I like Braintree&#x27;s model a bit more, the provide the API consumer with the raw AVS and decline codes from the card processor (while Stripe just says &quot;card_declined&quot;). Braintree also allows you to do finer grain controls such as &quot;Decline charges that fail a zip code check for charges over $500&quot; or &quot;Decline if the bank doesn&#x27;t support zip code checks.&quot;<p>And with about 2 lines of code you can add more advanced things like device fingerprinting and geolocation through Kount.<p>*Disclaimer: while I don&#x27;t work for Braintree yet, I start there in June (though my experience with Stripe is very strong).