Rainforest
Summary
Rainforest is a payments-as-a-service solution for software platforms that want to embed payment acceptance for their merchants. Its stated focus is platforms rather than direct merchant relationships. Supported payment methods include cards, Apple Pay, PayPal Wallet, Venmo, PayPal Pay Later, ACH and validated ACH. Integration options include embeddable components, API-only integration and 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 a daily deposit combining payment methods, with an itemized report. Reports can include transaction-level cost details, 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 payment card information. Integration engineers, guides and sandbox testing are offered; direct API processing of full card and bank account numbers requires approval. Higher-volume card pricing requires contacting sales, and the risk management fee varies with assessed risk.
Who it is for
Rainforest is aimed at software platforms embedding payments for their merchants, rather than merchants seeking a direct provider. It may suit platforms choosing between component-based, API-only or hybrid integrations.
What is good
- Supports cards, digital wallets, ACH and validated ACH.
- Offers embeddable components, API-only and hybrid integration.
- Provides merchant KYC and KYB checks.
- Offers integration engineers and sandbox testing.
What to know first
- No free plan is listed.
- Higher-volume card pricing requires contacting sales.
- Full card and bank account API processing needs approval.
Verdict
Rainforest offers payment acceptance and related onboarding and reporting for software platforms. Review its pricing conditions and API approval requirement if those affect your integration plans.
Rainforest plans and pricing
All plansCompared on embedded payments platforms
- Free plan
- Norainforestpay.com
- KYC/AML tools
- advancedrainforestpay.com
- Payment acceptance
- multi_methodrainforestpay.com
- Payout capabilities
- flexiblerainforestpay.com
- API and SDK coverage
- broadrainforestpay.com
- Split payments
- Yesrainforestpay.com
- Account management
- managedrainforestpay.com
Facts
- Product
- Rainforest is a payments-as-a-service solution that lets software platforms embed payments so their merchants can accept payments from users.docs.rainforestpay.com · 2 Oct 2026
- Audience
- Rainforest says it focuses on helping software platforms make money from payments and does not deal directly with merchants.rainforestpay.com · 2 Oct 2026
- Payment methods
- Supported methods include card, Apple Pay, PayPal Wallet, Venmo, PayPal Pay Later, ACH, and validated ACH.docs.rainforestpay.com · 2 Oct 2026
- Embedded components
- Prebuilt embeddable components support merchant onboarding, payment acceptance, reporting, and chargeback management.rainforestpay.com · 2 Oct 2026
- Integration options
- Rainforest documents embeddable components, API-only, and hybrid integration approaches.docs.rainforestpay.com · 2 Oct 2026
- Merchant onboarding
- Rainforest performs KYC and KYB checks and provides an approved, declined, or manual review response within minutes, according to its documentation.docs.rainforestpay.com · 2 Oct 2026
- Funding and reconciliation
- The product page says merchants receive one daily deposit for all payment methods with an itemized deposit report.rainforestpay.com · 2 Oct 2026
- Payment reporting
- Payment reports can show transaction-level cost detail, profitability reporting, and transparent calculations of platform earnings.rainforestpay.com · 2 Oct 2026
- Pricing model
- Rainforest describes its pricing as buy-rate, interchange-plus with no revenue split, and says platforms control what they charge merchants.rainforestpay.com · 2 Oct 2026
- 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.rainforestpay.com · 2 Oct 2026
- Security
- Rainforest says it is PCI DSS Level 1 certified and hosts its platform on AWS.rainforestpay.com · 2 Oct 2026
- 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.rainforestpay.com · 2 Oct 2026
- Developer support
- Rainforest offers senior integration engineers via Slack and regular working sessions, as well as detailed guides and end-to-end sandbox testing.rainforestpay.com · 2 Oct 2026
- API access condition
- Direct API processing of full card and bank account numbers requires Rainforest approval.docs.rainforestpay.com · 2 Oct 2026
- Company experience
- Rainforest says its leadership team brings more than 20 years of payments and SaaS experience.rainforestpay.com · 2 Oct 2026
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Sources
- docs.rainforestpay.com/docs/overview· checked 2 Oct 2026
- rainforestpay.com/our-expertise· checked 2 Oct 2026
- docs.rainforestpay.com/docs/understanding-payment-methods· checked 2 Oct 2026
- rainforestpay.com/product· checked 2 Oct 2026
- rainforestpay.com/pricing· checked 2 Oct 2026
- rainforestpay.com/data-security-compliance· checked 2 Oct 2026
- rainforestpay.com/developers· checked 2 Oct 2026
- docs.rainforestpay.com/docs/process-payins-via-api· checked 2 Oct 2026