Braintree

Braintree, a PayPal service, provides an end-to-end payment platform for businesses, focusing on global payment processing, fraud management, and mass payouts. It enables merchants to accept various payment methods, including credit/debit cards, digital wallets, and local options, across over 200 markets and 50 currencies. The platform offers tools for optimizing payment operations, managing risk, and streamlining payouts for enterprises.

Braintree, now PayPal Enterprise Payments, is primarily a payment processing solution for businesses, enabling them to accept various payment methods globally. While it facilitates international payments and offers features like batch payments and API integration, it does not explicitly offer a multi-currency account for users to hold balances in different currencies, nor does it mention mid-market exchange rates or a borderless debit card, which are core to the Wise concept. Its focus is on merchant payment acceptance and payouts, rather than individual or business multi-currency management with mid-market rates.