Rainforest vs TabaPay Platform
Rainforest
rainforestpay.comTabaPay Platform
tabapay.comSide by side
| Figure | Rainforest | TabaPay Platform |
|---|---|---|
| Price from | $0.20/mo | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 16 | 1 |
| Spec score · Embedded Payments Platforms | 8.3 (#5) | 7.5 (#17) |
| Payment methods | The platform supports cards, PayPal, Venmo, PayPal Pay Later, ACH, Apple Pay and terminals. | It supports accepting and paying out through cards and bank accounts. |
| What it does | Rainforest provides payfac-as-a-service embedded payment processing for vertical SaaS platforms. | TabaPay provides a unified money movement platform to accept payments, send payouts, and monitor transactions. |
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.
TabaPay Platform
TabaPay Platform provides instant money movement for regulated businesses through one API for accepting payments, sending payouts, and monitoring transactions. Card and bank-account flows can use Visa, Mastercard, Discover, RTP, FedNow, and ACH rails. Fraud capabilities include user verification, detection, monitoring, and prevention using data from over 100 million cards, with KYC/KYB and AVS, ANI, and 3DS authentication tools. The TabaPay Portal lets clients view transactions, reports, and invoices, manage users, and download reports. TabaPay lists 20+ bank partners, PCI Level 1, SOC 1 Type II, SOC 2 Type II, and money transmitter licenses. The service names lending, gaming, payroll, digital banking, healthcare, insurance, remittance, platforms, and recurring billing as use cases. The API is not public: integrators must contact TabaPay, complete authentication and IP whitelisting, and obtain Sandbox access. REST, HTTPS, API-key authentication, and JSON are used. Pricing is on request.