Braintree

Two Minute Billing charges saved cards, PayPal accounts and Venmo accounts through your Braintree account. You keep your Braintree rates, and Braintree pays out to your bank as usual.

Before you start

• A Braintree sandbox account to test with, and a production account to go live.
• Braintree has a separate sandbox and production Control Panel, with different API keys and a different merchant ID. Connect the sandbox values to a test business and the production values to a live business.
• Each Braintree merchant account settles in one currency. Find the merchant account ID for each currency you sell in.
• You need permission to manage payment gateways in Two Minute Billing. The owner and admin roles have it.
• PayPal (optional): your PayPal business account must be linked to Braintree. See Turn on PayPal, Venmo, 3D Secure and the account updater.
• Venmo (optional): only for a business in the United States that charges in US dollars. Braintree turns it on for your merchant account.
• 3D Secure (optional): if it is on in your Braintree account, buyers confirm their card with their bank when they save it or pay now. Renewals do not ask the buyer again.

Find your API keys

Sign in to the Braintree Control Panel for the environment you are connecting: sandbox or production. Click the gear icon at the top right and select API. Under API Keys, click View in the Private Key column. If there is no key, click Generate New API Key.

The Merchant ID is on the same API page. For the merchant account IDs, click the gear icon and select Business: they are in the first column under Merchant Accounts.

You need these values:

For example, USD=fernhill_usd, EUR=fernhill_eur charges US dollars on one merchant account and euros on the other. Select the same currencies on the gateway account.

Permissions

The user must also have access to every merchant account you enter under Currencies and merchant accounts.

Webhook: you add the webhook by hand. The user who adds it needs the Manage Webhooks permission.

PayPal, Venmo, 3D Secure and the account updater use the same permissions. They need no other role permission: you turn them on for your Braintree account instead.

Turn on PayPal, Venmo, 3D Secure and the account updater

If a buyer cannot complete 3D Secure, Two Minute Billing does not save the card or take the payment. It follows Braintree's own list of 3D Secure results to refuse. A card that cannot use 3D Secure at all (for example, the bank does not take part) is saved and charged as usual.

Connect it in Two Minute Billing

1. Open Settings → Payment gateways and click Add gateway.
2. Select Braintree and paste the Merchant ID, the Public Key and the Private Key. Type your currencies and merchant accounts.
3. Select the currencies and the payment methods this account handles.
4. Click Create gateway account.

Then open the account and click Check credentials. Healthy means Braintree accepted the keys. The check does not test the merchant accounts: a wrong merchant account ID shows at the first charge in that currency. It does not test PayPal or Venmo either: if a method is not on in Braintree, buyers do not see its button.

The payment methods you can turn on for Braintree:

• Cards — If 3D Secure is on in your Braintree account, the buyer confirms the card with the bank.
• PayPal — Link your PayPal business account in the Braintree Control Panel first.
• Venmo — US businesses only, USD only. Ask Braintree to turn on Venmo for your merchant account first.

Currencies

Two Minute Billing offers these 126 currencies on Braintree:

AED, AMD, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BIF, BMD, BND, BOB, BRL, BSD, BWP, BYN, BZD, CAD, CHF, CLP, CNY, COP, CRC, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ETB, EUR, FJD, FKP, GBP, GEL, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HTG, HUF, IDR, ILS, INR, ISK, JMD, JPY, KES, KGS, KHR, KMF, KRW, KYD, KZT, LBP, LKR, LRD, LSL, MAD, MDL, MKD, MNT, MOP, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SEK, SGD, SHP, SOS, SRD, SVC, SZL, THB, TJS, TOP, TRY, TTD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VES, VND, VUV, WST, XAF, XCD, XOF, XPF, YER, ZAR

Each merchant account takes one currency. For each other currency, you need a different merchant account.

Some payment methods take one currency only:

If you leave Currencies empty on the gateway account, the account takes each currency of your business that is on this list.

Webhooks

Braintree tells Two Minute Billing about disputes, about payments that settle or fail to settle, about PayPal and Venmo accounts that a buyer disconnects, and about cards that the account updater changes.

Braintree does not let Two Minute Billing register the webhook, so you add it in Braintree yourself.

1. In the Braintree Control Panel, go to Settings → Webhooks → Create New Webhook.
2. Paste the notification URL from the gateway account page.
3. Select all Disputes events, the Payment Method Revoked By Customer event and the Account Updater Daily Report event.
4. If the list shows Refund Failed, select it.
5. If the list shows Transaction Settled and Transaction Settlement Declined, select them. The list shows them only when ACH or SEPA Direct Debit is enabled on your merchant account.
6. Do not select subscription events. Then click Create Webhook.
7. Your API keys sign the events. You do not need a webhook secret.

A refund made in the Braintree Control Panel, or a payment declined at settlement, does not come by webhook. Two Minute Billing finds it by a search each hour, so it can take up to an hour to show.

When a buyer disconnects PayPal or Venmo from your business, the saved method is marked invalid and the next renewal uses the customer's backup method. When the account updater changes a card's number or expiry date, the saved card shows the new last four digits and expiry date. The card keeps the same Braintree token.

Test it

In your test business, create a customer and save the test card 4111 1111 1111 1111 with a future expiry date. Collect an invoice: it is marked paid, and Logs shows the call to Braintree and Braintree's answer.

To see a decline, charge an amount from 2000.00 to 2999.99: the sandbox declines it.

PayPal. The PayPal button in the payment form needs a linked PayPal sandbox account (see Turn on PayPal). Sign in with a PayPal sandbox personal account, not your business account: PayPal declines a payment from your own business account. A PayPal payment settles at once, so you can refund part of it straight away.

Venmo. Your sandbox merchant account needs Venmo turned on. Without it, a Venmo charge fails as a payment gateway setup problem, and Logs shows Braintree's answer "Merchant account does not support payment instrument".

3D Secure. With 3D Secure on in your sandbox, save these cards with an expiry date in January, three years from now:

The account updater cannot be tested in the sandbox.

Go live

1. Sign in to the production Control Panel and copy the production Merchant ID, Public Key, Private Key and merchant account IDs.
2. In your live business, add Braintree with those values.
3. Add the webhook in the production Control Panel too, with the notification URL of the live gateway account. Follow the steps under Webhooks.
4. Link your PayPal business account in the production Control Panel, and ask Braintree to turn on Venmo, 3D Secure or the account updater there if you use them.

Troubleshoot

• Check credentials says "We could not check the credentials." with "Braintree refused the API keys (HTTP 401)". The keys are wrong, or they come from the other environment. Copy them again from the Control Panel that matches the business: sandbox for test, production for live.
• A charge fails with "This Braintree account has no merchant account for EUR." Add that currency to Currencies and merchant accounts, for example EUR=lumenfield_eur. Or connect a gateway that takes that currency.
• The payment form shows no PayPal or Venmo button. The method is not on in Braintree for this merchant account, or not selected on the gateway account. Venmo also shows only for US dollars and in a browser that Venmo supports.
• "Your bank did not confirm this card." 3D Secure failed or the buyer closed the challenge. The buyer can try again or use a different card. Nothing was charged.
• Check credentials shows "does not start with a currency code". Each item in Currencies and merchant accounts starts with a three-letter currency code, such as USD or USD=lumenfield_usd. Separate the items with commas.
• Pay now shows no Apple Pay. That is expected: Braintree does not offer Apple Pay here (see the note at the top of this page).

Related

• Payment gateways overview
• Recover failed payments
• Handle disputes