We use their security measures and have had 30 disputes which we are losing because "card not present". How is an online processor supposed to be trusted if the reason a company loses disputes is because the card wasn't present. There are addresses we sent the physical products to, so there is obviously someone that can be found to pay the credit card company. We stopped using them and went back to PayPal. Trust the reviews, Braintree is garbage. I will say, billing address matches, AVS matches, CVV matches, etc. and still we lose disputes because the customer had it shipped to a different address.