I am currently building a marketplace similar to airbnb/uber for the payment, where sellers would receive payment from buyers once the "service" is completed.
The payment solutions I am considering are Stripe and Braintree. Braintree offers Escrow while Stripe doesn't.
To make the transfer there are thus 2 solutions:
with Stripe : create an invoice object with the future date the service will happen/complete and run background jobs checking for that given date that will make the payment once it's happened.
with Braintree : use the Escrow functionality.
Is there a better solution in terms of security/scalability? Scheduling the payment date is quite easy but since escrow is supposed to be the marketplace-way, is there really an advantage of using escrow?
I work at Braintree. If you have more questions about escrow or your Braintree integration, you can always get in touch with our support team.
The advantages of escrow don't have to do with technical security or scalability, though they make make your business less susceptible to chargebacks and other customer complaints, so they make make your business more secure and scalable.
With escrow, the money has already been charged ahead of time, so you don't have to worry about the charge being declined after the service has already been provided. You also don't have to worry about the person receiving the money taking it and failing to provide the service, since they only received the money once it's been completed. Together, these align incentives between the buyer and seller, making fraud much less likely.