I work at Stripe and would love to hear how we could improve the experience of integrating with Rails. Just shoot me an email ([email protected])—even bullet points are helpful. Thank you!

I'll take a look and shoot you an email. Hopefully I'll be able to refresh my memory, it's been a little while.

When you switch payment providers, how are you going to obtain new payment tokens for subscriptions? I.e. Stripe will give you a payment token for processing but if you switch to another provider you do not have the card details to create a new token with the new provider. Would you have your customers re-enter their card details?

To their credit, Stripe have previously given public and pretty unambiguous assurances that if you do decide to move away, they will co-operate to transfer the sensitive card data in their vault to another service, subject to some reasonable concerns about PCI compliance and the like. So at least from Stripe's side, that should mean you don't have to trouble your customers about re-entering details.

I don't personally know anyone who's actually done this, so I can't comment on how well it works in practice.

Another advantage in this situation is that Braintree does not charge a monthly fee. So if you don't end up making a lot of sales, you don't get stuck with a monthly payment.

Stripe doesn't have a monthly fee either.