RainforestB71

Payment Processor · Vertical SaaS platforms that want to monetise payments without registering as a payment facilitator, and th…

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Overview

$44

Best for: Vertical SaaS platforms that want to monetise payments without registering as a payment facilitator, and that would rather pay a published buy rate and set their own merchant pricing than split revenue with a processor.

Strengths

  • + The entire buy rate is published — bps, per-item, ACH, disputes, account updater, 3DS, terminals — which almost nobody else in payfac-as-a-service does
  • + No revenue share: the platform sets merchant pricing and keeps the full benefit of any pricing or interchange optimisation
  • + No PCI DSS programme or non-compliance fees, a line item that quietly costs merchants elsewhere
  • + Onboarding, underwriting, risk and compliance sit with Rainforest, so a platform gets payfac economics without payfac registration
  • + Well funded for its stage — a $29m Series B in September 2025 on top of a $20m Series A in 2024, from Matrix Partners, Infinity Ventures, Accel and Tech Square Ventures

Trade-offs

  • – Founded in 2022, with very little public merchant or platform review record to check before you commit
  • – The risk management fee is listed only as "risk dependent" and is set during onboarding, so the published card is not the whole cost
  • – Pick-a-tier pricing means all volume bills at the tier you reach that month — a seasonal platform's effective rate moves month to month
  • – It sells to software platforms only; an ordinary merchant cannot buy a merchant account here
  • – Growth figures — 10x revenue, billions in processing volume — come from the company's own funding announcements and are not independently audited

Fees in detail

  • Online rate: Interchange and dues at passthrough, plus 0.30% and $0.30 per transaction at the entry tier; 0.25% and $0.25 above $5m monthly volume or 50,
  • Disputes: $$15 per dispute or return
  • Contract: 10

Standard published rate for a domestic online card payment. Confirm current pricing on Rainforest's pricing page.

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