I think the answer is embedded in your question - Braintree is a full-stack payments provider, so you don't have to go to three different vendors to get everything you need.

In fact this is one of keys to how we provide great service to our clients. We are a single source for any payments help you need, from signup to integration to processing. If you ever have an issue, our team will navigate the byzantine banking system so you don't have to.

BTW - check out my response about pricing in the thread above (tl;dr we're adding pricing to our Australian website)