What is Rainforest?

Rainforest is a payments-as-a-service solution that lets you embed payments into your software, allowing your merchants to accept payments from users.

What can you do with Rainforest?

Onboard and manage merchants

Utilizing our embedded component or API, submit for real-time onboarding processing payments in minutes. Rainforest performs the Know Your Customer (KYC) and Know Your Business (KYB) verifications requirement by the card brands and provides you with an approved, declined, or manual review response within minutes. Updating merchants can be handled via component or API.

Accept payments

Accept payments from users on behalf of merchants via a configurable embedded component. Utilize the same component for card and ACH payments. All successful payments return a stored payment method that can be utilized for future payments.

Deposits to merchants

Rainforest calculates the funds due to each merchant and automatically sends the deposits based on the merchant's configuration on either a daily net or monthly gross basis.

Embed reports

Embed standard payment and deposit reports into your software, that look and feel like you. Configure the reports for your unique use case utilizing our Component Studio. Payment reports include embedded void/refund functionality to simplify your integration.

How can you integrate?

Rainforest offers two integration options: easily embeddable components, or a behind-the-curtain API-only integration.

Embeddable components

Embed our components in your UI. You control the look and feel. Check out our working with components guide and our components studio to customize your components.

API-Only

You completely control the UI and integrate via our API .

Hybrid

Use some components and integrate with the API where you need enhanced customizability.

Terms to know

We'll be using a bunch of terms in our documentation, and while you can see a full list in our Glossary, here are some important ones.

The main players in Rainforest payment processing:


Platform	This is you, the software embedding Rainforest.
Merchants	Your customers, the business or individuals that use your platform.
Users	Your merchants' customers, the people or businesses paying the merchant through your platform.

Money movements:


Payments	These are funds transferred between a User and a Merchant.
Payins	Payins are funds transferred from a User to a Merchant.
Payouts	Payouts are funds transferred from a Merchant to a User.
Deposits	Deposits are the batched payins netted fees, chargebacks, returns, and adjustments that are sent to the merchant for previous days activity.