Adyen vs Rainforest
Adyen
adyen.comRainforest
rainforestpay.comSide by side
| Figure | Adyen | Rainforest |
|---|---|---|
| Price from | — | $0.20/mo |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 2 | 16 |
| Spec score · Embedded Payments Platforms | 9.0 (#1) | 8.3 (#5) |
| Spec score · Payment Facilitation Platforms | 9.0 (#1) | 8.3 (#6) |
| Legal name | Crunchbase identifies the legal name as Adyen N.V. and lists Amsterdam, Netherlands as headquarters. | Rainforest's terms identify the contracting entity as Rainforest Pay, Inc., a Delaware corporation. |
| OpenAPI | Adyen publishes OpenAPI specification files in its GitHub organization. | Rainforest publishes an OpenAPI Specification version 3.1.0 for its API. |
| Payment methods | The online-payments product supports more than 200 payment methods through one integration. | The platform supports cards, PayPal, Venmo, PayPal Pay Later, ACH, Apple Pay and terminals. |
| Pricing model | Adyen charges a fixed processing fee plus a payment-method fee per transaction, with no setup or monthly fees. | Rainforest publishes buy-rate interchange-plus pricing with no revenue share and lets platforms set merchant prices. |
| Rating on G2 | 4.0 out of 5 from 44 reviews | 4.3 out of 5 from 168 reviews; the G2 profile is for Rainforest QA testing software, not Rainforest Pay. |
| Security | Adyen’s help page states that it is PCI DSS v4.0 Level 1 compliant and undergoes an annual external audit by a Qualified Security Assessor. | Rainforest says it is PCI DSS Level 1 certified and hosts its platform on AWS. |
| What it does | Adyen provides one payment platform for accepting, optimizing and settling online payments through a single integration. | Rainforest provides payfac-as-a-service embedded payment processing for vertical SaaS platforms. |
Plans
Rainforest
- ACH transaction$0.20, paid once
- ACH transaction$0.20 a month
- Card transaction 150k–250k$0.20 a month
- Card transaction fees$0.20 a month
- Card transaction fees$0.20, paid once
- Card volume tier 15–25m$0.20 a month
- Standard payout$0.20, paid once
- Standard payout$0.20 a month
- Account updater$0.23 a month
- Account updater$0.23, paid once
In their own words
Adyen
Adyen is an online payments platform for businesses that accept, optimize, and settle payments through one integration. It offers access to more than 200 payment methods and supports 136 currencies. Businesses can use ready-made Drop-in checkout components or create a custom flow with the API. Adyen describes AI tools for checkout personalization, authentication, fraud protection, tokenization, and payment cost optimization. Local acquiring through local licenses is presented as a way to improve authorization rates and lower costs. The platform supports recurring and marketplace payments, with payouts in 36 countries. Listed integrations include Adobe Commerce, Salesforce Commerce Cloud, NetSuite, Shopify, and Microsoft Dynamics 365. It is available through web, Android, iOS, and API. Pricing is transaction-based, with no setup or monthly fees and a fixed processing fee plus a payment-method fee for each transaction. The stated starting price is $0.13. Adyen describes its platform as built for global businesses and enterprise payment volume.
Rainforest
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.