Braintree vs Stripe for indie SaaS - fees, approval, and red flags.

At early MRR, fixed fees and merchant-of-record convenience can matter more than headline base rates. That is why `/match` calculates effective fee on a projected revenue band instead of only echoing the pricing page.

Approval timing alone is not enough. The more important difference is whether the platform expects a company already in place, and how closely your product category approaches a published restricted-business boundary.