process when you sign up.

If you already have your own merchant account, it’s possible to continue using it with our gateway. Keep in mind that if you use another merchant account provider, they will have fees associated with their services on top of our processing fees. If you are interested in a gateway-only integration, contact our Sales team for more details.

Payment gateway

Braintree’s payment gateway will connect you to all of the banking institutions and payment processors that you need in order to collect money from your customers. You’ll give the payment information to Braintree, and we’ll let you know if the transaction was approved by the bank.

Developer knowledge

Integrating with a payment gateway is a developer’s job. We are renowned for having one of the easiest integrations your developers will ever complete – offering 3 client SDKs (software development kits) for both mobile and web platforms as well as server-side libraries in 6 common languages. While integration times can vary depending on your business, an experienced developer can complete a basic integration with FinTech in less than half an hour.