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Rainforest
What it 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 methods include cards, Apple Pay, PayPal Wallet, Venmo, PayPal Pay Later, ACH, and validated ACH. Platforms can integrate using embeddable components, an API-only approach, or a hybrid setup. Components cover merchant onboarding, payment acceptance, reporting, and chargeback management. Rainforest performs KYC and KYB checks and says it provides an approved, declined, or manual-review response within minutes. Its product page describes one daily deposit for all payment methods, accompanied by an itemized report. Reports can include transaction-level cost detail, profitability reporting, and calculations of platform earnings. Rainforest says it is PCI DSS Level 1 certified and hosts its platform on AWS. It 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 Rainforest approval. Higher-volume card pricing is available by contacting sales; its risk management fee depends on assessed risk.
For and against
For
- Supports cards, wallets, ACH, and validated ACH.
- Offers embedded components, API-only, and hybrid integration.
- Provides itemized daily deposit reporting.
- Offers integration engineers, guides, and sandbox testing.
Against
- Direct API processing of full card or bank numbers requires approval.
- Higher-volume card pricing requires contacting sales.
- Risk management fee depends on assessed risk.
The verdict
Rainforest combines payment acceptance, onboarding, reporting, and chargeback components for software platforms. Consider its approval condition for direct API access and the sales contact requirement for higher-volume card pricing.
Who it suits
Rainforest is aimed at software platforms embedding payments for their merchants, rather than merchants seeking a direct provider relationship. It may suit platforms needing multiple integration approaches and payment methods.
Plans and prices
Card volume tier 15–25m
$15m–$25m monthly card volume · interchange and DFA passed through
Read 15 Oct 2026 · rainforestpay.com
ACH transaction
ACH payments
Read 15 Oct 2026 · rainforestpay.com
Card transaction 150k–250k
150k–250k monthly transactions
Read 15 Oct 2026 · rainforestpay.com
Standard payout
Standard payouts
Read 15 Oct 2026 · rainforestpay.com
Account updater
Updated card
Read 15 Oct 2026 · rainforestpay.com
Card volume tier 5–15m
$5m–$15m monthly card volume · interchange and DFA passed through
Read 15 Oct 2026 · rainforestpay.com
Card transaction 50k–150k
50k–150k monthly transactions
Read 15 Oct 2026 · rainforestpay.com
Card volume tier 0–5m
$0m–$5m monthly card volume · interchange and DFA passed through
Read 15 Oct 2026 · rainforestpay.com
Card transaction 0–50k
0–50k monthly transactions
Read 15 Oct 2026 · rainforestpay.com
On the record
- Android system requirement
- Tap to Pay Android documentation requires Android 11 or newer, NFC and device security on a compatible phone or tablet.docs.rainforestpay.com · read 15 Oct 2026
- API access condition
- Direct API processing of full card and bank account numbers requires Rainforest approval.docs.rainforestpay.com · read 2 Oct 2026
- API authentication
- The API uses bearer credentials with production keys prefixed apikey_ and sandbox keys prefixed sbx_apikey_.docs.rainforestpay.com · read 15 Oct 2026
- API permissions
- API keys support resource and action permissions, permission groups and merchant-specific constraints.docs.rainforestpay.com · read 15 Oct 2026
- API uptime
- The status page reports 99.96% API uptime for August 2026 and 100% for September 2026.status.rainforestpay.com · read 15 Oct 2026
- Audience
- Rainforest says it focuses on helping software platforms make money from payments and does not deal directly with merchants.rainforestpay.com · read 2 Oct 2026
- Company experience
- Rainforest says its leadership team brings more than 20 years of payments and SaaS experience.rainforestpay.com · read 2 Oct 2026
- Company size and headquarters
- LinkedIn lists Rainforest as privately held, headquartered in Atlanta, Georgia, with 51–200 employees.linkedin.com · read 15 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 · read 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.rainforestpay.com · read 15 Oct 2026
- Direct card API limit
- Processing raw card or bank data through the API requires Rainforest approval and platform PCI validation.docs.rainforestpay.com · read 15 Oct 2026
- Earlier funding
- TechCrunch reported Rainforest's $20 million Series A in June 2024, bringing cumulative funding then to $31.75 million.techcrunch.com · read 15 Oct 2026
- Embedded components
- Prebuilt embeddable components support merchant onboarding, payment acceptance, reporting, and chargeback management.rainforestpay.com · read 2 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.news.crunchbase.com · read 15 Oct 2026
- Funding
- Rainforest advertises next-day funding, while documentation describes daily net or monthly gross deposit options.rainforestpay.com · read 15 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 · read 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.docs.rainforestpay.com · read 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.play.google.com · read 15 Oct 2026
