Rainforest
Rainforest is a payments-as-a-service solution for software platforms that want to embed payment acceptance for their merchants.
What Rainforest is
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.
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.
Watch out
- No free plan is listed.
- Higher-volume card pricing requires contacting sales.
- Full card and bank account API processing needs approval.
Who it suits
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.
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.
Plans and prices
From Rainforest's own pricing page, checked 15 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Standard payout | $0.20 a month | Standard payouts · per item |
| ACH transaction | $0.20 a month | ACH payments · per item |
| Card transaction 150k–250k | $0.20 a month | 150k–250k monthly transactions · per item |
| Card transaction fees | $0.20 a month | 0.20% · $15m–$25m monthly volume · Monthly dollar volume $15m–$25m; + interchange & DFA at passthrough |
| Card transaction fees | $0.20, paid once | $0.20/item · 150k–250k monthly transactions · Per item for monthly transaction volume 150k–250k |
| Card volume tier 15–25m | $0.20 a month | $15m–$25m monthly card volume · interchange and DFA passed through · monthly |
| Account updater | $0.23 a month | Updated card · per item |
| Card volume tier 5–15m | $0.25 a month | $5m–$15m monthly card volume · interchange and DFA passed through · monthly |
| Card transaction 50k–150k | $0.25 a month | 50k–150k monthly transactions · per item |
| Card transaction 0–50k | $0.30 a month | 0–50k monthly transactions · per item |
| Card volume tier 0–5m | $0.30 a month | $0m–$5m monthly card volume · interchange and DFA passed through · monthly |
| 3DS | $0.31 a month | 3DS attempts · per attempt |
The facts
Each one read from Rainforest's own pages, with the date it was checked.
Where it runs
- Android system requirement
- Tap to Pay Android documentation requires Android 11 or newer, NFC and device security on a compatible phone or tablet.checked 15 Oct 2026
What it does
- API access condition
- Direct API processing of full card and bank account numbers requires Rainforest approval.checked 2 Oct 2026
- API authentication
- The API uses bearer credentials with production keys prefixed apikey_ and sandbox keys prefixed sbx_apikey_.checked 15 Oct 2026
- API permissions
- API keys support resource and action permissions, permission groups and merchant-specific constraints.checked 15 Oct 2026
- API uptime
- The status page reports 99.96% API uptime for August 2026 and 100% for September 2026.checked 15 Oct 2026
- Audience
- Rainforest says it focuses on helping software platforms make money from payments and does not deal directly with merchants.checked 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.checked 2 Oct 2026
- Developer tooling
- Developer materials include interactive guides, integration libraries, sandbox testing, real-time API logs and Slack access to senior integration engineers.checked 15 Oct 2026
- Direct card API limit
- Processing raw card or bank data through the API requires Rainforest approval and platform PCI validation.checked 15 Oct 2026
- Earlier funding
- TechCrunch reported Rainforest's $20 million Series A in June 2024, bringing cumulative funding then to $31.75 million.checked 15 Oct 2026
- Embedded components
- Prebuilt embeddable components support merchant onboarding, payment acceptance, reporting, and chargeback management.checked 2 Oct 2026
- Funding
- Rainforest advertises next-day funding, while documentation describes daily net or monthly gross deposit options.checked 15 Oct 2026
- Funding and reconciliation
- The product page says merchants receive one daily deposit for all payment methods with an itemized deposit report.checked 2 Oct 2026
- Google Pay requirements
- Google Pay requires a supported secure-element device and browser, a top-level payment component and compliance with Google Pay terms.checked 15 Oct 2026
- 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.checked 15 Oct 2026
- Integration options
- Platforms can integrate through embeddable components, an API-only approach or a hybrid implementation.checked 15 Oct 2026
- iPhone system requirement
- Tap to Pay on iPhone requires a supported iPhone and the latest iOS version.checked 15 Oct 2026
- Legal name
- Rainforest's terms identify the contracting entity as Rainforest Pay, Inc., a Delaware corporation.checked 15 Oct 2026
- Limit: contract notices
- PaymentPop reports that covered contract errors or breaches require written notice within 30 days.checked 15 Oct 2026
- Limit: pricing transparency
- PaymentPop says published buy rates cover platform charges only; interchange, network costs and platform markup affect the final business price.checked 15 Oct 2026
- Limit: risk controls
- PaymentPop says Rainforest terms allow reserves, withholding or suspension that can delay payouts.checked 15 Oct 2026
The company
- Company experience
- Rainforest says its leadership team brings more than 20 years of payments and SaaS experience.checked 2 Oct 2026
- Company size and headquarters
- LinkedIn lists Rainforest as privately held, headquartered in Atlanta, Georgia, with 51–200 employees.checked 15 Oct 2026
- 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.checked 15 Oct 2026
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