Braintree

Payment Services Directive Requirements:
Beginning September 14, 2019, European banks may decline payments which do not meet PSD2 requirements. To comply with PSD2, do one of the following:
- (Recommended) Install and configure the official Braintree payment integration extension from Magento Marketplace.
- Enable and configure the Braintree payment method in the Magento configuration.

These integrations support 3D Secure 2.0 verification. However, Braintree implementations that run on JavaScript SDK v2 do not support 3D Secure 2.0. To learn more, see 3D Secure 2.0 changes in our Dev blog.

Braintree offers a fully customizable checkout experience with fraud detection and PayPal integration. Braintree reduces the PCI compliance burden for merchants because the transaction takes place on the Braintree system.

Configure Braintree Configure Braintree

Step 1: Get Your Braintree Credentials

Visit Braintree Payments and sign up for an account.

Step 2: Complete the Basic Settings

  1. On the Admin sidebar, tap Stores. Then under Settings, choose Configuration.

  2. In the panel on the left under Sales, choose Payment Methods.

    • If your Magento installation has multiple websites, stores or views, in the upper-left corner, choose the Store View where the configuration applies.
    • In the Merchant Location section, verify that Merchant Country is set to the location of your business.
  3. Under Recommended Solutions, in the Braintree section, tap Configure. Then, do the following:

    Configure Braintree Configure Braintree

    • Enter a Title to identify Braintree as a payment option during checkout.

    • Set the current operating Environment for Braintree transactions to one of the following:

      • Sandbox
      • Production

      When testing the configuration in a sandbox, use only credit card numbers that are recommended by Braintree. When you are ready to go live with Braintree, set Environment to “Production.”

    • Set Payment Action to one of the following:

      Authorize Only Approves the purchase and puts a hold on the funds. The amount is not withdrawn from the customer’s bank account until the sale is “captured” by the merchant.
      Authorize and Capture The amount of the purchase is authorized and immediately withdrawn from the customer’s account.
    • Enter the Merchant ID from your Braintree account.

    • Enter the following credentials from your Braintree account:

      • Public Key
      • Private Key

      Basic Settings Basic Settings

    • Set Enable this Solution to “Yes.”

    • To include PayPal as a payment option with Braintree, set Enable PayPal through Braintree to “Yes.”

    • If you want the ability to store customer information securely, so customers don’t have to reenter it each time they make a purchase, set Vault Enabled to “Yes.”

      Basic Settings Basic Settings

Step 3: Complete the Advanced Settings

  1. Expand the Advanced Braintree Settings section.

  2. In the Vault Title field, enter a descriptive title for your reference that identifies the vault where your customer card information is stored.

  3. Enter the Merchant ID from your Braintree account.

  4. To use Braintree fraud protection for all transactions, set Advanced Fraud Protection to “Yes.”

    Make sure that Advanced Fraud Protection is enabled in the Settings/Protection section of your account.

  5. If you want the system to save a log file of interactions between your store and Braintree, set Debug to “Yes.”

  6. To require customers to provide the three-digit security code from the back of a credit card, set CVV Verification to “Yes.”

    If using CVV verification, make sure to enable AVS and/or CVV in the Settings/Processing section of your Braintree account.

  7. In the Credit Card Types box, hold down the Ctrl key and select each credit card that is accepted by your store as payment through Braintree.

  8. In the Sort Order field, enter a number to determine the sequence in which Braintree appears when listed with other payment methods during checkout.

    Advanced Settings Advanced Settings

Step 4: Complete the Country Specific Settings

  1. Set Payment from Applicable Countries to one of the following:

    All Allowed Countries Customers from all countries specified in your store configuration can use this payment method.
    Specific Countries After choosing this option, the Payment from Specific Countries list appears. Hold down the Ctrl key and select each country in the list where customers can make purchases from your store.

    Country-Specific Settings Country-Specific Settings

  2. To set up Country Specific Credit Card Types, do the following:

    • Tap Add.

    • Set the Country, and choose each Allowed Credit Card Type.

    • Repeat to identify the credit cards that are accepted from each country.

Step 5: Complete the PayPal through Braintree Settings

  1. Do the following to identify your PayPal through Braintree configuration:

    • Enter a Title to identify Braintree’s payment by PayPal option during checkout.

    • In the Vault Title field, enter a descriptive title to identify the vault where your customer card information is to be stored.

    • In the Sort Order field, enter a number to determine the sequence in which Braintree’s PayPal payment option appears when listed with other payment options during checkout.

    • To display your merchant name differently than what is defined in your store configuration, enter the name as you want it to appear in the Override Merchant Name field.

  2. Set Payment Action to one of the following:

    Authorize Only Approves the purchase and puts a hold on the funds. The amount is not withdrawn from the customer’s bank account until the sale is “captured” by the merchant.
    Authorize and Capture The amount of the purchase is authorized and immediately withdrawn from the customer’s account.
  3. Set Payment from Applicable Countries to one of the following for Braintree transactions processed by PayPal:

    All Allowed Countries Customers from all countries specified in your store configuration can use this payment method.
    Specific Countries After choosing this option, the Payment from Specific Countries list appears. Hold down the Ctrl key and select each country in the list where customers can make purchases from your store.
  4. To require that customers provide a billing address, set Require Customer’s Billing Address to “Yes.”

    This feature must first be enabled for your account by PayPal Technical Support.

  5. If you want customers to be able to edit the shipping address while completing a PayPal transaction, set Allow to Edit Shipping Address Entered During Checkout on PayPal Side to “Yes.”

  6. To save a log file of interactions between your store and PayPal through Braintree, set Debug to “Yes.”

  7. If you want to bypass the Order Review step before the order is submitted, set Skip Order Review to “Yes.”

    By default, Order Review is the last stage of the checkout process.

  8. To display the PayPal button on both the mini shopping cart and shopping cart page, set Display on Shopping Cart to “Yes.”

    PayPal through Braintree Settings PayPal through Braintree Settings

Step 6: Complete the 3D Verification Settings

  1. If you want to add a verification step for customers using credit cards that are enrolled in a verification program such as “Verified by VISA,” set 3D Secure Verification to “Yes.”

    During the process, the transaction amount that is submitted for verification is checked against the amount that is sent for authorization,

  2. In the Threshold Amount field, enter the minimum order amount that is required to trigger 3D verification.

  3. Set Verify for Applicable Countries to one of the following:

    All Allowed Countries Customers from all countries specified in your store configuration can use this payment method.
    Specific Countries After choosing this option, the Payment from Specific Countries list appears. Hold down the Ctrl key and select each country in the list where customers can make purchases from your store.

    3D Verification Settings 3D Verification Settings

Step 7: Dynamic Descriptors

The following descriptors are used to identify purchases on customer credit card statements. You can reduce the number of chargebacks by clearly identifying the company that is associated with each purchase. If Dynamic Descriptors are not enabled for your account, contact Braintree support.

  1. Enter the Dynamic Descriptor for the Name, Phone, and URL according to these guidelines:

    Name There are two parts to the Name descriptor, which are separated by an asterisk (*). For example:
    company*myproduct

    The first part of the descriptor identifies the company or DBA, and the second part identifies the product. The length of the Company and Product parts of the descriptor can be allocated in the following ways, for a combined length of up to twenty-two characters.

    Characters in Name Descriptor

    Option 1: Company must be 3 characters, Product may be up to 18 characters

    Option 2: Company must be 7 characters, Product may be up to 14 characters

    Option 3: Company must be 12 characters, Product may be up to 9 characters
    Phone The Phone descriptor must be ten to fourteen characters in length, and can include only numbers, dashes, parentheses, and periods. For example:
    9999999999
    (999) 999-9999
    999.999.9999
    URL The URL descriptor represents your domain name, and can be up to thirteen characters long. For example:
    company.com
  2. When your Braintree configuration is complete, tap Save Config.