I have to to agree with the experience of others. I was approached by them due to the amount of business we do with PayPal, and you (in the UK anyway) deal with PayPal in Dublin.The application process is a little tiresome, but as the card acquirer is ultimately responsible for any losses incurred by customers that's fine. But the information was lost, and then found, and then lost and found again. People came and went, so you weren't dealing with the same person through the process. Some of the questions asked were somewhat bizarre, and at one stage they asked why why our payables turnover was 915 days? Eh? Where did that come from?We got rates, but we queried them as they were stated Visa and MasterCard interchange rates were 10% of what they actually are.The Braintree UI is very good, but at the end of the day you have to trust your card acquirer to do what they say they're going to do. And I had the uncomfortable feeling that just wasn't going to happen, so have stayed where I am.For others reading this, our Visa/MasterCard turnover is £5M give or take.