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Rainforest

rainforestpay.com

From $0.20/mo WebiOSAndroidAPI
Visit rainforestpay.com
Spec score 8.3 #5 of 28 in Embedded Payments Platforms

What it is

Rainforest is a payments-as-a-service solution for software platforms that want to embed payment acceptance for their merchants. It focuses on platform relationships rather than working directly with merchants. Supported payment methods include cards, Apple Pay, PayPal Wallet, Venmo, PayPal Pay Later, ACH, and validated ACH. Platforms can integrate using embedded components, an API-only setup, or a hybrid approach. Components cover merchant onboarding, payment acceptance, reporting, and chargeback management. Rainforest performs KYC and KYB checks and says its documentation returns an approved, declined, or manual-review response within minutes. Its product page describes one daily deposit covering all payment methods, accompanied by an itemized report. Reports can show transaction-level costs, profitability, and calculations of platform earnings. Rainforest says it is PCI DSS Level 1 certified and hosts its platform on AWS; it also describes encryption in transit and at-rest protection for card information. Integration support includes senior engineers, guides, and sandbox testing. Direct API processing of full card and bank account numbers requires approval. The pricing page says higher-volume card pricing is available through sales, and the risk management fee depends on assessed risk.

Spec sheet

What it does
Rainforest provides payfac-as-a-service embedded payment processing for vertical SaaS platforms.Read 15 Oct 2026 · rainforestpay.com
Product
Rainforest is a payments-as-a-service solution that lets software platforms embed payments so their merchants can accept payments from users.Read 2 Oct 2026 · docs.rainforestpay.com
Audience
Rainforest says it focuses on helping software platforms make money from payments and does not deal directly with merchants.Read 2 Oct 2026 · rainforestpay.com
Security
Rainforest says it is PCI DSS Level 1 certified and hosts its platform on AWS.Read 2 Oct 2026 · rainforestpay.com
Android system requirement
Tap to Pay Android documentation requires Android 11 or newer, NFC and device security on a compatible phone or tablet.Read 15 Oct 2026 · docs.rainforestpay.com
API access condition
Direct API processing of full card and bank account numbers requires Rainforest approval.Read 2 Oct 2026 · docs.rainforestpay.com
API authentication
The API uses bearer credentials with production keys prefixed apikey_ and sandbox keys prefixed sbx_apikey_.Read 15 Oct 2026 · docs.rainforestpay.com
API permissions
API keys support resource and action permissions, permission groups and merchant-specific constraints.Read 15 Oct 2026 · docs.rainforestpay.com
API uptime
The status page reports 99.96% API uptime for August 2026 and 100% for September 2026.Read 15 Oct 2026 · status.rainforestpay.com
Company experience
Rainforest says its leadership team brings more than 20 years of payments and SaaS experience.Read 2 Oct 2026 · rainforestpay.com
Company size and headquarters
LinkedIn lists Rainforest as privately held, headquartered in Atlanta, Georgia, with 51–200 employees.Read 15 Oct 2026 · linkedin.com
Developer support
Rainforest offers senior integration engineers via Slack and regular working sessions, as well as detailed guides and end-to-end sandbox testing.Read 2 Oct 2026 · rainforestpay.com
Developer tooling
Developer materials include interactive guides, integration libraries, sandbox testing, real-time API logs and Slack access to senior integration engineers.Read 15 Oct 2026 · rainforestpay.com
Direct card API limit
Processing raw card or bank data through the API requires Rainforest approval and platform PCI validation.Read 15 Oct 2026 · docs.rainforestpay.com
Earlier funding
TechCrunch reported Rainforest's $20 million Series A in June 2024, bringing cumulative funding then to $31.75 million.Read 15 Oct 2026 · techcrunch.com
Embedded components
Prebuilt embeddable components support merchant onboarding, payment acceptance, reporting, and chargeback management.Read 2 Oct 2026 · rainforestpay.com
Founded and funding
Crunchbase News reported a $29 million Series B in September 2025 and total funding of $57.5 million since the company's 2022 inception.Read 15 Oct 2026 · news.crunchbase.com
Funding
Rainforest advertises next-day funding, while documentation describes daily net or monthly gross deposit options.Read 15 Oct 2026 · rainforestpay.com
Funding and reconciliation
The product page says merchants receive one daily deposit for all payment methods with an itemized deposit report.Read 2 Oct 2026 · rainforestpay.com
Google Pay requirements
Google Pay requires a supported secure-element device and browser, a top-level payment component and compliance with Google Pay terms.Read 15 Oct 2026 · docs.rainforestpay.com
Google Play listing
Rainforest Pay, Inc.'s Mobile Pay app supports Tap to Phone, was updated September 1, 2026, shows 10+ downloads and displays no star rating or review count.Read 15 Oct 2026 · play.google.com
Integration options
Platforms can integrate through embeddable components, an API-only approach or a hybrid implementation.Read 15 Oct 2026 · docs.rainforestpay.com
iPhone system requirement
Tap to Pay on iPhone requires a supported iPhone and the latest iOS version.Read 15 Oct 2026 · rainforestpay.com
Legal name
Rainforest's terms identify the contracting entity as Rainforest Pay, Inc., a Delaware corporation.Read 15 Oct 2026 · rainforestpay.com
Limit: contract notices
PaymentPop reports that covered contract errors or breaches require written notice within 30 days.Read 15 Oct 2026 · paymentpop.com
Limit: pricing transparency
PaymentPop says published buy rates cover platform charges only; interchange, network costs and platform markup affect the final business price.Read 15 Oct 2026 · paymentpop.com
Limit: risk controls
PaymentPop says Rainforest terms allow reserves, withholding or suspension that can delay payouts.Read 15 Oct 2026 · paymentpop.com
Merchant onboarding
Real-time merchant onboarding includes KYC and KYB decisions that documentation says can arrive within minutes.Read 15 Oct 2026 · docs.rainforestpay.com
OpenAPI
Rainforest publishes an OpenAPI Specification version 3.1.0 for its API.Read 15 Oct 2026 · docs.rainforestpay.com
Outages
Incident history lists an API outage on August 3, 2026, elevated 3DS errors on September 15, and intermittent API read errors on September 30.Read 15 Oct 2026 · status.rainforestpay.com
Payment methods
The platform supports cards, PayPal, Venmo, PayPal Pay Later, ACH, Apple Pay and terminals.Read 15 Oct 2026 · rainforestpay.com
Payment reporting
Payment reports can show transaction-level cost detail, profitability reporting, and transparent calculations of platform earnings.Read 2 Oct 2026 · rainforestpay.com
PCI certification
Rainforest says it is PCI DSS Level 1 service-provider certified and that hosted components keep card data out of the platform.Read 15 Oct 2026 · docs.rainforestpay.com
Platform portal
Separate sandbox and production portals provide payment, deposit and merchant management, API request logs, key creation and webhook configuration.Read 15 Oct 2026 · docs.rainforestpay.com
Praise: reliability
The sole PaymentPop reviewer said Rainforest Pay runs smoothly.Read 15 Oct 2026 · paymentpop.com
Pricing caveat
The pricing calculator warns that risk-management fees and some fee types are excluded and that its output is only an estimate.Read 15 Oct 2026 · rainforestpay.com
Pricing limitation
The pricing page says higher-volume card pricing is available by contacting sales, and notes that its risk management fee depends on assessed risk.Read 2 Oct 2026 · rainforestpay.com
Pricing model
Rainforest publishes buy-rate interchange-plus pricing with no revenue share and lets platforms set merchant prices.Read 15 Oct 2026 · rainforestpay.com
Public SDK repositories
Rainforest's GitHub organization lists public applepay and rainforest-ios-sdk repositories, including a Swift Package Manager Tap to Phone SDK.Read 15 Oct 2026 · github.com
Rating on G2
4.3 out of 5 from 168 reviews; the G2 profile is for Rainforest QA testing software, not Rainforest Pay.Read 15 Oct 2026 · g2.com
Rating on PaymentPop
5.0 out of 5 from 1 customer reviewRead 15 Oct 2026 · paymentpop.com
Recent product news
Rainforest announced Google Pay support for both device and online payments on September 29, 2026.Read 15 Oct 2026 · rainforestpay.com
Reporting and chargebacks
Embeddable reporting covers payments and deposits, with void, refund and chargeback workflows.Read 15 Oct 2026 · docs.rainforestpay.com
Risk and compliance
Rainforest says it handles fraud monitoring, PCI compliance, required reporting and merchant underwriting.Read 15 Oct 2026 · rainforestpay.com
Security controls
Rainforest says it enforces two-factor authentication for users accessing its business systems and encrypts data in transit and payment card information at rest.Read 2 Oct 2026 · rainforestpay.com

Plans and prices

ACH transaction $0.20, paid once Per item $0.20/item Read 2 Oct 2026 · rainforestpay.com
ACH transaction $0.20 a month per item ACH payments Read 15 Oct 2026 · rainforestpay.com
Card transaction 150k–250k $0.20 a month per item 150k–250k monthly transactions Read 15 Oct 2026 · rainforestpay.com
Card transaction fees $0.20 a month Monthly dollar volume $15m–$25m; + interchange & DFA at passthrough 0.20% · $15m–$25m monthly volume Read 2 Oct 2026 · rainforestpay.com
Card transaction fees $0.20, paid once Per item for monthly transaction volume 150k–250k $0.20/item · 150k–250k monthly transactions Read 2 Oct 2026 · rainforestpay.com
Card volume tier 15–25m $0.20 a month monthly $15m–$25m monthly card volume · interchange and DFA passed through Read 15 Oct 2026 · rainforestpay.com
Standard payout $0.20, paid once Per item $0.20/item Read 2 Oct 2026 · rainforestpay.com
Standard payout $0.20 a month per item Standard payouts Read 15 Oct 2026 · rainforestpay.com
Account updater $0.23 a month per item Updated card Read 15 Oct 2026 · rainforestpay.com
Account updater $0.23, paid once Per item $0.23/item Read 2 Oct 2026 · rainforestpay.com
Card transaction 50k–150k $0.25 a month per item 50k–150k monthly transactions Read 15 Oct 2026 · rainforestpay.com
Card volume tier 5–15m $0.25 a month monthly $5m–$15m monthly card volume · interchange and DFA passed through Read 15 Oct 2026 · rainforestpay.com

Every Rainforest plan and price →

Strong points and limits

Strong points

  • Supports cards, wallets, ACH, and validated ACH
  • Embedded components cover onboarding and chargebacks
  • Itemized daily deposit reporting
  • PCI DSS Level 1 certified
  • Integration engineers and sandbox testing offered

Limits

  • No free plan
  • Full-number API processing requires approval
  • Higher-volume card pricing requires contacting sales
  • Risk management fee depends on assessed risk

Who it suits

Rainforest is aimed at software platforms embedding payments for their merchants, not merchants seeking a direct provider relationship. It may suit platforms needing multiple integration paths and payment methods.

Verdict

Rainforest offers embedded payment acceptance and platform-focused reporting across multiple integration approaches. Platforms should review sales-dependent pricing and the approval condition for direct processing of full account numbers.

Where Specifiction places it

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