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.