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In our case Paymill approval process was indeed long (2 months?), but the ID verification part was quick and painless. They did require the originals via mail, but it's really not a big deal. The hold-up was with the bank and Paymill fell short in giving any idea of the ETA. They replied quickly, but didn't say anything at all. In fact, 4 or 5 weeks into the approval process, it all looked so bleak that we gave up on Paymill and applied to Braintree. These guys were far more responsive and approved us in a matter of days, but then they also took several weeks to "finalize the setup", so in the end it was a wash between them.

That said, between Braintree and Paymill, BT is certainly playing a catch-up. For one, they just recently dropped minimum monthly fee and switched to simple per-transaction fee structure. Also, their integration requires more work on the backend and overall feels less transparent and "heavier" that Paymill's.

In retrospect, Paymill is not bad at all, but it is not dramatically better than others either. They are all about the same.



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