Rainforest vs Rapyd
Rainforest
rainforestpay.com
Rapyd
rapyd.netSide by side
| Figure | Rainforest | Rapyd |
|---|---|---|
| Price from | $0.20/mo | $99/mo |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 16 | 2 |
| Spec score · Embedded Payments Platforms | 8.3 (#5) | 7.6 (#13) |
| Spec score · Payment Facilitation Platforms | 8.3 (#6) | 7.6 (#11) |
| Payment methods | The platform supports cards, PayPal, Venmo, PayPal Pay Later, ACH, Apple Pay and terminals. | Rapyd says its network connects local payment and payout methods across 182 markets. |
| Security | Rainforest says it is PCI DSS Level 1 certified and hosts its platform on AWS. | Rapyd says it has PCI-DSS Level 1 certification and a SOC 2 Type II report. |
| What it does | Rainforest provides payfac-as-a-service embedded payment processing for vertical SaaS platforms. | Rapyd describes itself as a fintech platform for accepting global payments, sending payouts and embedding financial services. |
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
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.