Braintree

What Is Braintree Funding?

In Braintree, "funding" is the step where money you have already earned actually reaches your bank account. A card payment moves through three stages: it is authorized when the customer checks out, settled when Braintree submits the day's batch to the card networks, and funded (or disbursed) when the settled money is swept into your bank account.

Braintree Direct manages that funding step for you, so the practical question for most merchants is not whether you get paid but when.

How Long Braintree Funding Takes

Timing depends on your account, your card mix, and, most of all, your country:

• Settlement batches close once a day. Every account has a fixed batch cut-off time; transactions captured after it roll into the next day's batch.
• Visa and Mastercard funding typically lands 1-3 business days after a transaction is submitted for settlement in markets like the US and Australia.
• Some regions are dramatically slower. In Brazil, for example, credit card funds are disbursed roughly 30-32 calendar days after settlement, and installment transactions are paid out on a schedule beginning at that same 30-32 day mark.
• Debit cards and refunds run on their own clocks. Refunds are generally applied within about two business days of settling.
• The disbursement date is not the arrival date. Braintree reports the day it sent the money; your bank decides when it posts, which adds a day or more over weekends and bank holidays.

Braintree publishes a country-by-country settlement and funding timeline. Check the version for your own market rather than assuming the US schedule applies.

Why Braintree Funding Gets Delayed

When a disbursement is later than expected, it is usually one of a handful of causes:

• The transaction was authorized but never captured, so it never entered a settlement batch
• Missing, outdated, or mistyped bank account details on the merchant account
• A risk review, rolling reserve, or hold applied to a newer or fast-growing account
• Currency conversion on multi-currency volume, which adds a processing leg
• Weekends and bank holidays, which pause the sweep into your account
• Chargeback or refund activity being netted against the day's disbursement

The Funding Gap Is a Cash Flow Problem

Even on the fastest schedule, you deliver the product first and get funded days later. On a slower regional schedule you can be a month of revenue ahead of your own bank balance, while payroll, ad spend, and supplier invoices run on their own calendar. That gap is not a Braintree defect; it is how card settlement works everywhere.

It is also exactly the gap Founderpath closes. Instead of waiting on each disbursement, you can borrow against the revenue your Braintree account already proves you earn, then repay in predictable monthly amounts. The same transaction history that determines your funding timeline is what qualifies you for capital, with no equity given up.

What Happens When You Connect Braintree

1. Create read-only API keys

Braintree connects with API keys rather than a sign-in button. In the Braintree Control Panel, create or choose an API user and generate its keys. Braintree has no single built-in read-only role, so give that user a custom role with view and download permissions only, and access to all of your merchant accounts; Braintree's role permissions reference lists what each permission allows. Founderpath only reads data, and keys from a read-only role make sure nothing can be changed even by mistake.

2. Enter the keys in Founderpath

Open the Braintree integration in your Founderpath account and enter your Merchant ID, Public Key and Private Key. Founderpath checks the keys against your Braintree account before saving them, and tells you if they belong to different accounts. Only production accounts can be connected; sandbox keys are not supported.

3. Founderpath imports two years of history

Founderpath imports the last two years of:

• Transactions, with their status, amount, currency and whether they were recurring
• Customers and subscriptions
• Plans, add-ons and discounts

4. Your revenue metrics are calculated

Revenue is built from settled transactions, so authorizations that never captured do not count. Amounts in other currencies are converted to US dollars, and recurring subscription revenue is separated from one-time payments. From there Founderpath measures your monthly revenue, its growth and how it splits between subscriptions and usage.

5. You get an offer, and the data stays current

Founderpath aims to make a funding offer within 24-48 hours of connecting your data, with full closure within 4 weeks. After the first import, Founderpath syncs your Braintree account about once a day.

What the Braintree connection does not cover

• Disputes and chargebacks are not imported, and neither is payment-method detail, so card and PayPal payments are counted together as revenue without a breakdown.
• Sub-merchant data is not imported. For a marketplace, settled volume is gross merchandise value, not the platform fee you keep, so connect your accounting software too.
• Sandbox accounts cannot be connected.

Braintree Plus Accounting and Bank Data

Braintree shows the revenue your customers pay. Underwriting also looks at whether the business around it is healthy, so connect Braintree alongside:

• Financial statements from QuickBooks or Xero, which also show the revenue a marketplace keeps
• Cash balances and flows from Plaid or another bank connection

If you also process elsewhere, Stripe, PayPal and Shopify can be connected to the same company, so the revenue you process elsewhere is part of the picture.