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If any of the "Braintreeps" are here, could you comment in more detail on the Blockbuster -> Netflix'esque transformations in the payments industry?

Other than Square and possibly a mobile phone wallet I can't think of many major sea changes that are underway right now.

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We'd love to go into more detail on our thoughts about the future of payments, but we'd like to take adequate time to articulate them well. Maybe we'll do a blog post about this soon.

One of the big recent changes I'm aware of is that users can now host their own page and merely post to a payment service, without being PCI compliant. Before the payment service had to host the page, which meant an iframe or a PayPal style redirect.

That's a technique that Braintree has popularized if not pioneered, but it's a neat trick that most people agree is PCI compliant (I also hope and believe this), not a change in the security standards.

Among others, USAePay has also made this possible for some years (not as well as braintree does), and the payment startup stripe http://stripe.com/ achieves the same result in a more JavaScript-y way.

It is getting more popular, though, I suppose.

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